Living overseas will come with many challenges. In remote parts of world, where overseas emergency take place, that hospital may be hundreds or even thousands of miles away. As an expat living abroad, you must be prepared for the worst and hope for the best. Suddenly falling ill or affected by virus while visiting remote area or some rural village, or experience a serious medical emergency while hiking, may require emergency medical evacuation via air ambulance. The service consists of transporting to the closest medical facility or a home-city hospital.
Importance of Emergency Medical Evacuation Cover While Living Abroad?
The decision to evacuate always rests with the evacuation provider or insurance company and is based on many factors – such as the ability of local medical providers to treat your illness or injury. You may be transported to the nearest appropriate medical facility via a local ground ambulance, a helicopter, an air ambulance, a commercial flight, or another suitable mode of transportation, depending on the situation. On commercial air flight evacuations, a doctor or nurse may accompany you if required. The evacuation carrier may also provide arrangements for your family to travel with you.
When living abroad, especially in a developed or third world nation, medical evacuation may be a necessity. The cost of providing air ambulance is considerable and extremely complex. The services of an experienced and capable evacuation carrier are invaluable for any expat assignment. Having evacuation coverage will provide the necessary coverage and peace of mind that is a requirement for almost all expatriate assignments.
Moreover, most domestic health insurance plans don’t cover the cost of medical emergency evacuation. This makes even more important to have an international health insurance plan with evacuation policy before you and your family moving abroad. In some cases, when a medical emergency takes place, quality healthcare can be difficult to access even in large modern cities. Of course, hopefully nobody would need to experience emergency airlifted to hospital in a foreign country. But please stop and take a minute to consider real-life examples, how do you know the level of healthcare available in your location when you are abroad? How do you prepare to pay for the services? How can you get your family home if further treatment occurs?
Luckily, an international health insurance plan with emergency medical evacuation service responds to all questions above. Depending on the plan you have chosen, you can access to one or different degrees of medical evacuation coverage. No matter you are taking a one-week trip or planning to move abroad long-term, an international health insurance plan with emergency medical evacuation service should be your first consideration.
Expat Financial offers medical emergency evacuation from a variety of insurance providers. We provide individual evacuation coverage for short trips and also for expatriates who have been posted abroad. We also offer an individual evacuation plan from the Sky Rescue medical evacuation plan from IMG. The plan is appropriate for individuals and family members travelling outside their home country who do not require travel medical or expat healthcare or already have this cover in place. It also offers international emergency services, including emergency medical & political evacuation, repatriation, reunion and return of mortal remains combined with international travel assistance services. The Sky Rescue evacuation policy may be purchased directly for three months, six months or 12 months.
Our firm can also quote group evacuation plans that are offered on a stand-alone basis or as part of a comprehensive global benefit plan. Some plans will include coverage for terrorism-related claims. Some companies will also obtain security or disaster evacuation coverage for their expat employees.