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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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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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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