Individuals seeking for an international travel medical insurance plan for a short period of time can purchase a short term international health insurance plan. These plans are designed for people who are traveling outside their home country for a duration of less than a year. These health insurance plans are also suitable for overseas vacationers, executives and missionaries who are traveling abroad for work.
The international health insurance coverage benefit of the short term plans is available for people of all age groups though maximum medical coverage benefits can be enjoyed by people who are typically less than 70 years old. Individuals can also cover their spouse and dependent children.
These plans offer medical coverage benefits for injuries and illness that may require doctor consultation, hospitalization, surgeries and also emergency repatriation. Pre-existing medical conditions that already exist at the time of enrollment would not be covered under the short term insurance plan. In addition, these plans do not cover vaccination, dental care, diagnostic tests and routine check-ups.
The short term international insurance plan is valid right from 5 days up to a period of 1 year. You can renew these plans for a consecutive period of 36 months. For individuals seeking coverage for more than a year, long term insurance plans are more suitable.
Long term international medical insurance plans are suited for coverage of more than one year and the premium rates vary depending on the services for which you seek coverage. These plans can be renewed on an annual basis.
Long term plan is designed for overseas travelers, marine crew workers, missionaries, professionals, expatriates and other executives who are planning a trip abroad for more than a year for personal or professional purposes and may come back to their homeland multiple times in a year.
The long term international health insurance plans offer worldwide coverage across all countries in the globe. These global health plans offer coverage for individuals even in their native country as against short term insurance policies which offer only limited coverage in the homeland.
International travel insurance plans offers two broad categories of benefits depending on the type of coverage it offers – Fixed and comprehensive benefits. Depending on the plan you choose you can avail coverage for various medical expenses which include hospitalization, preventive care (after a waiting period), maternity coverage, doctor consultation, surgeries, emergency medical assistance or evacuation and Repatriation.
Ray Sondeo often writes about international insurance.
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