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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When going on a medical tour, you have to get the most out of the opportunity by choosing a country that specializes in your specific health need, as well as offers the best attractions to make your trip worthwhile. Although there are around 50 nations to choose from, there are 3 distinct places that made their mark by providing exactly what medical tourists want and staying updated with the latest standards of care and modern equipment.

Going to South Korea

South Korea or the Land of the Morning Calm is another favorite among medical tourists. The country is located in the southern part of the Korean Peninsula. To the east is China and to the north is North Korea. Seoul is a major global city and is one of the most developed cities in the whole world. You will find several top quality private hospitals and medical clinics in South Korea. One hospital in Seoul is accredited by JCI.

Some of these institutions have excellent facilities, English-speaking staff and VIP rooms. Other medical experts are also fluent in other languages like Chinese, French and Japanese. The Medical Act was revised by the South Korean government so that medical records and order communications will become electronic. The hospital information system in the country is among the most advanced globally.

Going to Israel

Israel is a Jewish State situated in Western Asia. Several countries border it, such as Egypt, Syria, Jordan and the Mediterranean Sea. Although Israel is considerably small in terms of size, you will find that the medical institutions are globally competitive. You can also enjoy your trip more because of its rich culture and many famous biblical and archaeological sites. Some of the reasons why tourists flock to the area each year include the high standards of facilities and medicine and modern tools and equipment. Several international medical summits and conferences are held in Israel every year. Israel is also very active in joint ventures with other western hospitals.

Some of the most popular procedures done to patients in Israel include IVF or in-vitro fertilization, bone marrow transplant, neurological procedures, cancer treatment, heart surgery, weight loss surgery, eye surgery, addiction problems and catheterization. Three hospitals at present is accredited by the JCI.

Visiting Mexico

Mexico is a favorite destination of American patients because of its close proximity to the United States. You will also enjoy the different attractions and sites in the country. A number of hospitals are already accredited by the JCI. You minimize your risk of developing complications before and after the medical procedure, since you do not have to travel half across the globe to get to Mexico.

Some of the popular procedures done in the region include cosmetic surgery, orthopaedics, dental work and weight loss surgery. Spanish is widely spoken, but English is understood by majority of the locals, especially those located in border towns. The climate in Mexico is also very ideal for vacationing tourists. You can expect ambient temperatures most of the year.

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There are several countries today competing to get accreditation from the top governing bodies, to hopefully become one of the best when it comes to providing medical tourism packages. There are 3 nations you have to specially consider, though, since these have been very consistent in giving quality care, as well as the most attractive tourist spots this side of the globe. Here are some more details on what to expect and why they’re the best.

Costa Rica

Costa Rica is situated just between Nicaragua and Panama. It is located between the North Pacific Ocean and the Caribbean Sea, so you can expect tranquil and breathtaking views and great weather most of the year. Costa Rica is only a 2.5-hour flight from Miami, Florida. Compared to other nations in Central America, Costa Rica has high standards of living, as well as a peaceful democratic rule. Some of the favorite activities by medical tourists are scuba diving, surfing, swimming, parasailing and sunbathing.

Costa Ricans mainly speak Spanish, although a lot of medical institutions in the area require most of their staff to be good at English as well. Some of the main reasons why you have to consider Costa Rica for your medical tour are its top quality health institutions, modern equipment and facilities and a highly ranked health care system. The system is actually better compared to the United States and you only pay a fraction of the cost. A couple of hospitals are accredited by the JCI. Some of the most preferred procedures in the country include dental work, weight loss operations, cosmetic surgery and orthopaedics.

India

India is situated in southern Asia with several countries surrounding its borders like Pakistan, Myanmar, China and Bangladesh. India has gone through a huge growth in terms of technology and medicine in recent years. It has also been very active in providing programs and aims to get more accreditation in its many hospitals to become one of the top medical tourist destinations in the world.

At present, there are 13 hospitals in the country that are accredited by the JCI. Some of the most common procedures that patients look for when visiting include cosmetic surgery, dental work, heart surgery and cancer treatment. The cost of care in India is considerably lower compared to other medical tourist spots. Patients can also communicate better with health care providers since majority of Indians are very good at speaking English. Visitors can enjoy their vacation more because of the India’s rich culture and unique sights, sounds and attractions.

Thailand

Thailand is arguably the most popular medical tourist destination globally. It is located in Southeast Asia, just west of Cambodia and south of Myanmar. Visitors like traveling to Thailand because it is conveniently located near other Asian countries, so you can cross the borders and go to several other nations in just one trip. Top quality medical services are offered with a number of private hospitals earning JCI accreditation.

Some of the most popular procedures done in the country include spinal fusions, orthopaedics, prostate surgery, coronary artery bypass grafts and gastric bypass. There are also medical institutions in Phuket, Thailand that specialize in cosmetic surgery, dental work and eye surgery. A lot of hospitals in the area at present have English-speaking staff.

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There are about 50 countries you can choose from to get medical treatment. Some of these countries offer the best hospitals and treatments, while others also have very colorful culture and experiences to add. Whatever your choice may be, it is important that you learn more about the country to blend well with the locals and have the vacation of your life. Here are some more nations that decided to become globally competitive in medical tourism.

Thailand

Thailand is the number one choice of most medical tourists because of its wide range of medical expertise and the several available tourist hotspots all over the country. Medical tourism has significantly grown in Thailand in the past few years. A single hospital in 2005 admitted 150,000 foreign patients. Some of the procedures sought after by patients include cardiac surgery, orthopedic surgery, cosmetic surgery, organ transplant and dental work. Some other procedures include physical therapy, mental treatment and spa.

The cost of health care in Thailand is also very cheap. Expect to pay only 10% to 25% of what you are charged in the United States. Several hospitals also have interpreters so that patients can communicate better with doctors. Most hospitals have English-speaking staff too. Today, several hospitals in the nation are accredited by the International Organization for Standardization and JCI. Traveling to Thailand will expose you to a variety of world class resorts, restaurants and other popular sights and events.

European Choices

Even though Asian and South American countries are the most popular choices, Europe has also grown in medical tourism. There are so many European nations now offering medical tourism packages, such as Germany, Hungary, Malta, Spain, Ukraine, Czech Republic, Portugal, Poland and Lithuana. The Czech Republic primarily focuses on spas and health care that competes with the best in the world.

Germany is another top destination because of its state of the art equipment, very high standards and modern facilities. All citizens have health coverage. Waitlists are also considerably shorter in Germany and cost of treatment is 50% cheaper compared to America. Middle Eastern patients now prefer going to Germany instead of the United States because of the very strict regulations since the September 11, 2001 attack.

New Zealand and Mexico

New Zealand is new to the list of medical tourist hotspots. Several of the hospitals in New Zealand are accredited internationally. The cost of surgery is especially cheaper by around 80% compared to the United States. You also get to enjoy tranquil scenes and a very safe environment when vacationing this side of the world.

Mexico is a popular spot for Americans who live very near the border. The specialty treatments of the country are plastic surgery and dental work. The cost of care in Mexico is only 20% the cost you pay for in America. Medical tourists going to Mexico report that treatment and accommodations are very satisfactory. A lot of foreigners also go to Mexico each year to undergo lap band surgery and bariatric surgery to reduce weight.

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