Serious Accident or Illness Abroad

You’re in a foreign country and a medical emergency strikes.  What do you do, where do you go, who do you call?

Medical Insurance Coverage outside your home country … You are seriously injured, or have a sudden severe illness and all you want is to get home, or at least to a hospital that can properly treat your condition. The problem is,  you are in a foreign country and the hospital you are taken to doesn’t appear to be up to your standards. They don’t speak your language, and you are concerned you are not in a good hands.

Will your health insurance company offer a translator or approve a surgery on your behalf, will your school or place of employment step in for assistance?  Or pay the amount the hospital demands before they allow a doctor to see you?  Very doubtful!  What if you are taken to a public clinic NOT up to your standards?  What if it’s after hours or on the weekend, or maybe during a holiday and you can’t reach your health insurance company?   What now?

From NBC News: Retiree’s Overseas Insurance Nightmare With Med-Evac Denial

Don’t be stranded by your current health insurance carrier while outside the U.S.  International Health Insurance companies specialize in this very diverse, global medical field.  They understand how difficult traveling, living and studying abroad can be when a medical crisis strikes.

Stranded in the wilderness … Need a helicopter because it’s a field rescue on a dry creek bed, or a “fixed-wing” long distance transport to take you to your home country or to a modernized facility which can properly treat you.  What about the emergency ground transport to quickly move you to a hospital or air strip.  Who pays for these services?  You do.  Or if you have an International Health insurance policy, they will.

Is it covered?  If you’re lucky, the “ground” transport will be covered by your domestic health insurance or Medicare, but that is not always the case.  Unfortunately the two emergency air-transport services are not covered expenses with either an employer sponsored health insurance plan, your individual domestic policy or Medicare.

“Finding a doctor in Marrakesh is easy, finding one who has been to medical school, that is where I come in.”

Emergency Evacuations … Emergency Evacuation services through International Health Insurance provides 24 hour, 7 days a week access.  No matter where you are in the world, and in need of emergency or non emergency care, you will have the quality care you deserve from medical professionals you expect.

You may be on a work assignment in South Africa, studying in Spain, on a holiday cruise in the Caribbean, a safari in Kenya, hiking in the Andes or on an oil platform in Nigeria.  In other words, you could be anywhere for any reason.  if you need medical help, our International Health Insurance coverage provides coordinated services with comprehensive medical coverage to help with; language barriers, locating quality medical care and transporting you to an appropriate hospital.

Medical Emergency Abroad … If you are experiencing a medical emergency abroad and need air transport, with one call, your International Health Insurance company will coordinate and arrange all of your transportation needs.  With only domestic health insurance you will be responsible for arranging everything from a emergency ground transportation, discharge from a local hospital so air evacuation services can transfer you to adequate facilities.  Transportation may require medical personnel to accompany you to a different hospital facility, or back to your home country.

U.S. Department of State: “In many places of the world, doctors and hospitals still expect payment in cash up front, before you are seen by a doctor. You can’t simply give them your insurance card and expect it will go through. If your policy doesn’t go with you when you travel, it’s a very good idea to purchase a separate policy for your trip.”

“Non-Emergency” situations … you are provided great coverage.  Need to fill a prescription, see a doctor for a stomach ache, have a doctor check a sprained ankle or simply receive a check up.  International Medical Coverage is very comprehensive and can be used wherever you may be in the world.

And Remember … Medicare does not provide any coverage while outside the U.S.

Questions or concerns, feel free to call anytime.

John Conner
916-682-1117
john@johnconner.com

If you have a friend or family member traveling abroad please have them call.

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Author: John Conner

Medicare, Dental and International Medical coverage.

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