Nowadays, since many people from developed countries are going for medical tourism in other
countries, Insurance companies in USA are also working on providing Medical Insurance for
treatment abroad. Insurance companies in eastern countries are also providing Insurance for foreign
nationals. This is a boon for uninsured people of USA as premium for Insurance in these countries
are very less. Although they do not cover preexisting diseases, however if a person takes regular
Insurance from one country of his choice, he/she can avail of the facility. This is a good example of
Once you have finalized your treatment destination, type of surgery and fixed your date with your
tourism facilitator company, the next most important thing is taking travel insurance. However, The
Insurance for Medical Tourism is way different from travel Insurance. Here you are going for Medical
Treatment along with tourism at a particular destination.
The treatments sought in medical tourism vary in complexities and costs. Some of these may be
quite expensive. Moreover, risk factors for the Healthcare on International soil cannot be predicted
beforehand. There may be number of reasons for extended stay and high cost like extended follow
up with the treating Doctor or some Complication or other risks.
So, Travel Insurance policy is inadequate to cover medical tourism. Simple travel insurance will not
cover you fully in case you develop certain complications from a medical treatment. It would
cover only medical emergencies arising from travel like any disease or accident etc. These
policies cover for lost luggage, flight cancellation but are not adequate in addressing the issues
that possibly arise from medical tourism. These policies do not cover any preexisting conditions
and are of limited duration.
Benefits of taking Medical Insurance
In medical tourism, the patient has paid full or a part of their treatments before coming to the
foreign country. In case of any complications after treatment or cancellation of the trip due to
any unavoidable circumstances medical tourism insurance would help in recovering additional
The tenure of these policies may vary from 6 -12 months or more. Many insurance policies keep
the patient covered when the patient reaches his home country and requires follow up and
treatment. The Insurance Policies are tailor made for the patient.
Coverage of Medical Tourism;
Post Treatment complications.
Flight cancellation, lost luggage
Medical emergency not related to treatment
Insurance for the travelling Companion
Liability for the facilitator company or Employer