Do You Have World Health Insurance?
When most people get an insurance policy, they make a lot of assumptions about their coverage. One common assumption is that they are covered no matter where they are in the world. Typically, this is not true. Most policies have a geographical clause in them. It is very important that you read your policy thoroughly, and don’t make any assumptions about your coverage.
One reason that most insurance companies don’t have world health insurance is because health care systems differ from country to country. For your average health care provider, it is impossible to give world health insurance.
So what do you do if you travel frequently to do different countries? If you are a frequent traveler, you have a few different options when it comes to global health insurance.
Your first option is to get temporary insurance for the region that you are traveling in. There are a lot of companies in The United States that will insure you around the world, but you have to set it up before you leave the country. Insurance rates and plans are going to be determined by the region you are visiting.
Your next option is to find a global health care package. These packages can be hard to find and can be expensive, but they are vital for any traveler. One key feature of these packages is global assistance. If you are in a foreign country, it can be hard to communicate with doctors, or to find an appropriate hospital. Most global health insurance packages have a 1-800 number that you can call so you can talk to an agent who can help you. These people can help translate for you and give you directions to the nearest hospital.
If you are a frequent traveler, you need to make sure that you pack a good insurance plan for your trip.