Adding out-patient options on to a plan gives policy holders more comprehensive coverage than the basic in-patient coverage. Out-patient treatment is: Treatment, both surgical and medical, administered by a therapist, specialist, or medical practitioner that does not require an overnight stay in a hospital or medical facility .

Out-patient coverage is not usually included as a standard option on international medical insurance plans. This benefit can be attached to a policy for an increase in annual premiums. For the most part, any plan that includes an out-patient option in the policy can also be expected to include in-patient coverage as well. Any plans with an out-patient option will generally have an overall maximum benefit placed on it.

In addition to in-patient benefits, any plan with out-patient benefits will typically include coverage for:

  • Any prescribed medicines, drugs, dressings, and medical practitioner fees from primary consultations and treatment.
  • Diagnostic tests and procedures including X-rays and pathology.
  • Psychiatric treatment, only after 12 months of continuous cover.
  • When referred by a qualified medical practitioner, complementary or alternative medicine in the form of chiropractic, homeopathic, osteopathic and acupuncture treatment is covered.
  • CT MRI, and PET, scans.
  • Out-patient surgical operations.
  • Oncological tests, treatments and drugs, up to and including Chemotherapy and Radiotherapy.
  • Physical therapy sessions with a registered physiotherapist, only when referred to by a medical practitioner, consultant, or specialist.

If you would like more information about plans that provide out-patient benefits, or to receive a free comparative quote on an international medical insurance policy, please contact us today.

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