When it comes to healthcare, traveling and living abroad can be a bit tricky. While many countries offer affordable healthcare services, some countries may not have adequate healthcare facilities or charge exorbitant prices for their services. As such, it’s essential to have international healthcare insurance so you can get the best medical attention in case of illness or injury, without draining your finances. In this article, we’re going to take a look at the best international healthcare insurance providers that can give you peace of mind during your travels abroad.
What is International Healthcare Insurance?
International healthcare insurance covers medical expenses that you may incur while you are traveling or living abroad. It normally covers hospitalization, emergency, and outpatient care. It is particularly important to have international healthcare insurance if you are living or traveling in a country where medical costs are high.
What Does International Healthcare Insurance Cover?
The coverage of international healthcare insurance varies with insurers, but some of the typical services included are:
Coverages |
Description |
Emergency medical expenses |
Covers any medical expenses for illnesses or injuries that require emergency treatment |
Outpatient care |
Covers charges for specialist consultations, tests, and other visits where necessary |
Hospitalization |
Covers costs for inpatient care, including accommodation, nursing, and medical supplies |
Prescription medicines |
Includes the costs of any prescription medication that may be needed while abroad |
The Best International Healthcare Insurance Providers
1. Cigna Global
Cigna Global is a reputable international healthcare insurance provider that offers comprehensive medical coverage in various countries. The company offers five levels of coverage, which include:
- Bronze
- Silver
- Gold
- Platinum
- Diamond
Each level of coverage comes with different annual benefit limits, which range from €1 million to €5 million. Cigna Global also provides coverage for mental health, maternity care, and prescription drugs.
2. GeoBlue
GeoBlue is another renowned international healthcare insurer that offers a range of travel medical insurance plans to suit different traveler’s needs. The company offers both single-trip and annual multi-trip plans, with coverage ranging from $50,000 to $1,000,000. Their plans also cover pre-existing medical conditions, emergency evacuation, and repatriation.
3. Allianz Care
Allianz Care offers international health insurance for individuals, families, and groups. The company offers different levels of coverage that can be tailored to the traveler’s specific needs. The plans come with a range of benefits, including 24/7 medical support, medical evacuation, and mental health cover. They also provide coverage for pre-existing conditions after a waiting period.
FAQs about International Healthcare Insurance
1. Who needs international healthcare insurance?
Anyone traveling or living abroad needs international healthcare insurance. This includes expatriates, students, and vacationers.
2. Why do I need international healthcare insurance?
International healthcare insurance provides you with peace of mind knowing that you are covered in case of any medical emergencies or illnesses while abroad. It also helps you avoid hefty medical bills that you may not be able to afford.
3. How much does international healthcare insurance cost?
The cost of international healthcare insurance varies with insurers and your specific needs. Typically, annual plans can range from $1,000 to $10,000, depending on the level of coverage and benefits.
4. Do I have to pay for my medical treatment upfront?
When you have international healthcare insurance, you may not have to pay out-of-pocket for your medical expenses. However, you may be required to pay upfront and then seek reimbursement from your insurer later.
5. How do I choose the best international healthcare insurance provider?
To select the best international healthcare insurance provider, consider the level of coverage, benefits, costs, network of hospitals and doctors, customer support, and reputation. Ensure that the company provides the coverage you need at a reasonable cost and has a good track record of pay-outs.
Conclusion
Having international healthcare insurance is essential for anyone traveling or living abroad. With the best international healthcare insurance, you can travel and live abroad with peace of mind, knowing that you are covered in case of any medical emergencies or illnesses. Evaluate the providers mentioned in this article and choose the one that works best for you based on your specific needs and budget.
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