International Health and Medical Insurance

By: EconomyWatch   Date: 26 May 2010

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International health insurance provides worldwide coverage for individuals and families living abroad, 24 hours a day and beyond geographical boundaries. In most cases, protection is available without any additional underwriting and provides an accidental death and dismemberment benefit.

International Health Insurance: A Mandatory Requirement

Being a global citizen can be exciting; but while living abroad or maintaining residences in various countries, health care should not be one of the concerns. Traditional home country private health insurance will not meet one's needs beyond geographical frontiers. However, international medical insurance is specifically designed to meet this particular requirement. Such insurance protects individuals and families from extravagant medical expenses. International health insurance is also handy if one loses one's luggage or requires emergency evacuation.

International Health Insurance: Options

A global person has a variety of international medical insurance options and s/he can choose one appropriate to his/her needs. For example, a U.S. citizen living abroad can choose medical coverage worldwide or worldwide excluding the U.S. and Canada. S/he may also wish to share some risk, in which case the cost of insurance is lowered. There are plans for international senior citizens as well.

International Health Insurance: Applicable Exclusions

There are, however, some international health insurance providers that exclude the following treatments/circumstances from coverage:

  • Charges that were not incurred during certificate period
  • Self inflicted harm
  • Weight modification
  • Substance abuse
  • HIV+ at effective date.
  • Sexual dysfunction
  • Speech or sleep therapy
  • Acupuncture

International medical insurance from a quality service provider gives you access to the latest health benefits as well as peace of mind while abroad.


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