Overseas Insurance Coverage

Overseas Medical and Health Insurance Plans

When traveling overseas, make sure you have the kind of global medical coverage you need so you can relax and enjoy your trip. In choosing an insurance plan for your overseas adventure, there are a few things to consider. Of the many priorities expatriates, accompanying family members, and employers have for an overseas assignment, staying safe and healthy while both abroad and upon repatriation is at the top of the list. To achieve this objective, thoughtful research and diligence are important. If you are planning to travel abroad, one of your most important considerations is overseas health insurance. By purchasing your international plan, you can rest assured that you will have access to medical treatment if you need assistance. Going abroad is an adventure, but you don’t want to take risks when it comes to your health. Depending on how long you spend abroad, you can purchase a short-term or long-term overseas health insurance plan that can cover you internationally.

Overseas Insurance with Medical Coverage:

 

 

Why Purchase Overseas Medical Insurance?

Our travel and health insurance plans provide coverage for doctor visits, hospitalization, prescription medication, emergency medical evacuation, repatriation, etc. International Health Insurance Group works with individuals traveling around the world whether for work, travel, studying or relocation. Because of our experience in the industry, we know how important it is to have a high level of customer service and quality products. Our overseas health insurance plans are all with A rated carriers that have 24-hour travel assistance to help you in the time of need. If you need medical assistance, medical referrals, or a translator, we are there to help you as you travel internationally.

Tip: If you are overseas for less than one year and want a more affordable (less comprehensive) medical plan, consider a Travel Medical Insurance Plan.

What are The Cheapest Overseas Health Insurance Plans

We would not recommend you look for the cheapest or low-cost insurance plans. What we do suggest is that you consider the overall benefits of each plan and compare them to each other relative to the costs. One plan may appear more affordable at first, but as you dig into the policy, you find they have higher deductibles or limits on the overall maximum benefits they pay out for certain coverages. A great option is the Cigna Global Medical Plan that allows you to customize your plan and add-on benefits only if you need them. The IMG Global Medical Plan is affordable, especially for younger clients, but increases in cost as you get older. We have created a simple way to review and compare international health plans and suggest you consider at least two options. If you have questions, please contact one of our licensed insurance agents to help choose the best plan for you! We look forward to assisting you no matter if you will be traveling to Asia, Europe, Africa, Latin America, North America, etc. The goal: plan now to avoid stress and frustration when the inevitable crisis strikes. International doctors, HR experts, and expatriates recommend you take care of the following as part of your preparation:

• Ask your doctor about vaccinations and immunizations required for your overseas stay
• Translate the names of prescription and over-the-counter medications you use
• Research the medical care and the healthcare system in the host country
• Discuss your strategy should a serious illness occur
• Visit your primary care doctor, dentist, and eye doctor. Get everything taken care of before you go.
• Choose a doctor in your host country, for yourself and family members.

US Dept. of State: Insurance Providers for Overseas Coverage

If You Have a Chronic Medical Condition

• Arrange an appointment with the appropriate specialist in your post country.
• Consider obtaining a bracelet or pendant indicating your important medical condition.
• Be vigilant for symptoms and other signs that your condition is worsening.

At International Travel Insurance Group we offer a variety of options for a variety of travelers. The basic categories are Trip Insurance (short trips), Travel Medical (for longer trips) and International Health (Annual Major Medical) plans. Trip insurance covers the costs of your trip overseas with some additional benefits depending on the policy. Travel Medical plans offer additional medical benefits compared to what you get in a trip insurance plan. Finally, International Health (or Global Medical) plans offer long-term major medical coverage typically for those working abroad for multiple years. Review the plan benefits and exclusions before choosing the plan. Before purchasing an overseas insurance plan, select a plan from the list above (or from the top navigation) and review your options. In most cases, you are likely looking for either a Trip Insurance plan or a Travel Medical Plan. If you primarily want to insure the cost of your trip and don’t feel that you will need much medical coverage, review the Trip Insurance plans. If you are concerned with possible medical expenses while overseas, focus on the Travel Medical plans. There is no right or wrong answer for shopping for overseas travel medical insurance. You should focus on your needs and priorities and pick the best plan for your situation. Our goal is to provide you with a range of options and providers to meet the majority of our customers’ needs.

Also Read:

• Will Your Plan Cover you While Overseas
• Expatriate Health Insurance Explained