The importance of having international health insurance
International health insurance ensures immediate, high quality medical care.
These days, more and more people travel abroad, whether as tourists, to work or to study. Many travellers do so without proper medical insurance, perhaps thinking that nothing will happen to them. But what happens? An accident, a fall, or an illness can occur without warning and can prove very expensive, in addition to other problems. The European Health Card allows access to national health systems in the countries of the European Union and Switzerland, but imposes the same conditions on travelers as it does on the local population, so if the system requires contributions towards the cost of services then these are applicable to the traveler and the costs can be significantly higher than the cost of medical insurance.
Advantages of medical assistance
Travel insurance or medical insurance with international coverage offers numerous advantages in these cases. Firstly, because they guarantee almost immediate medical care. Simply call the international emergency number (24 hours) and they will advise you which hospital you have to go to, depending on where you are and then they will also advise you on everything you need. They will make the necessary arrangements with the hospital, so that you do not have difficulties iwht communication and administration at a time when you need medical treatment first and foremost.
In addition, if, for example, you have a traffic accident and the ambulance takes you to a third party hospital, the insurance will reimburse you the expenses incurred upon your return to Spain, after submitting the corresponding invoices. The health insurance covers general practioner (GP) assistance in case of minor illnesses, emergency care and any other specialist's needs, including all necessary diagnostic tests, treatment and surgery, in addition to hospitalisation.
Another very important advantage of travel medical insurance is that if you need hospitalisation or to undergo surgery, you are covered for the travel costs and accommodation for a family member so that they can keep you company. It also covers repatriation back to Spain if necessary.