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Alm
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Posts: 2745
Registered: 5-10-2011
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| Quote: | Originally posted by Pescador
Read the conditions though and most will only transport from Loreto, La Paz, or Cabo, but you are right it is an inclusion in several health and life
policies.
Also, see what the triggers are, meaning what event is necessary for a medical doctor in Mexico to order an evacuation and what are the qualifying
conditions. |
Yes, most will only transport you from where you are hospitalized at - and you have to be hospitalized first. Not all of them, and not necessarily
from those few big cities like Loreto, but usually from some medical-ish facility. Reading the policy before buying it is definitely a good idea  ...
Yes, it has to be - usually - ordered by a doctor and approved by the insurer, though there can be provisions giving you a little leeway.
Few providers, IIRC Global Rescue is one of them - don't require you to check in at medical-ish facility first, and then be transported from there.
They will air-lift you from the mount Everett or out of the jungle, if they have to.
[Edited on 2-2-2014 by Alm]
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EnsenadaDr
Banned
Posts: 5027
Registered: 9-12-2011
Location: Baja California
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Mood: Move on. It is just a chapter in the past, but don't close the book- just turn the page
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sounds like you have some good plans, Pescador? Anyway you could download them so we can read the options and see the prices?
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Alm
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Good plans cost good money. Medjet lists them on its website. Yes, premiums for PR expats are higher.
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Alm
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One more thing I forgot to mention. Vast majority of evac plans will not evacuate you to where you want, but only to the closest hospital capable of
needed treatment. Particularly, evac services included into a health insurance plan - those almost always will take you to the nearest hospital only.
Which might be a good idea given the patient's condition - or it might not.
It's better to have a choice whenever possible, but this normally costs more. Also, even if you have such a choice under the policy and your condition
allows longer evac time, they won't necessarily take you where you want because there may not be beds available there at that moment.
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Pescador
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Registered: 10-17-2002
Location: Baja California Sur
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| Quote: | Originally posted by EnsenadaDr
sounds like you have some good plans, Pescador? Anyway you could download them so we can read the options and see the prices?
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Just click on the blue post on the bottom and you get all the prices, descriptions, and everything.
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Alm
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Posts: 2745
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Right. And there are no "options" that come with each plan. The structure is pretty simple, just different premiums based on different duration
outside the country of residence. Which in itself can be a legal conundrum because for permanent resident of Mexico this is his country of residence.
US citizens are deemed to be US residents, but this is US govt opinion, not necessarily the insurer's . For Canadian expats living all the time in Mex it will be even more difficult to prove that they are Canadian
residents because their govt ties the residency status to a long list of requirements.
Most US-based insurers choose to share the opinion of their govt, and if the policy is written well, it will say somewhere at the beginning that US
citizens are considered US residents. So read the policy. I didn't since I am not permanent in Mex. Tourist's situation is simple. Resident's - not so
much.
To answer the OP question, with this particular provider an expat may be eligible for either a "regular" plan for Mexican resident, i.e. somebody
traveling domestically within Mexico, or a "regular" plan for US resident traveling in Mexico, or one of "expat" plans. Depends on what expat and how
much time he spends in Mex. Note that insurer's interpretation of "travel" may require you to be some (100?) miles from your home in order to be
covered. So read the policy.
[Edited on 2-3-2014 by Alm]
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