International health insurance provides you benefits that are more comprehensive than those offered by regular travel insurance. In fact, the benefits under international health insurance are more similar to those offered by private health insurance policies in the US. As these policies and plans are renewable every year and are permanent health plans, the stress is more on preventive care and treatment of medical conditions. Health plans applicable for out of the country are generally short term plans which are provided to cover emergency medical needs. They are not really concerned with maintaining the health of the insured person. Additionally, as the international health insurance plans are of long duration, they also have higher levels of benefits applicable. The section below provides you details of benefits you might expect from an international health insurance policy.
The following are the benefits you should be receiving from your international health insurance policy;
- Hospital boarding and rooms
- Intensive care unit
- Ambulance for local needs
- Visits to physicians
- Annual physical exams
- Coverage for prescription drugs
- Pre natal and postnatal maternity benefits
- Physical therapy
- Newborn care
- Outpatient surgery
All the benefits mentioned above are regarding medical expenses. Certain benefits like maternity coverage usually have maximum levels assigned to them. This is usually a pre fixed amount the company will pay as benefits. This amount may be much lower than the total maximum amount offered by your plan.
Certain supplemental benefits are also offered by international health plans. These include;
- Emergency medical evacuation
- Repatriation of remains
- Dental insurance
- Emergency reunion
- Vision benefits
- Life insurance
As is common with most health policies, you will have certain exclusions in international health insurance. You should consider these before you decide on an application for international health insurance. You should also go through the information on international health insurance before you decide to choose a policy.