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Am I covered for overseas medical treatment?
- Emergency overseas treatment: Usually covered
- Planned overseas treatment: Requires pre-approval
- Coverage limits may differ from local treatment
- Keep all original receipts and medical reports
What is deductible and co-insurance?
- Deductible: Amount you pay before insurance coverage starts
- Co-insurance: Percentage you pay after deductible
- Example: $3,000 deductible + 10% co-insurance means you pay first $3,000, then 10% of remaining bill
Are pre-existing conditions covered?
- Declared conditions: May be covered with waiting period or exclusion
- Undeclared conditions: Not covered and may void policy
- Review your policy schedule for specific exclusions
