Brokerfish

Medical Repatriation

TOB-Glossary-Medical-Insurance-Medical-Repatriation
Medical repatriation, also known as medical escort, is a service that is typically provided as an optional level of coverage in insurance policies. It is designed to provide individuals with the option to return to their home country for medical treatment when the necessary care is not available locally. This option, in most cases, only applies when an individual’s home country is within the geographical area of coverage. Medical repatriation is an option that is typically provided in addition to medical evacuation, which is the process of being transported to the nearest appropriate medical center. In the case of medical repatriation, the individual will be transported to their home country for treatment. This can provide a sense of comfort and familiarity, as well as potentially better access to specialized care.

Once the individual has received the necessary treatment, insurers will typically cover the cost of the individual’s return trip at economy rates to their principal country of residence. The process of medical repatriation should be initiated by contacting the insurer at the first indication that it is necessary. The insurer will then organize and coordinate all stages of the repatriation until the individual arrives safely at their destination of care. The return journey must usually take place within a certain timeframe, such as 4 weeks, after treatment has been completed. If the repatriation is not organized by the insurer, they usually reserve the right to decline all costs incurred.

It is important to check your specific Table of Benefits as medical repatriation is not provided by all policies. It is an optional level of cover that must be chosen before availing the service.