Library of International Medical and Health Insurance Information and Resources

UNDERSTANDING INSURANCE

DEDUCTIBLE IS NOT A DIRTY WORD
INSURANCE WAIVERS/RIDERS, RATE-UPS, & CAPPED COVERAGE
WHAT'S A “RIDER”? WHAT'S A “WAIVER”?
PRE-EXISTING CONDITIONS
WHAT'S A “PRE-EXISTING CONDITION”?
EXCLUSIONS
WEIGHT, WEIGHT CHARTS AND HEALTH INSURANCE
AGE AND INSURANCE PREMIUM
UNDERWRITING - WHAT IS IT?
TRIP OR HEALTH INSURANCE -- WHAT'S THE DIFFERENCE?
AMERICAN PPOs & HMOs - WHAT'S THE DIFFERENCE?
HIPAA / PORTABILITY INSURANCE
THE DIFFERENCE BETWEEN AN INSURANCE BROKERAGE & AGENCY
WHAT IS A “CERTIFICATE OF INSURANCE”
THE “PRE-EXISTING CONDITION” PROBLEM?
WHAT IS CO-INSURANCE?
UNDERWRITING AT THE POINT OF APPLICATION
HOW DOES AN INSURANCE COMPANY DETERMINE PREEXISTING CONDITIONS?
WHAT TO DO WHEN THE WEIGHT CHART SAYS YOU AREN’T TALL ENOUGH?

TRIP OR HEALTH INSURANCE -- WHAT'S THE DIFFERENCE?

"Short-term Health Insurance" can be very similar to "Trip Insurance." Here is the main difference: "Trip Insurance" focuses on insuring the cost of your trip, e.g. airline tickets, hotel reservations, etc. It may include minimal health insurance and medical evacuation coverage, but first and foremost the goal is to make sure you are reimbursed money you will lose if your trip is cancelled.

"Short-term Health Insurance" focuses on insuring you in case of illness or injury. It usually has good medical evacuation coverage and maximum medical coverage up to $1,000,000. Sometimes Short-term Health Insurance also includes minimal trip cancellation coverage, lost baggage coverage, etc. If you want to see a "Trip Insurance" policies, please go to www.overseashealthinsurance.com (for US and International Coverage) - www.healthinsuranceinternational.biz

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	INTERNATIONAL HEALTH INSURANCE

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