Different lives. Different cover.

The NHS and Medicare don’t follow you abroad, and some visas turn down the wrong policy. Here’s what stops when you leave, and what a good expat plan needs.

Most “nomad insurance” is travel cover you can renew. Spain won’t accept that for its nomad visa, and Thailand’s DTV asks for nothing. Here’s how to pick.

Maternity cover starts 10 to 12 months after you buy, and a newborn has to be added within weeks. Here are the real rules from insurers’ own pages, and how to plan around them.

Your retirement visa may set a minimum. Insurers set an age limit to join. Medicare stays at home. Here are the rules, country by country.

Diabetes, asthma, a past operation. How the insurer checks your health decides what it pays. Here is how the 2 main methods work, with real wording.

Australia wants OSHC, the UK a £776 surcharge, Germany a public fund until 30. Each country has its own rule. Here they are, side by side.