Traveling Abroad with Insurance
With a travel medical plan, the focus is on emergency medical and evacuation costs. Travel health insurance plans are priced based on age, trip length, and coverage amount. It is a very economical way to get emergency medical coverage abroad, it usually adds up to a few dollars per day. If you are abroad and have an accident or become ill, it would cover medical costs for you. Travel health insurance includes
Emergency dental treatment and emergency transportation (ambulance, air lift) services.
Emergency medical evacuations will get you out of a remote area and transported to a place where you can receive proper medical care.
Accidental Death and Dismemberment (AD&D) and/or term life benefits which are paid regardless of any coverage you may have back home for a covered injury.
KEY THINGS TO KEEP IN MIND BEFORE PLANNING A TRIP AND OPTING FOR A MEDICAL PLAN :
1. Existing medical conditions
Are my prescription medicines legal in the country I’m going to? Are there any special rules when entering with medication? Or does the medication have a different brand name in that country?
A pre-existing medical condition is the most common reason for giving importance to medical treatment while travelling abroad. With conditions such as diabetes or high blood pressure and more have become increasingly common, many of the travellers will need to carry some kind of medication. Therefore, it’s very important to know what medications may and may not be taken into their destination country.
2. The destination covered by the policy
Does the policy include the country you are going to?So many policies floating around have different inclusions and exclusions.
While the most comprehensive offer ‘universal cover’ or ‘worldwide plus the USA cover, the most basic will usually provide cover in the Middle East and Africa, where healthcare is of a similar cost. Other policies typically offer ‘worldwide cover, excluding the USA’. In certain cases where there are geographical exclusions, few special policies often cover emergencies in the case of an accident.
3. What exactly is covered?
If you have an emergency while travelling, what are you entitled to claim for? You might happen to encounter any unforeseen eventuality. Its important to understand and check whether or not there is equipped medical facility to provide the treatment you need or a hospital coverage under your travel health insurance policy
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