AXA Global Healthcare’s new Mind Health Report reveals a notable generational divide in how expats experience and manage their mental wellbeing. The fifth edition of the report shows that while older expats lean on their resilience and life experience, younger expats are more open about the challenges they face. It also highlights how younger generations are driving the adoption of AI and digital mind health tools, even though many report being adversely affected by excessive use of social media.

Across Europe, access to outpatient healthcare remains one of the most persistent challenges in private and travel insurance, particularly for expatriates navigating unfamiliar and fragmented healthcare systems. What should be a straightforward medical visit often becomes complex, slow, and difficult to coordinate, creating frustration for patients and inefficiency across the insurance value chain.

This iPMI report presents a comprehensive 2025 overview detailing the mandatory health insurance requirements for expatriates seeking long-stay visas and residency permits worldwide. This strict enforcement primarily exists to ensure that incoming foreigners can cover their own medical expenses, thereby avoiding the overburdening of local public health systems. The article emphasizes that short-term travel insurance is inadequate, noting that governments require policies that are comprehensive and long-term, covering essentials such as hospitalization, emergency care, and repatriation for the entire visa duration. Extensive regional examples show stringent compliance, particularly in the Schengen Area and the Gulf Region. Finally, the article provides practical advice, urging expats to confirm specific visa rules, avoid high deductibles, and ascertain whether the host country requires a local insurer.