Short Term international health insurance plans are designed for people who are traveling outside their home country for a period of less than 1 year. These international insurance plans are generally preferred by executives and missionaries who travel abroad for work or vacationers who are planning a trip overseas for a couple of months.
The short term insurance plans offer coverage benefits for all age groups and are most beneficial for those travelers who are less than 70 years old. Dependent children and spouse are also eligible for coverage under the short term plans.
These plans offer medical coverage benefits for injuries and illness that may require doctor consultation, hospitalization, surgeries and also emergency repatriation. Pre-existing medical conditions that already exist at the time of enrollment would not be covered under the short term insurance plan. In addition, these plans do not cover vaccination, dental care, diagnostic tests and routine check-ups.
Short Term international insurance plans can be bought for a period of 5 days up to 1 year and can be renewed for 36 consecutive months. In case you require insurance coverage for more than a year, you may consider long term health insurance plans.
Long term international medical insurance plans are designed for individuals planning an overseas trip for more than a year. Travelers can opt for a variety of services and coverage benefits based on which the premiums would be calculated. These plans are generally renewed every year depending on your stay overseas.
Long term plan is designed for overseas travelers, marine crew workers, missionaries, professionals, expatriates and other executives who are planning a trip abroad for more than a year for personal or professional purposes and may come back to their homeland multiple times in a year.
The long term international health insurance plans offer worldwide coverage across all countries in the globe. These global health plans offer coverage for individuals even in their native country as against short term insurance policies which offer only limited coverage in the homeland.
Individuals can choose between two types of coverage benefits while purchasing these international travel insurance plans – Fixed and comprehensive benefits. Depending on the type of coverage, a variety of medical expenses are covered which include surgeries, hospitalization, maternity coverage, preventive care (after a waiting period), doctor consultation, emergency evacuation and Repatriation and medical assistance during any other exigencies.
