Not all healthcare systems are created equal-what works for one country might not for the other. Each country has its own healthcare system, and knowing about the way international health insurance works at the destination will help international travelers. This is especially true of people who will be traveling overseas for more than a month.
If you fall ill abroad, you will probably have to pay first, and then get reimbursed by your travel health insurance company. Check whether your company has cashless billing at the destination-it might. Most countries have a combined public-private system, although a few have a totally private system.
One of the countries with an almost complete private system is the United States. In spite of two of the major healthcare programs-Medicare and Medicaid-being administered by a government agency and 16% of the GDP spent on healthcare, increasing insurance rates are a cause of major concern. Private international health insurance is a necessity for U.S. visitors.
In the United Kingdom, however, 89% of the population depends entirely on public insurance, which usually excludes eye and dental treatment. Some purchase additional private coverage for expanded coverage. If you are an international visitor to the United Kingdom, you must purchase international health insurance prior to landing.
France follows a social health insurance system, which covers all residents, whose paychecks are automatically charged. Supplemental private health insurance is common. Public hospitals are managed by a government agency. Visitors to France may require a Schengen visa and the international travel health insurance purchased should meet visa requirements.
Singapore's healthcare system has come in for much praise. The country spends a mere 3.8% of its GDP on healthcare and has adopted a dual system, where government and private healthcare compete with each other. While primary healthcare is mostly taken care of by the private sector (80%) in-patient care is taken care of by public hospitals (80%). Travelers to Singapore must read the terms carefully before seeking care under international travel health insurance.
Keep in mind that other countries might have their own systems that are different from, or a combination of, these. If you're traveling to India, you'll notice that public healthcare is free or heavily subsidized. However, the quality may not be adequate. Remember to understand the destination, and what your international health insurance policy covers and does not before departure.
For coverage abroad, there are a range of short-term and long-term international health insurance plans, underwritten by renowned companies such as Lloyd's, Nationwide, and AIG.
If you fall ill abroad, you will probably have to pay first, and then get reimbursed by your travel health insurance company. Check whether your company has cashless billing at the destination-it might. Most countries have a combined public-private system, although a few have a totally private system.
One of the countries with an almost complete private system is the United States. In spite of two of the major healthcare programs-Medicare and Medicaid-being administered by a government agency and 16% of the GDP spent on healthcare, increasing insurance rates are a cause of major concern. Private international health insurance is a necessity for U.S. visitors.
In the United Kingdom, however, 89% of the population depends entirely on public insurance, which usually excludes eye and dental treatment. Some purchase additional private coverage for expanded coverage. If you are an international visitor to the United Kingdom, you must purchase international health insurance prior to landing.
France follows a social health insurance system, which covers all residents, whose paychecks are automatically charged. Supplemental private health insurance is common. Public hospitals are managed by a government agency. Visitors to France may require a Schengen visa and the international travel health insurance purchased should meet visa requirements.
Singapore's healthcare system has come in for much praise. The country spends a mere 3.8% of its GDP on healthcare and has adopted a dual system, where government and private healthcare compete with each other. While primary healthcare is mostly taken care of by the private sector (80%) in-patient care is taken care of by public hospitals (80%). Travelers to Singapore must read the terms carefully before seeking care under international travel health insurance.
Keep in mind that other countries might have their own systems that are different from, or a combination of, these. If you're traveling to India, you'll notice that public healthcare is free or heavily subsidized. However, the quality may not be adequate. Remember to understand the destination, and what your international health insurance policy covers and does not before departure.
For coverage abroad, there are a range of short-term and long-term international health insurance plans, underwritten by renowned companies such as Lloyd's, Nationwide, and AIG.
1 comments:
True. I agree that all healthcare systems are not same and differs from one country to other. Each country has its own healthcare system, so before planning to buy an international health insurance policy it is advised that to know how this policy works at the destination.
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