1. What are the available health insurance options and plans for expats in Bhutan?

There is currently only one health insurance option for expats in Bhutan, which is the National Health Insurance Scheme. This scheme is administered by the Ministry of Health and provides coverage for basic healthcare services to all citizens and legal residents of Bhutan, including expats.

Under this scheme, expats are required to pay an annual premium based on their income, with rates ranging from 1% to 3%. The coverage includes outpatient services, inpatient care, emergency treatment, diagnostic tests, and some surgical procedures.

2. Is it mandatory for expats to have health insurance in Bhutan?

Yes, under the National Health Insurance Scheme, all legal residents of Bhutan (including expats) are required to have health insurance. It is a mandatory requirement for obtaining a work permit or visa for staying in Bhutan.

3. What documents are required to apply for health insurance in Bhutan?

To apply for health insurance in Bhutan under the National Health Insurance Scheme, you will need to submit the following documents:

– A completed application form
– A copy of your passport or identification document
– Work permit or visa (if applicable)
– Proof of income (such as tax returns or salary certificate)
– Any additional documents requested by the Ministry of Health

4. How do I enroll in the National Health Insurance Scheme?

To enroll in the National Health Insurance Scheme as an expat, you will need to fill out an application form and submit it along with the necessary documents to the Ministry of Health. The application process can be done online or at one of the designated enrollment centers.

You can also enroll through your employer, who will assist you with the registration process and pay your premiums. Once your enrollment is approved, you will receive a health insurance card that can be used to access medical services.

5. Are pre-existing conditions covered under the National Health Insurance Scheme?

No, pre-existing conditions are not covered under the National Health Insurance Scheme in Bhutan. This means that any health conditions or illnesses that existed before your enrollment in the scheme will not be covered by your insurance.

6. Are dependents covered under the National Health Insurance Scheme?

Yes, dependents of expats are also eligible for coverage under the National Health Insurance Scheme. Dependents include spouses, children below 18 years old, and parents above 60 years old who are living with the expat and financially dependent on them.

7. Can I use my health insurance outside of Bhutan?

No, the National Health Insurance Scheme only provides coverage for medical services within Bhutan. If you require medical treatment outside of Bhutan, you will need to seek private health insurance.

2. Is it mandatory for expats to have health insurance in Bhutan?

Yes, health insurance is mandatory for expats working in Bhutan. Employers are required to sponsor health insurance for their employees and their dependents. Expats can also purchase individual health insurance plans from the country’s only insurer, the Royal Insurance Corporation of Bhutan.

3. What is the average cost of health insurance for expats in Bhutan?

The average cost of health insurance for expats in Bhutan varies depending on the coverage and company. Generally, premiums can range from $100 to $300 per month for comprehensive coverage. It is recommended to research and compare different insurance options to find the best policy that fits your needs and budget.

4. Are there any government-sponsored health insurance programs for expats in Bhutan?

Yes, the government of Bhutan offers universal healthcare coverage to all citizens and expats through the Bhutan Health Trust Fund. This fund is supported by contributions from both employers and employees. Additionally, there is a Basic Health Insurance Scheme that provides coverage to all citizens, including expats, for certain basic medical treatments and services.

5. Can I use my home country’s health insurance while living in Bhutan?

No, you cannot use your home country’s health insurance while living in Bhutan. All international visitors are required to purchase a travel health insurance policy that is approved by the Royal Insurance Corporation of Bhutan (RICB). This policy covers emergency medical evacuation and treatment within the country.

6. How does the healthcare system work for expats in Bhutan?

The healthcare system in Bhutan is government-run and accessible to all citizens, including expats. However, expats may face some challenges accessing healthcare due to language barriers and limited resources in rural areas.

Expats are required to have valid health insurance in order to obtain medical services in Bhutan. This can be purchased through an approved insurance provider or through the national health insurance scheme called the RGoB Health Insurance Scheme.

In major cities like Thimphu and Paro, there are well-equipped hospitals with modern facilities and trained medical professionals. However, the quality of healthcare may vary outside of these areas.

Expats should also be aware that Bhutan follows a traditional healing system called “Sowa Rigpa” alongside modern medicine. This involves the use of natural herbs and minerals for treatment, and many people in Bhutan believe in its effectiveness. Expats may encounter this type of treatment when seeking medical care.

It is recommended that expats keep their vaccinations up-to-date before travelling to Bhutan, as there are some diseases present that are not common in other countries. It is also advised to bring any necessary medications with you, as they may not be readily available in Bhutan.

Overall, while there may be some challenges navigating the healthcare system as an expat in Bhutan, it is generally accessible and provides adequate care for most medical needs.

7. Do I need to have a certain level of income to be eligible for health insurance as an expat in Bhutan?

There is no specific income level required to be eligible for health insurance as an expat in Bhutan. However, some insurance companies may have their own criteria and eligibility requirements that you need to meet. You should check with the insurance provider for more details.

8. Are pre-existing conditions covered under the expat health insurance plans in Bhutan?

Pre-existing conditions are typically not covered under expat health insurance plans in Bhutan. However, some plans may offer coverage for certain pre-existing conditions after a waiting period of 12 months or more, depending on the severity and nature of the condition. It’s important to carefully review the details of your plan to understand what is and isn’t covered.

9. What is the process of applying for health insurance as an expat in Bhutan?

The process of applying for health insurance as an expat in Bhutan may vary depending on the specific insurance provider and policy. Generally, it involves the following steps:

1. Research and compare insurance providers: Start by researching different insurance providers that offer plans for expats in Bhutan. Compare their coverage options, benefits, premiums, and other details to find the best fit for your needs.

2. Check eligibility requirements: Some insurance providers may have specific eligibility requirements for expats living in Bhutan, such as minimum age, residency status, or income level. Make sure you meet these requirements before proceeding with your application.

3. Fill out an application form: Once you have chosen an insurance provider, you will need to fill out an application form with your personal details and information about your health history.

4. Provide supporting documents: You may also be required to submit supporting documents such as a copy of your passport, proof of residence in Bhutan, or medical records.

5. Wait for approval: After submitting your application and supporting documents, you will need to wait for the insurance company to review and approve it. This process may take a few days to a few weeks.

6. Pay the premium: Once your application is approved, you will receive a quote for the premium amount. Make sure to pay the premium within the given deadline to activate your health insurance policy.

7. Receive your insurance card: After payment is made, you will receive your health insurance card with details about coverage and contact information for emergency assistance.

It is always recommended to carefully read through the terms and conditions of your policy before signing up and make sure you understand what is covered and what is not covered under the plan.

10. Are routine check-ups and preventative care covered under expat health insurance plans in Bhutan?

Expats enrolled in health insurance plans in Bhutan typically have coverage for routine check-ups and preventative care. However, the specifics may vary depending on the specific plan and provider. It is important to carefully review the coverage details of your health insurance plan to understand what is included in terms of routine check-ups and preventative care. In general, most plans will cover basic preventive services such as vaccinations, wellness exams, and certain screenings. Some expat health insurance plans may also include an annual physical exam as part of their coverage. If you have specific questions about what is covered under your expat health insurance plan, it is best to contact your provider directly for clarification.

11. Can I choose my own doctor or hospital with the provided health insurance options in Bhutan?

You can choose your own doctor or hospital with the provided health insurance options in Bhutan, but it is recommended to check with your insurance provider beforehand to ensure that they are within their network of coverage. Some insurance plans may have restrictions on which hospitals or doctors are covered under their policies.

12. What documents do I need to provide when applying for health insurance as an expat in Bhutan?

1. Passport: A valid passport with at least 6 months’ validity remaining.

2. Work Permit: If you are employed in Bhutan, you will need to provide a copy of your work permit.

3. Residence Permit: If you are living in Bhutan on a long-term basis, you will need to provide a residence permit.

4. Proof of Address: Residential address in Bhutan, such as a utility bill or rental agreement.

5. Letter from Employer: If your employer is providing health insurance for you, they may need to provide a letter stating the details of your coverage.

6. Visa Application Form: This is the form that must be filled out and submitted when applying for a visa to enter Bhutan.

7. Health Declaration Form: Some health insurance providers may require you to fill out a declaration form detailing any pre-existing medical conditions or allergies.

8. Medical Exam Report (if applicable): Depending on the type of insurance plan you are applying for, a medical exam may be required. The insurer may provide their own medical exam form or request that you get tested at an authorized healthcare facility.

9. Proof of Previous Insurance (if applicable): If you have had previous health insurance coverage, it may be necessary to submit proof of this for certain plans or discounts.

10. Payment Information: You will need to provide payment information such as credit/debit card details or bank account information for payment of premiums.

11. Dependent Information (if applicable): If you are including dependents on your health insurance plan, their personal information and identification documents will also be required.

12. Any other supporting documents requested by the insurer specific to their application process.

13. Do I have to pay upfront for medical treatments or will my claims be reimbursed by the insurer?

This depends on the specific policy and insurer. Some health insurance plans require you to pay upfront for medical treatments and then submit a claim for reimbursement. Others may offer direct billing where the insurer pays the medical provider directly. It is important to carefully review your policy to understand how claims will be handled.

14. Are prescription drugs covered under expat health insurance plans in Bhutan?

Expatriate health insurance plans typically cover prescription drugs, however coverage may vary depending on the specific plan and provider. It is important to review your policy carefully to understand what prescription drugs are covered and any limitations or restrictions on coverage.

15. In case of emergencies, does the health insurance cover medical evacuation expenses?

This depends on the specific terms and conditions of your health insurance policy. Some policies may include coverage for medical evacuation or repatriation in case of emergencies, while others may not. It is important to carefully review your policy or contact your insurance provider to determine if this type of coverage is included.

16. Are dental and vision care included in expat health insurance plans in Bhutan?

Some expat health insurance plans in Bhutan may include dental and vision care, but this varies depending on the specific plan and provider. It is important to carefully review the coverage details of any expat health insurance plan to determine if dental and vision care are included or can be added as optional coverage. In general, dental and vision care may not be as comprehensive in Bhutan as they are in other countries, so expats may need to purchase additional coverage or pay out-of-pocket for these services.

17. How long does it take to get coverage after purchasing a plan as an expat in Bhutan?

The length of time it takes to get coverage after purchasing a plan as an expat in Bhutan will vary depending on the type of insurance and provider. Most international insurance providers will have a waiting period before coverage begins, typically ranging from 7 days to 30 days after enrollment. It is important to check with your chosen insurance provider for their specific policy on coverage start dates.

18. Can I tailor my coverage based on my specific needs and budget as an expat living in Bhutan?

Yes, you can tailor your coverage based on your specific needs and budget as an expat living in Bhutan. Many insurance companies offer customizable policies that allow you to choose the level of coverage and add on additional benefits that suit your lifestyle. It’s important to carefully assess your needs and budget, and communicate them to your insurance provider so they can help you find the best coverage for your unique situation.

19.For how long can I keep my international/expat health insurance if I decide to leave Bhutan and move to another country?

The length of time you can keep your international/expat health insurance will depend on the terms and conditions of your policy. Some policies may have a maximum coverage period, while others may allow you to keep the coverage as long as you continue to pay the premiums. It is important to check with your insurance provider and understand the specific details of your policy before making any decisions about leaving Bhutan and moving to another country.

20. Are there any exclusions or limitations on coverage for expats in Bhutan?

As coverage for expats in Bhutan varies depending on the individual insurance plan and provider, there may be certain exclusions or limitations on coverage. Some potential exclusions or limitations that expats may encounter include pre-existing conditions, certain high-risk activities (such as extreme sports), and coverage limits for certain medical treatments or procedures. It is important to carefully review the terms and conditions of your insurance policy to fully understand any potential exclusions or limitations on coverage.