Traveling to the Middle East for a long term work assignment, or for study, or as a contractor working abroad.
International Travel Medical Insurance protects you in many ways. It offers access to quality medical professionals regardless of where you are in the world. The coverage benefits are typically better than some of the best domestic ACA plans.
You have 24 hour access to a team of specialists waiting to help you through your situation or provide you with information pertaining to where you are.
Your plan can provide long term coverage for you and your family, who need coverage for a year, several years or up to permanent protection.
You have custom phone and tablet apps that allow you to search for doctors and hospitals in your area and view their profiles. Fill prescriptions, schedule appointments, forward you ID card or show proof of insurance.
Also, make sure your policy includes “emergency medical evacuation.” This coverage provides air evac services to a medical facility that can properly care for your illness or accident. The air transport can take you to another city, country or back to your home country for care. Many parts of the world have limited medical services. If you find yourself in one of these area and need medical attention, you can be assured your international medical coverage will pay for the emergency evacuation services so you can be cared for by medical professionals.
Quality long term international medical companies like Cigna Global and GeoBlue, use a contracted doctor network which has been established around the globe. These network doctors offer direct payment from the insurance company so you don’t have to pay for the services. These companies also allow you to see out of network doctors and hospitals with no out of pocket penalty.
If you enroll into a long term (more than 6 months) individual or family international plan yo will need to answer some medical questions pertaining to your current and past health status. After the review the company will either approve your enrollment or decline it.
Medical underwriting review at the time of application prevents the company from scrutinizing every claim and looking back at your pre-existing conditions. Most other companies will have very limited underwriting at the time of application, but will thoroughly review every claim that is submitted and may determine the claim was the result of a pre-existing condition and decline the claim.
Please contact me anytime so we can discuss which company will work best for you.