Medihelp, one of South Africa’s leading medical aid providers, offers specific benefits for international travel. This blog post will explore what Medihelp covers when you travel internationally and how to make the most of your benefits.
What Does Medihelp Cover for International Travel?
Medihelp provides coverage for medical emergencies that occur while you are traveling outside South Africa. Here are the key aspects of this coverage:
- Emergency Medical Treatment: Medihelp covers the usual, reasonable costs of emergency medical treatment received from a qualified medical professional while you are abroad. This coverage is valid for up to 90 days from your date of departure or until you return home, whichever comes first.
- Emergency Transport: In case of a severe medical emergency, Medihelp covers emergency medical transport, including evacuation and repatriation, ensuring you receive the necessary care promptly.
- Additional Travel Insurance: While Medihelp provides a solid foundation of emergency medical coverage, it is advisable to obtain extra travel insurance. This additional insurance helps cover the difference between Medihelp’s benefits and the actual cost of medical services abroad.
Important Considerations
- Pre-Existing Conditions: Coverage for pre-existing conditions may be limited or excluded. It’s crucial to check the specifics of your plan and consider additional travel insurance if you have any chronic conditions.
- High-Risk Activities: If you plan to engage in high-risk activities, such as extreme sports, ensure your travel insurance policy includes coverage for these activities, as they may not be covered under standard medical aid plans.
- Claim Process: In the event of a medical emergency abroad, you may need to pay for services upfront and submit a claim to Medihelp upon your return. Ensure you keep all receipts and documentation to facilitate the claims process.
How to Prepare for International Travel with Medihelp
- Notify Medihelp: Inform Medihelp of your travel plans, including your departure and return dates, and the countries you will be visiting. This helps ensure your coverage is in place and any necessary arrangements are made.
- Carry Important Documents: Always carry your Medihelp membership card and contact information for Medihelp’s emergency services while traveling.
- Understand Your Coverage: Familiarize yourself with the specifics of your Medihelp plan, including what is covered and any exclusions or limitations. This knowledge will help you make informed decisions in case of an emergency.
Conclusion
Medihelp provides essential coverage for medical emergencies during international travel, ensuring you have access to necessary medical care when you need it most. However, it’s important to supplement this coverage with additional travel insurance to cover any gaps and provide comprehensive protection. By understanding your Medihelp benefits and preparing adequately, you can travel with confidence, knowing you are well-protected.