 |
 |
||||||
 |
|||||||
 |
|
|
|
Short-Term Coverage |
|
· Shortened medical plans can have restrictions
& premiums are proportionately higher · Returning residents, people between jobs & home-country policies that don't cover overseas · Travel insurance is often the easiest & most practical answer for short-duration cover International Medical Insurance and HealthCare plan companies rarely offer "short-term" plans. Usually they insist on annual term but do allow groups with periodic in and out movements of members to be an exception to the rule. A few firms will consider short-term coverage but require a full medical application, usually excluding sickness within the first 30 days of cover and charge a short-term (higher) rate of normal premium. They will not cover pre-existing medical conditions. Citizens of some countries, upon returning home from an extended stay overseas, can not re-enter their national health scheme until residing at home several months. Thus they need short-term medical cover. Also, some people find themselves in between jobs and uninsured until a new employer provides a cover. Another very common need exists when people travel overseas and their home-country policy does not extend to overseas medical claims. For people taking a trip away from their normal residence (outside home country or at least over 100 km away) a travel insurance policy will provide some medical protection. Usually limits are lower than a regular medical plan. Travel insurance was not designed to replace a medical plan but rather to supplement it whilst traveling. Premiums are low because healthy people usually travel plus it only covers medical cases occurring whilst traveling and not those that are pre-existing. Travel can be on a per trip basis or covering a frequent traveler all year round for multiple trips. It usually covers medical expenses, baggage, personal money, trip cancellation, medical evacuation, repatriation, delayed baggage, hospitalization daily cash payments and other travel issues. Some policies include personal liability, but because of high claims this cover is becoming harder to obtain. It is easy to purchase travel insurance especially over the Internet. However you must always remember to purchase it before beginning your journey. |
|
REQUEST
A QUOTE NOW
|
|
|
|
|
||||||
|
OMNI is an active member of: American Chamber, Canadian Chamber, European
Chamber, Australian-New Zealand Chamber, Lighthouse Club, Le Club, British Business Association. |
|||||||||
 |
|||||||||