Out-patient
Adding an out-patient option to a plan allows a policy holder to extend their level of cover beyond the core policy. Out-patient treatment is defined as: Treatment provided in the practice or surgery of a therapist, specialist, or medical practitioner, that does not require an overnight stay in a hospital or medical facility.
On most international health insurance plans, out-patient coverage is not included as a standard option, but this benefit can be added to a policy for increased annual premiums. Generally any plan with an out-patient option will also include in-patient coverage as well. An overall maximum benefit is usually placed on a plan with an out-patient option.
An out-patient plan will typically include, in addition to in-patient benefits, coverage for:
- Primary consultations and treatment, including prescribed medicines, drugs, dressings, and medical practitioner fees.
- X-rays, pathology, diagnostic tests and procedures.
- Psychiatric treatment after 12 months of continuous cover.
- Complementary medicine when referred by a qualified medical practitioner in the form of, osteopathic, chiropractic, homeopathic and acupuncture treatment.
- MRI, PET, and CT scans.
- Out-patient surgical operations.
- Oncology tests, treatments and drugs, including Chemotherapy and Radiotherapy.
- Physical therapy by a registered physiotherapist when referred by a medical practitioner, consultant, or specialist.
If you require out-patient treatment please follow these guidelines. For more information about plans that provide out-patient coverage, or to receive a free quote on a international health insurance plan, please contact us.
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