Even if you have the normal insurance covering health and life with some insurance company at your place, it is sensible to have overseas health insurance policy while traveling. Insurance companies offer their custom made travel health plans to people who are on the move more than normal. Having travel health insurance means the normal health coverage insurance in the other country during the time the person is there. If your normal health insurance provides the same coverage in other countries as well then obviously there is no need to acquire an extra travel health insurance policy. Unfortunately, that is not the case always as mostly the insurance health plans are limited to the land where they were purchased and even if the coverage is provided for other countries, the amount that can be reimbursed is not equal to the amount that can be reimbursed in the country of purchase.
Although, apparently it looks like an extra expense to purchase the new policy for traveling needs, but the reality is quite different. Travel insurance for health is available at very nominal charges with very reasonable premium. If you compare it with the cost of treatment in other country, then the amount you spend to purchase the policy and the premium is literally nothing more than peanuts. There are few diseases which are specific to a particular area, so there may be some disease which is not covered in your normal insurance policy for health. A traveling health insurance policy can cover such ailments as well. So, you can rule out the cost factor, from reasons of rejections for buying a traveling health policy.
If you are out on vacations with your family or arrived in other country for business purpose, a travel insurance for health policy gives you the free mind to enjoy the trip rather than worrying about the quickly vanishing funds spending on doctors’ bills and medical facility charges.
- It is important to check the reputation of the insurance company before opting for their travel health insurance policy. There are many online forums present where people keep on sharing their views based on their experience with a particular insurance company. This will help you to determine if the company really provides the service efficiently in other country as they claim or not. Not specific to health travel policies, in general the insurance policies come with many technical clauses, so it is important to read the fine prints and understand the writing between the lines to avoid any unwanted surprise at the time of claim or reimbursement.