The Back Pocket
International Health Insurance
One single best investment you can give to yourself is personal insurance. May it be health insurance, travel insurance or life insurance, it will still give you enough leverage to confidently do your task everyday anywhere without worrying so much that in any moment, an accident might occur. However, these types of insurance have limited coverage that is not applicable on a particular situation. The situation I am talking about here is when you decide to live in another country. Sure, you have life insurance or health insurance. But these are only applicable within the boundaries of the United States.
So if anything happens to you outside the country, these insurances cannot help you in any way. Same thing goes with travel insurances. Although they can be applicable outside of the country, the claim is only limited up to a certain extent such as medical evacuation, trip cancellation, and trip delays. The bottom line is, when you travel and decided to live outside the United States, these insurance policies you have invested in your life is no longer useful. Thus, you need a particular policy that would be about to give you the coverage you need for this particular situation.
You need an international health insurance. In some way, international health insurance is just the same with other insurance policies available for you. But why get international health insurance? For those who have no desire or could not afford to travel internationally, there is no need to purchase international health insurance. But for those who are considering going abroad and staying there, this would come in handy. Of course there are prices to pay. While personal health insurance (valid locally) can cost you wealth, international health insurance costs even higher. But, the amount you pay is nothing compared to the benefits it will provide. In most cases, basic international health insurance can give you coverage on things such as hospital accommodation, local ambulances, in-patient or in-hospital care, anesthetists', physicians’, and surgeons’ charges. Some provide you with radiotherapy, oncology, pathology, and radiology coverage. For wider coverage, a more upgraded international health insurance can answer primary care and primary consultations for outpatient visits.
Therapies such as homeopathy, physiotherapy, acupuncture, osteopathy, and primary care and primary consultations including prescribed medicines are covered. For added options, emergency dentistry and at-home nursing care are available at your desire. Of course, the wider the coverage you ask, the more expensive it would be. Usually, the international health insurance with this broad coverage can cost twice as much as the basic. The coverage does not end here. You can get more with higher premiums. If you opt for this, you can add options such as organ transplants, psychiatry, childbirth, rehabilitation, general practitioners consultations, home delivery, and other specializations such as eye, ear, nose, and troth consultations. Other coverage can include visit to specialists such as chiropractors, psychotherapists, dietitians, and osteopaths. Scans, x-rays, lab works, and others can also be included in your coverage along with prescribed medicines. The bottom line for international health insurance is: if you need any medical attention whether here or abroad, you can always tap your insurance policy.
After all, accidents strike at any given time, regardless of your location and situation you are into.
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