Travel Health Insurance
Travel health insurance is definitely something you will want to include on your next excursion, be it a five day business trip, a ten week summer holiday, or a jaunt around the globe. Travel insurance can be affordable and a life saver in a true emergency.
There are preliminary questions to consider when choosing health insurance for traveling:
Are you traveling alone or
in a group of ten or more?
Group rates vary from individual policies. Check if you decide upon a single trip health insurance if it requires you to have an existing U.S. health insurance policy.
Will I be gone for more than six months?
Some policies last only for six months other policies are designed with a longer life. So find out if you can renew or are better off with a longer time policy.
Will my existing U.S. health policy
cover me so all I need is a gap policy?
A gap policy is exactly that it fills in the gaps of what your domestic policy excludes for outside the U.S.
Should I take out a global policy
which excludes the U.S.?
This one decision can sometimes reduce your premium rate in half? Wow!
Do I have a pre-existing condition?
Then it’s imperative to find a policy which covers your existing condition. The good news is many of them do.
Should I include medical evacuation,
repatriation or terrorism provisions?
First of all, what is medical evacuation, repatriation and terrorism provisions? This can be in an individual, student, group or corporate policy. They are amazing services for providing you with access to immediate deployment of certified medical rescue teams, transporting you to the hospital of your choice in the US, evacuation services on helicopters, jets and commercial aircraft.
They even offer 90 minute launch guarantees, emergency messages delivered to your family members during war or a natural disaster, local dentist and physician locator and finally telephonic interpretations. In today’s global climate it doesn’t hurt to get a quote. You may be able to afford it. Prices vary from $225 for short excursions of 7, 14, & 30 day trips, $515 per year for a student, $655 per year for an individual and $1155 per year for a family. See you just might be able to afford it.
Does it matter to me if the travel
health insurance plan is HIPAA compliant?
HIPAA stands for Health Insurance Portability & Accountability Act of 1996. It requires electronic health care transactions and code sets, unique to the health care industry to be uniformed. In 2002 it asked the health industry to incorporate additional security from the Privacy Act to three separate health entities: health care clearinghouses, health care providers and health care plans.
The deadline was 2003 for large corporations and 2004 for small health plans. So you may have noticed only codes on a medical bill which makes it impossible for you to translate. This was done for your security. And now a few health insurance companies include providers using the HIPAA standard globally. So you might want that when you step out into this great big world of ours. It also reduces time allowed for exclusions and additional protections for the policyholder.
As you can see you have an array of policies and choices when you decide to leave home and country. Use our free health insurance quote finder to find the health insurance plan you need right now!
