Most of us are concerned about our health and get our health insurances. So what happens we move or travel abroad, do we need a new health insurance from the country we are going to, or can we use the health insurance we already have from another company. We have many questions based on this; in this post, you can find the answers to those questions.
First of all, let’s understand what health insurance means. Health Insurance is Insurance Company which pays for your medical bills which are subjected to certain terms and conditions. Medical bill sometimes can be a lot. For someone who cannot arrange huge sum of money at the last minute, insurance companies come to aid to pay their medical bills. The bill amount coverage depends on the terms and conditions of that insurance company.
Before you travel abroad, you need to contact your health insurance company and go through the policy that the insurance company provides. Either the same insurance can be used while you are in another country or do you have to pay additional and get new ones there. Different companies have different terms and conditions to avail their insurance. You must make sure that you are aware of the requirements. Most of the insurances depend on what foreign country you are in, what is your age is, what kind of medical aid you need, if it is an accident or any emergency or if it is any other medical claims.
Some insurance companies allow you to use the same insurance you have, but you need to pay the cash to the local medical center and later get that money reimbursed when you go back to your country. While some countries have a mutual understanding where, if a citizen from their country goes to another country and are in need to pay medical bills, then they can claim their insurance and likewise if someone forms the other country comes to their country, they can also use the insurance of that country.
It is advisable to get private insurance for those who are looking for guaranteed care. The national insurance of the country may not be very standard in other nations. Private treatment can often be expensive but provide you excellent quality of health care and offer treatment and facilities which you will not be able to get at a national hospital. It is also essential to check what vaccinations you require before you travel. It will depend on some factors including the exact place you are visiting, the time of the year which you are going, what the surrounding area is like urban or rural, how long you intend on staying there, your current age and health.
If you are not so sure if your health insurance covers your medical bills abroad even after reading the terms and policies or if you are not satisfied with insurance coverage your company provides then you can plan to get a travel insurance which covers your ticket cancellations, medical bills, baggage protection, etc.