Overseas Health Insurance
Travelling is an experience that
derives both a business purpose and a pleasurable encounter. Discovering the
beauty of other places outside of your own world can also be quite a learning
experience. Yet sometimes, travelling can become such a draining activity, as
some events can happen unexpectedly. Even short trips are not exempt from
unpredictable scenarios or risks that may leave you feeling stressed out. These
risks can become major or minor setbacks which could potentially ruin your
travel plans. One such risk could involve an accident or illness while on
foreign soil. The most important thing for those who travel often is to protect
themselves if and when these setbacks and inconveniences should arise.
Travel health insurance is especially beneficial if you suddenly become ill or
be involved in an accident which may require you to get immediate medical
attention. Health care can be very expensive overseas, and in some places, they
may not even exist and you could be refused medical attention if you don’t pay
money up front. The cost of medically transporting a sick traveller can also be
quite costly, as it normally requires five seats for the ill or the injured to
be booked on a flight back home. Availing of an international travel health
insurance can significantly do away with inconveniences like these.
Travel health insurance covers both short trips and multiple or long term trips,
for individuals or groups. Here is just some of the travel health insurance you
• Single Trip – coverage for this type of international travel health insurance
is between five days to 24 months. This type covers emergency hospitalization,
room and board, ICU admittance, medical expenses, and accidental death benefits.
Payment of premium depends on the number of days of the trip.
• Long Term Travel Health Insurance – this is a type of international health
insurance that should be availed by those who intend to say in a foreign land
for longer periods of time. Long term travel health insurance may be renewable
yearly. It covers the basics, including accidental death benefits.
• Group Travel Health Insurance - this covers travel health insurance for people
travelling in groups, like entertainers, students, missionaries and travel
Depending on the insurance company, some may offer additional benefits like a
terrorism rider or coverage, especially if the one travelling is going to a
place where there is a continuous terrorist threat. Some insurance companies
also provide free coverage for toddlers travelling with an adult.
As there are many insurance companies offering this service and providing all
sorts of features, it would probably be a good idea to draw a list of what you
would actually need in a travel health insurance plan. Pricing and premiums vary
on what type of benefits you should avail or which country you are visiting,
among other factors. The most important thing to remember is that the coverage
you choose should be the type of travel health insurance that will give you the
most comfort and security.
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