International Health Insurance

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International Health Insurance

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What is International Health Insurance

International Health Insurance is a type of insurance policy that offers coverage for medical treatment in a foreign country. The policy offers financial protection against medical emergencies, hospitalization, and accidents during your travels or stays abroad.
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.
health insurance cover

How Does International Medical Insurance Work?

International health insurance is specifically designed to cover your medical expenses in a foreign country. So it works in the following two situations:

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

International health coverage in the UAE includes the following services:

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

International insurance offers the following healthcare benefits to the policyholders.

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?

An international health insurance plan is vital for the following reasons.

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.

Things to Consider to Buy the Best International Health Insurance Policy

Some valuable tips to help you choose the best international health insurance plan are listed below:

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?

Please follow these simple steps to purchase an International health insurance policy online.

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.