Hey there, globetrotting farmers! Whether you’re off to the rolling fields of the USA or packing your bags for other farm-friendly destinations, one thing you can’t forget (besides your favourite braai recipes) is solid international health insurance. It’s the trusty tractor that keeps your health in check while you’re busy harvesting opportunities abroad. Here are some golden nuggets of wisdom to help you choose the perfect plan!
1. Budget First: Don’t Sow What You Can’t Reap
Let’s be honest—insurance is an investment, but it doesn’t have to break the bank. Think about what you can comfortably spend while still ensuring you’re covered for life’s unexpected curveballs (or stray tractors). Some plans offer streamlined options like hospital-only cover, which could be easier on your wallet if you’re keeping things simple.
2. Where Are You Headed?
Not all farmers wander the globe the same way! If you’re hopping between continents, look for a plan with worldwide coverage. But, if your pitchfork is set on working in the USA and heading home to sunny South Africa for holidays, something like the Cigna Closed Care plan is a no-brainer. It covers you in the USA and South Africa only, saving you unnecessary extras for places you’re not visiting.
3. Hospital Plan or Full Bouquet?
Are you all about the basics, or do you like a little extra? With international health insurance, you get to choose:
- Hospital-Only Plan: For the “just-in-case” moments.
- Add-Ons Like Dental, Vision, and Wellness: Because pearly whites and sharp sight deserve love too. If you’re all about staying at your best, these extras might be worth it!
4. Medical Evacuation Is Non-Negotiable
Here’s the thing about farming: the land may be lush, but the hospitals are often…far away. Medical evacuation benefits ensure you can be whisked away to a top-notch facility if an emergency strikes. It’s especially vital for those remote locations where you’re more likely to encounter cows than cutting-edge medical care.
5. Cover That Works at Home and Away
Good news, Saffa farmers—international health insurance doesn’t stop working when you’re back on home soil. Whether you’re taking a breather in South Africa or navigating foreign lands, you’ll have peace of mind knowing your policy has your back.
Why It Matters
Farming abroad is rewarding but demanding work. You’re braving new lands, managing risks, and let’s face it—dealing with long days and unpredictable weather. A reliable health insurance plan means you can focus on what matters (like mastering your new tractor) while knowing you’re covered for any health hiccups.
Ready to Get Covered?
If you’re still scratching your hat, wondering which plan is right for you, don’t sweat it. We’re here to help you find the perfect fit for your farming adventure. Drop us a message, and let’s make your health insurance as adaptable as your green thumb.
Clarity Employee Benefits is an authorised Financial Services Provider (FSP No. 51007). We’re ready to provide you with expert seasonal farmer health insurance guidance and advice.
