Short Term international health insurance plans are designed for people who are traveling outside their home country for a period of less than 1 year. These international travel health insurance plans are generally preferred by executives and missionaries who travel abroad for work or vacationers who are planning a trip overseas for a couple of months.
International medical insurance coverage is available for people of all ages, though the maximum medical coverage is typically lower for those above 70 years of age. These plans can also cover for the entire family including spouse, children and any other dependents whom they want to support.
The short term plans cover the individuals against unforeseen illnesses or injuries which may result in hospitalization, doctor consultation, repatriation and surgeries. The individual would not be eligible for coverage for those medical conditions that already exist at the time of application of the plan. In addition, these policies do not cover routine check-ups, screening tests for preventive care, vaccination or dental treatments.
The short term international travel health insurance plan is valid right from 5 days up to a period of 1 year. You can renew these plans for a consecutive period of 36 months. For individuals seeking coverage for more than a year, long term insurance plans are more suitable.
Long term international medical insurance plans are designed for individuals planning an overseas trip for more than a year. Travelers can opt for a variety of services and coverage benefits based on which the premiums would be calculated. These plans are generally renewed every year depending on your stay overseas.
Long term insurance coverage is suited for travelers planning for an overseas trip for more than a year, professionals, executives, expatriates, marine crew workers and missionaries who are staying abroad for work purposes and make multiple trips to their home country every year.
The long term international travel health insurance plans offer coverage benefits worldwide across all countries around the globe. Coverage is available for individuals even in the homeland unlike short term medical insurance plans which provide limited coverage in the country of citizenship.
Individuals can choose from two types of benefits in the international travel insurance – Fixed and comprehensive benefits. Coverage is different for both the benefits and range from various services including Depending on the plan you choose you can avail coverage for various medical expenses which include preventive care (after a waiting period), doctor consultation, hospitalization, surgeries, maternity coverage, emergency evacuation, medical assistance or Repatriation.
Ray Sondeo often writes about international insurance.
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