Monday, January 08, 2007

International Medical Insurance

What should your International Medical Insurance cover?

The price of air travel has gone up in recent years but this has not deterred people from flying and visiting other countries. Some of these individuals save money for a year or two and then splurge on that dream vacation.

When people travel abroad, most tourists only carry enough money for food and a little shopping. This may not cover the hospital bills which makes it very important to have some medical coverage.

Some hospitals abroad will not admit the patient unless the tourist is a member of a known insurance provider. Getting this will allow the person to get the best help from doctors in that region that are equipped with state of the art facilities that the country can offer.

The person can also check the United States Department of State, which has a listing of companies that provide international medical insurance and what countries are covered by these plans.

The person can get coverage for one roundtrip and have this renewed for future travels. Those who travel often which is part of the job description can get a package which has longer terms and better benefits.

The best international medical insurance should include the following;

• The treatment of the patient during emergencies and should the person succumb to illness that may happen during the trip.

• Medical evacuation to another country in the event that the facilities are not equipped to handle the situation.

• Trip interruption, which will allow the person to return home immediately should anything happen back home.

• Policies that have deductibles, so that the person can get treatment for free in that country.

The person should not just get the first that comes along the way. The prices and the coverage of these companies are different so it is best to review and compare each. The traveler should remember that maternity, childbirth and vaccinations are rarely covered by such plans.

If the person has recovered from a health condition, the possibility of having that as part of the coverage doesn’t happen often. The traveler should also check if the plan can also be used at home if the individual has been assigned to another country.

Some of these companies have also included medical insurance when the traveler is on board an aircraft or on a cruise ship. This was adopted in 2004 and includes baggage loss, missed connections and terrorism which higher premiums for medical expenses and transport.

Some people think that getting international medical insurance is expensive but this is not true. In the long run, this will save the person money since the person will have to shell out more if the traveler has to be rushed to the hospital for treatment.

The nice thing about international medical insurance compared to those that person can get in the United States is that there are no limitations on who can be covered. This means there is no age limit or other conditions before one can be considered to become a member.

People who love to travel want to have a good time. Though the trip may be cut short due to certain circumstances, the person will be happy to know that the international medical insurance one signed up came through when the individual needed it most.

International health insurance plan

Why you need it and how to get one

An international health insurance plan is a very important insurance plan to get. This is because it involves your number one asset, you’re health. But in getting an international health insurance plan, you must be very careful. There are many dubious insurance companies out there. That is why it is easy to get confused if you are planning to get an international health insurance.

Do not be easily enticed by seemingly nice and cheap deals. You should not scrimp when it comes to your health. You know you deserve the best, so get the best. This article is aimed at helping you get the best international health insurance plan for you.

Here are a few useful tips when shopping for a international health insurance plan.

1. You should look for an insurance company that is responsive & always available. It is very critical that your company responds when you really need assistance. Help should always be close by when an accident happens, when you need claims or emergency service.

2. You should look for an insurance company with good customer service. It is advisable to choose a company with a large network of agencies, claim centers, and helpful employees that are ready to serve you whenever you need them. In such a case, you can be sure that you will be treated fairly and promptly.

3. Choose an insurance company that is financially stable. Ideally, one with a long history of service to boat owners. Companies with a rich history are generally more stable than new ones. A good way to check the financial stability of an insurance company is to do some research. Check out the financial ratings of A.M. Best and Standard & Poor’s for insurance companies.

4. Get an international health insurance plan from a company with a good reputation and high standards.

5. Choose an insurance company with a wide variety of coverage options. This is very important because your needs as a boat owner are very unique. The company’s menu of products should accommodate a circle of protection for your needs both today and tomorrow.

6. Health insurances come in different prices ranging from the affordable to the ridiculously expensive. It is important to understand the policy and service promises behind the price of the international health insurance plan. It’s better to pay for an expensive but good quality international health insurance plan than a cheap one with limited features. It is not advisable to accept low protection just to get a lower price. Make sure that you get the protection you and your health require.

7. Though a international health insurance plan is designed to protect you, it is also advisable to take note of the other coverage options available. An important international health insurance plan option is the medical payment coverage, which can offer medical protection for you.

8. Another option to consider is water liability coverage. There may be instances when you will accidentally injure a person while on water, a passenger, a swimmer or a water skier perhaps. This is where a water-liability coverage comes in handy.

9. Emergency services protection. This type of coverage provides protection of up to $100. Also available is an extra emergency services as an optional coverage for an additional premium.

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