Medical Travel Insurance

Most medical travel Insurance policies are international policies. Some are offered as a separate package as the European Union and United States have made it mandatory for all travelers to their states to be covered for any medical eventuality. Many domestic travelers go abroad only to learn disturbing facts of their health insurance policy.

• Most of the health plans usually do not cover medical expenses incurred abroad.
• In case your health plan has a 'floating', which offers health care abroad you are lucky but in most cases the cover is less.
• In case you do not have a health care policy then medical travel insurance is an option to be safe.

What is Covered

• Illness or injury suffered on the trip,
• Transportation to a hospital in an ambulance.
• Doctors fees, hospital payments
• Cost for a group/family member to stay with the injured in case of hospitalization.
• Dental expenses
• Death benefits
• The insurance may also cover a flight home.

What is not Covered

• In case of the crash of the airline then accidental death and dismemberment is offered as an additional policy which compensates the loss as well as repatriates the remains
• In case of an accident and the place is in a remote location then a separate policy; emergency evacuation, covers air ambulance rescue from a remote location. Air ambulance is also used in transport from one hospital to another for specialty treatment in case of emergencies.
• Medical translation services and global health network.
• Pre-existing Conditions is any prior medical documented sickness for which the person has already been treated or received medical advice on. In case travel makes the insured turn worse/require medical attention then the normal medical travel insurance policy will not cover the person. He/she will have to take a pre-existing medical insurance policy which has a clause that the insured must be medically stable i.e. they should have a look back period (60/90/120 days) during which adjustments or changes in the prescriptions have not taken place. The Insurer will not pay for claims arising from an injury or sickness that is due to the neglect of not informing them or which does not pertain to conditions given.

Exclusions are a part of most insurance policies so please read the policy statement that gives certain conditions to be met for a claim to be made. The list of exclusions will give you exactly what is not covered by the policy.

Typical coverage always differs with each insurance company with attractive inclusions and exclusions. So please read the policy statements of instant cover travel insurance carefully.