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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Cosmetic surgery is one of the biggest branches of medical tourism. Thousands of individuals flock to various countries all over the world each year to get treatments such as liposuction, face lifts, eye surgery, wart removal and many more. Cosmetic surgery in Asia is especially cheaper compared to the States. You also get to have world class accommodations and get to see new sights for a totally enjoyable vacation.

The Growth of Cosmetic Surgery

In the past decade, the number of people going for cosmetic surgery has significantly grown. With the start of medical tourism, even more individuals are going under the knife because of cheaper costs and the availability of modern equipment and technology to perform the different operations. In the past, only first world countries were capable of doing operations because of state-of-the-art tools and well-experienced surgeons.

Some countries like Thailand, Singapore and the Philippines are now widely known for their modern equipment and facilities. The doctors are also well-trained and already have a wide expertise on various cosmetic procedures. A number of medical institutions in these places now boast of having accreditation from the JCI. You can also get advantages in terms of airfare cost, transportation and hotel bookings.

Tips for Tourists

Tourists are advised to pick cosmetic clinics in country located near your place of origin. However, the availability and convenience of modern air travel has allowed people from the west to easily go halfway around the world and return in less than 10 days. American patients may travel south to Brazil, Mexico and Costa Rica, while others will go as far as the Asia Pacific or the Mediterranean to get treatment. Some of the other popular places for cosmetic surgery include Turkey, Malta, India, China and New Zealand.

Patients should plan and prepare for their travel carefully. The waiting list is significantly shorter in Asia, so you can expect to have the procedure a day or two after you arrive. You can also gain advantage of medical tourism packages wherein you get transportation to and from your hotel, meal bookings and tours around the city before and after your operation. You can talk to your travel agent to prepare a top quality hotel for your stay.

Staying Safe

Medical tourists are advised to stay a few days more after the cosmetic procedure to avoid any complications and ensure that they are truly recovered and stable before traveling back to the States. You should research a bit about the different laws and consumer protection regulations in the country you are visiting. Determine whether or not your current insurance policy will cover your case even if you are getting treatment overseas.

Go online and learn more about your cosmetic surgery. Talk to other patients who have undergone the same procedure and ask them about the different pros and cons of traveling abroad. You can minimize the risks and complications by staying prepared for these particular factors. You should also talk to your local doctor and the surgeon who will do your operation for maximum benefits.

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Cosmetic surgery is one of the most common practices that medical tourists go for abroad. They wish to take advantage of the cheaper costs, modern technologies available and the opportunity to see new places. Before you get a package, you have to learn more about the possible risks and other options you have regarding the procedures. You can make the trip more convenient and easy by finding out the different features and requirements.

About Cost

When going for cosmetic surgery, you have to compare prices between countries and hospitals. Expect to pay 40% to 80% less than what you expect in the United States or United Kingdom. The cost will be determined by your current condition, the type of surgery and other special features. Of course, getting top quality accommodations and other features will also equate to a more expensive medical tourism package. You can get any type of procedure available in America, such as tummy tucks, liposuction, nose jobs, face lifts, breast augmentation, chin repair and many more.

The cost of tummy tucks in the States is around $8000 to $8500. You can get about 60% off, depending on the place and hospital. Breast augmentation will cost you around $6000 to $6500 in America, but getting it in Southeast Asia will only cost you about $2000 to $3000. Expect to spend around $8000 to $8500 for breast lifts in the States. If you plan to get it overseas, you can slash costs by 40% to 75%. Breast reduction will charge you about $8000 to $9000 in first world countries. However, if you choose to go for a medical tourism package, you will only be charged around $5000. Lap-band surgery in America costs around $18000, but getting it in Asia only costs around $6000 to $10000. You can also get liposuction in three various areas for only $5000, compared to the standard $8500 price tag in the United States.

Finding the Right Country

You have to familiarize yourself with the different options you have when it comes to picking the right destination. Read more about each country and determine which factors make it very competitive for medical tourism, specifically cosmetic surgery. Some nations are better known for their expertise at a particular procedure or two. For example, Thailand is highly recommended for its breast lifts and breast augmentation procedure. You can get excellent results when it comes to liposuction and tummy tucks in the Philippines. A lot of individuals travel to Jordan or Israel for lap-band surgery, facelifts and nose jobs.

Also ensure that the medical institution you are visiting is accredited by the JCI or Trent. Other accreditations will also help you make sure that you are dealing with competent and reliable professionals. Learn more about the available facilities and technology they have.

Final Tips

Doctors highly recommend that you get an insurance policy covering your treatment abroad, just in case you experience untoward incidents or are not fully satisfied with the results. There are policies available today covering traveling medical tourists. The coverage will include recovery period and follow-up procedures and surgeries if needed.

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Medical tourism packages are offered by various institutions from different countries all over the globe. Before you get one, you have to ensure that you are only dealing with professional and experienced groups and individuals. Also learn every detail and inclusion in the package to make sure that you are getting your money’s worth. You can fall victim to unscrupulous bodies if you do not study your sources first. Here are some tips and tricks.

The Ideal Medical Tourism Package

A good medical tourism package will be well-documented, including all the details of your supposed trip or medical vacation. There should be quotations that specifically indicate why the total package will be priced as such. You should also be provided will all the wavers and coverage of protection available via your current insurance policy. Good hospitals will always inform you about state or national laws that might alter from the ones present in your home country, just so you can stay prepared and avoid any problems in the future.

The package should only come from medical institutions, clinics or hospitals that are accredited by the right agencies, like the JCI, Trent, ISO, etc. The quotation should include the name of the physicians and surgeons conducting the operation, the type of operation to be done, the duration of hospitalization, complete address and contact number of the place and other follow-up treatments and medications required. The package should entail all the features and added bonuses of your trip, if there are any, such as hotel accommodations, transportation, meals and tours.

Your Insurance Policy

A good hospital will provide you a contract which you need to sign to agree to the terms of treatment. You will also be shown all your rights as a patient, such as the right to refuse treatment, the right to choose your doctor and the procedure to be done and the right to choose which place you want to stay. Of course, recommendations will be provided but it is always the patient who makes the final choice, regardless of the results.

Your current insurance policy may not cover medical tourism packages, but you may be referred to companies that now provide several benefits amount up to $100,000 or more to medical tourists. The insurance policy will cover all types of treatment, depending on the feature and premium. You can get protection even after the operation is complete or if you experience complications and other problems back in your home country, related to your previous surgery or treatment.

On Payment

The medical tourism package, will usually require a down payment from you, before it is finalized. You can make the payment via credit card or money transfer online. You can also ask for a third party, such as an affiliated medical group in the States to guarantee your payment. You will most likely be asked to pay anywhere between 10% and 25% of the total cost. The final cost provided should be the same as the one you pay after treatment. You can pay the rest after you get treated.

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