What insurance do I need for treatment abroad? Travel insurance.
Travel insurance : Any trip abroad requires mandatory insurance coverage in case of acute illness, accident or sudden death. The insured person is reimbursed for the costs of treatment and transportation to the country of residence in the event of such unpredictable situations. However, the usual medical insurance does not cover a number of cases, including those when a health threat has arisen from the treatment that is the purpose of the trip abroad. So ordinary travel insurance is not enough if you are traveling abroad for treatment and patients should be prepared for special medical travel insurance. That is why you should pay close attention to your insurance if you are going to another country for treatment. Mean while, it should be remembered that although medicine in developed countries has reached the highest level of development, no one would guarantee the one hundred percent success of medical intervention. Moreover, even the newest methods of diagnosis and treatment do not protect against the likelihood of a professional mistake. Therefore, before traveling to another country, you need to take care of guarantees of receiving material compensation in case of unforeseen complications during treatment in the clinic, medical malpractice or medical mistake. Nowadays, the patient can get a great number of medical travel insurance policies for medical travel abroad, each with different advantages.
Travel insurance for health tourism
An increasing number of insurance companies offer people special travel insurance that covers trips abroad for treatment in the same way as they cover any other overseas trips due to the fast-growing market of medical tourism. These special medical tourism policies will still exclude everything that happens because of your treatment, for example, an extended recovery delaying your return, but they will cover ordinary items such as luggage, personal belongings, etc.
Medical travel insurance
Some medical companies now offer to their patients travel insurance products that are specifically intended for medical tourism. Such medical travel insurances mean not only cover the standard details of travel insurance, but also a number of specific medicine-related details, such as:
- Cancellation of the patient’s procedure and loss of deposit.
- Any complications during the procedure.
- Postoperative problems, while the patient is still abroad.
- Extended recovery time after the procedure and related costs.
- Postoperative problems when the patient is already at home.
Medical insurance in case of complications
It is also comfortable to buy insurance that covers you in case if the medical expenses are more than you were quoted, through no fault of the hospital or clinic ( called medical cost over-run insurance ) It gives you the peace that your treatment will be covered without any facing an unexpected additional bill at the end. This cover is sometimes offered by the hospitals or clinics, but you should check the policy carefully before you pay out the premium.
What should I look for when preparing insurance?
First, the contract should clearly state about medical services can be provided abroad. In some cases, such services can be provided in foreign clinics with which the insurance company maintains partnerships. However, more often the insured patient receives material compensation from the insurance company in case of the corresponding problems with treatment abroad later. Today, insurance companies offer patients a variety of voluntary health insurance programs to avoid exceeding the cost of medical services. Such expenses include, for example, complications resulting from treatment, as well as an increase in the volume of diagnostic and treatment activities because of the recommendations of the attending physician. As for the list of medical expenses, they include the costs of the insured patient for additional laboratory and instrumental studies, physiotherapy procedures, surgical operations, therapeutic treatment, prosthetics, resuscitation and stay in the intensive care unit. In addition, such a list may include additional costs for food, the provision of medicines and supplies during treatment.
In particular, the insurance case usually does not recognize the treatment of the disease, the presence of which the patient intentionally concealed from the employee of the insurance company when concluding the insurance contract. Always pay attention to the validity of the insurance pole. Most often, medical insurance remains valid for no more than one year from the date of signing the contract. According to the terms of the contract, either it can enter into force from the moment of its conclusion and payment of the insurance premium or after the onset of certain circumstances (for example, the successful passage of a medical examination).
Sometimes the contract specifies the duty of the insured person to fulfill additional conditions. For example, to make certain vaccinations or maintain a constant connection with a representative of the insurance company. Failure to comply with such conditions may result in the refusal to pay insurance compensation. In addition, in the international medical tourism, the clinics and medical centers themselves often act as insurers, which guarantee the provision of free medical care in the event of complications or medical errors. Of course, this kind of obligation must certainly be documented. You should check that in the contract for the provision of medical services, all force majeure circumstances were agreed before and after treatment. In addition, the contract should include the list of services that the clinic is obligated to provide free of charge, as well as those that are to be paid to you as a patient. This includes, in particular, additional treatment in case of complications, the provision of medicines and care, medical transportation to the home country and subsequent follow-up.
It is desirable to arrange insurance for all patients who are going to receive medical care abroad. It does not take much time and effort. However, when traveling abroad you should be sure that you would not be left without money because of the excess cost and complications. Even a few extra nights for you and your companion can reach hundreds of pounds or more. If the problems you are facing are the direct fault of your surgeon, clinic or hospital, it can be too difficult to prove and receive compensation. Medical negligence is difficult to establish in accordance with the laws of Britain, not to mention a foreign country where the cases can drag on for years through the courts. Without insurance, you have no choice but to pay an additional bill, even if you are right and additional costs are not your fault.