Overseas Medical Insurance

2007-03-08 10:33:40

( Health )



Overseas medical insurance keeps you from worrying about health concerns when you are in different countries. It covers your medical expenses whenever you are traveling.

Getting an overseas medical insurance is important for people who are working or living abroad for a certain period. When you get sick abroad, you won’t have to worry about medical expenses because the overseas medical insurance covers it for you.

The overseas medical insurance provides extensive medical coverage. It covers most hospital expenses prescribed by your doctor. It also covers charges from the use of medical facilities like laboratory and diagnostic devices.

Travel insurance also provides coverage for other medical emergencies such as accidental death and dismemberment and emergency medical evacuation. If you need a family member to visit you in the hospital, the overseas medical insurance covers the transportation expenses. If you are with a minor during your hospital confinement, the medical insurance will provide the minor’s transportation back home to a primary guardian.

There are other travel coverage that includes trip interruption, lost luggage, and more. There are certain limitations for the travel medical insurance coverage. The amount the insurance companies will cover depends on the amount you insure. If you need more coverage, you can talk to your insurer for further details.

There are also exceptions to international travel medical insurance. Certain conditions like mental health disorder, vision and hearing concerns are not covered by the medical insurance. Self inflicted injuries and those caused by extreme sports are excluded from the medical insurance policy. If you have injuries because you are under the influence of alcohol or drugs, the medical insurance will only cover the injury treatment and not treat you for substance abuse. Travel medical insurance is not concerned with the rehabilitation and therapy expenses. Injuries caused by terrorism are excluded from the medical insurance.


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