Reflect on these questions: For the Business Owner (Employing a Global Team) Am I treating comprehensive global health insurance as a strategic tool for talent retention, or am I treating it as a "check-the-box" liability I need to minimize? If my top employee had a major medical emergency in a foreign country, am I 100% confident our current plan covers emergency evacuation and long-term treatment, or am I exposed to massive financial and legal risk? How am I balancing my "duty of care" to my employees with the high cost of policies, and have I clearly communicated the limits of our company plan so they understand their personal responsibilities? For the Employee (Expat or Salaried Remote Worker) Do I truly understand the details of my company-provided plan (like deductibles, out-of-network coverage, and pre-authorization rules), or am I just assuming I'm "covered" for any situation? Is my current plan a true "global health" policy designed for a long-term expat (covering wellness checks, dental, etc.), or is it just a "travel" policy that only covers catastrophic emergencies? If I were to lose this job tomorrow, what is my immediate plan for health coverage, especially if my visa is tied to my employment? For the Freelancer (Digital Nomad or Solopreneur) Am I being "penny wise and pound foolish" by relying on cheap, short-term travel insurance, and am I financially prepared for the devastating cost of a serious (but non-emergency) illness like cancer? Does my current plan force me to fly "home" for any significant treatment, and if so, is that a realistic plan, especially if I'm injured or very ill? Am I treating global health insurance as a non-negotiable monthly business expense (like my laptop or software), or am I treating it as an optional "extra" that I cut when my cash flow is tight?