Moving abroad, changing countries or facing a hospital stay: how do you choose health insurance that fits your lifestyle? Cédric Tumminello talks with Cécile Chardonnet, a health insurance broker at Aexpat and an expat based in Kuala Lumpur. They discuss the limits of credit-card insurance, how budgets vary by destination, country of residence and coverage zones, pre-existing medical conditions, waiting periods and maternity coverage. Cécile also explains the broker’s role, what happens during a hospital admission and which contacts to keep handy in an emergency. A practical conversation about the questions to ask before choosing a policy. The benefits and conditions discussed depend on the policy and each person’s circumstances. Recorded on October 8, 2026, with French, English and Spanish subtitles.