Health Travel Insurance Benefit
A health insurance plan whilst travelling is important and beneficial for the following reasons:
• The most obvious benefit is the ability to acquire immediate medical attention when you fall sick during travel. Since this is something that you might not have anticipated, this will most likely not be covered in your travel budget. Securing will help ensure that your medical expenses will be covered by the provider.
• In some cases, your doctor will prescribe medicines to help in your recovery. These can be covered by your travel as well, so make sure to specify.
• When you are in a foreign country or place, you lack the access to finding qualified doctors.
Choosing Health Insurance Provider
A substantial amount of research is important to secure a insurance provider that will be able to cover your health care needs during travel. In the end, it could save you both money and your life.
The first factor to consider would be the coverage itself. Does it offer benefits that you can avail of at a reasonable price? Try to discover if there are any additional fees that might be charged on you.
The cost of premium is another relevant factor to consider, particularly with the constant rise of health care costs. The costs will vary according to the length of period covered by the insurance and the specifics of the coverage. The length of the policy is particularly important for frequent travelers. There are options for single trip or multiple trips insurance coverage.
Lastly, choose a health care provider that is easily accessible when you have queries about the specifics of the insurance coverage. Their willingness to keep you informed is helpful in your effort to make the right decision.
Even if you have travel health insurance it’s better to take some precautions to stay safe and healthy whilst on holiday
In most cases, a bout of diarrhoea from contaminated food will knock you off your feet for a few days and the duration of the illness can vary. If symptoms persist or are unusually severe always seek medical help to rule out anything more serious. If outpatient tests are carried out, ask for copies to take with you and obtain receipts so that you can claim on your travel insurance. If hospitalization is required you will normally need to obtain authorization for treatment by calling the hotline provided in your travel insurance policy.
If you have been bitten by insects, especially mosquitoes, and develop suspicious symptoms like fever, chills or flu, always seek medical attention. Serious diseases like malaria take several days to incubate so symptoms may not appear until after you have returned home. If this happens arrange an appointment with your doctor and explain that you have been travelling.
A few more reminders:
Always clean and treat cuts to avoid infection and Tetanus
Carry a first-aid kit and hand-sanitizer with you
Use mosquito-repellent products
Wear light-coloured clothing to easily spot mosquitoes, ticks and bugs
Take steps to guard against tick bites and Lyme Disease
Be wary of swimming in fresh-water pools in tropical areas (however tempting it looks). It is possible to pick up parasitic infections like schistosomiasis from infected water
Get all recommended vaccinations, including a Tetanus booster if needed
Carry a list of contact numbers for the embassies in the areas you are visiting in case you need help finding an English-speaking doctor or other assistance
Other common ailments which can affect travellers include: Altitude sickness, heat stroke, heat exhaustion and serious sunburn. The latest concern to worry about is exposure to Swine Flu; if you think you may have been exposed and develop symptoms seek medical help. A good travel insurance policy should provide for emergency medical repatriation to get you back home once you are fit enough. However, always read the terms and conditions of your particular policy so that you understand the cover provided.