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Travel medical insurance makes sense if you frequently go out of country. It is also called as International Medical Insurance. Your trip can be recreational, for business purposes or for any other reason.
Just as you are susceptible to fall ill in your home country, you are equally susceptible in any foreign land, sometimes even more. But your insurance plan will not cover much of the expenses incurred outside your home country.
Travel Medical Insurance reimburses you for emergency medical expenses incurred when you are traveling or living in a foreign country.
- Most insurance firms cover major medical expenses such as emergency surgery and extended hospital stays.
- Most plans have a knack in that they require pre-certification by the insurer stating the reason and the extent of medical illness before getting admitted to hospital abroad.
- Some insurance companies give direct and guaranteed hospital admission to the insured so that he/she does not have to face hassles in a foreign hospital.
- A few insurance firms provide cash payment against hospital bills and admission charges.
- The insured can also claim for reimbursement of expenses related to medical treatment.
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