Personal insurance is one of the best things you can buy for yourself. Having insurance, whether it's health insurance, travel insurance, or life insurance, will still give you the confidence to do your daily tasks anywhere without worrying too much that an accident could happen at any time.
But these kinds of insurance only cover a limited number of things that might not help in a certain situation. When you decide to live in a different country is what I'm talking about here. You have health insurance or life insurance, right? But these only work inside the borders of the United States. So if something happens to you outside of the country, these insurances can't help you in any way. The same is true for travel insurance. Even though they can be used outside of the country, you can only make a claim for things like medical evacuation, trip cancellation, and trip delays.
In the end, if you leave the United States to travel or to live there, these insurance policies you have bought over your life are no longer useful. So, you need a policy that will give you the coverage you need for this situation. You need to have health insurance that covers you abroad.
International health insurance is similar to other insurance policies you can buy in some ways. But why get health insurance that covers you abroad?
International health insurance is not necessary for people who don't want to travel abroad or can't afford to do so. But this would be helpful for people who are thinking about going abroad and staying there.
There are always costs to pay. Personal health insurance that only works in your own country can cost a lot of money, but international health insurance costs even more. But what you pay for it is nothing compared to what it will do for you.
Most of the time, basic international health insurance can cover things like hospital stays, local ambulances, in-patient or in-hospital care, and the costs of anaesthetists, doctors, and surgeons. Some plans cover radiology, oncology, pathology, and radiotherapy.
A more advanced international health insurance plan can cover primary care and primary consultations for outpatient visits. This will give you more coverage. Therapies like homoeopathy, physiotherapy, acupuncture, and osteopathy are covered, as well as primary care, primary consultations, and medicines that are prescribed by a doctor. You can also get emergency dental care and nursing care at home, if you want to. Of course, the price would go up the more coverage you ask for. Most of the time, this kind of international health insurance can cost twice as much as the basic.
This is not the end of the story.
You can get more if you pay more. If you choose this, you can add options like organ transplants, psychiatry, childbirth, rehabilitation, consultations with general practitioners, home delivery, and other specialties like consultations for the eyes, ears, nose, and genitalia. Specialists like chiropractors, psychotherapists, dietitians, and osteopaths may also be covered. Along with the medicines your doctor gives you, you may also be covered for scans, x-rays, lab tests, and other procedures.
The bottom line about international health insurance is that you can always use your policy if you need medical care, whether you are at home or abroad. After all, accidents can happen anywhere and at any time, no matter where you are or what you are doing.
