Global families, students and Employees on foreign assignment living in South America will need to carefully plan their trip along with quality medical coverage for themselves and family.
When choosing an international medical plan, a person typically has two choices;
- Short-term plan which provides medical coverage for up to 6 months.
- Long-term plan which is for more than 6 months and up to permanent.
- GeoBlue, has both short and long term plans
- Cigna Global, provides long term plan only.
Most if not all domestic health insurance policies fall drastically short of benefits when you cross the U.S. border. Workers compensation policies also lack the ability to properly cover its member while in foreign lands.
International health insurance companies like GeoBlue Worldwide and Cigna Global are specifically designed for this global medical insurance market. A few days up to several years. Make sure you take along a policy fit for the needs of a person living away from their home country,
GeoBlue Travel Health Insurance company has a very popular “App” for any mobile device which allows you to easily search for and locate; doctors, hospitals, pharmacies, medicine equivalents, medical translations, embassies, emergency information and much more.
Ideal for anyone traveling or living abroad; Families, employees, contractors, students, missionaries and expatriates.
The Mobile App will: Request an appointment, find doctors and specialists, find prescriptions and medicine, translate medical phrases and terms and even fax your ID card to a local doctor or hospital.
Countries of South America which you will want to consider International Health Insurance: Brazil, Columbia, Argentina, Peru, Venezuela, Chile, Ecuador, Bolivia, Paraguay and Uruguay.
Common International Health Insurance policies are for:
- Employees living and traveling abroad.
- Students studying and living outside their resident country.
- Group Health – multinational companies with medical exposures in multiple countries.
- Families vacationing and or living around the world.
- Missionary work.
- Medicare Members vacationing or living abroad for part of the year.
- High Risk coverage for conflict areas.
Obtaining healthcare in some parts of the world can be tricky. Some hospitals won’t provide any treatment–or won’t allow a patient to be discharged–until the hospital has received a guarantee of payment. Such guarantees are commonly provided by travel insurers, in conjunction with assistance providers, but rarely by other insurers or managed care plans. This means you’ll have to pay in advance, perhaps as much as tens of thousands of dollars, with your credit card. Of course, for this to work the hospital must accept foreign credit cards and your card must have a sufficient credit limit.
In addition, remember that leaving your destination–for a place with higher quality medical care or to return home where your regular insurance is accepted–can be difficult. Medical evacuations are tricky to arrange and there are some air ambulance providers who should be avoided.
Worse, local authorities may have financial ties to certain evacuation companies. The solution? Most travel insurance includes a medical assistance benefit, which is critical. It gives you 24/7/365 access to a company that will arrange an evacuation for you with a creditable evacuation company–or, through their medical personnel, can help assure that you’re getting appropriate treatment locally.
The assistance company will also be available to help with other travel related problems such as legal troubles, lost passports or credit cards, etc. Emergencies are rare but everyone should have a contingency plan.
Medical Emergency Abroad …
If you are experiencing a medical emergency abroad and need air transport, with one call, your GeoBlue International Health Insurance company will coordinate and arrange all of your transportation needs.
With domestic health insurance you will be responsible for arranging everything from a “field rescue” to the ground ambulance transportation, to the air transport to a hospital or back home. Air transportation to a different country if you need it.
What if you are taken to a hospital that is not up to your standards, or they cannot properly treat you condition. With one call GeoBlue will coordinate your transportation to a medical facility which can properly treat your condition, even if it means flying you to a different country, or maybe back home.
No Cost Help … there is no charge for my services. The insurance companies provide a fee for me to help with coverage options, enrollment and service.
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