Tourists Blog
Thursday, May 17, 2012
- 11
Nov
2011 -
When in Rome, Purchase Tourist Insurance!
Filed Under: Blogging
Many tourists wonder why that is so. Why can't a health insurance bevvalid in Singapore, say, be valid in the U.S.? Or why can countries not open their free public health policy to include tourists? The reasons are many.
One of the main reasons is that general long term health insurance is meant to be affordable, and is calculated based on several factors. The plan holder’s medical history, his/her place of residence, the general prevalent medical conditions in that area, etc. are all factors that determine the premium. When the plan holder travels abroad, all bets are off, since there can be no telling how the destination will be. As far as the destination country goes, allowing tourists to access free public health care will only make the country a haven for treatment seekers, draining the national resources.
However, there are plans which cover the home country and international destinations. Sometimes, medical insurance for tourists might include coverage in the home country too, especially for U.S. residents. While coverage is typically 80% for within the U.S., and 100% internationally, this coverage can be very important for those who travel very frequently, and have no long term insurance.
