If you are a globe trotter and travel across the world for work, business, or leisure purpose, you must be aware of the high cost of health facilities abroad. Due to a frequent change in weather conditions and living habitat, several normal to serious health problems may arise while you are in foreign land. For instance, if you are planning to travel to Russia to attend the FIFA World Cup 2018 and watch your favourite team play, it is better to be ready in advance for any health or medical challenges that you may face. An international health insurance policy can be a saviour in such situations. It provides you with coverage in case of any medical emergency while travelling abroad.
Access to affordable and quality healthcare in unfamiliar countries can be the biggest challenge especially if you are living in a foreign country with your family. A global health insurance policy covers the day-to-day medical expenses of individuals and families that may include regular visits to doctors, maternity cover, planned surgery, dental care, emergency treatment, and outpatient care depending on the kind of policy you chose. A lot of insurance companies these days offer health insurance with global coverage that covers you against a wide range of pre-existing and congenital conditions with no additional exclusions or cost.
Difference Between Travel Insurance And International Health Insurance:
A global health insurance policy covers you for frequent trips abroad as well as for a period you are living away from the country. On the other hand, a travel health insurance covers your medical expenses while you go abroad for a holiday, short trip, or a business trip. It also provides coverage for travel-related emergencies such as lost luggage or missing a flight. A travel insurance plan is not suitable for those who need an everyday medical cover while traveling abroad. To understand the difference in a better way, you may look at the illustrative table below. However, for accurate information, it is recommended to read the policy document carefully.
|Coverage Offered||Global Health Insurance||Travel Health Insurance|
|Comprehensive health care||Yes||No|
|Specialist private treatment||Yes||No|
|Optical and dental care||Yes||No|
|Regular medical care||Yes||No|
|Pre-existing health problems||Yes||No|
|Treatment of cancer||Yes||No|
|Option to choose the country for treatment||Yes||No|
|Option to choose the practitioner for treatment||Yes||No|
|Option to choose the facility for treatment||Yes||No|
|Validity of the policy||1 year||Limited to duration of the trip|
|Non-medical travel benefits||No||Yes|
|Worldwide cover||Yes||Limited to destination country|
|Emergency medical cover||Yes||Yes|
How Does A Global Health Insurance Policy Protect you?
Insurance companies nowadays offer different international health insurance plans based on the profile of an individual. There are separate plans available for professionals, students, individuals, and families. You may also choose from a range of optional covers such as maternity cover, dental plans, outpatient plans, amongst others. An international health insurance policy not only covers the emergency medical issues but also covers you for diagnosis, treatment, and post treatment care in a comprehensive manner.
Travel Health Insurance Plans for FIFA World Cup 2018:
If you are one of those ardent football fans who is planning to visit Russia for the 2018 FIFA World Cup, there are different insurance companies who offer short travel health insurance plans for the duration of the plan. These plans can be customised based on the country and your personal health and travel needs. However, if you are someone who travels abroad frequently and need a health insurance to help you with your comprehensive health care, an international health insurance policy is more apt for you.