International Health Insurance
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What is International Health Insurance
International Medical Insurance is required for people who travel frequently and those who go abroad for work or higher education. It covers both emergency treatments and regular healthcare services.
How Does International Medical Insurance Work?
Medical Treatment Abroad
You may have to go abroad to avail of medical treatment if your health condition is severe and needs advanced healthcare services
Moving Abroad
You may plan to stay abroad for a longer duration due to work or education.
Overseas health insurance gives you quick access to the best private hospitals, and you need not depend on public healthcare systems in foreign countries.
Importance of International Health Insurance in the UAE
An international health insurance plan gives you medical coverage all around the world. It provides coverage if you want to go abroad for better healthcare services. It is also essential if you are planning to stay longer overseas for work or higher education. The policy is beneficial in foreign countries with unfamiliar systems and language barriers.
International Healthcare Insurance covers both inpatient and outpatient services. You can get the benefit of cashless Treatment for emergency and routine medical treatments. All your medical bills will be directly paid to the hospital by the insurer.
International Health Insurance Coverage Options in the UAE
Inpatient Medical Treatment
This covers the cost of hospitalization, surgeries, ICU, and laboratory tests.
Outpatient Medical Treatment
This covers doctors’ consultation charges, pharmacy bills, diagnostic tests, and vaccinations.
Daycare Procedures
This includes treatments that require less than 24 hours of hospitalization. E.g., chemotherapy, dialysis.
Long-Term Treatments
Certain lifestyle diseases, such as asthma, diabetes, and heart ailments requiring long-term medical care, are also covered. The policy also covers pre-existing health conditions.
Other Expenses
Other expenses related to maternity care, preventive care, and ambulance charges are also covered.
Treatment in a network hospital is eligible for cashless claims. But if you choose a hospital outside the network, you can file a claim for reimbursement of medical expenses.
Benefits of International Health Insurance
Coverage for emergency & routine medical treatments all across the globe.
Access to private healthcare facilities having English-speaking medical teams in countries where English is not widely spoken.
A vast network of hospitals around the world provides cashless treatments without the need to spend a single penny.
Most foreign health insurance plans also provide coverage for pre-existing diseases.
The policy can be bought by any person irrespective of his age and health condition.
Why Do You Need International Health Insurance in the UAE?
Comprehensive medical coverage offers complete peace of mind while you travel or stay in foreign countries.
It prevents financial hardships for policyholders and their families during times of medical emergencies. You can get the best treatment in a foreign country without worrying about costs.
Overseas medical insurance is beneficial for students and other professionals who go abroad for longer durations.
The scope of insurance coverage can be extended or customized by purchasing add-on covers.
What is the Difference Between International Health Insurance and Travel Insurance?
Travel Insurance
Travel insurance is suitable only for short-term travel plans like family vacations and business trips. The duration is typically less than six months. The policy covers medical emergencies and non-medical benefits like lost baggage & trip cancellation claims. Travel insurance does not provide coverage if you want to travel abroad only for availing medical Treatment.
International Healthcare Insurance
International healthcare insurance is required if you plan to move overseas for work, higher education, or any other reason that entails a long-term stay in a foreign country. The policy covers both medical emergencies and routine medical treatments. But it does not provide any coverage for non-medical expenses.
Things to Consider to Buy the Best International Health Insurance Policy
Network Of Hospitals
The insurance provider should have a wide network of good hospitals & clinics across the world. This ensures that you get immediate access to medical care along with the benefit of cashless treatments.
Coverage for Pre-existing Diseases
The worldwide health insurance plan must cover all your pre-existing diseases without specifying a long waiting period. Many insurers do not either do not cover pre-existing diseases or charge higher premiums for the same.
Out-of-Pocket Expenses
If you are fit & healthy, you can choose to lower your insurance premiums through co-payments & deductibles. These features help to reduce the premiums by shifting some burden of the expenses to the policyholder. Check whether you are comfortable with what you are required to pay in lieu of lower premiums.
Scope of Coverage
Check what the basic plan covers and excludes. Medical insurance abroad must cover evacuation services to move the patient to any place with good healthcare facilities. It is also essential to know the add-ons provided by the insurer.
Premium Payable
The premium depends on several factors like age, health condition, sum insured, pre-existing diseases, etc. The annual premium should be affordable and provide value for your money.
How Do I Get an International Health Insurance Plan?
Step 1
Visit the official website of Prominent Insurance Brokers. Enter your details in the international medical insurance quote form.
Step 2
Once you provide all the required details in this form, click the ‘Submit’ button.
Step 3
One of our executives will soon get in touch with you. You will be guided by our expert team to buy the best international health insurance in the UAE. You can make the payment online.
You can also click on the Whatsapp icon on this page and chat with our team members. You will be guided step-by-step to buy the policy online.
Frequently Asked Questions on International Health Insurance
No. It is not mandatory for people to buy international medical insurance. But it is recommended to get the coverage if you want to avoid medical & financial problems in a foreign land.
Travel insurance is only suited for short-term travel plans like holidays & business trips. These plans only cover medical emergencies during travel. But overseas health insurance plans are necessary if you plan to move abroad for longer durations like work or study. Moreover, these plans cover both emergencies and regular medical treatments.
The claim procedure is straightforward. Your medical bills will be directly paid to the hospital if it is part of the insurance company’s network. But you can pay the bill and claim reimbursement if the hospital is not part of the insurer’s network.
Disclaimer: The international health insurance policy or plan may have limitations, exclusions, and other terms & conditions that may affect coverage. It is essential to carefully review the policy wording before making any decision.