Medical Evacuation Health Insurance
Medical evacuation benefits for most health insurance covers emergency medical evacuation. Medical evacuation means the timely and efficient movement and en route care provided by medical personnel to wounded insured individuals. The latter need to be evacuated from a battlefield or from the scene of an accident to receive medical intervention.
Also, covered are patients at a rural hospital requiring urgent care at a better-equipped facility using medically equipped ground vehicles such as ambulances or aircraft such as air ambulances.
On the other hand, emergency medical evacuation provides you with transportation services in case you need to be evacuated to the nearest qualified medical facility, not necessarily to your home country or preferred hospital. In some cases, the plan will bring you home once you are stabilized. So, you should double check with your health insurance plan on how the medical evacuation procedure would be.
Types of Medical Evacuation Cover
Different health insurance products provide a different level of coverage. You need to ensure you compare the health insurance summary of benefits or coverage before you purchase the most suitable plan.
Health insurance usually covers a standard list of medical evacuation coverage for the injured or ill person who needs hospital treatment as an inpatient.
If the life assured is admitted to hospital while abroad from their principal country of residence then, if in the opinion of the appointed doctor the medical facilities there are not suitable or adequate, the life assured will be entitled to evacuation.
Medical evacuation, be it an emergency or not, will most likely be the nearest place where the necessary facilities are available. Therefore, it is very important that you check on the health insurance plan and premium as the benefits and understanding of the clause will vary.
Before you decide which health insurance plan is suitable for you, it is good to do a comparison and read through the coverage and benefits of the policy.
If the life assured is admitted to hospital while in their principal country of residence then, if in the opinion of the appointed doctor the medical facilities in the principal country of residence are not suitable or adequate, the life assured will be evacuated to the nearest place where appropriate services are available.