Explaining travel medical insurance
Medical travel insurance is a cover provided for travelers who are leaving their home country to a foreign land.
It primarily focuses on medical benefits such as emergencies and evacuations. Emergency includes the need for immediate medical attention and, therefore, ambulance and airlift services are included in this package.
Evacuation services are designed to get you out of a remote area to a place where proper medical attention is available.
Additionally, in case you die while, on a trip, your remains will be transported properly to a nearby funeral home or back to your country.
Different agents will use different terms such as worldwide medical insurance, international medical insurance, and international travel insurance among other names.
Worldwide insurance cover
Factors that determine the cost of your travel health medical insurance
Travel destination: The place you intend to visit has a high influence on the premiums charged by the insurance provider.
For instance, when you compare travel insurance for people visiting countries prone to earthquakes and Tsunamis will have to pay higher due to the high-risk exposure.
Other things considered include the cost of operation in different countries.
In some countries, the cost of living is high accompanied by high prices of factors, which makes operations costly. An insurance provider will charge more in such cases.
Health Condition: Healthy people will pay less compared to people who are sick. Where there is a pre-existing condition, which is detrimental to your health, the premiums could even be higher.
Where the condition may be due to own carelessness such as drug abuse and alcoholism, the insurance provider may deny you a cover.
The length of your trip: The length of your trip is directly proportional to the chargeable amounts. The longer you stay, the higher the premiums.
Travel Health Insurance Cover
Travelers age: The old are considered to have a weak immune system and more susceptible to some conditions as compared to youths who are young and vibrant.
This is why the old pay more premiums when traveling abroad as compared to the young.
Specific cases
Travel medical insurance for seniors
As people get old, many things change, and one of them is the insurance premiums on health. Some companies may even deny you a cover due to some factors.
This could be worse especially if you are traveling abroad and you require immediate medical attention.
Since some organizations do not specialize in seniors insurance, others have exploited this gap and designed travel medical insurance for seniors and will cover you against medical emergencies including dental care in the case you are injured or get ill on your trip.
However, the definition of a senior may differ from country to another, and a senior can range from 65 years and above.
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Posted by
, Published at
September 30, 2017
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