Eligibility Requirements of International Travel Health Insurance Policy
While you plan your travel, you can ensure a secure trip if you are covered by an international insurance plan. Traveling involves many inescapable risks. Loss of luggage, medical emergencies and evacuation are some of the most vital complications that could arise during your travel. To protect you from these complications, it is an absolute must to avail of an international insurance policy which provides worldwide coverage.
Once you opt for an medical insurance for international travel policy with worldwide coverage, you are protected not only in your home country but also during your travel abroad across many countries in the world. However, in the case of international insurance, you may have a predetermined waiting period to avail of certain benefits like maternity and preventive care.
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 can apply for insurance when you are as young as 14 days or even at the age of 74 years. But when you cross 74 years, you would be covered under the same policy if you have been covered continuously by the insurance provider in the past. Most of the providers do not allow you to apply for a new policy.
You can cover your entire family under a single international health insurance policy plan. It works out beneficial for you if you cover your spouse and kids under the same plan as some of the international health insurance providers offer free coverage for the children if both the parents opt for the same insurance plan.
In the case of newborn babies, if the mother is covered by insurance and also has opted for pregnancy coverage, the babies are also covered for any illness right from their birth. But you need to include the newborn under the insurance plan of the parents within 31 days of birth.
International Health Insurance enrollment permits both individual and family coverage. Many plans offer incentives for family coverage. A few benefits like maternity coverage and preventive care may require a 12 month wait before becoming available to the enrollees.