How Does International Health Insurance Work?
International Health Insurance Explained
An international health insurance plan provides coverage for both routine and emergency medical care while living abroad for an extended period. These policies ensure quick access to top-quality healthcare services in your country of residence.
Typically, international health insurance covers the following aspects:
●Treatment costs for acute medical conditions for which you had to be hospitalised (applicable for both day patients and inpatients)
●Emergency medical costs if a family member needs to be hospitalised whilst abroad
●Expenses related to treatment of cancer
●Costs for MRI, PET and CT scans
●Emergency dental treatment costs that require hospitalisation
●Repatriation expenses
Several other levels of coverage can also be provided depending on the international medical insurance package you choose. So, make sure to properly go through the plan details before finalising an offer.
Who Should Opt for International Health Insurance?
An International Mediclaim policy can be useful to you if you are:
●A seasonal worker
●A freelancer who works from various locations abroad
●A contracted employee who works for a definite period abroad, generally extending a time frame for more than 1 year
When you fall under any of the aforesaid categories, you can purchase an international health insurance plan. It helps secure timely medical assistance for yourself and your loved ones while you are busy working away from home.
How Much Do You Have to Pay for International Medical Insurance?
The premium of your international insurance depends on multiple factors. Primarily, the country you are willing to relocate to plays a vital part. Other than this, your health insurer considers the following things while deciding the premium:
●Age of the Beneficiaries
As with any type of medical insurance policy, the premium starts getting higher the older the beneficiaries are.
●Medical History
Some international healthcare insurance companies offer financial support for their customers' pre-existing diseases. But for that, they ask for detailed medical reports and want to see your past claim records. Also, it results in a higher premium amount.
●Level of Cover
The more add-ons you put in your health insurance plan, the more premium you will be required to pay. To save on this part, you can explore the Star Travel Protect Policy or other related international health insurance plans on our website. These plans are mindfully curated to address the major inconveniences that one may face while claiming their health insurance sum abroad.