International Medical Insurance

Most people don't think about health insurance when traveling abroad until there is an emergency. They arrive at the hospital to discover something frightening--their health insurance will not cover all of their medical bills. Language barriers and differences in culture make the problem worse. Lack of insurance in a foreign country can jeopardize not only a bank account, but a person’s life. While some traditional insurance companies cover international healthcare, others exclude some of these expenses. Purchasing an international medical insurance policy before the departure date will prevent the above tragedy.

What Is International Medical Insurance?

International medical insurance is very much like any traditional health insurance; however, the benefits follow a person everywhere they travel outside their home country. It is a truly portable plan. In addition to the normal hospitalization, prescription, and emergency coverage, many international health insurance plans also offer medical evacuation coverage--which is essential when stranded in a country with limited medical care.

Differences Between Traditional and International Medical Insurance

Traditional insurance may exclude some medical expenses in foreign countries. International policies limit coverage in the home country. Most international companies also have medical evacuation coverage and act as an intermediary between doctors and patients. Sometimes payment is disbursed in local currency cutting out a lot of red tape and easing the bureaucratic nightmare.

Who Needs International Medical Insurance?

From expatriates working around the world, oil company employees in the Middle Eastern desert, to those brave sea fishermen, an international plan provides primary health benefits and peace of mind. The vacationer visiting abroad for a few weeks may need temporary coverage--either to replace their regular plan while out of the country, or to supplement expenses their primary company will not pay. Relatively inexpensive, these policies are well worth the extra money to ensure the broadest possible protection. Before taking off for that dream destination, it is very important for the traveler to check with his or her insurance company about international health benefits.