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Out-Patient

Out-patient benefits cover you for treatments that do not require hospitalization.

 

Many worldwide medical insurance premiums contracted by expats assemble both an in-patient and an out-patient dimension. If the in-patient dimension offers a high standard of treatment and comfort inside the hospital, the out-patient dimension adds a more daily life aspect to the premium. Out-patient worldwide medical insurance covers consultations and treatments provided by a specialist or medical practitioner when an overnight stay in hospital is not necessary. It also often adds a wide range of medical specialists (from speech therapy to acupuncture).

 

Generally out-patient claims are more regular but represent lesser amounts as the claim is not often linked to surgery or heavy procedures. Not all expats consider the price of out-patient cover worth the additional cost and are prepared to stand these smaller but possibly frequent expenses. However where families are concerned it is advisable to include the out-patient cover. A single expat may consider that this type of premium is very expensive for a couple of visits to the doctor, but for a family, especially with very young children, the little expenses can pile up very fast.

What Cigna Global can offer:

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CIGNA GLOBAL offers two levels (INTERNATIONAL MEDICAL INSURANCE and INTERNATIONAL MEDICAL INSURANCE PLUS) of coverage for out-patient expenses. Both levels offer:

  • Out-patient Surgery
  • Scans Includes CT, MRI, PET, and CT-PET scans.
  • Oncology Treatment given for cancer.
  • Out-Patient Psychiatric Treatment
  • Out-Patient Charges For the second level of coverage. Includes physician and specialist fees, prescribed drugs, and diagnostic tests.
  • Out-Patient Treatments and Therapies For the second level of coverage. Includes treatments administered by chiropractors, osteopaths, and other medical practitioners, and therapies such as physiotherapy, Chinese herbal medicine, acupuncture, oculomotor therapy, and many more.

What Clements GlobalCare can offer:

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CLEMENTS GLOBALCARE only offers one level of out-patient coverage and it is built in its STANDARD PLAN. That coverage offers:

  • Out-Patient Surgery Scans Includes CT, MRI, PET, and CT-PET scans.
  • Out-Patient Charges Includes physician and specialist fees, prescribed drugs, and diagnostic tests.
  • Out-Patient Treatments and Therapies Includes treatments administered by chiropractors, osteopaths, and other medical practitioners, and therapies such as physiotherapy, Chinese herbal medicine, acupuncture, oculomotor therapy, and many more.
  • Oncology Treatment given for cancer.
  • Out-Patient Psychiatric Treatment
  • Out-Patient Alcohol and Drug Abuse Treatment

What GeoBlue can offer:

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Both (GeoBlue Expat EXP and GeoBlue Expat) GeoBlue‘s plans offer the same extensive level of coverage with the following benefits:

  • Surgery Includes diagnostic scans, physician and specialist fees, prescription drugs, diagnostic tests and treatment.
  • Physiotherapy Includes speech therapy, other therapies.
  • Emergency In-Patient or Day-Patient Treatment Outside area of cover.
  • Psychiatric Treatment
  • Out-Patient Alcohol and Drug Abuse Treatment

What IMG can offer:

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Except for the basic GLOBALFUSION SILVER PLAN which does not offer Acupuncture, Aroma Therapy, Herbal Therapy, Magnetic Therapy, Massage Therapy and Vitamin Therapy; all of IMG’s plans provide the same out-patient cover:

  • Surgery Diagnostic Scans, Physician and Specialist Fees, Prescription Drugs, Diagnostic Tests, Treatment
  • Physiotherapy Includes acupuncture, aroma therapy, herbal therapy, magnetic therapy, massage therapy and vitamin therapy.
  • Emergency in-Patient or Day-Patient Treatment Outside area of cover.
  • Day-Patient and Out-Patient Radiotherapy and Chemotherapy Cash Benefit
  • Psychiatric Treatment
  • Oncology

What IntegraGlobal can offer:

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INTEGRA GLOBAL offers two level of out-patient coverage: PREMIER PERSONAL PLAN and PERSONAL HEALTH PLAN. They both include the same services but differentiate from each other by their level of coverage.

  • Out-Patient Surgery
  • Out-Patient Charges Includes physician and specialist fees, prescribed drugs, and diagnostic tests.
  • Out-Patient Treatments and Therapies Includes treatments administered by chiropractors, osteopaths, and other medical practitioners, and therapies such as physiotherapy, Chinese herbal medicine, acupuncture, oculomotor therapy, and many more.
  • Oncology Treatment given for cancer.
  • Out-Patient Psychiatric Treatment
  • Scans Cover and Higher Level of Coverage With the Premier Personal Plan. Includes CT, MRI, PET, and CT-PET scans.

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