Travel Assistance: how to calculate the amount of coverage abroad depending on the destination and avoid paying fortunes

As a result of recent cases, where Argentines have had to pay very large amounts in dollars to receive medical care abroad in the face of certain accidents and diseases, it is necessary to read carefully the contract of insurance of the traveler and of know the benefits that are provided. basis to avoid complications.

"In the contract, I said that my wife being over 70, the insured amount for $ 150,000 has been converted to $ 60,000.. We use this $ 60,000 in 15 days, at a rate of $ 4,000 per day.Mariscotti said, but once this credit was used, the hospital continued to charge on behalf of the patient.

"The $ 70,000 that I have to pay for them now," he admitted.

In this situation, the company Universal badistance -which is where the married couple took out medical insurance for the trip- pointed out that When you opt for coverage, you need to consider the country you are traveling to because the medical costs are different. "In this case, the problem was the gravity of the painting and fate, and if it happened in Chile, the amount insured would have been used to solve a problem like that," he said. Infobae Diego Baron, regional marketing director of the company.

Baron explained that the United States they have the most expensive medical services in the world and that A day of hospitalization can cost $ 5,000. "We also provide badistance to VISA credit card holders, in this case the free cardholder coverage is only $ 20,000.If a serious event requires an admission and an operation, you will reach Is why, We insist that people be better informed before traveling. It's best to get insurance for up to $ 150,000 ", he said.

In this company, for example, some products are considering expenses of up to $ 1 million. "The one they hire the most is one that covers up to 650,000 USD"said the baron, who said that this money would be enough to cover the costs of a medical airlift if necessary.

Travel Ace Assistance and Support card There are other companies on the market that offer different types of health insurance to travelers and allow online quotes. Its pages detail precisely the additional benefits that each traveler can add to his contract. For that, It is essential to read the details of each offer, as tempting as it is.

"Pre-existing diseases have exclusions and limitations of beneficiaries. See the badignment conditions, benefits and exclusions, "says on the website of Travel Ace Assistance.

In addition, they point out that increases in medical badistance were capping – up to 150,000 USD or 300,000 USD – they are only valid for beneficiaries under 80 years of age. And that there is a pre-ceiling cover for the over 70s. C & # 39; is to say, it covers less than the amount paid by contract.

Assit Card, on the other hand, allows personalize the badistance to the travelers the addition of additional benefits such as medical repatriation, medical insurance for athletes and the possibility of extending the coverage to 1 million USD. The higher the insured figure, the more the injured person can benefit from benefits and services. For example: If insurance is contracted for $ 150,000 and includes a medical flight, the total amount payable will leave that number. If the expenses are higher and do not reach $ 150,000, the money must be paid by the patient.

Therefore, in the opinion of the National Secretariat of Health, it is necessary "to badess the risk of displacement according to the destination, the duration and the activities that will be carried out at the time of the subscription of health insurance ". As well suggest to check the references of clinics near the destinations visited and to bring the drug usually taken in sufficient quantity depending on the duration of the trip to avoid paying too much abroad.