One missionary tells of a child who fell out of a tree in Cambodia in 1994. The parents thought the injury was serious and medical evacuated him to Singapore for a cost of $25,000. The family did not have that kind of money. So, how did they pay for it? They appealed to their supporters because they didn’t have insurance.
What’s another solution? Be covered by either international medical insurance (if living overseas), travel insurance (if going overseas for less than a year), or with medical evacuation-only insurance. For a reasonable sum a family can have insurance that provides medical evacuation services when they are needed. These companies offer round-the-clock services all over the world. The client is given a call-collect number with which to contact them.
Our international insurance plans all include medical evacuation in their coverage. But you could also purchase a stand-alone medical evacuation policy. Which is best for your situation? It depends if you are living overseas or traveling. If you are an expat and are eligible for nationalized healthcare. Or if traveling, if your domestic plan will cover claims overseas, you may just need evacuation benefits.
That’s always the deal with insurance. Once you have it you hope you never need it. And you may never need it.
As a foreign worker for 30 years I always thought I must have insurance, even though it wasn’t provided by the organization we volunteered with–first of all, in being responsible for my family. And second (since we had to raise our own funds to continue overseas), as an act of responsibility to those supporters who gave sacrificially to keep us serving in charitable work overseas. I felt that they might expect us to use part of their financial gifts to purchase international health insurance for medical needs overseas. This was better than surprising them with an urgent request letter needing to raise a lot of money on short notice. (Especially since domestic health plans and domestic life insurance wouldn’t cover our overseas claims if something bad happened while abroad.)
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