Why must we buy travel insurance?
While booking the tickets for your next travel, you must have been prompted to the page asking whether do you want to add travel insurance. And like every time you must be confused whether to add travel insurance or not? Or what benefits it shall provide you? Or which company offers the best travel insurance?
Generally, people in India do not buy travel insurance until and unless the country they are travelling too requires mandatory travel insurance to enter. But, it is always good to buy travel insurance protection to have fun-filled peaceful trip.
Travel insurance provides coverage for the risk of any medical emergency, loss of passport, lost baggage, personal liability, political risks, delay, and cancellations
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In case you bags are lost, then you get a pre-approves sum stated in the policy.
• Medical emergency: In case you get sick or injured on your trip that requires immediate medical attention, then with travel insurance you will not be required to pay huge medical bills from your own pocket. The personal health insurance becomes useless as soon as you leave your own country. The travel insurance also covers expenses related to transportation, diagnostic tests, in and outpatient services, and ambulance charges as well as also helps in finding the nearest medical facility. Some of the plans might even provide for dental coverages and the pre-exiting conditions also.
• Loss of passport: Losing a passport in a foreign land can be too risky. Passport is the only valid identity proof while travelling. So, if you have a travel insurance and in case your passport is lost, then it shall help you get your duplicate passport as soon as possible and will cover also the cost of any expenses in relation to duplicate
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occurs which needs an emergency evacuation, then the travel insurance company will help you get out of the situation by providing requisite assistance in reaching the home country safely.
• Emergency assistance services: When you travel to foreign countries then, you might not know their local language and might get stranded at some place. In that case, you can call travel insurance 24*7 emergency assistance service and they will help you in reaching a safe place.
• Cancellation of trip: You might need to cancel your trip due to some medical or family emergency and there can be certain monetary loss due to cancellation of flights and hotels. If your travel insurance comes with cancellation coverage, then the policy will reimburse you for the cancellation charges.
• Missing the connection flight: In case you miss your connecting flight, then the travel insurance will take care of booking a new connection flight for you and bear all the expenses related to travel
This segment provides coverage for employees (and sometimes their families) who are on assignments for their companies in another country as well as individual policies for people visiting other countries. These policies include medical coverage and access to clinicians who can help with pre-trip planning based on the country of destination and can help locate providers in those countries. The customer service centers are open 24 hours a day, 7 days a week and can answer calls in eight languages. Aetna has also been able to build a network of providers and has direct settlement agreements with providers around the globe. (Aetna International, 2016).
Insurance will only pay for a patient to stay in the hospital if they meet certain criteria. The hospital uses a program called InterQual to help make sure that happens.
Medical benefits have been a popular conversation that has received positive and negative feedback. Why is having medical benefits important? Important to you and your family. Medical benefits can assist with families when in need and also financially hurt families that do not have assistance. Most citizens have the question of should having medical benefits be mandated by Congress. Having insurance benefits is a necessity because it means that if an accident was to occur and it required a hospital visit, who would be responsible for the hospital bill.
When you're injured at work, you're entitled to workers' compensation. This can help alleviate the responsibility of medical bills from your doctor, bills from procedures like x-rays and MRIs or medications and transportation costs associated with an injury. It can also cover much of the wages you lost. If you're disabled and unable to work in the future, a lump sum of money might be possible.
Later, another panel member argued that the purpose of health insurance is not to insure everyone. It should be provided to only cover catastrophic health conditions. Today, not only does health insurance cover catastrophic events, but also there are limits on the amount of out-of-pocket health care costs for essential health care (The White House, 2016). Also, most out-of-pocket costs have been eliminated for preventative care (The White House,
Health insurance provides benefits for sickness, injury, surgery, and prescription medication. There are a variety of plans with different
...inding the suited vehicle which is the closest to the emergency. The vehicle number will be logged and informed of the emergency. Along with the patient information and incident to expect sent to the vehicle, the GPS will provide directions from the current location to the patient and quickest path back to the hospital. The GPS will give the hospital personnel an idea of how long it will take the vehicle to get to the hospital and have equipment, room, and personnel ready to help the patient. By taking the quickest path, along with medical personnel being ready for receiving the patient, could mean the difference of life and death depending on the incident.
Health insurance is a type of insurance coverage that covers the cost of an insured individual's medical and surgical expenses. Depending on the type of health insurance coverage, either the insured pays costs out-of-pocket and is then reimbursed, or the insurer makes payments directly to the provider.
The mediclaim insurance companies have come up with plans on how to tackle emergencies and make it easier for you, and has also come up with the clause of "cashless hospitalisation€. This feature allows you to get hospitalised without the hassle of cash. This is a especially designed feature for emergencies where it is quite impractical to expect a patient to withdraw cash from a bank before heading to the hospital to get admitted. All you have to do is check whether the hospital you are headed to is on the panel of the medical insurance company or not, pick up your health card and get
Hospital bills are very expensive and for the people that don’t have insurance will be stuck with a huge bill that they more than likely can’t pay and will be put out the hospital as soon as the doctors see fit. They won’t just be able to lay around in a hospital room.
If you haven’t been provided with one, ensure you get one from the company. In case of an accident or if you get pulled over, police will certainly ask for insurance papers to make sure that you are insured.
The purpose of this paper is to discuss potential disasters that could affect a community and cause mass causalities. Further discussion will include who is responsible for the management preparedness, what barriers must be considered and finally this paper will discuss the health care facilities role in emergency supplies and care of the patient in a disaster situation.
According to the Health Insurance Association of America, health insurance is defined as "Coverage that provides for the payments of benefits as a result of sickness or injury. Includes insurance for losses from accident, medical expense, disability, or accidental death and dismemberment" [2]. Health insurance processing is one of the few complex processes that take place after visiting the provider. Applying for claims is carried out after pre authorization. Pre authorization is an integral part of utilization management.
Disaster tourism: traveling to a disaster scene not primarily for helping, but because it is interesting to see. It can be a problem if it hinders rescue, relief and repair work.
Commonly throughout most countries of the world, citizens of the society at large establish the system for Emergency Medical Services. In the case that the public is not willing or capable of summoning such a service, the country often finds other emergency services, businesses, or the government and authorities who act to employ a system. In other parts of the world, the emergency medical service additionally takes on the role of transporting patients from one medical facility to an alternative one. This occurs with some frequency because once a patient is analyzed and provided care at the immediate hospital; it may be more appropriate for a variety of reasons the patient needs to move to another facility. As one can see, the relat...