Travelling is a privilege for many reasons, one of them being health. Not everyone can travel even if they want to, as health concerns exist. Think of someone suffering from a rare disease that requires regular check-ups or home treatment.
These things can influence the way people look at travelling. Luckily, insurance companies have become more and more understanding over the years. Now, people can choose customised travel insurance policies with added benefits like home care.
What is home care in travel insurance?
Home care in travel insurance refers to the coverage provided for medical assistance that can be administered in your own home or accommodation while travelling. It applies when you have a non-emergency medical condition that requires ongoing treatment or monitoring but doesn’t require hospitalisation.
For example, you have an illness that requires regular monitoring of your blood sugar level and blood pressure. Healthcare professionals will visit your temporary residence to provide the necessary service if you have home care coverage.
Under this coverage, medical providers also offer services such as wound dressing, medication administration, vital signs monitoring, and other necessary medical procedures.
Who should get home care?
Some people benefit from this coverage more than others. Home care coverage can help individuals who cannot travel to a medical facility due to their condition. It ensures they have access to medical services while away from their home country.
Examples include people with kidney failure who require dialysis and diabetic individuals who require insulin injections to control blood sugar levels. People with cancer, too, can opt for home care for certain treatments as travelling to hospitals can be difficult at times.
Is home care included in medical expenses?
Most insurance companies do not provide home care under medical-related expenses. But they offer home care as a separate add-on that people can include in their existing policy. The reason for this is pretty straightforward.
People who travel without any illnesses do not need home care. In a medical emergency, they can be protected under medical-related expenses in their policy. This is also true for people travelling with pre-existing conditions that do not require any treatment. They, too, can benefit from medical emergency coverage.
Hence, home care is somewhat of a specialised type of coverage offered within a travel insurance policy. However, you can choose to include it if you feel it is right for you.
Get the right travel insurance
Different individuals have different needs. That is why getting the right insurance policy when travelling is ever so important. Apart from basic coverage such as medical expenses and personal accidents, you should consider adding home care to your policy if you suffer from certain illnesses.
Getting the right travel insurance is so much easier with Bjak. We let you compare policies from up to 10 different companies for free. Click the button below to find out more.
Bjak is one of Malaysia’s biggest insurance comparison websites, offering policies from over 10 brands. Get your free insurance quote from Bjak today!
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