ELIGIBILITY REQUIREMENTS FOR INTERNATIONAL TRAVEL MEDICAL INSURANCE
While you plan your travel, you can ensure a safe trip if you are covered by an international travel medical insurance plan. Traveling involves many spin]unavoidable|inescapable[/spin] risks. Loss of luggage, medical emergencies and evacuation are some of the most vital complications that could arise during your travel. To protect you from these complications, it is an absolute must to avail of an international travel medical insurance policy which provides global coverage.
International insurance policy not only covers you in your home country but across many countries of the world. Unlike travel insurance policy, international health insurance covers maternity, preventive care and also pre-existing conditions after a pre determined waiting period.
In order to enjoy full benefits of your medical insurance for international travel package, you need to meet some eligibility requirements which would be mentioned by your insurance company irrespective of your age, nationality and status. It is compulsory to comply with these requirements.
One of the requirements of many international travel medical insurance providers is the duration of stay in the US by the citizens of United States. Some of the international travel medical insurance policies require the US citizens to reside abroad or leave the US on a particular date and stay outside the country for approximately six months. However, this restriction does not hold good for non-US citizens.
International insurance with global coverage can be availed by people as young as 14 days and as old as 74 years. But if the individuals turn more than 74 years, they would be covered under the same policy if they have been covered by the medical insurance for international travel provider for many years in the past before they turn 74.
You can also opt for health insurance for international travel policy for all your family members. For married individuals who have children, the entire family can be covered under one international travel medical insurance plan. Some of the insurance companies even offer free coverage for children if both the parents opt for the same coverage plan.
In the case of newborn babies, if the mother is covered by insurance and also has opted for maternity coverage, the babies are also covered for any illness right from their birth. But you need to include the newborn under the international travel medical insurance plan of the parents within 31 days of birth.
Both individuals and families can apply for the international travel medical insurance. In case of family coverage, incentives are offered by the insurance providers. But to avail some coverage like preventive care and also maternity coverage, you may require waiting for 12 months.