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.