Emergency Health Insurance
Travel Health Insurance: Reimbursement Depends On Following The Rules
by: News Canada
(NC)—Travelling, whether for business or pleasure, involves risk. A personal emergency may necessitate an early return, or you may need hospital treatment or air evacuation due to a medical problem. Travellers should be aware that the Ontario government health plan (OHIP) is rarely enough when it comes to medical treatment outside the country, so without supplementary insurance during an emergency, you could be exposed to considerable financial obligations.
Travel health insurance policies vary considerably, says the Financial Services Commission of Ontario (FSCO), an agency of the Ministry of Finance that regulates Ontario's insurance industry. FSCO reminds us to pay special attention to the definitions, pre-existing condition clauses, deductibles, as well as the limitations and exclusions sections of the policies. Ask for clear explanations of each and once you are satisfied, make your insurance purchase. But even then, says FSCO, there is a bit more work for you to do — as follows:
Read the policy: Before leaving on your trip, read and become familiar with your policy and the coverage. It is your responsibility to know what you have purchased.
Take it with you: Include the policy with your travel documents. Keep both the emergency contact phone number available, as well as the number for your insurance company. Compile and include a list of current medications.
Get authorization (if possible): If a medical problem arises, the toll-free phone number provided will connect you to an emergency service centre. Be ready to supply all the facts and information and ask for clarification if you do not fully understand. Service centres manage and monitor your treatment and make the medical referrals. Before you go ahead with treatment however, be sure the service centre has obtained authorization from your home-based insurance company. If not, you may be personally obligated for medical services not approved.
Follow the payment process: Under some policies, you pay the hospital and are reimbursed later by the insurance company. Other policies provide payment directly to the medical facility or practitioner. The policy will tell you which procedure to follow.
More information on travel health insurance is available online at www.fsco.gov.on.ca. Or, for a copy of their booklet Shopping for Travel Health Insurance phone (416) 590-7298 (Toll Free: 1-800-668-0128).
- News Canada
About The Author
News Canada provides a wide selection of current, ready-to-use copyright free news stories and ideas for Television, Print, Radio, and the Web.
News Canada is a niche service in public relations, offering access to print, radio, television, and now the Internet media, with ready-to-use, editorial "fill" items. Monitoring and analysis are two more of our primary services. The service supplies access to the national media for marketers in the private, the public, and the not-for-profit sectors. Your corporate and product news, consumer tips and information are packaged in a variety of ready-to-use formats and are made available to every Canadian media organization including weekly and daily newspapers, cable and commercial television stations, radio stations, as well as the Web sites Canadians visit most often. Visit News Canada and learn more about the NC services.
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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