Extreme Activities Cry Out for Evacuation Insurance

Extreme sports can test your physical and mental endurance, and to ensure that exhaustion does not turn into tragedy, medical evacuation insurance is a must. One great example of an endurance race is the Marathon Des Sables, a 6-day, 151-mile race across the Sahara Desert. Participants battle extreme conditions to complete the marathon in aid of a non-profit trust in aid of Africa. One essential feature of the race is the insurance that is provided to all entrants of the race. Benefits usually include medical evacuation insurance, payment of medical expenses, and repatriation of remains. If you’re not the Morocco […]

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Insurance for Need But Not for Greed

David Beckham might be blessed with the best celebrity flat abs, but most ordinary mortals spend their entire lifetimes just trying to get into shape. Now, you might ask, what does U.S. health insurance have to do with reducing weight? The silent epidemic taking over the United States is obesity. One in three Americans can be classified obese and the figures are expected to increase unless we drastically alter our lifestyles and diet. In this vein, it is common for people to seek treatment for obesity and related complications. Will they be covered by health insurance? In cases of extreme […]

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Expat Insurance Irons Out Worry Creases

Living abroad on expatriation carries different risks compared to traveling abroad on a short trip. Expatriate health insurance provides benefit for a longer term as compared to short term policies, which normally cover only up to three years. Living in a foreign country poses several challenges affecting ones health like change in food and water and different clmate. Let’s say George was transferred to the African Republic of Cameroon by his company for 5 years. His wife Susan was pregnant. It rained continuously in Cameroon. Mosquito borne disease was the scourge of the rainy season. Unfortunately, his worst fears came […]

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The Insurance Plan of a Hollywood Movie

A few days ago, I saw a wonderful movie on television, and the one thing I couldn�t help thinking was: I hope the protagonists had worldwide travel insurance, especially one that included trip cancellation insurance. The movie was �The Bucket List� starring Jack Nicholson and Morgan Freeman. In the film, the two terminally ill men, who befriend each other at a hospital, decide to embark on a journey around the world to fulfil a wish list, called the �Bucket List.� They encounter many adventures along the way, Hollywood style, but Morgan Freeman decides to turn back halfway when he realizes […]

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Chalking Up Insurance Plans for School Year Extension

International travel is beset by many uncertainties, and added to the mix, for many travelers, is the question of whether to purchase trip cancellation insurance. Especially this year, the outbreak of the H1N1 virus has thrown many travel plans out of gear, and trip cancellation and international health insurance are more imperative than ever. In addition, some insurance companies are jumping in to also rescue travelers whose plans have been disrupted by a specific event: the extension of the school year because of school cancellations after the outbreak of the H1N1 virus. Many companies offer school extension insurance as an […]

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The Fine Art of Reading the Fine Print-V: Procedures

For making claims under visitor�s medical insurance, one should carefully follow the procedures listed in the document. All medical procedures must be pre-certified by the insurance company. In case of emergencies this can be done within 48 hours of admission, or the medical procedure. Pre-certification can be done online or through a phone call. Let�s look at how medical care insurance works with IMG�s Visitors Care plan. Some policies allow the insured to visit any medical practitioner, while others have their own provider network. Doctors under the provider network charge a standard fee, whereas other doctors may charge more. In […]

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The Fine Art of Reading the Fine Print-IV: More on Exclusions

The last part of the visitors� medical insurance policy contains plan exclusions. Exclusions are conditions not covered by the policy. If you think that your situation comes under the exclusions of a policy, here are some things which you might want to do: The exclusion list needs to be thoroughly examined before taking up a policy. Having a pre-existing condition does not necessarily mean that you are not eligible for insurance. Some policies cover pre-existing conditions also with a limitation clause. Other policies further limit the maximum benefits depending on the insured�s age. Examine various policies to select the one […]

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The Fine Art of Reading the Fine Print-III: Pre-Existing Conditions

Continuing with our series on reading the fine print, let us now look at the exclusions that are not covered by a visitors’ medical insurance policy. The main exclusion is �pre-existing conditions,� defined as any injury, condition or ailment that already existed at the time of purchasing the policy. Normally, any lifestyle condition which cannot have occurred overnight�blood pressure or diabetes, for instance�is considered a pre-existing condition. A visitors� insurance plan will not cover conditions which exist on the effective date or a specific look-back period (two or three years prior to it). The look-back period varies by plan. Any […]

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The Fine Art of Reading the Fine Print-II: Schedule of Benefits

In the previous article, Reading the Fine Print-I, we saw how the policy duration of visitors insurance plans can affect the choice of insurance. Now, let�s look at how reading the Schedule of Benefits carefully and matching it with intended activities is imperative. Let�s say, a lady, Sharon, who is on a visit to the United States, has sustained an arm fracture. She is covered under a visitor health insurance policy, and so she doesn�t worry much. Her boyfriend, Adam, makes a note of the next steps they will need to follow. They call an ambulance, take her to the […]

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The Fine Art of Reading the Fine Print I: Policy Duration

Before deciding to purchase any visitors health insurance, you must read the fine print thoroughly rather than having a cursory glance at the policy. Let us take the example of Visitors Care insurance provided by International Medical Group (IMG) for an analysis of the Policy Duration clause. The minimum duration of this policy is 5 days. The individual should either be traveling or temporarily residing outside his home country for at least 5 days to be eligible for this policy. Any one policy may not exceed 12 months, but can be renewed for a period of up to 24 months […]

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