Health medical insurance needs to be looked over past the traditional medical aid description for complete coverage of attainable health-related issues.
We quite often dream, and often realize that dream of exploring abroad, spending hard earned money with little reserves at hand. Health care is extremely expensive in South Africa, but occasionally frighteningly so in foreign territories. Travelling abroad means that health medical insurance is not an option should you take a trip abroad, but an absolute must. Cutting your finger or spraining an ankle is one problem, but a significant car accident, heart disease, heart surgery or some such significant problem can make you totally stranded and in desperate circumstances, without the way to pay for the medical assistance required. It is also fully necessary to read and view the conditions and terms of health medical insurance policies. Travel specialists, receiving commission on the sale of policies, will often include such a policy in your travel wallet and invoice you separately for such insurance policy. While this is advisable on many occasions, it may not be in your distinctive case. Some of such policies are very restricting in the rewards offered, both in financial values as well as in treatment options. Exclusions of pre conditions, like heart disease, among others are common. This implies should you require urgent cardiovascular disease treatment or an operation; the insurance company will decline any payout on proclaiming there was a pre condition of heart problems. In one such instance an individual had a heart attack while on holiday in France and requited an angiogram and three stents to be inserted. The insurance firm declined any payment on the travel medical insurance policy taken out, for the reason that person had previously been diagnosed with AF (atrial fibrillation) which condition can not cause a cardiac event per se, but was none the less a previously diagnosed "heart condition". It cost the individual's family to raise R150 000 at short notice to be delivered to France before the hospital would release him.
The same issue of health medical insurance applies when you leave the borders of South Africa and you travel around Africa. In these cases it may even be needed for you to be repatriated to South Africa for therapy, resulting in the charter of aircraft or other steps to be taken. On going even to Mozambique, Zambia, or Namibia, i.e. relative close destinations, you should take out a travel health care policy. In case you have a medical aid, it would be best to contact them first and foremost as most of them would offer extended cover with a lot more policy payments. Failing that you should leave enough time prior to departure to review any policies accessible in the market to ensure that you are covered sufficiently for any medical scenario while you are abroad.
Health medical insurance should not be neglected in the instance of foreign travel and should you journey to Asia, Russia, Turkey, Greece, the Middle East and such incredible spots, make certain that the insurance policy you are taking out covers you in these locations for any medical situation.
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