Medical Repatriation Health Insurance
Medical Repatriation Coverage for Health Insurance
Medical repatriation for most health insurance is usually covered together with medical evacuation. Should a medical emergency happen in a place where treatment is not readily available, a medical evacuation will be executed. You will be transported to the nearest appropriate medical facility within or outside the country where it happened either via an ambulance, a helicopter, an air ambulance, a commercial flight, or another suitable mode of transportation, depending on the situation.
Medical repatriation is executed under the same condition as a medical evacuation, but it provides you with the option of getting treatment in your home country, in a familiar environment, near your friends and family. One should not mistake medical evacuation or medical repatriation as a search and rescue program – being airlifted from the mountains or searching for victims in a landslide. In most cases, local emergency services are responsible for the first response.
When purchasing a health insurance, do ensure that you have medical repatriation in place to ensure that you get access to the right help whenever needed especially when you are abroad.
Types of Medical Repatriation Covered in Health Insurance
Different health insurance products provide 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 repatriation coverage. Some of these include:
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 repatriation.
Depending on the health insurance plan and premium, the benefits 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 repatriated to the nearest place where appropriate services are available.