Eligibility Requirements of International Travel Health Insurance Plan
Whenever you?re traveling, you?ll feel more secure if you have international insurance. You never know what could happen. You might lose your luggage or encounter health risks and need immediate medical attention or even evacuation. Having an international insurance policy with worldwide coverage is better than just having a travel plan.
Unlike with a travel policy, with your international medical insurance policy you will be covered anywhere in the world including your home country! Preventive care, maternity and pre-existing conditions are also usually covered after a waiting period with international insurance, unlike travel insurance.
But before you make the most out of the benefits provided by international insurance health providers, you have to meet the eligibility requirements that they have set. You may be of any age and of any nationality and of any status, but you must still comply with certain requirements.
For example, many of the international insurance policies place restrictions on the duration spent by the US citizens in their home country. Some of the policies state that US citizens must reside outside their native country or leave the United States on a particular date and live abroad for a period of at least 6 months. However, these restrictions are relaxed in the case of non US citizens.
You may be as young as 14 days or as old as 74 years. You can apply for international health insurance with worldwide coverage. However, most international insurance providers do not allow those who are older than 74 years to apply for a new policy. People older than 74, could continue to be covered by the same policy if they have been covered continuously by the international insurance policy for several years before they turn 74.
The international medical insurance policy that you opt for can also be available for your family. If you are married and have children, your family can be covered under the same international health insurance plan. Some plans offer free coverage for children if both parents are covered under the same plan.
Newborns are typically covered from birth for illnesses provided the mother of the baby is covered by the insurance policy and qualifies for pregnancy coverage under the plan. Newborns are required to be included under their parents plan within 31 days of the date of birth.
Both individuals and families can enroll for the International Health Insurance. In case of family coverage, incentives are offered by the insurance providers. But to avail some benefits like preventive care and also maternity coverage, you may require waiting for 12 months.