When it comes to Travel Insurance, one of the most important benefits to pay attention to is the Medical Expenses Benefit. This section is often highlighted because medical emergencies while travelling can be both stressful and expensive.
Imagine being in a foreign country and suddenly needing hospitalisation. Apart from dealing with pain or illness, you might also have to worry about paying large sums of money upfront before receiving treatment. This is where cashless hospital admission becomes a game-changer.
With cashless hospital admission, your insurer settles the medical bills directly with the hospital. This means you don’t have to pay out of pocket first and then go through the hassle of reimbursement later. Instead, you can focus on getting the treatment you need while the financial side is taken care of.
However, it’s important to note that not all travel insurance plans automatically include this feature. For example, with Tune Protect’s Travel Easy, cashless hospital admission is available under the COVID Plus Plan, which comes with an additional premium.
The good news? Tune Protect is one of the few insurers that offers this benefit, giving you extra peace of mind during your travels. Many other providers still require you to pay upfront and claim back later — something that can be a huge burden in an emergency abroad.
How to Obtain Guarantee Letter
If you need to be hospitalized overseas while travelling, you can obtain a Guarantee Letter that ensures you don’t have to pay for the medical bills first (which can be very expensive). Just follow these easy steps:
- Contact Europ Assistance (+603 7628 3650) before hospital admission (otherwise charges may apply).
- Provide your Identification Card (IC) or Passport number for verification.
- A Declaration Form will be issued for your acknowledgement.
- Upon signing the Declaration Form, Europ Assistance will provide the hospital with a Guarantee Letter.
- If medical transportation is required, Europ Assistance will coordinate with the hospital to ensure your needs are met.
Important Notes
- Europ Assistance is the officially appointed Third-Party Travel Administrator.
- Cashless Hospital Admission Overseas benefit is only available under the COVID Plus Plan.
In short, medical coverage is not just another section of your Travel Insurance policy — it’s the core of your protection abroad. By choosing a plan with cashless hospital admission, you ensure that when emergencies happen, you’re prepared both medically and financially.