llnesses that suddenly occur during a trip can mean that medical help must be sought abroad. The expatriate health insurance sometimes does not always cover the costs for treatments abroad. The assumption of costs depends on the country of vacation and the medical services used. With international health insurance , you have the option of protecting yourself against high treatment costs.
With your comprehensive health insurance, as an insured person, you are financially protected against treatment costs in the event of illness or the consequences of an accident. When traveling abroad, however, this is different. Depending on the travel destination, insurance cover is no longer fully valid abroad or is even completely excluded. First of all, the decisive factor is whether your holiday destination belongs to or whether there is a social security agreement. In this case, those with statutory health insurance can seek medical treatment and the costs are covered by statutory health insurance. However, the assumption of costs only relates to basic treatments. Dental treatments abroad care in many cases excluded from the benefits of the statutory health insurance. A repatriation in case of illness is not covered by public health insurance. You have to pay for this benefit yourself if you have not taken out health insurance abroad.
A foreign health insurance primarily covers the costs that arise from medical treatment abroad. The additional costs for a patient repatriation are also part of the insurance cover. These will be reimbursed to the agreed extent, provided they are not paid for by the comprehensive health insurance.
The benefits of the international health insurance include, in particular, the assumption of costs for:
- outpatient treatment at the doctor or in the hospital
- inpatient stays in the hospital
- Medicines, bandages and remedies
- Dental treatments for pain relief
- Return transport including luggage transport in the event of illness
- Transfer of the insured in the event of death
In the case of many illnesses or injuries, it is not necessary to stay in hospital. Then treatment by a doctor on site or on an outpatient basis in the hospital is sufficient. Costs can arise in the context of outpatient treatment, in particular for the diagnostic examination, but also for medicines, remedies and bandages. X-ray examinations are also often carried out on an outpatient basis and are used for diagnostics. In the case of more serious illnesses or injuries, inpatient admission to a clinic may be necessary. This is usually the case when you are admitted to a ward and given a bed to accommodate you. All outpatient and inpatient treatment must be medically necessary.
