Emergency Evacuation In Travel Insurnace?

Oct - 17 | By: AHT | one comment.

Filed under : Health Insurance

Hi,
What is meant by “Emergency Evacuation” in terms of travel medical insurance for those who come to US from India?
Usually,the insurance coverage says that it is up to policy max in case of Emergency Evacuation.
So, if the car accident happens & if the parents are taken to nearest hospital through just ambulance, would it be considered as “Emergency Evacuation” or would it be considered under just using ambulance service?
Thanks!

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One Response to “Emergency Evacuation In Travel Insurnace?”

Tom Z says:

October 17, 2009 at 5:42 pm

Depending on the plan, Emergency Medical Evacuation insurance covers the cost of transporting a seriously injured or ill person to one of the following locations:
The nearest adequate medical facility
A hospital near home
Or the hospital of his/her choice
Emergency Medical Evacuation insurance is usually included with both Travel Medical insurance plans and Trip Protection plans. However, unlike baggage insurance and trip cancellation insurance, it is also sold separately. Sufficient Emergency Medical Evacuation coverage is recommended, especially for long-distance trips abroad.
Being transported to the nearest medical facility would be covered as an ambulance service. If the injury or illness is too severe to be treated adequately by that medical facility the emergency evacuation benefit will pay to transport your parents to another hospital.
Read the policy carefully because there is no standard wording. Each policy will define the means, definition and extent of coverage for emergency evacuation.