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Medical Tourism and Insurance

 
 

 
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Medical Tourism and Insurance
1 Insurance, Taxes and Medical Tourism
2 Sum up your current Insurance plans
3 Are you covered?
    - Confirm your Insurance plan covers you?
    - Recheck your insurance policies and restrictions
    - Your insurance plane covers the procedure you are opting?
4 What to do if you are not covered?
5 Analyze the cost and make budget for Medical Procedure.



1

Insurance, Taxes and Medical Tourism

  Insurance is one of the main concerns of tourists while taking treatment away from their native country. Initially, medical tourism was popular for elective procedures only that aren’t normally covered under standard policies.  These included face-lifts, breast augmentations, and other types of plastic surgery. But now, tourists go abroad for critical and life saving procedures too, such as kidney transplants, arterial bypasses, knee replacement, etc.  Quite naturally, insurance is becoming a major concern in the medical tourism world, and it is important that you understand what options are available to you.
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2

Sum up your current Insurance plans

  It is always advisable to first look around your health insurance plan, whether you are covered or not? Many times it is possible that someone else purchases a heath plan for you and you are not aware of the procedure you are opting as actually partially or fully covered. Now the question is that where should you look for this hidden policy. Here are some clues that you can work out.
 
1 May be your son, daughter, husband, or wife has some policy that covers full family, you can take the benefit of that.
2 May be your employer is having some health plan for you that covers your current procedure.
3 Go through all the existing insurance plans carefully. Many times we take a plan without bothering what is covered and what is not.
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3

Are you covered?

 

Confirm your Insurance plan covers you?

  The health insurance for medical tourism is not that common and not available easily. But in view of the significant savings potential, some experts believe that health insurance plans covering medical tourism will eventually become available and revolutionize healthcare delivery. “The globalization of healthcare is expected to have a significant impact on the strategy of health insurance companies. Private insurance companies cannot keep themselves away from huge saving and earning potential from medical tourism
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Recheck your insurance policies and restrictions

  Before going abroad for medical procedures, recheck relevant policy again. If you have any medical or travel policy, confirm that it covers the following
 
1 Check your policy covers you, out of your native country. May be there is some restriction or some specific condition that may create problem while making a claim of policy.
2 Check whether your policy covers the specific medical procedure as well as emergency care, and other specialized services in case of accident and other medical complications.
3 Is there any traveling restriction or is there any specific restriction for the country where you are going?
4 Is your policy covers the expenses of the person, he/she, may be your attendant, family member or friend, if traveling with you.
  It would always suggest that you could take the services of professional legal adviser by showing your policies before leaving the country. Though it would increase your expenses, but it gives you 100% assurance when you are out of your country and peace of mind too.