Out-Patient Cover
Most medical plans purchased by expats include both in-patient and out-patient cover, since accidents and prolonged illness whilst abroad can be extremely expensive and very stressful.
Out-patient insurance covers consultations and treatments provided by a specialist or medical practitioner when an overnight stay in hospital is not necessary.
The premium for out-patient cover will be roughly the same cost as the premium for in-patient cover. In general out-patient claims are frequent but the amount of the claim relatively small. Not all expats consider the cost of outpatient cover worth the additional cost and are prepared to stand these smaller but possibly frequent expenses. However where families are concerned it is advisable to include the out-patient cover.
Like all insurance plans there are still general exclusions to out-patient plans which vary depending on the insurance provider.
Typical benefits that would be included in an out-patient plan include:
- Medical practitioner and specialist fees
- Routine health checks
- Prescription medicines
- Alternative treatments
- Diagnostic tests, including X-rays
- Home nursing
- Vaccinations
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Recent Questions / Comments:
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| Hello. I am currently in the us military stationed in the United Kingdom, Currently my fiance who visits from the United States is currently 14 weeks pregnant with no health insurance. While here she has been able to get some health checkups from the British midwives, but it has been our concern how long it will last. Our goal is for her to have our child here in england while we are together , but the only problem is my insurance will not cover her until we are married. What options are there if any, so that i may be able to purchase coverage for her to maintain and have our child here. | |
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| I am an Indian living in Indonesia. I would like to have a medical health insuarnce for me and my wife. I travel to USA and Canada quite often. We do not have any health insurance of our own except for the group insurance from my company applicable to me only. I am looking for a long term insurance which will be applicable in Indonesia, India and other countires. | |
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