In some countries, it has become essential to have health insurance. Every day that passes, people are more aware of the importance of having a policy before they need it. Some opt for international health insurance due to the breadth of benefits, if that is your case, I invite you to analyze what it is, what the advantages are, and what to do if you want to choose one.
What is international health insurance?
Health insurance is an agreement between the beneficiary and the insurance company through which a package of medical benefits of global scope is obtained.
International health insurance specifies what benefits or services are covered, up to what amount in USD it covers, and what services are not included in your international insurance policy. The policies in turn have annexes that we must read to identify the details of some specific coverage.
Some of the benefits of international health insurance are:
- Hospitalization, room, and accommodation of the patient and companion.
- Scheduled surgeries.
- Cancer treatments, dialysis, and prosthetics
- organ transplant
- Outpatient services for the patient
- pediatric services
- laboratory services
It should be noted that these benefits may increase or decrease depending on the insurance company.
Advantages of international health insurance
- Access to treatments and advanced medicine.
- Cash service abroad.
- Protection of your assets in the event of a serious illness
Who is international health insurance designed for?
International health insurance is generally designed for people who spend a lot of time outside their country of residence and need extensive medical coverage for hospitalization, surgery, and maternity around the world.
However, it is also contracted by people who wish to have access to an exclusive medical care network superior to what is offered by the medical insurance in their country of residence.
What are some of the major international insurance companies?
- best doctor
What is a deductible?
Most international insurances have deductibles which is an amount in USD that you must pay to receive medical care. After payment, the insurance company is responsible for other expenses and compensation.
Many people purchase more basic coinsurance or travel insurance that covers the amount of the deductible to avoid this expense.
What should I do if I want to take out international health insurance?
The most advisable thing is to contact an Insurance Advisor or Agent because, if you receive the correct advice, you will make the correct choice, take into account all the benefits, details and find the company plan that best suits your needs. needs.
At protegetuviaje.com we have a commercial ally who, with all the pleasure in the world, can help you in this regard.
International health insurance or travel insurance?
- International health insurance has a deductible, travel insurance has no deductible.
- Travel insurance does not cover scheduled surgeries, maternity, or cancer treatment.
- Travel insurance includes compensation for flight cancellations or loss of luggage.
- Travel insurance is designed to cover immediate emergencies for a limited time.
- International health insurance is for those who work or live abroad, it is broader in terms of medical treatment
Something worth mentioning is that many people who have international insurance purchase travel insurance to have luggage backup, receive medical assistance, and cover the deductible of their international insurance.
Why is it important to make a decision?
Every day, many people die in a hospital bed due to the impossibility of receiving the treatment they need, others have lost all or a large part of their assets to pay for health treatment. We hope that this is not your case or that of your loved ones, that you do not need insurance to understand the importance of having it.
Remember to always be protected with health insurance
If you don’t have health insurance, you probably don’t know how important it is to you and your family. Surely you have had these doubts or concerns:
What type of health insurance do I need? Who can advise me? What benefits do I get? How does the policy work? Is it expensive?
Consult with your broker about the plan that best suits your needs.
Health insurance allows you to obtain rapid medical care and free choice of specialist doctors.
The first thing you should take into account is that a policy establishes a commitment between an insurance company and the insured, which means that, if the insured suffers damage of any kind, they can be compensated. So, health insurance is a guarantee that helps you:
- Cope with unexpected medical expenses
- Access fast medical care
- Having the freedom to choose a doctor
- Coverage of expenses in case of hospitalization
It is important that before choosing insurance, you know all the benefits and responsibilities that contracting a policy entails. For this, the advice of an experienced broker is necessary, who can guide you in choosing together the insurance that best suits your needs and expenses. The broker is your guarantee before the insurer, and you can obtain greater benefits together with the correct advice.
Here we tell you 4 factors to take into account when choosing your health insurance:
1. Age, coverage, and personal health statement:
It is recommended to take out insurance when you are young before hereditary conditions arise, or pre-existing conditions whose coverage will be limited in medical insurance. In addition, the younger you take out health insurance, the lower the rate you pay, the cost is about the age range.
2. Territorial coverage or open/closed insurance:
3. Reimbursement and deductible
4. Waiting time
You may think that private health insurance is an unnecessary expense, however, it is an investment that will avoid putting your health and finances at risk.
If you already have insurance, check that your coverage is optimal and meets your needs, remember that health is the most important thing and that cannot be bought.
Investing in health insurance is protecting your well-being and your economy.
A broker can provide you with transparent and detailed advice on the plan you are hiring. If you are thinking of taking out insurance and don’t know where to start, visit our online quote, where you will find a variety of alternatives. Quote in seconds quickly and easily, with the support of the best insurers in the country.
There is a wide variety of plans that can be adjusted to our budget, you just need to want to make sure and have good advice.