For many expats, the assumption that a policy taken out in their home country will continue to provide the same level of protection abroad is common—but not always accurate. As an adviser working with expats in Qatar, I’ve seen numerous cases where individuals discovered that their existing life or critical illness insurance policies no longer offered coverage now that they have relocated.

Insurance policies are typically governed by the laws and conditions set by the issuing country. Many life and critical illness policies are designed with a resident’s circumstances in mind. When you move abroad, particularly on a long-term basis, several factors can impact the validity of your policy:

​•Residency Requirements: Many insurers require that policyholders maintain residency in the country where the policy was issued. Changing your residency status—such as moving to Qatar—can result in the policy being limited or even voided, depending on the terms and conditions.

​•Coverage Scope: Some policies offer limited coverage outside the home country or may include exclusions for claims arising while residing abroad. This means that even if the policy remains technically in force, its benefits might not be available if you need to make a claim while living in Qatar.

​•Notification Obligations: Policyholders are often required to inform their insurer of any changes in their residency or employment status. Failure to do so may lead to complications or denial of claims when you need them most.

For expatriates, having a policy with international coverage is crucial. An international life or critical illness insurance policy is designed to cater specifically to the needs of individuals living and working abroad.

If you’re uncertain whether your existing policy covers you as a resident in Qatar, you should review your policy documents, paying close attention to clauses related to residency, exclusions and claim limitations. If this is inconclusive, then reach out directly to your insurance provider to discuss your current residency status and ask how it may affect your coverage.