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Buy Before You Fly
When moving overseas it is absolutely essentional that you have not only medical insurance but the correct kind of medical insurance.
It is always tempting to look for the cheapest possible solution for your medical insurance. After all, if you need treatment you will just fly home and have the treatment there.
However, what happens if you need emergency treatment where you and cannot travel back home?
Read An April Medibroker Case Study on the importance of having the correct International Medical Insurance |
Buy Before You Fly Case Study:-
We were recently contacted by a gentleman looking for medical insurance to cover his sister in law in the USA. The wording of the request though did appear to suggest that not only did she require treatment but was in fact already in hospital.
When I contacted the gentleman for further information he told us a sadly familiar story. His sister in law did purchase some medical insurance but opted for the cheapest possible cover. As it turns out it was a plan that covered emergency events only and the stabilisation of emergency situations. When she was rushed into hospital several days after arriving in the US she did have the initial emergency stabilisation covered.
However, that’s where the cover ended. His sister in law was now still in need of treatment, was attached to medical equipment but with no insurance for the necessary follow up treatment. The hospital would not begin the treatment until they were provided with ‘a premium insurance’ plan to cover the cost.
The gentleman was now desperately trying to find a medical insurance plan to cover this. Unfortunately, it was too late. No medical plans would be prepared to cover this treatment as it was effectively now a pre-existing condition. However, if she had bought an international private medical insurance plan before travelling then her treatment would have been covered without any problems.
This is a desperately sad situation for this lady and her family but it just goes to show why having the correct medical cover is essential. There is no point being wise after the event, it’s too late then, be wise before the event.
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Our consultants will respond to your requests and answer health insurance enquiries via email. We provide a snapshot of the health insurance market once we receive your request for quotation.
We check the service standards of all health insurers we work with by measuring how quickly they deal with claims and medical emergencies around the world. We show health insurance benefits on an "apples to apples" basis so that you may make an informed selection of medical insurer. We always ensure that you can compare 'company' to 'company'.
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