Exclusions and Limitations: Understanding What Isn't Covered by International Health Insurance

 

Exclusions and Limitations: Understanding What Isn't Covered by International Health Insurance

 

 

International health insurance policies typically have a number of exclusions and limitations. These exclusions and limitations can vary from policy to policy, so it is important to carefully read the terms and conditions of any policy before you purchase it.

Some common exclusions include:

• Pre-existing conditions. Most international health insurance policies will not cover any medical expenses related to pre-existing conditions. A pre-existing condition is any medical condition that you had before you purchased the policy.
• Cosmetic surgery. Most international health insurance policies will not cover the cost of cosmetic surgery. Cosmetic surgery is any surgery that is performed for non-medical reasons, such as to improve appearance.
• Dental care. Some international health insurance policies will cover the cost of dental care, while others will not. If you need dental care while you are traveling, it is important to check with your insurance company to see if your policy will cover the cost.
• Vision care. Some international health insurance policies will cover the cost of vision care, while others will not. If you need vision care while you are traveling, it is important to check with your insurance company to see if your policy will cover the cost.
• Prescription drugs. Some international health insurance policies will cover the cost of prescription drugs, while others will not. If you need prescription drugs while you are traveling, it is important to check with your insurance company to see if your policy will cover the cost.

In addition to exclusions, international health insurance policies may also have limitations. Limitations are restrictions on the amount of coverage that is provided. 

Some common limitations include:

• Deductibles. A deductible is the amount of money that you must pay out of pocket before your insurance company will begin to pay for your medical expenses.
• Coinsurance. Coinsurance is the percentage of the cost of your medical expenses that you are responsible for paying after you have met your deductible.
• Maximum benefits. Most international health insurance policies have a maximum benefit amount. This is the maximum amount of money that your insurance company will pay for your medical expenses.

It is important to understand the exclusions and limitations of any international health insurance policy before you purchase it. By doing so, you can make sure that you are getting the coverage that you need.

Here are some additional tips for understanding the exclusions and limitations of international health insurance:

• Read the terms and conditions carefully. This is the best way to understand what is and is not covered by your policy.
• Ask questions. If you do not understand something, ask your insurance company to explain it to you.
• Get everything in writing. Once you have purchased a policy, get a copy of the policy in writing. This will help to avoid any disputes in the event that you need to file a claim.