International Health Insurance for Travelers
International health insurance helps in situations as – For people who like exploring far off places, international travel is a real delight. But during these enjoyable trips, the carefree traveler becomes very casual & forgets to protect himself. When on a trip, a person can lose his baggage, maybe has to cancel his further trip, or face a medical emergency.International Travel health Insurance comes in here to help. Thus even for short trips, its best to have international health insurance. Credit card usage to book tickets may help against stolen baggage, but inability to afford medical treatment abroad is avoided by insurance.
The Need for International Health Insurance
Sudden Medical Expenditure: Costs of visiting a doctor in case of an accident, cost of buying a prescribed drug, and other such medical emergencies are generally covered under the international health insurance plans. In US these plans are provided to travelers below the age of 75. Added premium extends the cover to spouses and eligible dependents. Some plans even cover if the person cuts short his trip and returns home. These kinds of plans work great for people with flexible itinerary.
Additional Coverage: Complications leading to emergency evacuations, death or dismemberment, rehab coverage, costs of home nursing or ambulance facility are also covered under international health insurance for extra premium. Generally worldwide plans take lower premium as compared to US centric plans. People visiting third world nations need emergency evacuation facility. Since proper medical care may be difficult there.
Pharmacy Coverage: Cost of getting prescribed drugs can also be covered by insurance on a higher premium. This helps in a worry free mind when coming to purchasing drugs overseas, knowing he can afford them. This is anyways destination dependent. For people coming to US, it is very necessary as medication here is costly. Also for US travelers going off to countries where healthcare is a government concern, this coverage may not be required as all medicines will be available at a controlled rate.
Pre-Existing Conditions: If a person has a pre-existing health condition, he should apply for a group insurance policy if he was refused coverage under an individual health insurance plan. Exclusion period for such cases is generally 6 months. During this period, the person is not provided coverage.
Maternity Coverage: This comes in for the expecting mothers who want to give birth to children in another country. Normally in such cases, a woman has to wait for 10-12 months before claiming coverage. That means, she should not be pregnant at the time she is upgrading her policy to include maternity coverage. Premium is subject to the age of the expectant mother. Medical complications lead to higher premium.
Other than those mentioned above, international health insurance plans can cover a lot of other medical services. More coverage means higher premium. International health insurance is very crucial, especially to those who travel frequently to countries where healthcare is privatized. Government controlled healthcare lets the cost of medical services be much cheaper. Thus when travelling to such countries, a minimal coverage insurance police will hold good.
Sudden Medical Expenditure: Costs of visiting a doctor in case of an accident, cost of buying a prescribed drug, and other such medical emergencies are generally covered under the international health insurance plans. In US these plans are provided to travelers below the age of 75. Added premium extends the cover to spouses and eligible dependents. Some plans even cover if the person cuts short his trip and returns home. These kinds of plans work great for people with flexible itinerary.
Additional Coverage: Complications leading to emergency evacuations, death or dismemberment, rehab coverage, costs of home nursing or ambulance facility are also covered under international health insurance for extra premium. Generally worldwide plans take lower premium as compared to US centric plans. People visiting third world nations need emergency evacuation facility. Since proper medical care may be difficult there.
Pharmacy Coverage: Cost of getting prescribed drugs can also be covered by insurance on a higher premium. This helps in a worry free mind when coming to purchasing drugs overseas, knowing he can afford them. This is anyways destination dependent. For people coming to US, it is very necessary as medication here is costly. Also for US travelers going off to countries where healthcare is a government concern, this coverage may not be required as all medicines will be available at a controlled rate.
Pre-Existing Conditions: If a person has a pre-existing health condition, he should apply for a group insurance policy if he was refused coverage under an individual health insurance plan. Exclusion period for such cases is generally 6 months. During this period, the person is not provided coverage.
Maternity Coverage: This comes in for the expecting mothers who want to give birth to children in another country. Normally in such cases, a woman has to wait for 10-12 months before claiming coverage. That means, she should not be pregnant at the time she is upgrading her policy to include maternity coverage. Premium is subject to the age of the expectant mother. Medical complications lead to higher premium.
Other than those mentioned above, international health insurance plans can cover a lot of other medical services. More coverage means higher premium. International health insurance is very crucial, especially to those who travel frequently to countries where healthcare is privatized. Government controlled healthcare lets the cost of medical services be much cheaper. Thus when travelling to such countries, a minimal coverage insurance police will hold good.
Tidak ada komentar:
Posting Komentar