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Basic Major Medical Insurance
It is important for you to know how to obtain medical assistance while you are aboard. As basic major medical insurance is critical in obtaining medical assistance. While trying to obtain basic major medical insurance, you must first ?review your Medical History and Needs. It is a good idea to have a checkup to know your current medical condition. Your doctor or nurse can also advise you on what special precautions to take based on your medical history. |
| Supplemental Medical Insurance offers voluntary employee health insurance benefits including
dental, accident, life, cancer, long-term care, and short-term
disability. |
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It is important to check what is exactly covered and what is not covered by your basic major medical insurance plan. For example, high-risk sports injuries, dental care, and optical care are sometimes not covered by basic major medical insurance. Also, if certain pre-existing conditions are excluded, check on the exact definition of "pre-existing." |
Other aspects to consider include the financial limits of the coverage, and whether your basic major medical insurance applies during independent travel or vacation, what countries it includes, whether evacuation and repatriation is included, the policy's start and end dates, and whether you will have to pay first for treatment and be reimbursed later by your insurance company.
Types of Insurance
- Major Medical: This type of insurance assures that all or part of your medical expenses for
Illness and injury will be paid.
- Pre-Existing Conditions: Some basic major medical insurance will specifically limit coverage for medical conditions.
Existing prior to the beginning of coverage.
- High Risk Activities: Some basic major medical insurance will specifically exclude coverage for high-risk activities
like contact sports, skiing, mountain climbing, etc.
- Special Areas: Some basic major medical insurance will limit coverage for accidents involving alcohol and drug related activities.
- Emergency Evacuation: This type of basic major medical insurance provides support for transportation from the scene of an accident to the closest appropriate medical care facility. This could be by ambulance, helicopter, air rescue, or other form of special transportation.
The basic major medical insurance provider, in conjunction with an emergency assistance company should work with a local doctor in deciding where the appropriate medical care can be provided. 24 hour Emergency Assistance/Help Line: This type of service can be limited to a simple phone response system, or provide you with comprehensive emergency assistance for Evacuation, legal aid, translation services, and other support around the world.
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| Supplemental Medical Insurance does not cover eye and hearing exams, foot care, immunizations, or physical exams. |
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