A+ Guide: International Health Insurance Versus Travel Insurance
Getting insured while being away from your home country is extremely essential. But, travel insurance and international health insurance are two different things. Which one should you pick if you are just going for a week under the sun or planning to live in a different country for a certain period?
International health insurance and travel insurance serve distinct purposes. While the two share some common features, it could be an expensive misconception to assume that your travel insurance is enough to secure you and your family when frequently traveling both at home and overseas.
To avoid getting unprepared with the wrong type of cover, make sure you choose which one best suits your needs.
Travel Insurance
Travel insurance protects you and your possessions from accidents and unforeseen events while spending a short time abroad. It often includes some type of health benefits, such as cover for accidents and emergencies.
It also secures holidaymakers and short terms trips overseas from issues like:
- Loss of luggage
- Flight Cancellation
- Loss of personal belongings
So when it comes to medical coverage, travel insurance is only for short-term emergency medical treatment, specifically within your area or period of cover. Its goal is to get a person well enough and safe to return home. So if long-term treatment is needed, he will usually be required to return to his country of residence, therefore, the coverage will automatically be ceased.
International Health Insurance
Meanwhile, international health insurance is not about a person’s lost luggage or delayed flights. It is entirely about your health and well-being. It gives you protection while living or traveling abroad whenever and wherever you need it.
More than the basic emergency medical needs, it may also include:
- Doctor’s visits
- Routine check-ups
- Treatment for serious illnesses or chronic conditions such as diabetes and cancer
International health insurance is best for expats to guarantee that they have access to quality healthcare when living in a foreign country. You can even make use of your insurer’s wide network of thousands of doctors and medical facilities worldwide.
So when it comes to medical emergency treatment, international health insurance is much more comprehensive and will usually allow you to choose where you want to get treated. Unlike with travel insurance, as long as you are fit enough to make your journey back, it will typically ask you to return home to continue treatment.
A+ International for your global healthcare needs
If you are planning a week to go on vacation, then travel insurance might just be the coverage you need. But if you are a soon-to-be expat or someone who plans to spend longer overseas, then international health insurance is a great investment and will give you peace of mind in case you need access to healthcare in the future.
But some people believe getting an international health insurance plan is expensive and intimidating but with A+ International Healthcare, it does not have to be. For as low as $28/month, EasyCare+ gives you international protection, whether you plan to travel or if you want to get the best healthcare locally. Each of our health plans is tailored to your specific needs. You can have access to a network of over 10,000 doctors, hospitals, and clinics in more than 150 countries.
Contact us to get in touch with our Brokers or Get a Quote now.
Since 2008, A+ International Healthcare has been providing best-in-class medical health plans around the world. To know more about our products and services, visit http://www.aplusii.com, or follow us on LinkedIn, Facebook, and Twitter for more updates.
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