A lot of people are wondering if their current insurance policy can cover medical tourism packages. You should know that some individuals have fallen prey to dishonest individuals who promise quality treatment and accommodations but are truly only interested in getting their cash quickly. Others experienced worse by being treated by doctors who are not truly experienced or qualified to perform different procedures and surgeries. Here are tips.

For Medical Tourism Operators

If facilitators are sued by the patient for negligent acts or unintentional misrepresentation of data, a policy regarding professional liability policy will then include the amount lawfully needed to be reimbursed by the facilitator, plus the costs for defense. The policy can be fixed to cover intellectual property, claims against the patient who has the insurance from actions of agents, consultants and sub-contractors, loss of documents, breach of confidential data, libel and slander and joint venture liability.

Personal accident insurance for operators of medical tourism is also available. This is the personal accident coverage that provides a pre-agreed amount, should the medical tourist become disabled permanently or dies during the medical tour or vacation. The compensation will be given immediately and can save beneficiaries from having to go through long and expensive litigation procedures.

The policy can be fixed to cover evacuation and repatriation, dismemberment or accidental death resulting from a medical process, permanent incapacitation because of medical procedure and hospitalization and medical expenses coming from the accident.

Availability of Insurance

Because of the widespread growth of medical tourism, insurance policies are now being made specifically for the tourists. Complications after the treatment can be paid for abroad or as soon as the patient returns home. The financial investment can also be protected. Coverage can range anywhere between $10,000 up to $100,000, while abroad and once the person returns home. Should you cancel your trip, you can get coverage up to $50,000. The traveling companion also gets benefits, such as travel accommodations. You will be covered including the amount that is non-refundable due to the medical hospital.

Medical evacuation coverage can reach up to $100,000. Acute diseases and injuries you acquire during the trip can be covered by insurance as well amounting up to $50,000.

Getting Serious

Majority of the tourists going abroad for treatment are not actually covered by the new available insurance policies. They will have to talk to agencies like Medicaid to look for relief and other answers if they go through bad experiences. Medical tourists do not usually go to other countries to get very serious operations, but only opt for more doable ones with fewer complications like plastic or cosmetic surgery.

If patients leave their home country to get very major operations abroad, they might secure an insurance policy, plus ask for accreditation from the medical institution they are visiting. They should also make sure that the attending physician and surgeon are fully competent and qualified for the procedure. The coverage of insurance will depend on the premium or package acquired and the condition of the patient.

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Medical tourism has grown widely over the years. A number of countries and hospitals have also made their mark by being accredited by the large governing bodies like the JCI and Trent. Some nations are especially popular for their expertise in doing a number of procedures. If you are aiming to get cosmetic surgery abroad, you have to ensure that the country you are visiting has a solid background on that area. Here are some more tips.

Initial Tips

Research medical tourism packages first and check the background and credentials of the health care provider. The patient has to ensure that the practice complies with the standards and regulations set by the foreign country’s regulatory body. The American Society for Aesthetic Plastic Surgery and the American Society of Plastic Surgeons have been very active in warning patients about the possible pitfalls of not researching your sources well. They encourage patients to only connect with JCI or Trent-approved institutions for optimal health and successful recovery.

You have to research the type of procedure that you are going to get. There are several operations or surgeries that can be made under the category of cosmetic surgery, such as facelift, nose job, botox injection, wrinkle removal, wart removal, skin tightening, liposuction, tummy tuck, etc. You should find out the best way to do the procedure then compare it with the details provided to you by your source overseas. You have to talk to your attending physician and surgeon to ensure that you are dealing with legitimate and professional individuals.

Planning Ahead

It is important that you finalize all the details a week before your departure. Settle local transportation options. You should set how and what type of vehicle will get you after your stay at the hospital. Ask for documents regarding contingency plans just in case any complication or error occurs during the cosmetic procedure. You might require follow up surgery or extra days to recover. A good medical tour operator will secure this document for you. Get this info first before you sign any contracts and secure your rights to protect yourself from any emergency or mishap.

Getting More Help

Consultation may be available for free or at a fixed price as soon as you get your medical tourism package for cosmetic surgery. Determine if your doctor abroad can provide you with any referral or is working with doctors from your home country. You can get full consultation from this other doctor, if the field is the same. Some cosmetic surgeries require longer recovery periods, so you may need a travel partner. Talk to your physician and ask how many days you expect to be hospitalized and how many travel partners should attend to you before and after the operation.

Always make it a point to talk to previous clients who have also gone to the same medical institution or were treated by the same doctor abroad. You can get more tips and details if it is worthwhile to invest in the medical tourism package. You might be able to save more in costs or get better accommodations, transportation and tour packages by dealing with the most reliable individuals.

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