Long Term International Travel Medical plans for long-term work or travel come in many different forms.
A long term plan is typically going to be 6 month or longer, even up to permanent policies. Some companies will design their policy as a comprehensive package providing coverage for most needed areas such as, hospital, outpatient, rx, surgery, physical therapy, lab and x-ray and more.
Other policies you may want to look at are called “modular” policies. They offer optional benefit modules so your can design the policy that makes most sense for you and the location you will be living in. It starts with a core module which is not optional. It includes; hospital, surgery, maternity, cancer care and chemotherapy or radiation, MRI, CT Scans and other radio-logical services, ambulance and pshych services.
Optional modules are: outpatient care, emergency evacuation, wellness and dental/vision.
The module style policies are quickly becoming very popular because of the flexibility. For example you may be working or living in a country where you can receive outpatient care equivalent to $30 or $40 per visit. In this case the outpatient module may not be necessary.
I will always recommend “emergency evacuation” services to be included in your policy. This may be a life-saver for you or a family member. If you are injured or become ill and the local medical services are not capable or prepared to care for you properly, the “evacuation” service will fly you to a different location, maybe a different country or even back to your home country for care. This is very important coverage to always be included in your policy, long or short term, for work, study, vacation or cruise. Please include it.
Claims is another area of vital importance. Most international Travel insurance companies approve your policy but will “investigate at the time of claim.” During the investigation they will determine if the claim is caused by a pre-existing condition or not. If they believe it is, they will deny the claim, if they do not think it is from a pre-x, the claim is paid.
The problem here is, many companies leave this area very open and can consider almost anything pre-existing. (See below)
Both GeoBlue and Cigna Global will review the enrollment before approving the application.
A company that does a little medical review when the enrollment is submitted will usually either accept your application in which case they will not review for pre-existing conditions at the time of claim. Or they will exclude a pre-existing condition for 6 months. At least with this type of policy, you are much more certain what is going to be paid and what is not. If the company does not issue any waivers for pre-existing conditions, you can be certain you will not have claims denied because the company considers them pre-x.
Please contact me anytime for a quote or more information.