In order to benefit from doctors visit cover you need a health insurance
plan which offers cover for Outpatient benefits to
complement Inpatient benefits.
Outpatient benefits include doctor consultations and
medications prescribed by the doctor.
As for Inpatient Hospitalisation some countries such as
USA have expensive Outpatient cost; it is advisable to
have a suitable health insurance in force with
Outpatient benefits to cover the high cost Outpatient
can require.
Being covered for doctors visits will give you peace of
mind should an unexpected accident or diseases occur.
Outpatient health insurance plans coverage includes visits as well as
treatment from a Gp or specialist whether or not
Hospitalisation is required.
In comparison to Inpatient expenses, doctor’s visits and prescribed
medications are small but occur more often than
Inpatient. It is important to determine whether the cost
of paying for Outpatient is worth it. For instance in
some countries such as Thailand the cost of Outpatient
expenses may be small and therefore Outpatient cover may
not be crucial.
Apart from typical exclusions found in most Health
insurance plans, usual Outpatient benefits include the following:
-
General practitioner and specialist fees
-
Prescribed medications
-
Outpatient Diagnostic tests such as Pet scan, MRI or
X-Rays.
-
Health screenings
Some Outpatient plans may optionally cover the
following:
-
Vaccinations
-
Home Nursing
International Health Cover
