International Medical Insurance for Different Travelers
Medical insurance while overseas can be of two kinds –one for a short trip as when you are merely going on a vacation, or for an extended period such as when you have work to perform abroad. To distinguish the short trip version, it is sometimes referred to as an international travel insurance. Apart from the length of time of coverage, however, there is really no substantial difference between the two. For the short trips, periods of as few as seven days up to one year are available. The longer-term policies extend from one year to three years.
International medical insurance normally covers all medical expenses while on foreign soil. Major medical expenses and hospitalization are reimbursable up to the limit of your coverage. Such coverage can be as high as US$1,000,000.
Special rates and policies are available for students, faculties, and researchers or scholars studying full-time abroad. Coverage can run up to one year, subject to renewal, with a limit of US$500,000.
Frequent fliers can also avail of a short-term 30-day policy, or a one year plan. This would cover them regardless of where they are flying to. Either of these policies could be worth as much as US$1,000,000.