International Health Insurance With Global Coverage
For people planning any travel, especially outside the home country, it is an absolute must to be covered by an international insurance package for a safe and secure trip. Any travel involves risks like stolen baggage, health complications and emergency scenarios demanding immediate evacuation. An international insurance policy is the answer to all these possible nightmares during a trip.
International insurance policy not only covers you in your home country but across many countries of the world. Unlike travel insurance policy, international travel medical insurance covers maternity, preventive care and also pre-existing conditions after a pre determined waiting period.
In order to enjoy full benefits of your international insurance package, you need to meet some eligibility criteria which would be mentioned by your insurance provider irrespective of your age, nationality and status. It is compulsory to comply with these 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.
You can also cover newborn babies for any illness right from their birth if the mother qualifies for pregnancy coverage under the insurance plan she has applied for. You need to also include the newborn baby under the insurance plan within 31 days of birth.
Both individuals and families can be enrolled for an appropriate International Health Insurance plan. In fact, if the family is insured as a whole, it would be highly beneficial as you would get a lot of incentives. However, some of the benefits like preventive care and maternity coverage require a minimum waiting period of 12 months before you can avail the incentives.