If you are about to travel overseas, it is important that you get your healthcare needs covered. The climatic conditions abroad could be different and experts opine that around 15% travellers develop medical problems. Today it could be possible to cover overseas medical emergencies at affordable price rates. But there are certain things which you need to consider before you start exploring your options. Such a prerogative might help you to make an informed decision on your overseas health insurance purchase.
Here are few factors that you can take into account prior to buying overseas healthcare insurance.
- Check your current health insurance plan to ascertain whether overseas medical emergencies are adequately covered. With most plans, coverage will be limited but plans like Medicare Advantage and Medigap may provide medical emergency healthcare coverage worldwide.
- If you observe certain gaps in your existing health insurance policy then you can think of buying international supplemental or gap health insurance plan to plug the holes in your current coverage. It will invariably help in securing financial protection once the primary coverage gets exhausted.
- Majority of the travel or overseas health insurance policies do not offer coverage for illnesses or diseases resulting from any pre-existing medical conditions. But you may have the option to buy a waiver for such exclusion and it could be better if you get your prescription medicines changed prior to 180 days of your travelling overseas.
- Extensive shopping and comparison of multiple free quotes offered by several different top rated insurers is key for finding the best as well as the cheapest overseas health insurance solution. As the task can be exhaustive, you can seek specialist help to make the process stress-free.
- Despite your having regular U.S. health insurance and supplemental health insurance, hospitals overseas will require you to pay bills in cash should you fall ill or suffer from an accident. So, you must be ready for paying charges for medical care services upfront.
- Not all travel destinations across the globe have hospitals and doctors which are up to standards. If you travelling to some developing countries, it is better if you buy medical evacuation insurance as it will help in paying costs for ambulance services or air ambulances.
- If some unfortunate thing happens with you while on overseas travel and you require urgent medical attention, you must first contact the nearby U.S. embassy in that country. Agencies such as The International Society of Travel Medicine and the International Association for Medical Assistance to Travellers (IAMAT) can assist you in finding local doctors, hospitals, clinics or medical services.