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Wednesday, 31 December 2014 00:00

Expat Health Insurance Saves the Day!... A Diary of a Mom in a Medical Emergency

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Expat Health Insurance to the Rescue!


We were 8,000 miles away from home, at a ski resort an hour north-east of Beijing. Suddenly, our two-year old daughter grabbed her stomach and started screaming in pain. Her face turned white within a minute.  She was in severe pain and I panicked.     


People around us started dispensing advice, “Give her some medicated oil!”, “Give her a painkiller!”, “Send her to hospital!” Only the last option made sense to me, given the agony my child was in. But which hospital should I send her to and where was the nearest hospital?  We were in a foreign land, barely spoke the language and did not know what do. One constant that rang loud and clear in the torrent of advice dished to us was, “Go to a local hospital, international medical care is extremely costly”.  


Something in me clicked and I suddenly remembered our Expat Health Insurance Policy. Worried, I could not help but wonder if it provided coverage for our vacation. There was only one way to find out.  I dialed the emergency hotline call-collect number stored on my iPhone. My call was answered almost instantly. I was hardly coherent in my panicked state, but the voice on the other end the line was calm and reassuring. The advice was crisp, sharp and clear – seek the best treatment as first priority, and they would take care of the rest. Our Expat Health Insurance policy would cover the cost of our emergency. My panic subsided and my next concern was finding the best medical facility for my daughter. That was taken care of as well, once we provided information on our location. The emergency contact officer promptly provided the exact location of the nearest international health care facility. 


With our financial worries set aside, we immediately headed for the nearest international health care facility in the heart of Beijing. The journey down the ski resort seemed much longer than our journey up. Our attention was fully on our child, trying our best to alleviate her pain. After what seemed like an eternity, we finally reached the hospital. My daughter was whisked into the emergency room and examined by a doctor, while my husband settled the registration matters. The service was commendable and the medical staff, professional and efficient. It was not long before my child calmed down and was treated. Thankfully, the medical emergency was not as serious as we had feared; she had suffered a bout of spasms due to a weak stomach. The news was a great relief. I could not say the same for the bill; the simple treatment cost us US$520.  


While I willingly paid the bill, I could not help but wonder at how disproportionate it was to the type of treatment my daughter received. The same kind of treatment back home would have cost much less. I dread to think of what would have befallen us in terms of medical treatment and costs, if we did not have our Expat Health Insurance policy. I am truly amazed by the extensive coverage of our policy and grateful for the good advice provided by the emergency contact officer. This experience has taught me to truly appreciate the value of an Expat Health Insurance policy.  


This experience has reaffirmed my belief in the importance of having the appropriate health and medical coverage – in my case, the global coverage that comes with my Expat Health Insurance Policy. The premiums buy a peace of mind that is priceless.


For more articles and information on Expat Health Insurance and things to consider when choosing the right Expat Health Insurance plan, you can find further free information at www.expathealthinsurance.com.sg


Read 1286 times Last modified on Wednesday, 18 March 2015 15:47