Going on a long hiking trail is fun and exciting. You and your friends can get to see a lot of things during the adventure. Plus, you reap the benefits of strenuous physical activity as you hike towards your destination.
But before going on a hiking trip, you have to be prepared mentally and physically. You need to prepare the necessary paraphernalia to make sure the trip runs smoothly. Part of being prepared for your hike includes having health or medical insurance before you go on a long hiking trail.
Here, we’ll discuss health insurance and why you need it before going on a hike. We will also give you points to help you find the best coverage to fit your needs.
What Is A Health Insurance?
This type of insurance provides coverage for an insured individual’s medical expenses. It might also include coverage for surgical expenses. Health insurance works in two different ways depending on its type. One type of coverage might require the insured individual to pay out of his pocket, and the insurance company simply reimburses expenses. In another process, the insurer directly pays the provider.
It’s important to remember that a health insurance policy varies from one provider to another. For instance, the plans provided by Qantas Medical Insurance differ from that of another company’s. Also, the health insurance coverage of one person might vary from another person. It depends on multiple factors such as what you choose to be covered for and the deductible you’re willing to pay.
The Importance Of Having Health Insurance Before Going On A Hike
There are various benefits to getting health insurance before going on a hike. The insurance can cover medical and dental costs for injuries incurred during the adventure. Some companies even pay for your bills upfront. For instance, when you have rolled your ankle during the hike, the insurer can pay for the medical bills directly or reimburse the expenses you shouldered. Surgical fees can be part of the coverage as well.
Health insurance can also provide you with emergency medical transportation. The insurer will help you go to the hospital immediately. Insurance cover can also give you land or air transportation to get you to your home country if necessary.
An accidental death and dismemberment policy provide compensation to your beneficiaries in case of death due to accidents. If you lose any of your limbs, compensation will be provided. Repatriation coverage involves paying the cost of preparing and returning the dead body of a person who died in a foreign country.
Health insurance coverage is important before you go hiking because you can contact the insurer’s emergency medical assistance. This is usually available 24/7 and can assist you wherever your location might be.
How To Choose The Right Medical Insurance Before Hiking
There are multiple insurance providers out there. Plus, each provider offers different plans that vary in cover, price, and benefit levels. That’s why choosing the right health insurance can be difficult. Below are tips to help you choose the right health insurance before going on a hike.
- Determine your desired maximum coverage.
The maximum coverage limit refers to the maximum amount the policy will pay for with regards to eligible expenses. In case medical emergencies happen during your hike, you would want to ensure that the maximum coverage limit will give you adequate coverage.
- Determine the benefits which you believe are the most important.
If you believe that medical benefits are the essential elements of your health insurance, then you should opt for one that has an ambulance, intensive care unit, physical therapy, and hospital room and board coverage.
In addition, if you think that you might need emergency medical evacuation, then you might consider getting a plan that has the said coverage. If you want your family to receive compensation in case something happens to you, then get coverage for repatriation of remains and accidental death and dismemberment.
Choosing the right plan involves determining what you think is important. If you want something covered, then opt for a policy that provides you the peace of mind you need for your future hiking trip.
- Take your deductible into account.
The deductible refers to the amount of eligible expenses you must actually pay for before your health insurance plan starts to provide cover for its share of remaining qualified expenses. The cost of deductibles varies from one plan to another. In addition, various deductible options might be available. A lower deductible equates to a higher amount of premium (the price you have to pay for the plan). Thus, a higher deductible will lead to a lower amount of premium.
- Pick the best provider.
Searching for the best provider takes time. You might have to keep the following things in mind to ensure you choose the right insurer.
- Reputation – Does the insurer have a solid reputation? Check out the financial ratings of the company and research how long they have been in business. Customer reviews regarding the company should be checked as well.
- Providers – Does the company have preferred providers? Do they offer discounts when you go to their in-network providers? Can you easily find in-network providers in your hiking destination? Some plans also provide referrals for hospitals, medical facilities, and pharmacies through their customer service hotline. You should research whether they have the providers you might need in your hiking location.
- Assistance Services – In case of emergencies in a foreign country, a good plan should provide consultations with medical professionals when you’re hospitalized. It should also provide emergency transportation assistance during political evacuations, medical emergencies, and natural disasters.
Before you go on a hiking trip, it’s best to get health insurance. In this way, your medical and surgical expenses are covered in case anything goes wrong during your adventure. Nobody wants to get into a medical emergency during a fun trip. Getting health insurance can give you the peace of mind you need to enjoy your adventure. Remember that nowadays, it’s better to be safe than sorry.