International Health Insurance Plans

International health insurance programs are becoming more popular. The number of people who travel abroad has gone up in this current era of globalization. People who have the wanderlust find the need for a medical coverage while they are away from home. International health insurance provides broad coverage in the event of illness or injury.

Quite a few health-related mishaps can happen while travelling to a foreign country. Since you would not be a native, you might not be eligible for government-sponsored health care. If you travel overseas regularly either for business or for pleasure or maybe be as an international student, it is important that you have an international health insurance

Basically, international health insurance generally offers two plans.

* The travel medical insurance
* The expatriate medical insurance.

Although these both provide coverage in the event of sickness or accident, the coverage vary on their length of the stay in the foreign country.

The travel medical insurance is the more popular type of international health insurance used. This is a better option for those travellers who are making one tour or cruise and only stays in a foreign land for a shorter duration like seven days to six months. This usually consists of $1 million coverage for ordinary and emergency healthcare, home country coverage and trip interruption. However these plans vary from company to company. Another factor that may come into picture is your home country and the country that you would be travelling to.

Consider the case; if you are an American who wishes to live in another country for an extended time, the expatriate medical insurance is the plan for you. It is essential to make sure that you and your family is covered in your new country. The advantage of this over the travel medical insurance is that this can be renewable annually and has a bigger coverage of up to $5 million. In most of the countries, though the medical expenses are lesser compared to that of the US, this kind of insurance gives more options in foreign land as well.

Opting for an international health insurance plan is indeed a smart move, whether you are traveling just for few days or for a longer duration. But the key point again lies in making the right choice. Decide what plan will best work for your travel insurance needs, considering all the various parameters.

Group Health Solutions Inc. in New York NY offers the most comprehensive international health insurance plans.