Insurance for Medical Tourists

Why do I require a special insurance policy?

Patients travelling abroad for treatment need to be aware that their standard travel insurance policy does not cover medical procedures or dental care abroad. Although your policy may have worldwide cover it is almost always for emergency medical treatment only. It will not cover you for overseas for treatment.


Lockton Singapore

Insurance broker Lockton Singapore recently launched an insurance product called Scope to cover the cost of medical complications for medical travellers receiving surgery abroad. The policy offers cover for residents of most countries around the world travelling to any of 300 listed JCI accredited hospitals.

Tony Mitchell, President of Lockton Singapore says “Today around 75% of medical travellers organize their medical travel through the internet. They take care to buy travel insurance in anticipation of flight delays and baggage loss, yet neglect to consider the biggest potential risk: insurance for their surgery”
Scope, Insurance for medical complications covers and reimburses expenses related to medical complications due to surgery. Indeed, it is not uncommon to spend a few more days at the hospital as an operation requires additional care and often these cases lead to unexpected expenses that may completely negate the financial advantage of seeking treatment abroad.

Scope, Insurance for medical complications covers patients during and after their surgery and for the duration of the stay in the destination country. Patients also have the option to purchase additional cover so as to provide a more comprehensive insurance plan: additional 60 days protection on return to their country of residence, to reimburse certain legal expenses relating to medical malpractice claims that they bring against a medical institution or medical practitioner.
This policy is available for individuals from 21 to 69 years old, including those with pre-existing medical conditions such as asthma or high blood pressure. Residents from most countries around the world (excluding USA) travelling to accredited hospitals are eligible.
Scope, Insurance for medical complications covers more than 100 surgical procedures including liposuction, breast augmentation, Lasik, dental implant, knee or hip replacement just to name a few.
Mr. Mitchell concluded: “In some cases the probability of medical complications can greatly exceed 10% depending on the surgery type and we want to give opportunity to most to purchase an affordable insurance so as to travel with peace of mind. For instance, an English resident needing a facelift in Thailand will only pay a premium of $389 for a complete package covering up to $100,000 of additional cost arising from medical complications”

Lockton is the world’s largest, privately owned, independent insurance broker. Lockton service teams can be found on four continents and in major cities throughout the United States, United Kingdom, Ireland, Latin America, the Middle East and Asia.

Visit the website at www.locktonmedical.com

Angelis

Angelis is one company that has created a travel insurance policy specifically for people travelling abroad from the UK for medical, cosmetic or dental treatment. Angelis has developed a policy in conjunction with underwriters at Lloyd’s that removes medical travel exclusions and also provides cover for a number of situations that could potentially arise with medical tourism.

Visit the website at www.angelisgroup.com

P J Hayman & Company

Based in the UK, P J Hayman & Company (PJH) is a specialist Travel Insurance and Schemes provider founded in 1990.  The company offers a product called Free Spirit Travel for Treatment Insurance, specifically designed for medical tourists. The policy is available to UK nationals resident in the UK, Channel Islands or the EEA up to 74 years of age.

Visit the website at www.pjhayman.com