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International Health Insurance Plans
International Health Insurance Plans - Plan Overview
International Health Insurance Plans are designed to the special needs of technology professionals, academicians, international students, international aid workers, who require comprehensive major medical coverage in all countries of their stay (including the schengen countries and/or USA).
International Health Insurance Policies is ideal for those seeking worldwide coverage (including home country) with comprehensive medical benefits including maternity, mental health, wellness (preventive check ups) and medical evacuation.
There are two broad types of International Health Insurance Plans: Scheduled or Fixed Benefits Major Medical Plans.
International Health Insurance Plans - Scheduled or Fixed Benefits Major Medical Plans
As the name states, Scheduled or Fixed Benefits Major Medical Plans offer Scheduled or Fixed International Health Insurance benefits. The fixed benefit plans have a maximum coverage up to $5 million, but sub limits apply to most types of medical expenses like hospitalization, X-Rays, Diagnostics, doctor's fees etc. Below are a listing of some fixed benefit international medical insurance plans:
International Health Insurance Plans - Comprehensive Major Medical Plans
As the name states, Comprehensive Major Medical Plans offer Comprehensive International Health Insurance benefits. The comprehensive plans have a maximum coverage up to $5 million and NO sub limits apply to most types of medical expenses like hospitalization, X-Rays, Diagnostics, doctor's fees etc. Below are a listing of some Comprehensive international medical insurance plans:
International Health Insurance Plans - Summary of Benefits
Below is a summary of terms used international medical insurance plan benefits:
Emergency Medical Expenses:
The plan will pay for Hospital, in-patient and out-patient medical expenses incurred due to the treatment of injuries or illness occurring during the trip. Covered expenses include hospital room, intensive care, surgery, diagnostics, X-rays, tests etc.
Dental Expenses
Most plans include accidental dental coverage (expenses related to teeth injured in an accident) but very few offer emergency dental coverage (expenses related to sudden tooth ache, infection etc.).
Organ Transplants
Most plans include coverage for expenses related to organ transplants.
Mental Health Expenses
Most plans include accidental dental coverage (expenses related to teeth injured in an accident) but very few offer emergency dental coverage (expenses related to sudden tooth ache, infection etc.).
Preventive & Wellness Checkups
Most plans include accidental dental coverage (expenses related to teeth injured in an accident) but very few offer emergency dental coverage (expenses related to sudden tooth ache, infection etc.).
Prescription Drugs
Most plans treat prescription drugs as emergency medical expenses and hence covered.
Pregnancy & Maternity Expenses
In the event of pregnancy and child birth a few select plans will pay for the associated costs. This benefits is only available to those who have been covered by the plan for a certain minimum number of months (the minimum number varies by the plan).
Emergency Medical Evacuation:
If the attending Physician determines that adequate medical treatment is not locally available, the plan will pay for evacuation to the nearest adequate medical facility.
Emergency Medical Re-union:
When Emergency Medical Evacuation or Repatriation is ordered and the attending Physician recommends that a family member travel with the Insured, the program will pay for the costs of a person accompanying the insured.
Accidental Death & Dismemberment (AD&D):
In case the Insured is injured or dies in an accident during the Trip, the policy will offer certain pre-determined amounts for loss of life, loss of one limb, loss of two limbs, loss of eyes etc..
Flight Accident or Common Carrier Accidental Death & Dismemberment (CADD):
In case the Insured is injured or dies on a commercial flight during the trip, the policy will offer certain pre-determined amounts for loss of life, loss of one limb, loss of two limbs, loss of eyes etc.
Home-country Coverage:
During a long USA stay (H1B, H4, J1 workers, F1, F4 students, Green Card holders awaiting citizenship) if you have to make unexpected short incidental trips to your Home Country the plan can extend coverage in India as well.
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