US and UK teaching professionals typically travel abroad for teaching the English language to other country citizens. The teaching assignment is generally for a few months and sometimes extends for more than a year. An international travel health insurance policy is an absolute must for these individuals to secure themselves during any emergencies that arise due to medical reasons.
Long term or short term international health insurance plans can be purchased by these teachers based on the duration of the assignment abroad. Coverage periods, benefits as well as the validity period vary depending on the international insurance plan as well as the insurance provider.
International short term medical insurance plans can be purchased for a minimum of period of 5 days and can extend up to a year. Some travel medical insurance plans can be renewed for a continuous period of 36 months. Short term international insurance plan provide coverage for children, spouse as well as dependents.
Short term international medical insurance plans can cover medical expenses including doctor consultation, surgeries, hospitalization and emergency repatriation. These plans generally exclude coverage for pre-existing medical conditions. The other exclusions include dental treatments, routine check-ups, vaccinations and tests taken for preventive care. Generally, short term international plans come with a lot of restrictions during temporary stay at homeland during the valid period of coverage.
Long term international medical insurance plans are recommended if the initial planned travel abroad is for more than a year. Teachers can choose from two broad categories of coverage benefits – Fixed benefit and Comprehensive benefit.
Fixed benefit plans offer limited benefits and the coverage amounts are also relatively small whereas comprehensive plans cover more services and are beneficial in the long run.
Long term international insurance plans can provide coverage at the home country also. In order to apply for the long term plans, teachers need to fill in a lengthy questionnaire with the enrolment form.
Certain long term international travel health insurance plans offer additional coverage benefits like emergency medical assistance, maternity coverage, medical evacuation and repatriation, preventive care and pre-existing conditions. The premiums rates are calculated based on the services you opt for.
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