Travel health insurance, is designed to financially protect you if you have experienced an unexpected sickness or injury. If you have become injured or if you feel unhealthy in some way, seeking medical consultation and/or treatment, should be covered expenses under any travel health insurance policy.
Depending on your country of residence/ and or citizenship, different policy options are available to you.
- Is the policy ‘Emergency Based Only'
- if so, after an initial hospitalization or treatment (and your health condition is deemed stable), any ongoing costs, tests or treatment, is usually NOT covered by this plan type.
- Would you want a policy that offers ongoing treatment after the initial ‘emergency’ phase is over? If so, consider an ‘expatriate’ policy.
- Does the policy provide for outpatient prescription medication?
- Are any regular non-emergency visits covered…is this important to you?
- What is the policy deductible? (The portion you as a policyholder must pay first, before the policy covers any further eligible expenses).
- Is there a plan co-insurance clause? Must you pay for example, 20% of all costs?
- Can the policy be extended – and if so, for how long, and what is the process?
- Will you be declaring non-residency to save $$$ in taxes? (If so, consider possibly an ‘expatriate’ policy).
- Is any ‘Return to Home Country’ coverage provided after you return home or if you come back for a brief holiday?
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