• International Insurance Blog

  • Sunday, July 23, 2017

Traveling abroad to spread the word of God can be fulfilling work. It’s important to take care of one’s health especially when undertaking missionary work. Often, missionary insurance is provided by the ministry that organizes the mission. Sometimes, you will have a choice to opt out of the program and choose one that fits your situation best.

Missionary insurance come in many types. Short-term missionary medical insurance covers you for short periods of time. The benefits are similar to short-term health insurance plans in the United States, but the plan works overseas. Long-term missionary health insurance is for missionaries who will work abroad for more than a year. The benefits are similar to regular U.S. health insurance.

The most common type of insurance for groups of missionaries is the group insurance plan, and it works similar to a regular group healthcare plan, as you would find in a company, for example. Benefits work the same way, and this is usually less expensive than plans bought individually.

Missionaries can also buy life insurance for the duration of their stay abroad, and also multi-trip mission insurance, for missionaries who make frequent trips to other countries. Ministries can also buy insurance for all their missionaries together, under a ministry insurance plan. As with every insurance plan, be sure to read the fine print and when in doubt, ask questions.
One of the biggest mysteries for students who study in American universities is the way international student health insurance works. Here’s a true story of how that insurance worked for an international student who was injured in college.

Anita (name changed), worked as a graduate assistant at a university’s Study Abroad program office. When walking down the steps while at work, she suddenly slipped, breaking her ankle. She was immediately rushed to the university hospital, where it was established that she had broken a bone.

The shocking news then awaited her: Her policy would only pay for half the $11,000 bill. Literally in tears, she was saved by the sound advice of one of her American friends—find out if the building had insurance for students who sustained injuries when at work. It turned out they had, and the policy paid for most of Anita’s medical costs, bar $1000 or so.

Lesson learned: The insurance world is quite complex and an event that might not be covered under one policy might be covered under another. It’s always a good idea to ask someone knowledgeable about these things. Especially when you’re a penurious student with minimal U.S. international student health insurance.
A visit to Paris is an enchanting experience for all—those in love, those out of it, and even those who aren’t sure! The French healthcare system is a bit different from the American. Before you go, be sure to purchase adequate international travel health insurance.

For one, the Parisian system of healthcare is funded mostly by employee contributions, and the quality of care is excellent. For minor ailments, you can even visit a local pharmacy, where you can get prescriptions. If you must call an ambulance, call 15. The ambulance will take you to the closest hospital that has the facilities to provide you with care.

You will be expected to pay only when you leave the hospital and not during admission. Although only a few doctors in hospitals can speak English fluently, in most cases, it will be sufficient for medical care. The American Hospital has English-speaking doctors, but the rates are typically higher, and may not be viewed as Usual, Customary and Reasonable by some travel insurance plans.

As with any international travel, keep the following information in your wallet: name, name of hotel, person/people to contact in case of emergency, and pre-existing medical conditions and allergies. Hopefully, you will never have to deal with hospitals during your visit, but if you do, be well-prepared for the task.
International student health insurance plans come in many flavors. Usually, college-sponsored international student insurance USA plans pay for emergencies, and are bare bones in terms of coverage. If, as a student, you want more coverage, you can sign up for one of many plans available online.

Remember to read the fine print of the student health insurance plans you are considering. If your graduation plans are fluid, check the policy on early termination of the policy and the associated refund.

Once you are set with an insurance plan, the important thing is to know what to do when something goes wrong with your health. When you fall ill, you may want immediate attention, and make a quick trip to the emergency room. Resist the temptation to visit the ER unless it is an emergency.

If you do visit the ER, remember to check that your visit is covered, and also to pre-notify the insurance company. If your complaint does not meet the specified parameters, your international student health insurance plan may not cover your ER visit, and you will be stuck with a huge bill. A reliable first medical care point is always your college health service provider—that is, the doctor’s office on campus.
A recent survey conducted by Ipsos Public Affairs has found that despite the economy and concerns about the H1N1 virus, more than 60% of Americans say they will take a holiday trip this year. Unfortunately, many of those surveyed, especially in the 18-35 demographic, might consider international travel health insurance as unnecessary.

The survey, however, throws up some good news. About 58% of people surveyed said they will not change their holiday plans because of the economy. The survey also indicates that those who will change their plans because of the economy will still be taking a trip, which means that they will probably just downscale a bit.

It is important for people not to forget travel insurance if traveling abroad. While it might seem like a luxury, it really is not. If you fall ill when abroad, it will burn a huge hole in your pocket. International flight insurance will cost a bit extra and it might be worthwhile to buy the two together.

As with any insurance, international travel health insurance can be bought at great deals online. Compare prices and read the fine print about coverage before deciding on a plan.And remember to enjoy your holiday!
A typical international travel insurance plan may not meet the needs of a person who travels for specific needs—for example, missionary work, or as part of marine crew. Missionary insurance and yacht crew insurance will serve the purposes of these special types of travelers.

Yacht crew insurance and marine crew insurance plans such as Global Navigator contain special caveats and benefits, including 100% insurance payment outside the United States, 80% in network in the United States, and 60% outside the network within the United States.

Yacht crew insurance usually requires medical approval, and the minimum plan period is usually six months. While regular international travel insurance usually does not cover medical expenses related to mental, emotional, or functional nervous disorders, yacht crew insurance covers some or all of these situations, up to a maximum of 100%. Treatment related to alcohol or drug abuse is also covered.

Some yacht crew insurance plans cover maternity, after one year of continuous coverage. It is important to compare prices and benefits before choosing a marine crew insurance plan that suits your particular needs.

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