Insurance and Medical Tourism: What You Need to Know

Does Your Insurance Cover an Intervention Abroad?

1. Check your health insurance contract
   In Switzerland, some basic insurance only covers treatments provided in the country. However, supplementary insurance may include coverage for care abroad, especially if treatment is considered necessary or if the care is cheaper than in Switzerland.
   
   
2. Planned care vs medical emergencies
   Most insurances cover medical emergencies that occur abroad, but planned procedures, such as cosmetic or dental surgery, are not always included. Be sure to check this distinction in your contract.
   
   
3. Prior agreement
   To obtain coverage, some insurances require prior authorization. Contact your insurance company to find out what steps to take.
   
   

How to protect yourself in case of post-operative complications?

Post-operative complications, although rare, may occur. Here are some ways to protect yourself and ensure adequate medical follow-up:

1. Take out special insurance for medical tourism
   Some companies offer specific insurance that covers:
   
   
   
   • Complications that occurred after an intervention abroad.
   • Additional costs related to re-hospitalization or surgical correction.
2. Collaborate with a reliable agency like InMedica
   InMedica guarantees you comprehensive follow-up, including coordination with partner clinics to treat possible complications. In addition, we facilitate your medical follow-up upon your return to Switzerland.
   
   
3. Ask for a post-operative guarantee
   Serious clinics generally offer a guarantee covering the adjustments or treatments required after the intervention. Make sure this warranty is included in your contract.
   
   

Comparison of Insurances Adapted to Care Abroad

Here is an overview of insurances that can be useful for medical tourism:

Type of Insurance

What It Covers

Key points

Complementary Health Insurance

Some treatments planned abroad, according to the terms of the contract.

Check what countries and types of care are covered.

Medical Travel Insurance

Emergency expenses, repatriation and additional living expenses in case of complications.

Ideal for one-time treatments with temporary coverage.

Post-Op Complications Insurance

Care required in case of complications after an intervention abroad.

Available through specialized agencies or directly with some international clinics.

Clinical Guarantee

Guarantee provided by the clinic to cover post-operative corrections.

Ensure the transparency of the conditions and their validity upon your return to Switzerland.

Tips for choosing the right insurance

1. Compare available options
   Take the time to evaluate the offers of insurers according to your needs and your destination.
   
   
2. Read the short lines
   Check the exclusions in your contract, especially with regard to beauty treatments, which are often not covered.
   
   
3. Give priority to professional support
   InMedica helps you navigate insurance options and choose the one that best fits your procedure and destination.
   
   

Conclusion

Insurance is a crucial element to consider in order to ensure a stress-free medical tourism experience. Whether for partial or total coverage, it is important to be well informed and to choose insurance adapted to your needs. With InMedica, you benefit from personalized support to secure each stage of your project, including questions related to insurance.

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