Medical insurance and surgery abroad

Medical insurance and surgery abroad: How does it work?

As a professional medical concierge, we can only provide you with general information on how most internationally known medical insurance companies manage scheduled surgical interventions abroad. However, it’s important to note that insurance policies and practices can vary between different insurance companies and countries. Here is an idea of what the process could look like for you and your insurance:


Before planning any surgery abroad you need to make sure your insurance pre-approves your request.  In order to obtain pre-approval from your insurance, you will have to submit documents such as : diagnoses, treatment plans and cost estimates. These documents will be reviewed by your insurance . What are the criteria for surgerical procedure request to be approved you will ask! Of course, medical necessity is what will tip the scale in your favour. If no surgery is available to treat your condition locally or if the delays are greater than in other medical facilities abroad, your chances to get a green light will be greater. Cost is also a very important part of this process, during the review your insurance companie determines coverage based on the terms of the policy.

Preferred Provider Network and Partnerships:

Many insurers have networks of preferred providers, including hospitals and medical facilities abroad. These providers have established partnerships with insurance companies, and using their services may offer you certain benefits, such as streamlined claims process and direct coordination between insurers and medical facilities. It is important to look at the insurance’s preferred network first before picking a hospital or clinic it will make the approval process quicker.

Your Care Coordination :

Some insurance companies may have mechanisms to coordinate the care of policyholders who wish to seek treatment abroad. This may include contacting medical institutions, arranging necessary appointments and tests, and ensuring smooth communication between policyholders, overseas treating physicians and insurance companies. If your insurance company does not offer such services you may want to hire a medical concierge. To know more click here.

Coverage and Reimbursement:

The amount covered by your insurance for overseas surgery varies depending on  your contract. Some policies may cover all or part of medical expenses, including hospitalization, surgery, anesthesia and related costs. However, coverage may be subject to deductibles, copayments and overage limits that vary by plan.

Claim Processing:

After surgery, you will usually need to file a claim with your insurance company. This process requires the provision of documentation such as medical reports, bills, and receipts. The insurance company will evaluate the claim based on the terms of the policy and reimburse the eligible costs according to the coverage provided.


Making the decision to undergo surgery abroad is a stressful process. Being well prepared will contribute to the sucess of your medical journey. It is important to read the details of the terms of your insurance policy and contact your insurance company directly for specific coverage and requirements for surgery planned abroad. Each insurance company have its own procedures and policies, it is better to be fully aware of what your provider covers and to what extent. In addition, we encourage you to consult with your primary care provider to ensure that your chosen overseas medical facility meets your specific medical needs and is up to standards. To know more about international health accreditation click here.

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