Short-Term International Health Insurance
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Introduction
Foreign travel is filled with a lot of fun and excitement. Travel junkies explore new places, students pursue new courses, businessmen strike new deals, and families bond with their loved ones in a distant land. However, a medical emergency abroad can spoil all your fun and leave you in a mess. To make matters worse, you may not have health insurance protection in a foreign country.
You cannot predict or prevent medical emergencies. Therefore, health insurance coverage is necessary to save you against potential hardships in a foreign land. Read on to learn more about short-term medical insurance for international travel.
What is Short-Term International Health Insurance?
Many people travel abroad for short durations that typically do not last beyond a year. This includes tourists, students, working professionals, businessmen, and those visiting their family members or relatives. A short-term international health insurance policy provides coverage to such people. It pays for all their medical treatment and related expenses during their stay abroad.
Short-term international health insurance plans cover both emergency treatments and regular healthcare services in a foreign country. The plans are highly flexible and can be customized to your specific requirements. The coverage of most plans includes the following services:
Regular medical check-ups and general consultations
Diagnostic procedures and prescription medicines
Hospitalization and out-patient department (OPD) services
Pre-existing diseases and chronic health conditions
Further, you can purchase specific add-on covers along with the primary policy to cover maternity care, dental treatments, emergency evacuation & repatriation expenses, etc.
What is the Coverage Period for Short-Term Plans?
Most short-term international medical insurance plans have flexible policy tenures of up to 11 months. The coverage usually does not extend beyond a year. These plans are ideal for periods between 3 to 11 months. You can opt for regular travel insurance plans if your stay abroad is less than 90 days (or three months).
Importance of Short-Term Health Insurance for International Travel
An exhilarating foreign trip can turn into a nightmare if you fall sick or meet with an accident during your stay abroad. Getting access to good healthcare facilities can be difficult and expensive in many parts of the world. The situation can turn fatal if the right intervention is unavailable to patients at the right time.
Short-term health insurance for international travel can protect you and your family by facilitating timely medical care and alleviating your financial worries. The flexible nature of these plans ensures that you get optimal insurance coverage suited to your budget and unique requirements.
Benefits of Short-Term International Medical Insurance
Comprehensive Coverage
Short-term plans cover a wide range of services, including regular medical care, emergency medical care, pre-existing diseases, and chronic health conditions. Specific add-on covers can be chosen for specific conditions and enhance your coverage.
Emergency Evacuation
Travelers may need quick medical evacuation if proper services are not available in a foreign country. The repatriation of mortal remains to their home countries in the event of an unfortunate death involves significant expenses. Short-term international health insurance plans cover these costs either in the primary policy or through an add-on cover.
Flexible & Convenient
A host of health plans and add-on covers are available to cater to individual and family needs. Short-term international health insurance plans can cover different tenures beyond three months and up to a year.
Value for Money
These plans provide economical options for budget-conscious customers. They can choose the lower sum assured for locations with good healthcare facilities and enhance the coverage if they are travelling to remote destinations.
Peace of Mind
Last but not least, health insurance coverage offers peace of mind to travellers by providing financial protection to face health challenges. Remember, a medical emergency can ruin your trip and empty your pocket, too!
What are the Differences Between Short-Term Health Plans and Travel Insurance?
Both travel insurance and short-term international health insurance plans focus on providing insurance coverage for foreign travelers. However, there is a stark difference between the two.
Travel insurance covers medical emergencies and travel-related inconveniences such as trip cancellations, flight delays, lost baggage, etc. Short-term international health plans cover various types of health conditions that may arise during a foreign trip. They do not cover non-medical expenses related to foreign travel.
How to Buy Short-Term International Health Insurance Online?
Step 1
Visit the official website of Prominent Insurance Brokers. Enter your details in the short-term international medical insurance quote form.
Step 2
Once you provide all the required details in this form, click on the ‘Submit’ button.
Step 3
One of our executives will soon get in touch with you. You will be guided by our team of experts to buy the best short-term 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 Short-Term International Health Insurance
Short-term international medical insurance is suitable for tourists, working professionals, or other people who go abroad for short durations, i.e. less than a year. The policy covers both general health care and emergencies during your stay abroad.
Travel insurance covers only medical emergencies. However, a short-term international health insurance policy covers a wide range of medical services. Whether you need a routine scan or a major surgery, the expenses are covered under these short-term plans.
You can buy a regular international health insurance policy if you plan to move abroad or stay in a foreign country beyond a year. This policy covers both regular and emergency medical services during your stay abroad.
