Emergency Medical Evacuation…
World travelers need to properly protect themselves against financial exposure due to catastrophic medical events. If comprehensive travel medical benefits and assistance services are not secured before you travel, you could find yourself exposed to huge losses – both physical and financial. Though illness can strike at any time, when severe incidents occur overseas, lack of proper coverage can leave you the traveler with steep medical bills for less than sufficient care.
Before you go abroad, learn what medical services your health insurance will cover overseas. If your health insurance policy provides coverage outside the United States, REMEMBER to carry both your insurance policy identity card as proof of such insurance and a claim form. Although many health insurance companies will pay “customary and reasonable” hospital costs abroad, very few will pay for your medical evacuation back to the United States. Medical evacuation can easily cost $10,000 and up, depending on your location and medical condition.
Source: U.S. State Department
As a global traveler you need to be prepared for the possibility that you could find yourself in a location where the Medical Care is poor or inaccessible. In the event you find yourself in a situation where you need to be evacuated to an area where you can receive the appropriate level of care then you need to make sure your International coverage includes a comprehensive Emergency Medical Evacuation benefit. Medical evacuations are not a simple procedures and they can be extremely complicated and expensive. This must be available to you 24/7 no matter where in the world your travels take you. In addition you need a partner who is capable of organizing and caring out the evacuation no matter where you find yourself.
Considerations for any medical evacuation are:
- Evaluating the appropriateness of local health care providers
- Identifying the closest facility where a high level of care is available
- Determining the risk vs rewards of moving the patient
- Choosing the best method of transport (ie: ambulance, helicopter, fixed wing air ambulance)
- Securing the cooperation of the local treating physician, including a determination that the patient is stable enough to move
- Enlisting the most appropriate team to handle the transport (ie: doctor, nurses, therapist)
- Arranging for speedy and appropriate intake at the receiving facility
- Having someone on your side helping guide you through the whole process – that is Cigna Global…
Make sure when you travel, you travel with a full service, travel health plan that provides a higher level of protection and peace of mind than standard evacuation memberships offer. If you are not sure about your current plan or one you are considering make sure you get a copy of your certificate of coverage and read it. Make sure you have a complete picture of what you are buying. Then cover yourself with a Travel Medical plan or a comprehensive Expatriate plan from one the major insurers.
Travel Insurance insures your financial investment in your trip. Typically it covers such things as the cost of lost baggage and cancelled flights, but it may or may not cover costs of medical attention you may need while abroad. Travel Medical Insurance covers costs of medical attention you may need while abroad.
For U.S. Citizens traveling or living abroad they have available to them the plans from GeoBlue a U.S. based insurer. In addition to U.S. Citizens, foreign nationals that work abroad for a U.S. based company are also eligible as are legal residents of the United States.
Cigna Global also provides comprehensive International Cover for Expats just about anywhere in the world including the United States. Cigna Global also offers cover to local nationals in Hong Kong, Singapore and the United Kingdom.
Two very large Insurers with large resumes of experience serving the International Communities. Visit our website to view more on the plans from GeoBlue and Cigna Global. If you are planning a trip in the coming weeks call us @ (619) 435-6700 or send your questions to “email@example.com“.