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Medical Expenses When Traveling 

Medical expenses travel insurance is important when traveling to other part of the world, one may never know when and where you will require medical attention and care. With change of environment and weather condition, you may fall sick when traveling. Medical expenses vary in different countries and as a visitor, you will have to pay the full price for medical at the clinics and hospitals. This is one of the many reasons why travel insurance is important. With the right travel insurance coverage, you do not have to worry about medical bills and expenses.

Medical Expenses in Travel Insurance

Medical expenses means expenses incurred during your trip within 90 days of sustaining Injury or Sickness which you paid to a legal Physician, Hospital and/or ambulance service. These services are of medical, surgical, x-ray, Hospital or nursing treatment including the cost of medical supplies and ambulance hire and including the cost of dental treatment where such treatment is necessarily incurred to restore sound and natural teeth and is caused by an accident.

All treatment including specialist treatment must be prescribed or referred by a Physician in order for expenses to be reimbursed under the policy and will not exceed the usual level of charges for similar treatment, medical services or supplies in the location where the expenses were incurred had the travel insurance not existed.

Types of Medical Expenses Covered in Travel Insurance

Different travel insurer and travel insurance products provide different level of coverage, you need to ensure you compare the travel insurance summary of benefits or coverage before you purchase the most suitable plan.

Travel insurance usually covers a standard list of medical coverage and benefits. Some of these include:

  • Medical expenses incurred overseas

  • Medical expenses incurred when you are back in Singapore

  • Medical expenses due to pregnancy related expenses

  • Treatment by Chinese Physician

  • Treatment by Chiropractor

  • Overseas hospital confinement allowance

  • Hospital visit

  • Compassionate visit

  • Child care

  • Emergency medical assistance and evacuation

  • Repatriation expenses

  • Emergency telephone charges

  • Oversea hospital cash benefits

  • Hospitalisation allowance

  • and others

Depend on the travel insurance plan and premium, the medical benefits for medical expenses travel insurance will vary. Before you decide which travel insurance plan is suitable for you, it is good to do a comparison and read through the coverage and benefits of the policy.

 

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