5 things you should know about medical travel insurance!

Medical travel is rapidly becoming the norm. We have all heard of someone who has travelled overseas for cosmetic surgery, dental treatments and/or various medical procedures. It’s no wonder. Imagine being able to obtain high-quality medical care at a much lower cost, a reduced wait time and enjoying a short holiday in a beautiful tourist destination!

If you are seeking medical treatments yourself and are serious about having a procedure performed overseas, you need to start thinking about the right insurance cover.

These are 5 things that every medical tourist should know:

  1. Your health insurance will NOT cover any medical treatments or procedures while you are overseas. This is why many travellers will take up a travel insurance cover. This gives them peace of mind while they’re abroad as these policies will typically provide cover in situations such as:
    • accidents requiring medical care or procedures, 
    • trip cancellations or extended delays, 
    • unforeseen complications resulting in additional accommodation and transport

  2. The standard travel insurance only covers medical care in the event of an accident while you are abroad. It will NOT cover any elective procedures or treatments you plan to undertake abroad. This means you need a specialist medical tourism insurance cover.

  3. Your specialist medical tourism insurance policy may not be comprehensive! Be aware that it may cover only some parts of your elective procedure and may not cover complications that result from the medical procedure.

  4. You may still need travel insurance! Check if the medical tourism insurance features the standard travel insurance cover, like that from medicaltravellerinsurance.com. You want to ensure you are covered for any accidents or unforeseen circumstances while you are travelling overseas for medical treatment.

  5. Always disclose any pre-existing medical conditions to the medical insurance company. Be honest so that you are properly advised by the insurer and work out the appropriate cover for you.

If you haven’t embarked on a medical journey before, you may want to consider travelling abroad but a little closer to home. It is less stressful if you do not have to travel as far.

Always look for internationally accredited hospitals and medical facilities. The Joint Commission International (JCI) awards many hospitals and health care facilities with the Gold Seal for their achieving and maintaining world-class standards.

Ask for recommendations from family and friends who have returned home from their own medical tourism journey. To start, you can read some reviews here.

Disclaimer: The information in this guide should be taken as general advice only and the full policy details should be reviewed to see if the policies are right for your own circumstances.

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