Understanding International Health Insurance
Have you ever heard the term international health insurance? Have you ever thought about how it differs from traditional health insurance? Let’s read further and understand the difference. International health insurance is a type of insurance that offers protection for your healthcare expenses when you are outside your home country. In contrast, traditional health insurance only applies within your local area.
Who can benefit from international health insurance?
International health insurance will be very useful for people who frequently travel abroad or people who have jobs and businesses outside their country of residence.For individuals who frequently travel internationally, unexpected situations can arise, including falling ill while abroad. Naturally, seeking medical assistance in a foreign country can be more challenging compared to one’s home country. Uncertainties regarding costs, the availability of medical facilities, and the expertise of healthcare professionals are common concerns that may arise.
By having international health insurance, you will undoubtedly experience peace of mind wherever you go. This is because international health insurance typically offers big annual limits, an extensive network of medical facilities, and even evacuation services if necessary.
Common Myths & Misconception
Despite all the benefits, international health insurance is still surrounded by various myths and misconceptions. Here are some examples:
1. International health insurance benefits can be replaced with travel insurance
Travel insurance is designed to provide short-term coverage for a trip to one or multiple destinations. However, the coverage provided by travel insurance is not solely focused on medical costs. It typically includes other benefits such as coverage for lost belongings, travel delays, third-party liabilities, and more. Therefore, the benefits of medical expense protection from travel insurance tend to be small and not ideal for long-term coverage.
2. Thinking that you are young and healthy, so having international health insurance is not necessary
This is one of the most common reasons why people neglect to obtain health insurance. However, when you travel to various destinations worldwide, unforeseen events can occur. Therefore, preparing international health insurance is essential and should be a part of your preparations.
3. Assuming that you can rely on the healthcare system of the country you’re visiting
While some countries may have excellent healthcare systems, assuming that they will cover your healthcare needs as a foreign visitor is a misconception. International health insurance provides access to a network of pre-screened medical providers and ensures that you receive appropriate medical care without language barriers or complicated reimbursement processes. Evacuation and repatriation are the most crucial benefits in this regard. International health insurance can provide this service and transport you to your home country or the nearest country that can provide for your medical needs.
4. International health insurance is just to costly
In fact, international health insurance is typically a flexible insurance product that can be customized to suit your specific needs. There are several factors that can help reduce your premium. These may include age, coverage limitations, deductibles, and other variables.
Finding International Health Insurance In Indonesia
Obtaining international health insurance in Indonesia is not a challenging task. However, it is crucial to select the right agency that suits your specific requirements. Having an agent who not only sells you an insurance product but also provides ongoing support throughout the policy term, including assistance during emergencies, can bring significant peace of mind.
At Luke Medikal Internasional, we are dedicated to being an international health insurance agency that is consistently available for our clients, regardless of the time or location. We offer an aftersales service division that can assist you in various ways, including claim submissions, facilitating cashless treatments, scheduling doctor appointments, and even organizing evacuation and repatriation for policyholders. This reflects our strong belief that after-sales service is equally significant to the sale of an insurance product.
If you are an expatriate planning to travel to Indonesia or outside Indonesia, we can assist you in providing international health insurance at affordable prices. All the insurance plans we offer are flexible and can be tailored to meet your specific needs. Our team is dedicated to assisting you and guiding you towards the most suitable plan. Click the link below to contact our WhatsApp number and we will be more than happy to assist you.
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