Complications Insurance

Medical Travel and Complications Insurance vs. Travel Insurance

Travel Insurance and Medical Travel and Complications Insurance, also known as medical tourism insurance, are significantly different. However, many Americans still have misconceptions about what Travel Insurance and Medical Tourism Insurance provide and what is included and excluded in coverage.

 

What Travel Insurance Does

Essentially, Travel Insurance is intended for unexpected occurrences when traveling, primarily for vacation or business. Travel Insurance helps relieve the burden of unforeseen financial expenses should a covered incident occur. These incidents can include trip cancellation or interruption, luggage or credit card theft, and unexpected medical expenses during travel abroad. For our purposes, it is important to note that your standard travel insurance only covers unexpected medical expenses or emergencies. Most Travel Insurance policies have an exclusion if travelling for the purpose of receiving medical care. How is this different from Medical Travel and Complications Insurance? It’s all about the increased exposure and the intent of travel.

 

Medical Tourism Insurance

Hundreds of thousands of Americans travel outside of their home country for medical tourism, which is defined as receiving medical care or treatment in a foreign country. Unlike the type of medical emergency or accident that may trigger Travel Insurance, the procedures involved in medical tourism are carefully planned in advance. There are many reasons why patients choose to do this. Some of the reasons include paying less for procedures, undergoing treatments or medical procedures that have not yet been approved in their home country, and to receive care from a provider who shares the traveler’s culture and/or language.

 

Medical Travel Insurance Is Not Health Insurance

This is important. If a person is traveling abroad for the express purpose of receiving medical care, neither Travel Insurance, Health Insurance, nor Medical Travel Insurance will pay for the cost of the procedure itself. Most patients who choose medical tourism must self-pay for their procedures and often choose to do so because of the lower healthcare costs in other countries. However, some state funded health insurance plans in different countries are starting to see the value in allowing insureds to travel for cost savings or access to care and will occasionally pay for a procedure abroad. Certain procedures performed outside of the United States can save anywhere from 50% to 80% of the US procedure cost.

 

What Medical Tourism Insurance Does

Medical Tourism Insurance for individuals provides coverage for complications that may occur during the patient’s procedure or during recovery. With all the benefits of medical tourism, there are certain risks as with any procedure. While the benefits generally outweigh the risks for those looking for less expensive medical care, the informed patient will still want to have the added protection of Medical Travel and Complications Insurance. In the event of complications, this insurance provides relief from any financial hardship that may be incurred while abroad or while recovering at home. It is truly a necessity for anyone considering International Medical Tourism Travel.

 

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Best Medical Tourism Destinations to Escape Cool Weather

Best Medical Tourism Destinations to Escape Cool Weather 

As the weather cools down, the medical tourism market is still heating up. Many people long for the warmth of a tropical vacation as the winter sets in, but not everyone has an excuse to jet off to a warmer city in the winter. For people interested in medical tourism, the act of traveling to another country to receive (typically lower cost) medical care and procedures, wintertime is the perfect time to take the medical tourism trip they have been considering! What could be better than receiving a surgery or procedure without breaking the bank, while getting an exotic vacation at the same time? Below are three popular medical tourism destinations to escape cold weather.  

Thailand 

In the Land of Smiles, the climate stays warm and dry in the months of November to February. With some of the most advanced medical facilities in Southeast Asia, Thailand is an excellent choice of destination for medical tourists – especially those looking to escape cold weather and enjoy a foreign vacation alongside their recovery efforts. Since medical tourism is so popular in Thailand, medical tourists will have many options of facilities to choose from and should not experience long wait times for care. Some of the most popular procedures for medical tourists choosing Thailand are cosmetic surgery and dentistry, gender reassignment surgery, and heart surgery. 

 Brazil 

A trip to Brazil for any medical tourism needs is highly recommended during the time of August to October when the average temperature is around 70 degrees F (21 degrees C). If you’re seeking to recover from your medical operation in a beautiful, temperate atmosphere, Brazil may be the right choice for you. Cosmetic surgery is a popular procedure for medical tourists in Brazil, as the country follows right behind the United States in the number of cosmetic surgeries performed per year. These surgeries, and other medical procedures, can be performed for a fraction of the cost that they are in your home country.  

Singapore  

Its closeness to the Equator means that summer reigns year-long in the country of Singapore. The climate here can be considered tropical, and with the warm weather also comes frequent rainfall. However, if you’ve been stuck at home in a place that’s experiencing snowfall, then rain probably doesn’t sound too bad! An attractive spot for medical tourists, Singapore boasts 21 Joint Commission International (JCL) accredited hospitals. This means that these facilities have been given a seal of approval in regards to their patient safety, quality of care, and other standards. Learn more about the JCI.  

Medical Tourism Insurance  

If you are engaging in medical tourism and concerned about the risks of the practice, you would benefit from getting medical tourism before taking your trip. Medical tourism insurance helps to protect you from the financial burdens incurred if you experience a complication that forces you to extend your stay in a foreign country. Reach out today to get a quote.  

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Medical Tourism Complication Insurance

Medical Tourism Complication Insurance

Medical tourism complication insurance is now being sought after by medical tourists, medical tourism facilitators, and receiving international hospitals. Enrolling in medical tourism travel insurance is usually done online and the coverage is available worldwide.

 Individuals traveling for medical care are typically quoted a price for a medical procedure, however, they would be responsible for additional medical costs should a complication occur. Individuals look to insure this exposure by buying medical tourism complication insurance for their medical procedure.

International hospitals and facilitators are also including coverage automatically in the cost of their procedures. This assists the patient with unexpected expenses but also reduces the hospital’s exposure to noncollectable medical bills. In some instances, hospitals will require payment prior to providing medical care so, having insurance can be very important.

Policies typically include travel accident and illness coverage, trip cancellation, baggage coverage, death, repatriation, emergency evacuation, additional costs of travel meals and accommodations should a medical complication cause delayed return travel, medical costs associated with a complication, and travel companion coordination. Should a complication occur after the medical tourist returns home, there is usually a 6 month period that extends to cover complications.

Regular travel insurance has an exclusion if traveling for the purpose of receiving medical care. So be certain you check your policy and make sure you have the correct coverage for your medical trip.

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