Travel insurance
Even if you are healthy, don’t travel without health insurance, as accidents do happen. Declare any existing medical conditions you have – the insurance company will check and will not cover you where a condition was undeclared. You may require extra cover for adventure activities such as skiing. If your health insurance doesn’t cover you for medical expenses abroad, consider getting extra insurance. If you’re uninsured, keep in mind that emergency evacuation is expensive, with bills of over US$100, 000 being common.
Find out in advance if your insurance plan will make payments directly to providers or reimburse you later for overseas health expenditures. In Pakistan the doctors usually expect payment in cash. You may prefer a policy that pays doctors or hospitals directly rather than you having to pay on the spot and claim later. If you have to claim, make sure you keep all documentation. Some policies ask you to call (reverse charges) a centre in your home country, where an immediate assessment of your problem is made.
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