Medical travel insurance is the most essential part of any travel insurance. Traveling abroad can be an exciting experience. However, the new climatic conditions could make you fall ill. The unpredictability of a new place may even result in injuries and absence of financial support for medical coverage will make matters worse.
The expenses involved in medical treatment in a foreign land, such as in the case of an air ambulance, could overwhelm an average traveler. Medical travel insurance ensures that your medical needs are met without any problems. They evaluate your situation and make payments to the medical facilities. Even in the absence of their direct affiliation with the medical facilities, they reimburse you once you produce the receipts.
Medical Travel Insurance Coverage
Medical travel insurance covers the hospital and doctor’s bills. Additionally, it covers expenses such as vehicle services or travel cost of your family member to be at your bedside. The various areas of coverage include:
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Traveler’s emergency treatment for illness or injury
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Dental or surgical treatment after an accident
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Rehabilitative treatment
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Regular provision of treatment, supplies and services
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Prescription medication
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Sturdy medical equipment
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Treatment/surgery cost of a physician
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Hospitalization
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Nursing services
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Laboratory and diagnostic testing
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X-rays
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Chemotherapy and other radiation techniques
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Surgery and anesthetics
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Even transplants of organs are covered, although they are limited to a few certified transplant facilities.
Repatriation and Medical Travel Insurance
As repatriation is done via air in emergencies, it is the most expensive part of the coverage. The facilities include:
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Ambulance service: This includes ground as well as air ambulances for returning home
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Paramedical services
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Return or the repatriation of a deceased policyholder
Add-ons: Medical Travel Insurance
Depending on the duration of the insurance, a traveler can add the following elements as well to his medical travel insurance:
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Maternity: This will include normal and caesarean delivery, pre and post natal care, and baby care and treatment for a specific number of days.
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Children: Babies can be added by notifying the insurers. Children up to 18 years of age can be covered under this add-on policy.
There are other add-ons as well that can be easily identified by reading in detail about medical travel insurance.