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Guide to Essential Money Tools
Healthcare Tools
Money tool - out-of-area and emergency cover
AXA PPP Healthcare
For most people buying international health insurance, one of the first considerations is where you will be able to receive the required care, not only for routine treatment, but also in case of emergencies whilst you are away from home. Most insurers offer varying levels of geographical cover for you to choose from. Geographical regions will usually be broken down into three main categories – Europe, Worldwide excluding USA and Canada, and Worldwide.
However, some insurers may have smaller, more limited areas, so it is always important to choose the option most suitable to you. Out-of-area cover is an additional benefit provided by many insurers, giving you the reassurance that you will be covered in countries outside your chosen area of cover. For example, you can receive treatment in Thailand even if you have European cover, whether you are travelling on business or for pleasure. While there are limits to the amount of benefit you can claim, usually out-of-area cover provides you with both in-patient and out-patient cover for emergency treatment of sudden illness.
Check the opening hours of customer service and support helplines and whether they are open at the weekends. Can you get in touch with them around the clock, 365 days a year? Another important consideration is whether you have access to an emergency evacuation or repatriation service. This means that in case of an emergency, if, in the opinion of an appointed doctor, you can’t get suitable or adequate inpatient treatment locally, you will be moved to the nearest appropriate facility to receive the required care. Unfortunately, none of us is able to predict which health issues may affect us in the coming year. What is important to remember is that you buy a policy that’s relevant to you and one that offers you peace of mind and cover for any unforeseen circumstance that may arise in the future.