When teaching English abroad, health insurance coverage can vary. In some cases, employers provide it, while in others, teachers may need to secure it independently. It is essential to clarify health insurance provisions during job interviews to ensure you are adequately protected. The specifics of health coverage often depend on the country and the school's policies. Here is a deeper look into health insurance considerations for ESL teachers globally.
Table of Contents
Will I get health insurance when teaching English in Asia?
Will I get health insurance when teaching English in Europe?
Will I get health insurance when teaching English in the Middle East?
Will I get health insurance when teaching English in Latin America?
How do I purchase health insurance for teaching English abroad?
Will I get health insurance when teaching English in Asia?
In Asia, many top ESL destinations provide health insurance to English teachers. Countries like China, Japan, South Korea, Taiwan, Indonesia, and Vietnam often offer health coverage, sometimes fully covered or with minimal deductions from the monthly salary. While these countries consistently offer health benefits, it is less common in other parts of the region outside of internationally recognized schools. It is crucial to inquire about health insurance specifics when securing a teaching position.
Will I get health insurance when teaching English in Europe?
EU citizens teaching in other EU countries typically have access to the local health care system. Non-EU passport holders who are able to secure a work permit should also find that they are eligible for health insurance, normally through a monthly deduction from your paycheck. Another situation where health cover is generally provided is for those enrolled on government run teaching assistant programs such as those in France and Spain. For most non-EU citizens, work permits are notoriously hard to secure in many European countries. Because of this, thousands of ESL teachers in popular countries such as Italy and Spain find themselves working 'under the table'. Although technically illegal this is common practice and conducted openly, however, it does mean that you are responsible for your own health insurance. It is also worth noting that anyone applying for a student visa or working holiday visa for a European country will usually have to provide proof of adequate health insurance cover for the duration of their stay.
Will I get health insurance when teaching English in the Middle East?
Health insurance is generally provided as part of a teacher's benefit package in most of the main markets in the region, including Saudi Arabia, the United Arab Emirates, Oman, Qatar, Bahrain and Kuwait.
Will I get health insurance when teaching English in Latin America?
In Latin America, securing work permits can be challenging, leading many ESL teachers to work without official tax registration. Consequently, the majority of English teachers in this region typically arrange their own health insurance. However, countries like Chile and Mexico are exceptions, where obtaining work visas and official employment contracts is more prevalent, increasing the likelihood of provided health insurance.
How do I purchase health insurance for teaching English abroad?
When procuring health insurance for teaching English abroad, it is important to go for long-term international coverage, which is usually more cost-effective than daily holiday or domestic policies. Begin by researching various insurance providers to find a comprehensive deal tailored to your needs. On average, allocate about $50 monthly for your premium, although more economical options might offer adequate protection. Even if your employment contract provides health benefits, acquiring supplementary international insurance is advisable, especially if you intend to travel outside your host country, ensuring complete coverage.
