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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.
← Chetcuti Speaks Out: “We Categorically Deny All The Allegations and Insinuations”
Beacon’s Hong Kong Summit to Open to the Public “In View of the Situation” →
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.
Our readers are the best-informedprofessionals in the investmentmigration industry.Once a week, we’ll send you acurated newsletter with the week’stop stories.Email
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