Benefits of International Health Insurance


International health plan is widely chosen cover that almost all the travelers pick up before planning their trip any further. There are many benefits of having an international health insurance cover. The first being that you are not in your native land, thus the hospital policies, seeking medical attention and the problem of foreign language may render you incapable to get an effective medical treatment abroad. Secondly, we are all insured in our native lands, so medical expenses are well taken care of. It is common knowledge that outside of India, the medical expenses are extremely high. A visit to the doctor, conducting medical tests and the medications alone can be almost the same as your travel budget. Such expenditures are unaffordable and ruin the trip down to the last detail. Under a health cover in overseas travel insurance, all this is taken care of. Quality health insurance while travelling outside is of extreme importance. You can either go for an individual insurance, or take a complete family cover. May it be an abroad visit for business, or a vacation, health insurance companies are well connected with hospitals around the world and will provide to you immediate medical attention.

Health insurance can start with a fixed tenure, however is renewable for life. International health plan’s cover also includes insurance of the students who go out of the country for higher studies. The level of covers usually begins from 1lac US dollars and goes up to 5lac dollars. Global international covers can be purchased too. However, they exclude USA, Europe and Canada, for which separate covers need to be taken. This health insurance cover is a complete cover that offers free coverage throughout the world and is deductible. Deductible is the premium that is paid before the coverage policy begins. In case you are outside your home country and the health treatment that is required is not available at that certain location, then a medical evacuation clause is offered as well.

Under this, all medical expenses that will be needed to transport the patient from one location to the other, where the treatment is available is covered under the international health plan’s cover. To make the execution of all these clauses easier and without trouble, a 24line helpline is offered to those who are covered under this policy. They can directly contact this helpline, which is in operation all 365 days of the year to seek advice and help in medical evacuation. This is also necessary as being international may mean that foreign language is a problem. All you need to do is quote your policy number and identity, along with the problem, and immediate help will be provided for the same.