Can I receive medical benefits abroad?
People in the process of moving to another country or planning to stay there for at least several months, should look into the medical benefits provided by that country. Before you pack and move, it is vital you assess what medical benefits that country will provide should you fall ill or suffer injury.
Do your research!
In the event that you fall sick or suffer injury in another country, you could well end up having to pay hefty medical fees for treatment if you do not have the appropriate healthcare coverage. This is especially important for people with pre-existing conditions which they could require treatment for later on. Remember that treatments abroad for certain medical issues may be significantly more costly than they are in your home country. Understanding and assessing the medical benefits you will be applicable for should be a high priority before you before you travel abroad.
How can you receive medical benefits abroad?
healthcare coverage differs from country to country so make sure you you’ve done your research beforehand. You will likely be applicable for medical benefits if you intend to live in the country permanently. However, whether you are residing their permanently or plan to have a short stay, one thing that can guarantee you lower costs for hospital visits is travel insurance.
Benefits of obtaining travel & International healthcare insurance
You can select international healthcare insurance provided by your healthcare provider or choose travel insurance. Both provide you with sufficient medical benefits abroad along with other services such as medical transfer, in case you sustain a life threatening injury or contract a deadly illness. Medical transfer will fly you back to your home country for further treatment, should the required level of treatment not exist in that particular country.
Emergency evacuation out of the country may sound like a dramatic option, but one that you should always consider obtaining. This option will be useful when your new host country is unable to provide you with the level of care and expertise that your home country can.
Between the two, expats should choose an insurance option depending on their stay. If they are staying in another country for several years, they should get international healthcare insurance. If they are visiting the country for a few months, they should get travel insurance.
Do countries provide medical benefits?
Some countries do provide medical benefits to expats, but only if they reside in the country legally. If the country neglects to provide any medical benefits, expats should look into getting some type of insurance to cover them. More importantly, many foreign nations will probably offer healthcare insurance plans specifically meant for expats to use.
Finding the right healthcare insurance provider
The most effective way to find the right healthcare insurance provider is to look up an agent residing in the host country. Make sure the agent represents several companies and can provide you with detailed information on the medical benefits offered by that country, as well as any medical plans for foreigners, as different insurance plans may be suitable for your specific health needs. Some of things you should consider after the agent presents you with a plan are:
- Cost - You need to consider lower premiums, hidden costs, and cost to benefit ratio
- Coverage Area- The areas the plan will cover. For instance, does it cover areas outside of your destination, that you plan on visiting?
- Plan Features- Ensure you comprehend all the details of your insurance coverage. Does the policy cover the return of remains to your home country in the event you pass away? A bit of sobering thought, but one you should certainly consider.
- Payment- You may need to pay the fees up front and file for compensation later.
- People need to read the entire healthcare insurance policy from top to bottom so they know exactly what they are signing up to receive.