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Sunday, May 17, 2009

Advantages Of Tourist Health Insurance

By Ray Sondeo

One of the main problems with tourists insurance is the process submitting a claim and having the money one has spent on medical expenses returned by the insurance company. Insurance companies are eager when they want to sell you the tourist insurance. But when it comes to tourist insurance claims, the process can be long-winded.

When you are getting admitted in to a hospital or a health care center, you usually have to pay large upfront fees. Then when you are discharged, you have to pay the remaining bill. This can be a nagging problem that does not let you lie in peace.

The good news is that these troubles can be avoided by choosing the right Keyword policy. Some of the major tourist?s insurance policies on the market have a feature that will take care of these fees on your behalf. This feature is called a cashless claims settlement feature or direct claims settlement feature.

The insurance companies usually provide this facility for those who get admitted in to hospitals and health care centers that are within the company?s own network. Once you plan to get hospitalized, you call the company hotline and provide a proof of need for treatment. Then the company authorizes you for an in-network healthcare facility or a hospital.

Many tourist insurance companies already provide this kind of settlement with tourist insurance claims. By purchasing a tourist insurance that has this benefit, you will have some peace of mind while getting treated. That is because you will be free from settling your claims after the bills have been paid by you.

These tourist insurance companies also provide this feature for emergency hospitalization. In this case, a friend or a family member of the patient contacts the company and gets the required authorization. This kind of authorization is also available for non-network facilities in some cases.

With cashless or direct tourist insurance claims settlement, there is not much that will worry you when you have to get treated during your trip abroad. All your transactions are being taken care of by the company and you can just lie back and heal yourself.

Once you have the cashless insurance for tourists claims settlement facility on your insurance, getting treated while abroad will become a cinch. You will be able to avoid a potential financial crisis by not having to pay large upfront fees when you are getting admitted to a hospital during your travels. - 23211

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