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How Travelers Health Insurance Can Protect You Overseas
hen you’re planning your through a foreign health care
vacation overseas you system in case of emergency.
look forward to sunny
skies, romantic nights, and However, this benefit may not be
spectacular sights. What you available to you if your group
don’t look forward to is the insurance requires you to seek
possibility of becoming ill or treatment from a specific
injured during your trip, but it provider network. Most HMO and
happens. managed care plans restrict their
coverage to a specific service
If your regular group health area.
policy doesn’t cover your medical
expenses overseas, they won’t be If you're covered by a smaller
much help if you have a medical group insurance company they may
emergency on your trip. accept claims from doctors or
Fortunately, many travelers’ hospitals in other countries, but
insurance companies now offer you may want to give them a call
medical coverage during your trip to see if their customer service
anywhere in the world, at an staff is familiar with foreign
affordable price. health care systems, and if the
company has developed long-term
Before searching for a new relationships with hospital
policy, check with your current systems outside the US. If not,
health insurance company. Many they may not be able to help you
large carriers, such as the find care in an emergency.
BlueCross BlueShield association
members, offer coverage for Many Medicare supplements also
foreign claims, and also have exclude claims from foreign
customer service departments that countries, as does Medicare
are trained to help you navigate itself.
For peace of mind, you will want - Arrange and pay for emergency
a temporary travelers health evacuation to the nearest
insurance policy if your own hospital in case of accident or
group plan does not cover medical illness.
costs overseas. When searching
for your new policy, make sure - Reimburse you for
you read the contract to find out non-refundable costs if your trip
if the policy covers pre-existing is cancelled due to illness.
conditions, medical evacuation,
and emergency travel services. - Help you find lost luggage.
Your travelers' medical insurance - Schedule an appointment with a
carrier's customer service qualified English-speaking
representatives will be your physician in the city you’re
first resource in case of visiting.
emergency overseas. Some
companies go far beyond paying The services offered, and the
medical claims and help you to: premiums charged will vary
greatly between insurance
- Find a new flight in case your companies and between policies.
scheduled flight was cancelled. The premiums will go up as the
benefits increase and the
- Help you fill an emergency deductible goes down, so careful
prescription if your medication shopping is important. For
is lost or stolen. instance, you will want to be
careful to choose a policy that
- Get you emergency cash if your covers pre-existing conditions if
wallet is stolen, and help you you have a chronic illness, such
replace a stolen passport. as diabetes, that may cause you
to seek medical attention on your will cover your medical expenses
trip. overseas. If not, a good
travelers’ health insurance
Before leaving home, be sure to policy will give you peace of
find out if your group policy mind on your next vacation.
About the Author:
Learn more about travelers' health insurance, global medical insurance and expatriates' health insurance, at http://www.worldwide-health-insurance.com
Read more articles by: JL Good
Article Source: www.iSnare.com |
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