What Things To do if You Get Sick While Traveling Abroad
Know What to do if You Get Sick While Traveling Abroad
Know what to do if you get sick while travelling abroad

While traveling abroad, changes in weather conditions, food and water and bug/insect bites can result in unexpected illness or stress. Even accidents, political unrest, attack and theft could lead to unforeseen medical conditions. Therefore, a traveller must always know what he needs to do deal with such medical situations. These situations may or may not require urgent medical attention and hence can be categorized as emergency and non-emergency situations respectively.

Before you take the trip

  1. Know your insurance policy well. It should be well understood what benefits are included and what is excluded from the policy. It’s always beneficial to know what medical expenses would be covered and to what extent.
  2. Understand how the payment system works. It is also recommended to know if medical evacuation is covered.
  3. Always carry insurance id-card (or print out).
  4. The insurance company help line number should be kept handy.
  5. Always be informed about the local emergency numbers esp., the ambulance and police. For United States of America, the emergency number is 911.
  6. Read about the climate of the destination country and prepare your suitcase accordingly. The first step to avoid any medical emergency is preparing yourself.
  7. Carry first aid with you so that you can help yourself.
  8. Leave a copy of your passport, visa and visitor insurance with family/trusted person so that in case of an emergency, you can be contacted.
  9. If the medical emergency arises in a country other than the United States, insurance companies usually may have tie up with only few medical providers. In this case, the traveler has to pay up-front and send claim forms to the insurance company. On the other hand, in the United States, insurance companies have larger provider network that supports direct billing for covered expenses.

During an Emergency Situation:

  1. Try to keep calm and call the local emergency number. Try to get to any hospital/medical care facility as soon as possible.
  2. Provide insurance information to hospital/medical care facility.
  3. Inform your family members/friends.
  4. Inform the insurance company as soon as possible. Their phone number is printed on the insurance ID card.

During Non-Emergency Situations:

  1. Inform the insurance company. Their phone number is printed on the insurance ID card.
  2. Ask for the closest medical care provider.
  3. Once the hospital/medical facility/medical caregiver is reached via phone, ask for the earliest appointment.
  4. Save all itemized bills and payment receipts. These may be required for claim submissions.
  5. Ask for all medical records.

How MCIS can help:

  1. MCIS can help you understand the benefits of your insurance plan. We can provide you with the fair comparison between different insurance plans. This enables you to make the right choice based on your travel plans and preferences. Besides this, in both, non-emergency as well as emergency situations we help you locate closest medical provider within your network.
  2. MCIS also helps the insured in claim submission process. Once the insured person provides the necessary documents like filled claim forms, invoices and receipts, our trained insurance specialists reviews these claim documents. Also, they follow up with the insurance company and update the insured with the status of their claims.
  3. In case, the insurance document gets lost or stolen, we can provide a copy.

Before planning a trip, contact MCIS and talk to our friendly insurance specialist. Make the right choice for your visitor insurance and look forward to a stress-free trip!

Category: Visitor Insurance

September 05, 2015 at 11:22 PM

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