How A Travel Health Insurance Works
When purchasing a health insurance, the money you pay (your “premium”) is combined with the premiums of others to form a pool of money. That money is then used to pay the
medical bills of the participants who are in need of health care and assistance. Your coverage remains applicable as long as you continue to pay your premiums. Once you purchase the insurance, the insurance company will give you an identification card whenever you seek a medical care from a hospital or doctor. The insurance company will also provide written instructions for reporting and documenting medical expenses (”filing a claim”). The insurance company will evaluate any claim you file and make the appropriate payment under your plan. In some cases the insurance company pays the hospital or doctor directly, just advicing the plan holder; in others the company will reimburse you after you have paid the bills.