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Friday, June 12, 2009

Eligibility Criteria For International Insurance Coverage

By Ray Sondeo

For people planning any travel, especially outside the home country, it is an absolute must to be covered by an international insurance package for a safe and secure trip. Any travel involves risks like stolen baggage, health complications and emergency scenarios demanding immediate evacuation. An international insurance policy is the answer to all these possible nightmares during a trip.

Unlike with a travel policy, with your medical insurance for international travel policy you will be covered anywhere in the world including your home country! Preventive care, maternity and pre-existing conditions are also usually covered after a waiting period with international insurance, unlike travel insurance.

In order to get the best out of your international insurance package, you need to comply with some minimum eligibility requirements irrespective of your age, status and nationality. These requirements would be mentioned by your insurance provider in advance.

One of the criteria of many international insurance providers is the duration of stay in the US by the citizens of United States. Some of the international insurance policies require the US citizens to reside abroad or leave the US on a particular date and stay outside the country for approximately six months. However, this restriction does not hold good for non-US citizens.

International health insurance with worldwide coverage can be availed by people as young as 14 days and as old as 74 years. But if the individuals turn more than 74 years, they would be covered under the same policy if they have been covered by the international insurance provider for many years in the past before they turn 74.

You can also opt for international travel medical insurance policy for all your family members. For married individuals who have children, the entire family can be covered under one international health insurance plan. Some of the providers even offer free coverage for children if both the parents opt for the same coverage plan.

You can also cover newborn babies for any illness right from their birth if the mother qualifies for pregnancy coverage under the insurance plan she has applied for. You need to also include the newborn baby under the insurance plan within 31 days of birth.

Both individuals and families can be enrolled for an appropriate International Health Insurance plan. In fact, if the family is insured as a whole, it would be highly beneficial as you would get a lot of incentives. However, some of the benefits like preventive care and maternity coverage require a minimum waiting period of 12 months before you can avail the incentives.

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