移民需要购买保险吗英文

The answer to whether immigrants need to purchase insurance depends on the destination country and the type of visa or residency being applied for. Below is a summary of insurance requirements and recommendations for immigrants in different countries, based on the search results:

1. Mandatory Health Insurance in Some Countries

Non-lucrative visa applicants must purchase comprehensive private health insurance from Spanish-registered providers (e.g., Sanitas, Adeslas, Mapfre). The policy must cover all medical expenses (hospitalization, emergencies, etc.) without copayments and be valid for at least one year. Failure to meet this requirement leads to visa rejection. If the visa is denied, refunds are possible with a rejection letter .

Under the Affordable Care Act (ACA), most residents (including immigrants with legal status) must have health insurance to avoid penalties. Exemptions apply for short-term stays abroad or financial hardship. Medicaid and CHIP are available for low-income immigrants meeting residency and eligibility criteria. Emergency care is accessible regardless of immigration status, but insurance is strongly advised .

2. Recommended Insurance Types for Immigrants

Even if not mandatory, purchasing insurance is highly advisable for financial security:

Protects families from income loss. In Hong Kong, policies often offer higher returns and broader coverage than mainland China .

Required for mortgaged homes in the U.S. and recommended in earthquake-prone regions like New Zealand .

Legally required in most U.S. states and recommended in New Zealand due to differing traffic laws .

3. Handling Existing Insurance from Home Country

Domestic life or critical illness insurance remains valid after immigration, but理赔 may require documentation from mainland hospitals. Payouts in RMB must follow foreign exchange rules for overseas transfers (e.g., capped at $50,000/year under capital account regulations) .

Policies are legally enforceable and often preferred due to global investment advantages. However, some insurers may terminate coverage if the policyholder relocates (e.g., Bowtie’s term life insurance) .

4. Key Considerations

Conclusion

Insurance requirements vary by country, but health coverage is often mandatory for visa approval. Immigrants should evaluate destination-specific rules and consider supplementary policies (life, property, auto) for comprehensive protection. Existing policies from the home country may need adjustments or replacements to align with local regulations.

For detailed procedures, consult official immigration guidelines or insurance providers in the target country.