Travel Health Insurance Plans
Annual Insurance Policies vs Travel Insurance Policies
Travel insurance plans are generally designed for people going overseas for either a short or medium length trip no longer than twelve months. While many travel insurance plans may appear similar, it is still wise to compare the packages by price and available benefits. There are 2 general options for health plans that are for a short period of time. These are either travel insurance plans, or short-term health insurance plans. Both types of policy are available for up to a year, with the major differences between the two being the price (or premium) and extent of coverage (or the benefits).
Travel plans are significantly cheaper than annual or short-term policies, but they are also generally less broad in their coverage. Travel insurance plans can have comprehensive coverage that include the best available care, as well as evacuation/repatriation services that get you to medical facilities for immediate treatment, however you may be better off if you are travelling for a long period with a short-term plan as they typically have more benefits you can get coverage for or will cover you to a greater benefit limit. This is not necessarily true of all insurers and for all travel plans though, as can be seen with regards to IHI-Bupa below.
For more information on the difference between short-term and travel policies, contact our advisors here.
IHI-Bupa Travel Insurance Plan Benefits Table
|Benefit||Coverage Limit (USD)|
|Maximum cover per person per trip||Unlimited|
|Outpatient treatment by a doctor/specialist||100%|
|Prescribed treatment by a physiotherapist||$2,500|
|Provisional pain-stilling dental treatment||$ 200|
|Compassionate emergency repatriation||100%|
|Compassionate emergency visit||100%|
|Home transportation of the deceased||100%|
|Statutory arrangements in case of death||100%|
|Board, lodging and local transport for a person summoned or accompanying the insured, per day||$300|
24-Hour Emergency Service
The Emergency Service is open 24 hours a day - 365 days a year, always there to give you professional advice and assistance - no matter where you are. The Emergency staff speak the same language as you and knows your insurance. They are fully trained in all kinds of emergency situations.
In the event of an emergency admission, the insurer should be notified as soon as possible in order to avoid misunderstandings over the insurance cover. You only need to contact the insurer and we will take care of all the administrative and financial arrangements.
When adequate medical treatment is not available locally, the insurer will arrange for medical evacuation or repatriation. When the transportation requires an accompanying doctor or nurse, we will arrange for this too.
Highly Skilled Medical Consultants at Your Disposal
Our medical consultants range from professors to general practitioners. Among their specialities are aviation medicine, telemedicine and tropical diseases.
If you require further information on Travel insurance, such as the process for application, visit our page detailing the policy conditions.