Do You Need Medical Evacuation Insurance? Probably not if you have the right international coverage

Business travelers work overseas on a regular basis may seem like prime candidates for medical evacuation insurance, but that isn’t often the case.

Medical evacuation insurance provides coverage to travelers who need medical care, but are in a location that doesn’t have the resources to fully treat the condition. The key benefit of  insurance is covering the cost of transporting someone during an emergency situation from a remote location to the nearest hospital and connecting individuals with an international expert, who can help make these arrangements.  
 

what is medical evacuation and repatriation coverage

Some plans will pay for you to return home, if necessary, and for other expenses. It can be purchased short-term, to cover individual or group trips, or on a yearly basis.  But these plans do not actually cover the medical expense itself.

If you have a comprehensive international medical plan, which frequent international travelers should have as part of the insurance package provided by their employer or an individually purchased package, you’ll be covered for medical evacuation if needed. That means a separate policy generally isn’t necessary.

When Emergencies Happen

In the case of an emergency, international medical insurance coverage will provide medical evacuation to the nearest hospital or facility that can treat the emergency. This is initiated by contacting the insurance provider who will coordinate with on-call physicians to determine a location where you can receive the necessary care with the quality you deserve. Once the patient is stabilized at that facility, he or she can choose to be treated at another facility if they desire. Additional coverage that allows the person to be treated in the United States is available as well.

A specialized international plan will even go one step further and provide support for an emergency medical reunion if a family member needs to travel to the insured, who is in critical condition, or additional costs to send minors back home. Furthermore, if the unthinkable occurs, the plan will include repatriation costs back home for the human remains. 

Payment to the medical evacuation company will typically be made by the insurance company. Payment for the medical services may be conducted directly or via reimbursement based on the provider network of the insurance carrier. In these extreme circumstances, it is critical to remain in constant contact with the insurance company about care given to ensure all costs will be covered by the plan. 

Additional Coverage for Risk-takers

Many policies offered by employees cover injuries that occur while participating in everyday recreational sports, such as biking, hiking and golf. But if you’re a thrill-seeker, and plan on doing things such as parasailing, mountain climbing, scuba diving or off-roading, you may want to consider personal accident insurance, a separate policy that may cover these adventurous, high-risk activities.

If you are purchasing your policy individually, you can try to secure that added coverage as well.

In Conclusion … Don’t Spend More than You Need to

So do your homework before purchasing a medical evacuation policy to ensure that coverage isn’t already provided in your current international health insurance plan. Next time you are comparing international medical insurance plans, make sure that medical evacuation coverage and repatriation are a part of the package for the best, seamless coverage. For more information on comprehensive health insurance, find out about Clements’ GlobalCare international health insurance plan, which provides health insurance across borders in 170 countries with medical evacuation included. 

Learn More on International Health Insurance Plans

Call us today at +1.202.872.0060 or 800.872.0067 or e-mail request@clements.com to discuss your insurance needs.