{"id":111986,"date":"2023-04-17T04:44:26","date_gmt":"2023-04-17T08:44:26","guid":{"rendered":"https:\/\/www.sitata.com\/?page_id=111986"},"modified":"2023-05-23T19:36:05","modified_gmt":"2023-05-23T23:36:05","slug":"expatriate-or-ex-pat-health-insurance","status":"publish","type":"page","link":"https:\/\/www.sitata.com\/fi\/expatriate-or-ex-pat-health-insurance\/","title":{"rendered":"Sairausvakuutus ulkomaille muuttaneille tai ekspatriaateille"},"content":{"rendered":"[et_pb_section fb_built=\"1\u2033 _builder_version=\"4.20.2\u2033 _module_preset=\"default\" use_background_color_gradient=\"on\" background_color_gradient_stops=\"#26343e 56%|#ffffff 100%\" background_image=\"https:\/\/www.sitata.com\/wp-content\/uploads\/2023\/03\/charlotte-noelle-98WPMlTl5xo-unsplash.jpg\" background_blend=\"screen\" min_height=\"400px\" da_disable_devices=\"off|off|off\" saved_tabs=\"all\" global_colors_info=\"{}\" da_is_popup=\"off\" da_exit_intent=\"off\" da_has_close=\"on\" da_alt_close=\"off\" da_dark_close=\"off\" da_not_modal=\"on\" da_is_singular=\"off\" da_with_loader=\"off\" da_has_shadow=\"on\"][et_pb_row _builder_version=\"4.20.2\u2033 _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_column type=\"4_4\u2033 _builder_version=\"4.20.2\u2033 _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_text _builder_version=\"4.20.2\u2033 _module_preset=\"default\" header_font=\"|700|||||||\" header_text_color=\"#FFFFFF\" header_font_size=\"2rem\" background_color=\"rgba(38,52,62,0.5)\" custom_margin=\"0px|0px|0px|0px|0px|0px|false|false\" custom_padding=\"20px|20px|0px|20px|20px|false|false\" global_colors_info=\"{}\"]

SITATA VAKUUTUSAKATEMIA<\/h1>[\/et_pb_text][et_pb_text _builder_version=\"4.20.2\u2033 _module_preset=\"default\" header_font=\"|700|||||||\" header_text_color=\"#FFFFFFFF\" header_font_size=\"3rem\" header_line_height=\"1.2em\" background_color=\"rgba(38,52,62,0.5)\" custom_margin=\"0px|0px|0px|0px|0px|0px|false|false\" custom_padding=\"10px|20px|20px|20px|20px|20px|false|false\" header_text_shadow_style=\"preset2\u2033 global_colors_info=\"{}\"]

EXPATRIATE <\/span>MATKAVAKUUTUS<\/h1>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\"1\u2033 _builder_version=\"4.20.2\u2033 _module_preset=\"default\" da_disable_devices=\"off|off|off\" global_colors_info=\"{}\" da_is_popup=\"off\" da_exit_intent=\"off\" da_has_close=\"on\" da_alt_close=\"off\" da_dark_close=\"off\" da_not_modal=\"on\" da_is_singular=\"off\" da_with_loader=\"off\" da_has_shadow=\"on\"][et_pb_row _builder_version=\"4.20.2\u2033 _module_preset=\"default\" column_structure=\"2_5,3_5\u2033][et_pb_column _builder_version=\"4.20.2\u2033 _module_preset=\"default\" type=\"2_5\u2033][et_pb_image src=\"https:\/\/storage.googleapis.com\/sitata-wp\/2023\/05\/expat.png\" _builder_version=\"4.20.2\u2033 _module_preset=\"default\" title_text=\"expat\" hover_enabled=\"0\u2033 sticky_enabled=\"0\u2033][\/et_pb_image][\/et_pb_column][et_pb_column _builder_version=\"4.20.2\u2033 _module_preset=\"default\" type=\"3_5\u2033][et_pb_text _builder_version=\"4.20.2\u2033 _module_preset=\"66e09942-4c7f-4e61-88bf-f4afb1ad30e4\u2033 text_font=\"|300|||||||\" header_font=\"|300|||||||\" hover_enabled=\"0\u2033 global_colors_info=\"{}\" sticky_enabled=\"0\u2033]

Ulkomailla asuminen voi olla antoisa kokemus, mutta siin\u00e4 on my\u00f6s haittapuolensa. Yksi n\u00e4ist\u00e4 haasteista on varmistaa, ett\u00e4 sinulla on riitt\u00e4v\u00e4 sairausvakuutus ennakoimattomia l\u00e4\u00e4ketieteellisi\u00e4 h\u00e4t\u00e4tilanteita varten. T\u00e4ss\u00e4 kohtaa ulkomaan- tai kansainv\u00e4linen sairausvakuutus tulee kuvaan mukaan. T\u00e4ss\u00e4 artikkelissa selitet\u00e4\u00e4n, mit\u00e4 ulkomaansairausvakuutus on, milloin sit\u00e4 tarvitaan, kuka sit\u00e4 tarvitsee, mit\u00e4 vakuutusturvassa kannattaa huomioida, millaisia vakuutustyyppej\u00e4 se on ja miksi se on v\u00e4ltt\u00e4m\u00e4t\u00f6n.<\/p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=\"4.20.2\u2033 _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_column type=\"4_4\u2033 _builder_version=\"4.20.2\u2033 _module_preset=\u201ddefault\u201d global_colors_info=\u201d{}\u201d][et_pb_text _builder_version=\u201d4.20.2\u2033 _module_preset=\u201d40b587d8-3a29-4472-9390-93da297e869e\u201d global_colors_info=\u201d{}\u201d]

Mik\u00e4 on ulkomaansairausvakuutus?<\/span><\/h3>\n

Ulkomaan sairausvakuutus tarjoaa sairausvakuutuksen niille, jotka asuvat muissa maissa kuin omassa maassaan. Se tunnetaan my\u00f6s nimell\u00e4 maailmanlaajuinen sairausvakuutus tai kansainv\u00e4linen sairausvakuutus. Se korvaa yleens\u00e4 sairaalahoidon, l\u00e4\u00e4k\u00e4rik\u00e4ynnit, reseptil\u00e4\u00e4kkeet ja h\u00e4t\u00e4evakuoinnit. Ulkomailla asuvat yksityishenkil\u00f6t, opiskelijat ja perheet voivat r\u00e4\u00e4t\u00e4l\u00f6id\u00e4 ulkomaansairausvakuutuksensa henkil\u00f6kohtaisten tarpeidensa mukaan.<\/span><\/p>\n

<\/h3>\n

<\/h3>\n

Milloin sit\u00e4 tarvitaan? Kuka sit\u00e4 tarvitsee?<\/h3>\n

Kaikki, jotka asuvat kotimaansa ulkopuolella pidemm\u00e4n aikaa, tarvitsevat ulkomaansairausvakuutuksen. Kansainv\u00e4liset opiskelijat, monikansallisten yritysten ty\u00f6ntekij\u00e4t, el\u00e4kel\u00e4iset ja digitaaliset nomadit ovat esimerkkej\u00e4 t\u00e4st\u00e4. Kannattaa huomata, ett\u00e4 monet maat vaativat todistuksen sairausvakuutuksesta ennen viisumin tai ty\u00f6luvan saamista. Lis\u00e4ksi joidenkin maiden paikalliset sairausvakuutukset saattavat sulkea pois tai rajoittaa ulkomaalaisten sairausvakuutusturvaa, mik\u00e4 edellytt\u00e4\u00e4 kansainv\u00e4lisen sairausvakuutuksen hankkimista.<\/p>\n

<\/span><\/h3>\n

<\/span><\/h3>\n

Mit\u00e4 ulkomaansairausvakuutuksesta kannattaa etsi\u00e4?<\/span><\/h3>\n

Ulkomaan sairausvakuutusta valittaessa on otettava huomioon muutamia ratkaisevia tekij\u00f6it\u00e4:<\/span><\/p>\n

    \n
  • Kattavuus<\/span><\/strong>: Tarkista, kattaako vakuutus tarvittavat sairaanhoitopalvelut, kuten sairaalahoidon, potilaan hoidon, reseptil\u00e4\u00e4kkeet ja h\u00e4t\u00e4evakuoinnin.<\/span><\/li>\n
  • Verkko<\/span><\/strong>: Etsi vakuutus, jolla on laaja verkosto l\u00e4\u00e4ketieteen ammattilaisia ja sairaaloita alueellasi.<\/span><\/li>\n
  • Kustannukset<\/span><\/strong>: Tutki vakuutuksen hinta, mukaan lukien mahdolliset omavastuut, omavastuuosuudet tai yhteisvastuut.<\/span><\/li>\n
  • Asiakaspalvelu<\/span><\/strong>: Etsi vakuutus, joka tarjoaa erinomaista asiakaspalvelua ja 24 tunnin apua.<\/span><\/li>\n
  • Uusiutuvuus<\/span><\/strong>: Tarkista, ett\u00e4 vakuutus on uusittavissa, varsinkin jos aiot oleskella ulkomailla pidemm\u00e4n aikaa.<\/span><\/li>\n<\/ul>\n

    <\/h3>\n

    <\/h3>\n

    Kansainv\u00e4lisen sairausvakuutuksen tyypit<\/h3>\n

    Ulkomaan sairausvakuutus voi olla monessa eri muodossa, mukaan lukien:<\/p>\n

      \n
    • Kattavat suunnitelmat<\/strong>: N\u00e4m\u00e4 j\u00e4rjestelyt tarjoavat suurimman vakuutusturvan, ja niihin sis\u00e4ltyy yleens\u00e4 sairaanhoito-, hammasl\u00e4\u00e4k\u00e4rin- ja n\u00e4\u00f6nturvavakuutus.<\/li>\n
    • L\u00e4\u00e4ketieteelliset h\u00e4t\u00e4evakuointisuunnitelmat<\/strong>: N\u00e4ihin suunnitelmiin sis\u00e4ltyy h\u00e4t\u00e4evakuointi l\u00e4\u00e4ketieteellisen h\u00e4t\u00e4tilanteen sattuessa.<\/li>\n
    • Matkasairaanhoitosuunnitelmat<\/strong>: N\u00e4m\u00e4 vakuutukset tarjoavat matkustajille lyhytaikaisen sairausvakuutuksen.<\/li>\n
    • Erikoissuunnitelmat<\/strong>: N\u00e4m\u00e4 vakuutukset kattavat tiettyj\u00e4 l\u00e4\u00e4ketieteellisi\u00e4 ongelmia, kuten sy\u00f6p\u00e4\u00e4 tai diabetesta.<\/li>\n<\/ul>\n

      <\/h3>\n

      <\/h3>\n

      Miksi kansainv\u00e4lisen sairausvakuutuksen ottaminen on t\u00e4rke\u00e4\u00e4?<\/h3>\n

      Ulkomaille otettava sairausvakuutus on t\u00e4rke\u00e4 useista syist\u00e4. Ensinn\u00e4kin se mahdollistaa korkealaatuisen terveydenhuollon saannin ulkomailla asuessa. Toiseksi se tarjoaa mielenrauhaa odottamattoman l\u00e4\u00e4ketieteellisen h\u00e4t\u00e4tilanteen varalta. Vakuutus voi my\u00f6s s\u00e4\u00e4st\u00e4\u00e4 rahaa pitk\u00e4ll\u00e4 aikav\u00e4lill\u00e4, sill\u00e4 se maksaa sairaanhoitopalvelut, jotka muuten joutuisit maksamaan omasta pussista. Lis\u00e4ksi joissakin maissa sit\u00e4 saatetaan tarvita viisumia tai ty\u00f6lupaa varten.<\/p>\n

      Kansainv\u00e4linen sairausvakuutus on t\u00e4rke\u00e4 asia kaikille, jotka aikovat asua ulkomailla pidemm\u00e4n aikaa. Kun valitset vakuutusta, pid\u00e4 mieless\u00e4si kattavuus, verkosto, edullisuus, asiakaspalvelu ja uusittavuus. Kun sinulla on asianmukainen vakuutusturva, voit nauttia ulkomailla asumisesta tiet\u00e4en, ett\u00e4 saat laadukasta sairaanhoitoa ja ett\u00e4 saat turvaa h\u00e4t\u00e4tilanteessa.<\/p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=\"1_4,1_4,1_4,1_4,1_4\u2033 admin_label=\"navigointi\" _builder_version=\"4.20.2\u2033 _module_preset=\"default\" locked=\"off\" global_colors_info=\"{}\"][et_pb_column type=\"1_4\u2033 _builder_version=\"1.20.2\u2033 _builder_version=\"1.20.2\u2033 _bilder_version=\"4.20.2\u2033 _module_preset=\"default\" custom_padding=\"5px|5px|5px|5px|5px|false|false\" border_radii=\"on|3px|3px|3px|3px|3px\" border_width_all=\"1px\" border_color_all=\"#26343E\" global_colors_info=\"{}\"][et_pb_image src=\"https:\/\/storage.googleapis.com\/sitata-wp\/2023\/05\/multi-trip-type.jpg\" title_text=\"multi-trip-type\" show_bottom_space=\"off\" _builder_version=\"4.20.2\u2033 _module_preset=\"default\" custom_margin=\"||0px||false|false\" custom_padding=\"||0px||false|false\" global_colors_info=\"{}\"][\/et_pb_image][et_pb_text _builder_version=\"4.20.2\u2033 _module_preset=\"40b587d8-3a29-4472-9390-93da297e869e\" text_orientation=\"right\" custom_margin=\"||0px||false|false\" custom_padding=\"||0px||false|false\" hover_enabled=\"0\u2033 global_colors_info=\"{}\" sticky_enabled=\"0\u2033]

      Palaa takaisin...<\/p>[\/et_pb_text][et_pb_text _builder_version=\"4.20.2\u2033 _dynamic_attributes=\"link_option_url\" _module_preset=\"default\" text_font=\"||||||||\" text_text_color=\"#0C71C3\u2033 link_option_url=\"@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjExMTU0NCJ9fQ==@\" hover_enabled=\"0\u2033 global_colors_info=\"{}\" sticky_enabled=\"0\u2033]

      Matkavakuutustyypit<\/span><\/p>[\/et_pb_text][\/et_pb_column][et_pb_column type=\"1_4\u2033 _builder_version=\"4.20.2\u2033 _module_preset=\"default\" global_colors_info=\"{}\"][\/et_pb_column][et_pb_column type=\"1_4\u2033 _builder_version=\"4.20.2\u2033 _module_preset=\"default\" global_colors_info=\"{}\"][\/et_pb_column][et_pb_column type=\"1_4\u2033 _builder_version=\"4.20.2\u2033 _module_preset=\"default\" custom_padding=\"5px|5px|5px|5px|5px|false|false\" border_radii=\"on|3px|3px|3px|3px|3px\" border_width_all=\"1px\" border_color_all=\"#26343E\" global_colors_info=\"{}\"][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\"1\u2033 admin_label=\"Section\" _builder_version=\"4.19.5\u2033 _module_preset=\"default\" background_color=\"#ffefd6\u2033 background_image=\"https:\/\/blog.sitata.com\/wp-content\/uploads\/2023\/02\/continents-min.png\" custom_padding=\"140px||140px|||false|false\" da_disable_devices=\"off|off|off\" global_colors_info=\"{}\" da_is_popup=\"off\" da_exit_intent=\"off\" da_has_close=\"on\" da_alt_close=\"off\" da_dark_close=\"off\" da_not_modal=\"on\" da_is_singular=\"off\" da_with_loader=\"off\" da_has_shadow=\"on\"][et_pb_row _builder_version=\"4.19.5\u2033 _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_column type=\"4_4\u2033 _builder_version=\"4.19.5\u2033 _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_code admin_label=\"otsikko\" _builder_version=\"4.20.2\u2033 _module_preset=\"default\" text_orientation=\"center\" module_alignment=\"center\" custom_margin=\"0px|||0px||false|false\" scroll_vertical_motion_enable=\"on\" scroll_vertical_motion=\"0|43|43|100|4|0|0|0\u2033 scroll_fade_enable=\"on\" motion_trigger_start=\"bottom\" global_colors_info=\"{}\"]

      Ent\u00e4 jos matkavakuutuksesi todella auttoi sinua saamaan sujuvamman matkan?<\/span><\/h1>[\/et_pb_code][et_pb_text _builder_version=\"4.19.5\u2033 _module_preset=\"301fdfa3-009a-42fe-8b20-657927fbb5c5\u2033 text_orientation=\"center\" max_width=\"100%\" scroll_vertical_motion_enable=\"on\" scroll_vertical_motion=\"0|42|42|100|4|0|0|0\u2033 scroll_fade_enable=\"on\" motion_trigger_start=\"bottom\" global_colors_info=\"{}\"]

      Katso, miksi tuhannet matkailijat valitsevat Sitatan matkoilleen.<\/span><\/p>[\/et_pb_text][et_pb_button button_url=\"@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjExMDE1NSJ9fQ==@\" button_text=\"Valitse Sitata nyt\" button_alignment=\"center\" button_alignment_tablet=\"center\" button_alignment_phone=\"center\" button_alignment_last_edited=\"on|tablet\" _builder_version=\"4.20.2\u2033 _dynamic_attributes=\u201dbutton_url\u201d _module_preset=\u201d01b458d8-4fdc-4ba5-9b17-00796f37ec71\u2033 custom_margin=\"25px||||false|false\" animation_direction=\"bottom\" scroll_vertical_motion_enable=\"on\" scroll_vertical_motion=\"0|43|43|43|100|4|0|0\u2033 scroll_fade_enable=\"on\" motion_trigger_start=\"top\" global_colors_info=\"{}\"][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][\/et_pb_section][\/et_pb_section]","protected":false},"excerpt":{"rendered":"

      SITATA INSURANCE ACADEMYEXPATRIATE TRAVEL INSURANCEE Ulkomailla asuminen voi olla palkitseva kokemus, mutta sill\u00e4 on my\u00f6s haittapuolensa. Yksi n\u00e4ist\u00e4 haasteista on varmistaa, ett\u00e4 sinulla on riitt\u00e4v\u00e4 sairausvakuutusturva odottamattomien l\u00e4\u00e4ketieteellisten h\u00e4t\u00e4tilanteiden varalta. T\u00e4ss\u00e4 kohtaa ulkomaan- tai kansainv\u00e4linen sairausvakuutus tulee kuvaan mukaan. T\u00e4ss\u00e4 artikkelissa selitet\u00e4\u00e4n, mit\u00e4 ulkomaansairausvakuutus on, milloin se [...].<\/p>","protected":false},"author":15,"featured_media":112444,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","inline_featured_image":false,"footnotes":""},"folder":[455],"yoast_head":"\nExpatriate or Ex-pat Health Insurance<\/title>\n<meta name=\"description\" content=\"Expatriate health insurance is a crucial consideration for anyone who plans to reside abroad for an extended period. 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