Nursing abroad offers an exciting opportunity to travel the world while also providing valuable healthcare services.

However, before embarking on this journey, it is important to understand the health contract coverage you will receive from your employer and how it will protect you in case of illness or injury.

What is a Health Contract Coverage?

A health contract coverage is a policy issued by an insurance company that outlines the benefits and limitations provided to an insured individual.

This policy is often purchased by an employer on behalf of their employees to ensure they are adequately covered while working abroad.

What Does Health Contract Coverage Typically Cover?

The coverage provided by a health contract can vary depending on the policy and the provider. However, it will typically cover the following:.

Emergency medical treatment : This includes medical treatment required because of sudden illness or injury
Hospitalisation: This covers the costs involved in staying in a hospital for treatment
Outpatient care: This covers medical treatment that is received outside of a hospital setting, such as visits to a doctor’s office
Prescription drugs: This includes the cost of medication that is required as part of your treatment
Medical evacuation: This provides coverage for transportation costs involved in transferring you to a different medical facility for treatment when the hospital you are currently receiving treatment at is not equipped to handle your medical condition

What Does Health Contract Coverage Not Typically Cover?

While health contract coverage can vary, there are some treatments and services that are not typically covered. These may include:.

Cosmetic procedures: Procedures that are not medically necessary or are elective in nature typically are not covered by health contract coverage
Pre-existing conditions: Pre-existing medical conditions that were present prior to purchasing a health contract coverage may not be covered, depending on the policy
Dental care: Some policies do not cover dental care, while others may only provide limited coverage
Non-emergency medical treatment: If the treatment is not deemed medically necessary, it may not be covered

What Should You Consider Before Signing a Health Contract?

Before signing a health contract coverage, there are several factors to consider. These may include:.

Cost: Consider the cost of the policy and whether it fits within your budget
Coverage: Review the policy to ensure it covers the treatments and services you are likely to need while abroad
Deductibles: Make sure to understand the deductible that you will need to pay before the policy kicks in
Exclusions: Take note of the treatments and services that are not covered by the policy
Co-payments: Determine whether you will be required to make co-payments
Duration: Consider how long you will be working abroad and whether the policy provides coverage for that entire duration

What Should You Do If You Get Sick or Injured While Abroad?

If you get sick or injured while abroad, it is important to notify your employer and healthcare provider immediately. Depending on the severity of your condition, you may need emergency medical treatment or hospitalisation.

Do not hesitate to seek medical attention if you are experiencing symptoms or discomfort.

Follow your healthcare provider’s instructions for treatment and ensure that you comply with the policy’s coverage requirements, such as pre-authorization rules or notifications to your insurer.

Conclusion

Understanding your health contract coverage is crucial when working abroad as a nurse.

It is important to review the policy to ensure that it covers the treatments and services you are likely to need while abroad and to understand any limitations or exclusions. In case of illness or injury, make sure to notify your employer and healthcare provider immediately and follow the policy’s coverage requirements.