Majority of travelers ignore travel health insurance and the possibility of becoming ill or meeting with an accident or suffering from an injury during their vacation. But the possibility remains that there are chances for these unfortunate events to happen.
Travelers find their insurance coverage to be restricted to their home country which stands invalid abroad, or insufficient to meet their insurance needs. For travelers, it is necessary as it bridges the gap between their regular home country health insurance and abroad travel health insurance.
Points to consider while taking travel insurance for health
Often foreign countries charge travelers with the medical services for treating them. And the home policy does not cover foreign countries’ hospital treatments. This mandates travelers to have a travel health insurance in case of any health emergency. The companies cover almost all types of health insurance under a list of hospitals. When they cover such treatment, they compensate the traveler and reimburse the amount to the hospital after the treatment is done. This saves the traveler from spending the amount for his/her treatment in the hospital.
The importance is that as a tourist you might not be carrying enough foreign currency to get treated in the best of hospitals. As the insurance companies have tie ups with hospitals you can get treated without having to think of how much foreign currency you are carrying.
This type of coverage is applicable when a traveler becomes ill or is injured and in a condition which cannot be sufficiently and properly treated in the location abroad. The evacuation or flight coverage will compensate the transportation charges of the traveler to a more well-established medical facility to his own country. This policy is also applicable when natural disasters and political disturbances mandate the traveler to vacate his destination right away. In case the insurance policy doesn’t include evacuation coverage, then the amount has to be paid by the traveler.
This clause is applicable when the traveler becomes seriously ill and needs immediate medical attention. It allows a person of traveler’s choice to accompany him to his/her location, the expense of which is borne by the insurance policy. Additionally, the policy also pays for the return journey of the chosen person to convoy the ill traveler back to his own country along with providing the return ticket.
Long term travel health insurance
Long term travel insurance is also available for people who travel to foreign states for long periods or on a permanent basis. In such a case, the traveler’s policy of home country is expired or cancelled because of the length of time he has been staying abroad. The long term travel insurance for health covers medical costs including hospitalization, recommendations and routine check-ups when the traveler permanently settles in a foreign country to put off medical expenses out of pouch.
Travel health insurance requires the traveler to hold a legal home travel health policy before a travel insurance policy for health is issued. Few policies include trip cancellation and lost luggage. In case of death of the traveler while abroad, the insurance policy covers the return of body of the dead to the home country.