What does International Health Insurance cover?

International health insurances offer a wide variety of complete coverage plans. From hospitalization to dental treatment or a routine appointment, there are diverse and varied options that adapt to all kinds of needs. Moreover, many people hire these products even when they continue to live in their home country because they offer equal or better services than local providers.

The most basic plans cover hospital care, and from there it goes up to cover all kinds of services. Some insurances even admit people with medical pre-existing conditions. We recommend that you carefully review the details of the insurance coverage before hiring it, so that you are sure that you are acquiring the services you need. Read on to learn in detail what each type of coverage means.

Hospitalization🏥

It includes all care in case of critical health situations that require hospitalization in a medical center, clinic or hospital. It includes hospital care such as medications, medical fees, intensive care, transplants and surgical prostheses, among others.

They also cover hospital stays and expenses for repatriation of mortal remains if necessary. Some also consider catastrophic coverage treatments, such as outpatient oncology.

It does not cover outpatient expenses, for example, medical consultations or tests that are not related to hospitalization. However, they do include pre- and post-hospital outpatient services associated with a covered hospital stay.

Outpatient Services🧑‍🦽🚶

In general, these are doctors appointments, both general and with specialists. You should check that there are no conditions with certain categories. For example, some insurances exclude psychiatry from the services they cover.

These also include routine medical examinations, as well as outpatient physical therapy, rehabilitation and medical care.

Some also include coverage for diseases such as Alzheimer's and preventive care, such as screening for colon cancer, prostate cancer, pap smears or mammograms, among others.

Maternity👶🏻

Most international health insurance plans consider maternity coverage. In any case, we recommend that you review the details of the service to be sure that it includes what you are looking for.

In general, these consider pre and post natal care, the incorporation of the newborn in the policy, birth, either by cesarean section or delivery (check if it includes both options), and of course hospital stays.

They usually also consider complications in pregnancy and childbirth and/or congenital and hereditary disorders.

Dental/ Vision🦷

Because oral and ophthalmological health is a must for everyone, several international insurances have included this type of coverage in their benefits.

Among them you can find preventive dental exams, dental treatments related to accidents, and non-aesthetic orthodontics. As well as refractive eye surgery.

They may also consider dental treatments such as fillings, root canals, tooth extraction, and anesthesia. Additionally, some offer major non-aesthetic restorations such as bridges, crowns, dental implants, and/or dentures.

Oncology🧑‍⚕️

Having the financial stability to deal with serious illness is an important factor for many families when choosing insurance. Currently, many consider cancer treatment to be part of its benefits, generally excluding experimental treatments.

They usually include laboratory tests, images, resonance, etc. As well as outpatient oncology (chemotherapy, radiotherapy, proton therapy and immunotherapy). They may also consider hospice and palliative care in case of a terminal illness.

In addition, some international health insurance plans provide alternative and/or complementary treatments such as acupuncture, hypnotism, therapeutic massages and reflexology.

These are the main coverages that you can find when hiring an international health insurance plan, and there are many more! For example, coverage for high-risk sports accidents or medical devices such as external prostheses, orthotic devices and implants.

Remember that they are all different and will not necessarily include the same benefits in each category. The idea is that you find the combination that best suits your coverage needs and budget. For that, access our comparing tool and hire the perfect option for you.

Why should I hire Health Insurance at InternationalHealth.com?

☑️ You can find and hire the best alternative for you and your family.

☑️ It is completely free. You will find the same value as hiring it directly with the company, but adding all the IH after-sales service.

☑️ We work with all insurers. You will have the best alternatives to quote and compare.