Global or Local Insurance?

Some long term missionaries have found it better to get insurance locally when they're on the field. It's usually cheaper and specifically covers that country. Then they get short-term insurance whenever they travel outside that country (like for holidays or home assignment). Do you see any potential pitfalls with this?

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  • It sounds like the issue of emergency treatment and repatriation cover might get confused.  Are they getting local health insurance and then short term insurance for trips back home?
    • Exactly. It seems that repatriation cover would be missing. Can you get that in a standalone policy? What else might not be covered in this 'low cost' combination?
    • Belongings and Money cover?  It would be interesting to have a real life example of a typical local policy that might be purchased and then do a full comparison.

    • I would assume that Belongings & Money cover would be a normal part of any 'contents' policy. I'll see if I can get a real life example to look at.

    • True.  I was looking at the travel side, rather than home insurance!

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