How to Avoid a $50,000 Medical Bill After Your Mission Trip
Before you go a mission trip you will need a good health care insurance scheme, this is just one of the many things you need to arrange . Your mission organization will most likely take arranging health insurance cover out of your hands. Either you become part of an existing group health care scheme, or your organization will make the necessary arrangements for you within the confines of the national system.
However, before you make the move take the time to research the health system in your host country so that you know the essential details of your health care insurance cover. Here are seven questions you should ask about health care before you leave for your mission trip to Zambia.
1. How does the health care system run in Zambia? For this article it is assumed that you will be coming to Zambia from the U.S. or Europe (i.e. the developed world) the health care systems and how they operate operate in Zambia maybe a bit of a culture shock. The public option in Zambia offers a very basic level of cover. However Zambia has both a public and private health care system.
2. What is the standard of health care? Health care systems across the world are different form each other. If there are particular medical concerns within your family, then discuss these with your team leader before you travel. It is worth noting that specialist care is lacking with most people having to travel to South Africa for specialist care. In Zambia general health care provision within the private health care system is fairly decent. Depending on your location in Zambia, you should also ascertain your proximity to medical facilities and the availability of any prescription drugs you may need.
3. What are the associated costs? There are many issues associated with medical costs in Zambia so make sure you have a clear idea about who is paying for what, and the amounts involved. Not only do you need to know what your monthly premiums are for health cover, but also what costs you can expect in an emergency.
4. What cover can I expect from my health insurance? Many missionaries want the reassurance that if medical treatment for more serious conditions is necessary, there is the option for repatriation to receive this. Similarly, check that your medical insurance scheme covers the cost of a medical evacuation.
5. Will language be an issue? Medical practitioners in Zambia speak English.
6. What action do I need to take when I arrive in Zambia? You will still need to understand what is required of you regarding finding and registering with a doctor or general practitioner and a dentist, as well as locating any specialists you may need even though your group may take care of medical insurance for you. Check if your medical insurance cover places any restrictions on the doctor or dentist you choose, or provides any assistance locating the facilities you need. Check the opening hours of medical facilities like pharmacies, clinics and hospitals so you are aware of any restrictions and differences before you arrive.
7. What do I need to do in an emergency? In case of an emergency whilst you are on your mission in Zambia, you should know what action to take. This includes knowing the telephone number for the emergency services, the location of emergency medical facilities and the amenities that are available if required.
You can start now by reviewing the major missionary health insurance providers and contacting them directly for any enquiries you may have: Get the service of an expert for free: request a free quote from an independent broker to help you compare the market and find the most cost effective solution.
However, before you make the move take the time to research the health system in your host country so that you know the essential details of your health care insurance cover. Here are seven questions you should ask about health care before you leave for your mission trip to Zambia.
1. How does the health care system run in Zambia? For this article it is assumed that you will be coming to Zambia from the U.S. or Europe (i.e. the developed world) the health care systems and how they operate operate in Zambia maybe a bit of a culture shock. The public option in Zambia offers a very basic level of cover. However Zambia has both a public and private health care system.
2. What is the standard of health care? Health care systems across the world are different form each other. If there are particular medical concerns within your family, then discuss these with your team leader before you travel. It is worth noting that specialist care is lacking with most people having to travel to South Africa for specialist care. In Zambia general health care provision within the private health care system is fairly decent. Depending on your location in Zambia, you should also ascertain your proximity to medical facilities and the availability of any prescription drugs you may need.
3. What are the associated costs? There are many issues associated with medical costs in Zambia so make sure you have a clear idea about who is paying for what, and the amounts involved. Not only do you need to know what your monthly premiums are for health cover, but also what costs you can expect in an emergency.
4. What cover can I expect from my health insurance? Many missionaries want the reassurance that if medical treatment for more serious conditions is necessary, there is the option for repatriation to receive this. Similarly, check that your medical insurance scheme covers the cost of a medical evacuation.
5. Will language be an issue? Medical practitioners in Zambia speak English.
6. What action do I need to take when I arrive in Zambia? You will still need to understand what is required of you regarding finding and registering with a doctor or general practitioner and a dentist, as well as locating any specialists you may need even though your group may take care of medical insurance for you. Check if your medical insurance cover places any restrictions on the doctor or dentist you choose, or provides any assistance locating the facilities you need. Check the opening hours of medical facilities like pharmacies, clinics and hospitals so you are aware of any restrictions and differences before you arrive.
7. What do I need to do in an emergency? In case of an emergency whilst you are on your mission in Zambia, you should know what action to take. This includes knowing the telephone number for the emergency services, the location of emergency medical facilities and the amenities that are available if required.
You can start now by reviewing the major missionary health insurance providers and contacting them directly for any enquiries you may have: Get the service of an expert for free: request a free quote from an independent broker to help you compare the market and find the most cost effective solution.
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