Beware Of Out Of Pocket Expense In Spite Of Your Travel Insurance
It is a known fact that hardly anybody would expect their dream vacation to be abruptly interrupted by any kind of medical emergency
. Most of the travel insurance plans are generally useful for minor complexities such as broken bone, open wounds, cold or allergic reactions. But in case for major complexities you ought to pay for those upfront.Typically a travel insurance policy will promise to cover all the bills that will be insured by the policy holder while his treatment abroad. But the fact remains that no insurance providers will pay for treatment without fact checking the validity of the policy, the eligibility of the policy holder for a claim or whether the claim is pertaining to any exclusion policy provision of the insurance plan.
Lets take a hypothetical, imagine you being a doctor in Singapore. Wouldnt it be nice that your patient pays your charges upfront than to wait for some foreign insurance company to make the due payments? Without a doubt the former scenario is the most preferred by most of the medical practitioners around the world. This is precisely the reason why an insurance company has a tough time convincing the medical practitioner to choose the latter option.
In order to avoid any nasty surprises and to expedite the claim process, right after you have purchased the policy or are about to, take some time to read the wordings of your health insurance policy. Most of the provisions in the policy document are self-explanatory. It is prudent to highlight the aspects of your health plan that are seemingly ambiguous or you are finding it difficult to comprehend. You must call your insurance agent or the insurance provider and get those concern addressed in a timely manner. Personal rapport with the insurance agent plays a key role in fully understanding the scope and coverage of your health plan.
Also you must make a note of the things required by your insurance provider to ascertain whether or not you are eligible to make a claim. To give an example, a few health insurance plans in India will require you to furnish proof of your travel on a particular date. In this case if you have undertaken your journey by air, ensure that you have preserved your boarding pass stub. Mind you, a mere reservation copy of your ticket is no proof and would not be sufficient to deem that you travelled that day.
Always make sure that the family physicians information is handy. Almost all travel insurance policies have an exclusion provision with regards to pre-existing conditions. This will necessitate review of your medical background. Even after all these safeguard in place you still end up making payment out of pocket, you will be require to provide appropriate receipts for the same. The veracity of the receipts issued locally would depend upon the country that you are visiting. Always check with your health insurance provider in advance as to what relevant attributes should a receipt have in order to be treated as a legitimate document in the claim process.
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