OVERVIEW OF INTERNATIONAL MEDICAL INSURANCE POLICIES October 10, 2009
Posted by janey in : health and vaccinations , comments closedInternational travel always includes traveling and also numerous of formalities. Every person who is planning to travel abroad should buy an international health insurance prior to traveling abroad. Usually international insurance provides various benefits which include covering costs for international travel, temporary overseas stay and long periods of stay at abroad.
International insurance also includes features to help its customers such as providing a facility to converse with English speaking providers and also translation services.
Short term international travel health insurance can also be purchased by travelers and it covers all expenses suffered due to injuries or illnesses in a foreign country. The Short term International Health Insurance can be bought for a maximum time frame of 3 years. It provides very few benefits if used in the native country itself.
People who desire to travel abroad for a short span of time should consider purchasing this plan. This plan can be bought for a minimum time frame of 5 days and can be extended till a maximum time period of 36 months. There are several aspects such as preventive care and pre-existing conditions that are not included under this plan.
Long term international insurance offers a lot benefits when utilized in both native as well as foreign countries. People who keep traveling abroad on a frequent basis such as expatriates, missionaries, executives and marine crew can greatly benefit from this plan.
The coverage provided under this plan is for a time period of one year and anyone who desires to purchase this plan has to submit applications and a health questionnaire before buying this plan. Long term international insurance plan covers various aspects such as illnesses, injuries, maternity, pre-existing conditions and preventive care.
All the forms that have to be submitted with regard to international insurance can be found online along with all the required information about short term and long term international insurance plans.
We can go through all the available information and then depending on our requirements, chose a suitable plan. Plans can be purchased by e-mail, fax or phone. All the policies and necessary documents are immediately sent to us by post or e-mail as soon as we enroll for the plans.
VISITOR CARE INSURANCE FOR BASIC MEDICAL CARE ABROAD September 30, 2009
Posted by janey in : health and vaccinations , comments closedFor basic short-term international coverage, visitors care insurance offers a plethora of options. With maximum benefits ranging from $25,000 to $100,000, and the deductibles from zero to $100, there are nine visitor care insurance plan options for applicants to choose from.
The duration of the visitor insurance plan can be as short as five days, and as long as 12 months. If additional coverage is needed, the plan allows extension for another 12 months; however, this will be under a new policy.
Some features are common to all visitor insurance policies. These include emergency medical evacuation, accident death benefit in case of common carrier travel, repatriation of remains (in case of death), and coverage in the home country for in-between trips home.
All visitors insurance plans cover similar medical expenses. The difference is in the maximum benefit for each. Typically, charges related to ambulance and emergency services, doctor consults and visits, surgery, tests, prescription drugs, nursing, and physiotherapy are covered by all the plans. Damage to the natural teeth also nets coverage in the visitors care insurance plan.
Benefits under Visitors Care are not just capped by the maximum benefit chosen, but also depend on the limits set for each benefit. The plan holder must pay the amount that exceeds the specified maximum for that benefit.
Common coverage in visitor insurance policies include medical treatment of conditions or sickness suffered or first detected during the plan period. Also, some situations such as pre-existing illnesses, wellness visits, and pregnancy-related treatment, are usually exempt from coverage.
It is often easier to use a provider within the preferred provider network because the Preferred Provider Organization (PPO) may be able to directly work with the policy. This means that no cash is required during billing. However, it is not required to seek medical care within the preferred provider network. The PPO links to a list of relevant providers in the United States, and for international travel, the insured can access the visitors care insurance online list of health care providers. For emergencies, travel-related aid is available 24/7.
visitor insurance policies are underwritten by reputed insurance firms. The underwriters for Visitors Care insurance are Sirius International Insurance Corporation (publ). A.M. Best rates the company A (excellent) and S&P rates the company A-.