Medical complications insurance for Americans

International Medical Insurance Group, a new US based insurance intermediary specialising in medical tourism, has launched MedTour,  a package that combines medical complications insurance and medical travel insurance, on the website.

It is a combined package not available separately. It is arranged via Dallas insurance broker US Risk, and underwritten in the US by international insurance group AIG. Each policy is individually underwritten, there is no set price.

Managing director of International Medical Insurance Group, Doctor Samir Kulkarni, a practising anaesthesiologist in Miami, explained: “The product is a combination of Travel Medical Insurance and Medical Complications Insurance. The complications coverage is for post-surgical issues that may arise such as infections, heart problems, pulmonary embolisation that may result in hospitalization or surgery. There is a limit of up to $150,000 total coverage. The patient after returning to the US, can go to any doctor or hospital they choose and do not have to go to a network doctor. The product is only for Americans travelling abroad. Our goal is to be able to sell to agencies, individuals, employers, and insurers in the US. We would also like to have the providers offer this to the patients as well. All hospitals, clinics, and surgeries need to be accredited by a well-respected accreditation agency.”

Medical Complications Insurance:

• Cover up to $150,000 after surgery

• Benefit period up to six months from the date of the initial treatment

Travel Insurance:

• Accidental death and dismemberment

• Baggage delay

• Collision damage

• Credit card loss

• Emergency evacuation and repatriation of remains

• Emergency medical expenses

• Trip cancellation

• Trip interruption

• Trip delay

It is currently only available for sale in following US states: Alabama, Arkansas, California, Delaware, District of Columbia, Hawaii, Idaho, Iowa, Kansas, Kentucky, Nebraska, New Jersey, New Mexico, Ohio, Tennessee and Wyoming.