Antibiotics and your expat health insurance
According to Wikipedia, “An antibacterial is a compound or substance that kills or slows down the growth of bacteria.” (http://en.wikipedia.org/ wiki/Antibacterial)
Antibiotics are also known as antibacterials, and they are drugs used to treat infections caused by bacteria. Bacteria are tiny organisms that can sometimes cause illness to humans and animals.
Expat health insurance is an international medical health insurance outside of your home country. It is different from any local insurance in that it usually provides larger geographical areas of cover and includes more coverage/benefits. Many such insurance also provide more than just your health insurance needs – to find out more, read on!
How do antibiotics work and what to look out for in expat health insurance
Our body has natural immune system that can usually destroy bacteria so as to fight off infection. But, there are occasions when it is too much for our body that would need help from antibiotics. On the same line of thought – we may be able to afford medical cost on simple treatment but for huge medical treatment cost needs, we need a good international medical health insurance protection plan, also known as expat health insurance. Not all such plans will cover all conditions. Do check the benefits of your policy for details or seriously consider getting one if you already do not have one.
According to Medical News Today, although there are many different types of antibiotics, they all work mainly in one of the two ways:
- A bactericidal antibiotic kills the bacteria. Penicillin is a bactericidal. A bactericidal usually either interferes with the formation of the bacterium’s cell wall or its cell contents.
- A bacteriostatic stops bacteria from multiplying.
It is the same for expat health insurance. Although there are many different such insurance in the market, there are generally two types in terms of providing coverage on health condition of the applicant:
- A plan that will cover Pre-Existing medical conditions, or
- A more common one in the market, one that do NOT cover Pre-Existing medical conditions
As such, you always want to make sure you choose the right expat health insurance! Of course, there are many more other terms to consider but Pre-Existing coverage is one of the major terms you want to know on the plan you are considering.
An antibiotic is given for the treatment of an infection caused by bacteria. Antibiotics target microorganisms such as bacteria, fungi and parasites. However, they are not effective against viruses. If you have an infection it is important to know whether it is caused by bacteria or a virus. Most upper respiratory tract infections, such as the common cold and sore throats are generally caused by viruses – antibiotics do not work against these viruses. Not all expat health insurance are designed the same as well. Some would have certain coverage that others do not. As such, when considering an expat health insurance, you want to make sure you get what you need and not what the insurer offers.
The side effects of antibiotics
Frequent and improper use of antibiotics can result in bacteria to resist the effects of the antibiotic treatment, known as bacterial or antibiotic resistance. As the bacteria have become more resistance to some antibiotics available today because of overuse, treating these bacteria resistance would require even stronger antibiotics. Furthermore, antibiotics are expensive – do not go for it if it is not necessary as, not all expat health insurance will provide coverage on every antibiotics course.
Antibiotics may have side effects and some of the more common ones may include:
- Soft stools or diarrhea
- Mild stomach upset
Keep your doctor informed on any side effects.
For a List of Antibiotics sorted by Class, Click here http://en.wikipedia.org/wiki/List_of_antibiotics
As health.howstuffworks.com puts it: “An antibiotic is a selective poison.” As such, you want to follow doctor’s prescription and instruction closely whenever there is an antibiotic course prescribed and don’t be afraid to ask questions, seek as much information as possible and discuss the risks and benefits of using antibiotics. This also applies to your expat health insurance needs as well – don’t be afraid to ask questions, even “tough” and “challenging” ones. It will also be a good gauge to learn more about your insurance providers, whether they are knowledgeable on what they provide and do they have the patience to provide you the best possible service.
Not all antibiotics and expat health insurance are made equal!
So as we can see antibiotics are very important in the treatment of many medical conditions. It is the same in expat health insurance – it’s worth you checking that your expat health insurance provides coverage for out-patient drugs and medicines (such as antibiotics). This is because, if your insurance plan does not provide coverage for out-patient and doctor prescribed antibiotics, then these could be very expensive if you have to pay for them yourselves.
There are also branded or generic brand antibiotics – do check your policy coverage of antibiotics before deciding on whether to go with the branded or non-branded antibiotics. Some policies will also class different prescription drugs on different coverage level.
More on expat health insurance
Many international medical health insurers look at your health condition and past medical history to determine:
- Whether you qualify to purchase a policy and/or what coverages you can purchase
- What will be the premium of the policy you are interested
- Some expat health insurance providers would even require you to pay “loadings” for certain pre-existing medical conditions
While we are on the subject of how antibiotics could mean savings on your health insurance, it is probably a good time to make sure you are aware of some of the benefits found in expat health insurance and how that can also protect you, your family and your wallet:
- Expat health insurance can usually cover any nationality living overseas or even at home (not just expats) and will usually cover Out-Patient medical treatment
- Such insurance can be very affordable and can protect you from high, unexpected and crippling medical bills and may may cover more than just health related treatments. Some provide personal accident (PA) as a rider
- Expat health insurance can get you quick and easy access to the best private treatment in your area and can help you avoid waiting lists and access treatment not available locally and usually has a wide network of medical facilities for you to access
If you’re not sure, have any questions, or you would like a free no-obligation quote for your expat health insurance – please contact us at: www.expathealthinsurance.com.sg for a free review of your existing coverage (within 30 days of your renewal date), or for a free comparison and quotation for all your expat health insurance needs.
For more information, go to: www.expathealthinsurance.com.sg or, contact us at: http://www.expathealthinsurance.com.sg/contact.html