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Monday, May 31, 2021

CHRISTIAN HENRIK NESHEIM ADMINISTRATOR

KEYMASTER

Editor Investment Migration Insider

Christian Henrik Nesheim is the founder and editor of

Investment Migration Insider, the #1 magazine – online or

offline – for residency and citizenship by investment. He is

an internationally recognized expert, speaker, documentary

producer, and writer on the subject of investment

migration, whose work is cited in the Economist,

Bloomberg, Fortune, Forbes, Newsweek, and Business

Insider. Norwegian by birth, Christian has spent the last 14

years in the United States, China, and Spain. 

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Opinion  

Investment Migration Advisors Need to Talk toClients About Health Insurance

October 9, 2019 Christian Henrik Nesheim citizenship by investment, club, health insurance, kevin burchler,

opinion, residence by investment, swiss insurance partners

Kevin Bürchler

Swiss Insurance Partners AG

Since the ’90s, residency and citizenship planners, investment migration agents,

lawyers, and other consultants have continuously honed their skills in advising

clients on �nding the right program to satisfy their objectives. During the same

period, RCBI jurisdictions have continuously improved their programs to o�er

remarkable solutions and attract investors by meeting those objectives.

While clients’ motives vary from case to case, most are recurring: A safe and stable

environment for oneself and one’s family, having a plan B, moving to a country

with a higher quality of life, more economic opportunities, better education, and so

on. Each individual or family has its own reasons for making the move, but the

underlying objectives don’t vary much; freedom, security, investment, and asset

protection.

To satisfy a client, the investment migration advisor must fully understand the

fundamental motives of the applicant. Only when the advisor grasps what reallydrives the client can he ensure the success of the application process and the

satisfaction of the applicant, which, in turn, will grant the advisor a chance at repeat-

business, a�er-sales collaboration, and referrals.

Other stories on o�ering the right advice to clients:

Citizenship and Wealth Advisors: What Each Needs to Know About the Other toHelp Their HNWI Clients

How Investment Migration Firms Can Capitalize on Clients’ Demand forEducation

7 Ways HNWIs Sabotage Their Own Backup Plans – Part I

Understanding the fundamental “why” and o�ering solutions to satisfy these needs

and desires has always been the key to success in every advisory business. And this is

where the topic of health and high-end medical insurance comes into play because

it aims at satisfying exactly the same fundamental motives. 

What is meant by “it satis�es exactly the same fundamental motives”?

First, it protects the client’s assets in two chief ways.

On the one hand, the traditional element of the insurance protects you against

volatility in the balance sheet, here the applicant’s wealth. Medical treatment is

expensive and, when searching for the best care worldwide, which very o�en is not

in the client’s country of residence, it turns out that costs may be very high.

Surgeries, treatments, and medication that cost $250,000 and more are not

exceptional anymore. International health insurance covers these costs worldwide.

On the other hand, it protects the most important asset that one can have: Health.

Everyone who has experienced sickness and disease in their family is well aware of

that. Being international also means that your health risk landscape changes

dramatically as you face very di�erent environmental in�uences.

The second motive is security.

International health insurance is an investment in one’s health, security, and

protection. No, it will not be able to prevent an individual from falling ill, having

cancer, cardiac disease, or accidents. But it gives you the best possible chance at

becoming healthy again.

And here is the second element of international health insurance of which many

advisors are not aware; advice and free choice of hospitals, clinics, and specialists.

This is crucial because a wrong diagnosis, an error during a surgery, or prescription

of a medication that isn’t actually required can all cost a lot of time and money and

may even worsen one’s condition.

With the help of an experienced advisor, diagnosis and direct treatment by the most

renowned specialists globally is ensured. Abroad, it’s o�en very di�cult for an

individual to �nd the right clinic and doctor for a speci�c illness. The advisor has

the know-how to advise and facilitate the right contacts.

In this manner, international health coverage helps create the security an applicant

is looking for: Having the best specialists taking care of you when you need it the

most.

The third motive is freedom and lifestyle, o�en closely related to the freedom of

travel and the desire to be a global citizen. The privilege and opportunities of an

international lifestyle naturally also come with international risk exposure. Thus, an

international lifestyle requires adequate international health coverage with services

that work globally. Those applying for a citizenship or residency program

become eligible for international health insurance. It o�ers the potential to leverage

a citizenship in combination with international medical insurance to reach an even

higher quality of life. 

This is why it’s crucial for investment migration advisors to speak about

international health coverage and o�er the possibility to be educated and advised

by an expert. Many individuals are not aware of the possibilities, bene�ts, or even

the existence of such international health insurance options and they will be grateful

for the advice.

Making a client happy and satis�ed has always been the best route to a sustainable

and successful business. To that end, be sure not to neglect the mention of

international medical coverage.

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