Seguro-saúde internacional: entenda por que incluir no seu planejamento

Além das malas prontas e da documentação em mãos, você sabia que o seguro saúde internacional é obrigatório para quem vai estudar fora? Sim!

Além disso, ele facilita a nova vida e traz muitas vantagens para quem o contrata. Por isso, é essencial incluí-lo no planejamento, se você organiza uma estadia longa no exterior.

A maioria das universidades no exterior tem parcerias com seguradoras e já indicam a melhor empresa local para os estudantes fecharem seus planos. Além disso, elas também contam com excelentes estruturas de enfermarias internas, à qual recomendamos aos alunos recorrerem antes de buscar hospitais ou médicos do plano. A universidade dará todo o apoio necessário ou encaminhará para o especialista adequado.

Conheça, agora, as informações mais importantes e saiba o que conferir na hora de fazer o seu!

Como funciona para contratar?

Existem muitas empresas especializadas em seguro saúde internacional e os planos funcionam de maneiras diferentes do Brasil, por exemplo não são todas as especialidades que os convênios cobrem.

Os valores podem variar, quanto maior a cobertura, mais caro o plano médico. Aqui, vale a pena mensurar o custo-benefício, se o aluno precisa de demandas urgentes ou algo de acordo com a rotina de cada um.

A contratação não é imediata e precisa de um cadastro prévio, com informações pessoais pedidas pela seguradora. Por isso, não deixe para contratar em cima da hora, pois poderá atrasar o processo e você pode fazer direto com a seguradora que preferir.

Você não recebe uma carteirinha em casa após contratar o plano. Para isso, é necessário entrar no site e solicitar o documento comprovando a sua solicitação, juntamente com o número de identificação que você precisará apresentar na hora de utilizar.

Quais empresas contratar?

O Health Insurance, como é chamado o acordo, pode ser feito por diferentes empresas. A quantidade é enorme, basta que o aluno e sua família escolham, conforme as necessidades.

Algumas das seguradoras que você pode conhecer:

  • Aetna;
  • Humana;
  • AARP;
  • Cigna;
  • Anthem;
  • UnitedHealtcare.

Como comentamos anteriormente, algumas universidades têm parcerias com empresas e, assim, o aluno precisará contratar aquela que for indicada, escolhendo entre as opções mais adequadas. Também, vale conhecer melhor cada tipo de contrato, bem como os lugares que aceitam o convênio, buscando sempre a praticidade e segurança nos atendimentos.

Quais são os tipos de seguro?

São dois os tipos mais conhecidos de seguros saúde internacionais: o Health Maintenance Organization (HMO) e o Preferred Provider Organization (PPO), e a principal diferença entre eles se refere à flexibilidade.

Enquanto ao contratar o PPO, você pode ser atendido por médicos ou instituições de qualquer rede, mesmo a que não contratou. No HMO, você está restrito a atendimentos conveniados (exceto em caso de emergência).

Outro ponto, é que o HMO deve custar menos, justamente pelo fato de limitar os atendimentos. Também, a primeira consulta do aluno sempre passará pelo clínico geral, o Primary Care Physician, que vai avaliar o paciente e, se houver necessidade, encaminhar para o especialista. Já no PPO, você pode escolher passar direto para um especialista.

As universidades também são bem equipadas com enfermarias de qualidade, por isso, consulte a da sua, antes de se dirigir ao hospital. Assim, você pode resolver sem precisar usar o seguro.

Como funciona a cobertura?

Nem sempre o seguro saúde internacional privado funciona com método de reembolso, ou seja, quando o turista efetua os devidos pagamentos nas consultas e depois solicita a devolução dos valores. Para isso, é preciso entender alguns termos previstos em contrato, como:

Deductible

Deductible é o valor que mostra quanto o estudante vai pagar, de maneira integral, até que o ressarcimento passe a valer. Ou seja, é possível escolher uma quantia e, até que as despesas não cheguem a esse preço, quem arca com os custos é o aluno, sem a possibilidade de reembolso. Esse custo é cumulativo pelo período válido.

Isso não significa que a seguradora paga totalmente os seus gastos após atingir o teto do Deductible, isso vai depender da modalidade escolhida na hora da compra. As informações detalhadas sobre quais valores para cada especialidade, o aluno recebe junto da apólice. Por isso, esteja atento a esses pontos, até mesmo, depois da contratação.

Coinsurance

Outro ponto importante a conhecer na cobertura do seguro é o Coinsurance, é ele que vai definir as suas divisões com o plano após ultrapassar o Deductible. Nem sempre a divisão é exatamente igual, pode ser apenas uma porcentagem, isso depende do contrato e da seguradora.

Copayment

Caso os valores do seu Deductible sejam ultrapassados, podem haver custos extras com consultas ou emergências, mas isso é previamente definido com a companhia, chamado de Copayment.

Além disso, é possível definir um teto máximo a ser gasto com o amparo, chamado de Out-of-pocket maximum/limit. Caso esse valor passe o estipulado, quem arca com as despesas totais é o seguro. Por isso, programe-se antes mesmo de contratar o seu seguro saúde internacional.

Importante ressaltar que um plano dificilmente cobre todas as especialidades, portanto, fique atento a isso e escolha as mais adequadas. Em especial, sobre a forma de usá-lo, uma vez que, não seguidos corretamente os procedimentos, você não terá o atendimento coberto.

Quais as vantagens em contratar?

O principal benefício em ter um seguro saúde internacional é a despreocupação em caso de imprevistos, além da redução de custos, uma vez que os atendimentos médicos no exterior são extremamente altos.

Além disso, é muito comum, ao visitar pela primeira vez um país, ter dificuldades com a mudança de clima ou, até mesmo, por conta da alimentação diferenciada, por exemplo, e nunca se sabe quando se precisará de atendimento médico.

O benefício também pode ser usado a qualquer momento durante os estudos no exterior, não apenas em casos de emergência. Ou seja, contratar um seguro saúde internacional é sinônimo de amparo mesmo longe de casa.

Por quanto tempo contratar o seguro saúde?

Já que é um procedimento obrigatório, que tem como objetivo auxiliar no que for preciso fora do país, compre por todo o período de estudo. Assim, você vai ter mais segurança sob todas as possibilidades listadas.

Portanto, além de pesquisar sobre a faculdade ou como funciona a seleção de alunos, é importante também se atentar na hora de contratar seu seguro saúde internacional.

Além da saúde física, é sempre bom se preparar em todos os aspectos, inclusive no emocional. Para essa questão, conheça também sobre o programa de psicologia intercultural e veja como ela ajuda os estudantes que estão fora.

 

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    You are so interesting! I don’t believe I have read a single thing like that before. So wonderful to discover another person with original thoughts on this subject. Really.. thanks for starting this up. This website is one thing that is required on the web, someone with some originality!

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  56. 명품레플리카
    명품레플리카 says:

    You can certainly see your skills within the paintings you write. The sector hopes for even more passionate writers such as you who aren’t afraid to mention how they believe. Always go after your heart. “There are only two industries that refer to their customers as users.” by Edward Tufte.

    Responder
  57. 피망머니상
    피망머니상 says:

    You are so cool! I don’t believe I’ve truly read through a single thing like this before. So good to find someone with unique thoughts on this topic. Seriously.. thanks for starting this up. This site is one thing that’s needed on the internet, someone with some originality!

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  58. 성기능제품
    성기능제품 says:

    You could certainly see your skills within the paintings you write. The sector hopes for more passionate writers like you who are not afraid to mention how they believe. All the time go after your heart. “The point of quotations is that one can use another’s words to be insulting.” by Amanda Cross.

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  59. 비아그라복용법
    비아그라복용법 says:

    You could certainly see your expertise in the work you write. The sector hopes for more passionate writers such as you who aren’t afraid to say how they believe. All the time follow your heart. “Man is the measure of all things.” by Protagoras.

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  60. 성기능제품
    성기능제품 says:

    You could certainly see your skills within the paintings you write. The sector hopes for more passionate writers like you who are not afraid to mention how they believe. All the time go after your heart. “The point of quotations is that one can use another’s words to be insulting.” by Amanda Cross.

    Responder
  61. 윈조이머니상
    윈조이머니상 says:

    You are so cool! I do not suppose I’ve truly read a single thing like that before. So good to find somebody with a few unique thoughts on this subject. Seriously.. many thanks for starting this up. This website is one thing that is needed on the web, someone with some originality!

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  62. 해외스포츠중계
    해외스포츠중계 says:

    You could definitely see your skills in the paintings you write. The world hopes for even more passionate writers such as you who aren’t afraid to mention how they believe. At all times follow your heart. “In order to preserve your self-respect, it is sometimes necessary to lie and cheat.” by Robert Byrne.

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  63. 바르는비아그라
    바르는비아그라 says:

    You could certainly see your enthusiasm within the work you write. The arena hopes for more passionate writers like you who aren’t afraid to mention how they believe. Always follow your heart. “Golf and sex are about the only things you can enjoy without being good at.” by Jimmy Demaret.

    Responder
  64. 바르는비아그라
    바르는비아그라 says:

    You could certainly see your enthusiasm within the work you write. The arena hopes for more passionate writers like you who aren’t afraid to mention how they believe. Always follow your heart. “Golf and sex are about the only things you can enjoy without being good at.” by Jimmy Demaret.

    Responder
  65. 바르는비아그라
    바르는비아그라 says:

    You could certainly see your enthusiasm within the work you write. The arena hopes for more passionate writers like you who aren’t afraid to mention how they believe. Always follow your heart. “Golf and sex are about the only things you can enjoy without being good at.” by Jimmy Demaret.

    Responder
  66. 파워볼사이트
    파워볼사이트 says:

    You are so interesting! I do not suppose I’ve truly read anything like this before. So wonderful to discover another person with some unique thoughts on this topic. Seriously.. thank you for starting this up. This site is one thing that is needed on the internet, someone with a bit of originality!

    Responder
  67. 엔포커머니상
    엔포커머니상 says:

    You are so cool! I do not think I have read anything like this before. So great to discover somebody with unique thoughts on this subject matter. Really.. thanks for starting this up. This site is one thing that’s needed on the internet, someone with some originality!

    Responder
  68. 올스타머니상
    올스타머니상 says:

    You are so awesome! I don’t suppose I’ve read through a single thing like that before. So nice to find somebody with some original thoughts on this subject matter. Really.. many thanks for starting this up. This website is something that is required on the web, someone with a bit of originality!

    Responder
  69. 성기능제품
    성기능제품 says:

    You could certainly see your skills within the paintings you write. The sector hopes for more passionate writers like you who are not afraid to mention how they believe. All the time go after your heart. “The point of quotations is that one can use another’s words to be insulting.” by Amanda Cross.

    Responder
  70. 엔포커머니상
    엔포커머니상 says:

    You are so cool! I do not think I have read anything like this before. So great to discover somebody with unique thoughts on this subject matter. Really.. thanks for starting this up. This site is one thing that’s needed on the internet, someone with some originality!

    Responder
  71. 명품레플리카
    명품레플리카 says:

    You can certainly see your skills within the paintings you write. The sector hopes for even more passionate writers such as you who aren’t afraid to mention how they believe. Always go after your heart. “There are only two industries that refer to their customers as users.” by Edward Tufte.

    Responder
  72. 성기능제품
    성기능제품 says:

    You could certainly see your skills within the paintings you write. The sector hopes for more passionate writers like you who are not afraid to mention how they believe. All the time go after your heart. “The point of quotations is that one can use another’s words to be insulting.” by Amanda Cross.

    Responder