People often associate international health insurance with emergencies and being airlifted to the nearest hospital. The reality is, most claims made through expat insurance are for everyday ailments reports Expat Health.org

The most common complaint is back problems. Back pain is extremely common, with four in five people being affected at some point in their lives. Carrying heavy suitcases, being on long-haul flights and even sleeping in an unfamiliar bed can bring on this type of pain.

The second most common complaint claimed for by policyholders is respiratory infections. This includes influenza which can be contracted by being in new surroundings and picking up viruses your body is susceptible to. Higher pollution in your destination can also cause respiratory problems and poor air quality.

Third on the list is gastro or abdominal problems. In the current age of frequent travel, globe-trotters find themselves getting stomach problems much less than in previous decades. However, unfamiliar viruses and bacteria can cause abdominal issues with some people. More serious illnesses such as dysentery are still common in developing countries like India. Even with all the sensible precautions it is almost impossible to guard fully against this type of illness.

SOURCE : Expat Health Org