Expat contract or local contract: what changes for your cover

Margaret Ferté
Margaret Ferté
Chief Executive Officer · 27 June 2026
6 min read
Expat contract or local contract: what changes for your cover

Working abroad raises one administrative question that quietly determines your healthcare: which employment status are you actually on?

StatusHome social securityWho insures your health
SecondmentMaintainedEmployer + top-up
Local contractEndedLocal scheme, often thin
Expatriate contractVoluntary schemeInternational private plan

If your status changes mid-assignment, re-check your policy start date — waiting periods usually restart with a new contract.

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