Commercial Health Insurance
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A Buyer's Guide to Medical Insurance
Ashlee Hovsepian
Buying travel health insurance can be a complex task. There are so many different
plans - each with different benefits and restrictions.
It is important to shop wisely for trip insurance. Many people buy coverage
that seems inexpensive only to find out that they are not adequately covered
when a medical emergency occurs. Below are a few key questions you should ask
your insurance provider before purchasing trip insurance:
•What is not covered by the policy? Insurance companies call these "exclusions,"
and every policy has them.
•Are there specific exclusions relating to sports or other activities?
•Does the plan have a deductible that you must pay each time you file a claim?
•Does the plan deny benefits if your medical emergency arises because of a "pre-existing
condition or health problem”?
Knowing the answers to these questions can help you avoid unpleasant surprises
when you make a claim. Make sure you understand exactly what your trip insurance
plan covers. When in doubt, call your insurer. A reputable insurance company
can give you straight answers to your questions. Most offer toll free numbers
so you can call them directly from wherever you are.
If you find that a plan has too many restrictions and complications, or that
your questions are not being answered satisfactorily, do not hesitate to look
somewhere else.
A comprehensive travel health insurance plan usually covers the following emergency
medical expenses:
•Hospital accommodations
•Medical bills such as those for a physician, surgeon, and anesthetist
•Ambulances
•Diagnostic services such as laboratory tests and x-rays
•Private registered nurses
•Medical aids such as slings or splints, and the temporary rental of wheelchairs
or walkers
•Prescription drugs
•Cost of returning a deceased back home
Remember that when it comes to insurance, you get what you pay for. When shopping
around for trip insurance, it is important to keep in mind that not all insurance
policies are alike. Be aware of minor price variations between insurance companies
(the cheapest may not be the best company to deal with when you have a claim.)
About the Author
Johnny Mangiante is an online journalist. He is also the editor and webmaster
for many websites. For more information see Travel
Medical Insurance for Visitors to Canada.
Article originally published at http://www.visitorstocanada.com/buyersguide.html.
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International Travel and Health Insurance
David M. Schmader
Embarking on Your Dream Vacation
Are your Plans Complete?
Your bags are packed, passport and papers in order and you couldn’t be in a
higher state of excitement preparing for travel to that wonderful, exotic location.
This is the vacation you have planned it seems forever. As you sit on the plane,
you and your partner discuss for the hundredth time the scuba diving you will
do, the awesome rock climbing and hikes into the rain forest. Everything is
perfect!
Life seldom gets better than this.
Despite all the excitement of travel, Americans do have some concerns.
According to a survey by the Chubb Group, more than 70% of Americans surveyed
said their greatest concern when traveling is suffering a medical emergency...more
than double the fear of being mugged (30.7%), three times the fear of being
injured in a terrorist attack (23.4%).
What happens if a medical emergency arises when traveling overseas?
Many people assume that while they are out of the U.S. or Canada they will be
covered by their standard medical plan. However, most traditional health insurance
plans are not designed for international travel.
According to the U.S. Department of Commerce, approximately 27 million travelers
board U.S. airlines for overseas destinations and almost 26 million foreign
travelers come to the U.S. each year. However, many are not prepared for a medical
emergency abroad.
Most traditional health insurance plans would not cover an unexpected illness
or injury during international travel. But travelers with international medical
insurance would have protection for scenarios ranging from a local ambulance
trip to an emergency evacuation for care at the nearest qualified medical facility.
Some even offer repatriation flights out of the country where the traveler is
located back to the US.
Available plans can cover individuals or groups for specific periods of time
abroad and can be in effect should they be stationed abroad for an extended
period of time. There are policies for corporations to insure their personnel,
plans to cover missionaries who are on an outreach program and for those participating
in extreme sports. International travel medical insurance should be considered
for anyone traveling or living abroad.
©David M. Schmader, Solon, Ohio January, 2005
www.brownschmader.com
About the Author
David Schmader is an independent broker agent located in the Cleveland Ohio suburb of Solon, Ohio. With over 25 years of corporate finance experience he specializes in serving the individual, professional and small business markets.
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