INTERNATIONAL MEDICAL INSURANCE TYPES
Individuals seeking for an international insurance plan for a short period of time can buy a short term international insurance plan. These medical insurance plans for international travel is 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 overseas for work.
The international 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.
The short term international insurance 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 admission would not be covered under the international insurance plan. In addition, these short term plans do not cover vaccination, dental care, diagnostic tests and routine check-ups.
The short term international travel health 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 international travel medical insurance coverage for more than a year, long term insurance plans are more appropriate.
Long term international insurance plans offer coverage for more than a year and the premium rates of these health insurance plans is calculated based on the services for which coverage is required. The long term international insurance plans is generally renewed on a annual basis.
Long term international insurance coverage is designed for overseas travelers, marine crew workers, missionaries, professionals, expatriates and other executives who are planning a trip overseas 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 insurance plans offer coverage benefits across all countries in the world. Coverage is also available in the home country unlike short term international health insurance policies which provide only limited benefits in the native country.
Individuals can choose from two types of benefits in the international insurance - Fixed and comprehensive benefits. Coverage is different for both the benefits and range from various services including Depending on the plan you choose you can avail coverage for various medical expenses which include preventive care (after a waiting period), doctor consultation, hospitalization, surgeries, maternity coverage, emergency evacuation, medical assistance or Repatriation.
