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Difference Between International Health Insurance and Travel Insurance

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Although international health insurance and travel insurance appear to provide the similar benefits, they serve two distinct functions.

For starters, international health insurance covers medical expenses incurred while living in another country for an extended or indefinite length of time,

Whereas travel insurance covers emergency medical care for people who are going on vacation or brief journeys.

An international health insurance policy should cover all of the following, as well as: local health care services, emergency coverage, maternity care, treatment for ongoing conditions, and repatriation if required.

An International health insurance policy for expatriates and those relocating abroad is much more comprehensive than standard holiday or business travel insurance. It's intended to cover both emergency and routine healthcare, giving expatriates freedom in terms of doctor and treatment facility selection as well as the option to receive care anywhere within their coverage zone.

International health insurance should include (each plan varies):

  • Cover for pre-existing conditions
  • Cover for chronic illnesses
  • Giving options and choices of medical providers
  • Cover for hospital stay
  • Cover for routine health check-ups

Allianz standard plans are modular, and you may build your own package based on your needs. In addition to the Core plan, options include:

  • Out-patient treatment
  • Maternity care
  • Dental care
  • Repatriation
By clicking the button below, you will be leaving the Allianz Assistance website and proceeding to enter the Allianz Care website to start your quotation.

You should double-check that your travel insurance covers emergency evacuation  which is not part of your medical coverage. If you break a leg while hiking in the woods, your policy should reimburse you for transportation arrangements  to the nearest  identified hospital.

Also, be sure you know whether your emergency evacuation  coverage will merely get you to the nearest acceptable facility or if it will also cover you for transportation back home.

For instance, if you injure your leg abroad, most insurance policies will pay for your hospital bills. However, they may not cover you for your transportation to get home especially if it is not a life-threatening injury requiring advanced care.

In a nutshell, double-check to see whether your policy will cover the cost of your return flight home if you need it

Third,  good travel insurance policies always include the following clauses:

·        Trip cancellation including when you are contracted Covid-19 before your trip

·        Trip interruption - Your travel plans are interrupted while you are on your trip, including when you’re contracted Covid-19.

·        Travel delay - Your travel plans are delayed while you are on your trip, including when you’re contracted Covid-19.

·        Baggage coverage - Your baggage is lost, damaged, or stolen while on your trip.

·        Baggage delay coverage - Your baggage is delayed by an airline, cruise line, or other travel carrier while on your trip.

·        And more: such as car rental damage, (Your rental car is damaged or stolen while on your trip) etc.

One of the most crucial aspects to consider in the age of the global pandemic is to get a travel insurance in Singapore with selected COVID-19 coverage*. Ideally, your policy should cover you for a variety of roadblocks that might arise throughout your journey and even before it begins.

Look out for:

  • COVID-19 coverage before your trip: trip cancellation if you are diagnosed with COVID-19 before departure.
  • COVID-19 coverage during your trip: medical coverage for COVID-19 during your trip, or if your trip is interrupted and you would need to return to Singapore. Or if you would need to be quarantine during your trip.
Most travel insurance plans cover medical emergencies, trip cancellation, trip interruption, delays, medical evacuation, and lost, damaged, or stolen luggage.

Travel insurance should offer protection of:

  • Loss of luggage
  • Loss of personal belongings
  • Cancellations
  • Emergency medical treatment
  • Car rental damage (not usually included in a standard package)
If you travel frequently for lengthy periods of time and require routine medical care, you might want to look into international health insurance. When you have an international health coverage, you can prevent bill shock by varying healthcare costs across countries. Check dummy international healthcare insurance products here.

In the best-case scenario, having both insurance policies that are tailored to your unique requirements is beneficial. Before making a decision, consider what your policy covers you for, as some provide coverage for travel, relocation, or even healthcare.

Your decision on what type of insurance policy is ideal for you will be based largely on your personal situation, such as how healthy you are, the quality of the local health care system and hospitals, if you are settled in your country of residence or move frequently, and whether you travel frequently.

Hospitals in some nations, on the other hand, provide excellent care at a very low cost. However, for things that are not an emergency, such as surgery or therapy, it might take weeks to schedule an appointment.

Thus, one should consider these factors or questions before deciding:

  • Your current health situation
  • Benefit limits on your current health insurance
  • How will your current health insurance cover you when you move
  • The cost of healthcare in the country you are living in
  • Do you need international protection

Here at Allianz Travel, we offer various comprehensive plans to suit different lifestyle types.

Get covered for an **unlimited number of trips (up to 90 days' duration each trip).
Perfect for weekends away and one-off city breaks with more affordable prices.
Travel insurance that covers your entire family while abroad. Child can be up to 23 years old*. Maximum 2 adults. (All family members needs to be stated in the policy).
*Subject to terms and conditions and exclusions outlined in Allianz Travel Policy Wording
**Unlimited - Where used, the term ‘Unlimited’ means there is no capped dollar amount. Terms, conditions, limits, sub-limits and exclusions apply as set out in the Policy Wording. All costs and expenses claimed must be necessary and reasonable. Subject to the terms, conditions, exclusions and benefits limits of the policy wording. For more information please click on the Policy Wording to read the Allianz Travel Policy Wording.  

Travel insurance from Allianz Travel Singapore includes selected Covid-19 coverage*, plus cover for epidemics and pandemics in general (when diagnosed with a disease). The Medical and Dental cover limit is S$500,000 (Silver Plan), S$200,000 (Bronze Plan) and S$1,000,000 (Platinum Plan)

Travel insurance in general is designed to cover you for trips of limited duration. It is intended for holidaymakers and short term trips abroad, and also offers protection against other travel related issues.

For example, Allianz Travel insurance benefits include:

●     Selected Covid-19, pandemic and epidemic cover*

●     Medical/dental cover of up to $1,000,000

●     24/7 Medical Assistance

●     Cancellation, Delay, Curtailment

●     Loss/theft/damage of valuables

●     Rental Excess cover (Silver & Platinum Plans only)

If further treatment is required, you will be expected to return to your home country. Cover ceases once you are back in your country of residence.[NAFY1] [ES2]

All in all, if you are unsure of which plans are suitable for you, you can compare various travel insurance plans options at our online website

Blog Disclaimer
All content provided on this blog is for informational purposes only. The content of this blog neither makes representations as to the accuracy or completeness of any information on this site, nor is construed as Allianz Travel's offering of travel insurance, unless explicitly stated. Details of benefits, limits, policy exclusions, terms and conditions of Allianz Travel insurance can be found under Allianz Travel Policy Wording.
By clicking the button below, you will be leaving the Allianz Assistance website and proceeding to enter the Allianz Care website to start your quotation.

5Allianz Global Corporate & Specialty Singapore Branch is the insurer and Allianz Care is the administrator. Whenever we use the terms “we”, “us” and “our” in the pages dedicated to the international health insurance we offer, it will refer to both entities.

The insurer is Allianz Global Corporate & Specialty SE Singapore Branch, address 79 Robinson Road, #09-01 068897, Singapore. Company Registration No. T11FC0131K. This policy is supported by AWP Health & Life SA, trading as Allianz Care, a limited company governed by the French Insurance Code and acting through its Irish Branch. Part of the Allianz Group, AWP Health & Life SA is registered in France: No. 401 154 679 RCS Bobigny. Irish Branch is registered in the Irish Companies Registration Office, registered No.: 907619, address: 15 Joyce Way, Park West Business Campus, Nangor Road, Dublin 12, Ireland. AWP Health & Life SA provides administration services and technical support for the policy. Allianz Care and Allianz Partners are registered business names of AWP Health & Life SA.

About Allianz Global Corporate and Specialty

Allianz Global Corporate & Specialty (AGCS) is a leading global corporate insurance carrier and a key business unit of Allianz Group. We provide risk consultancy, property-casualty insurance solutions and alternative risk transfer for a wide spectrum of commercial, corporate and specialty risks across 10 dedicated lines of business. Worldwide, AGCS operates with its own teams in 32 countries and through the Allianz Group network and partners in over 200 countries and territories, employing over 4,450 people. As one of the largest Property-Casualty units of Allianz Group, we are backed by strong and stable financial ratings. In 2019, AGCS generated a total of €9.1 billion gross premium globally. For more information, please visit https://www.agcs.allianz.com/ or follow us on Twitter @AGCS_Insurance and LinkedIn.

About Allianz Care

Allianz Care provides international health, life and disability cover and services to a wide range of customers, including multinational companies, intergovernmental organisations and private individuals and families. Our mission is to ensure that customers have access to quality healthcare through our support, care and commitment to go the extra mile. We are a truly global health partner ensuring fast and simple access to the best advice, treatment and value for our customers. Allianz Care is the international health brand of Allianz Partners. For additional information, please visit www.allianzcare.com or connect with us on Facebook and LinkedIn.