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1 Will I get my money back, if hospital failed to provide me treatment once I arrived?
2 Are prescribed medications allowed to take back home?
3 What supporting documents and other material do I need to carry with me while traveling?
4 Does my insurance cover this procedure?
5 Will I get any Tax benefits on the amount I pay on medical procedure out of country?
 
1

Will I get my money back, if hospital failed to provide me treatment once I arrived?

  Before signing final document with medical tourism agency or hospital carefully read the refund policy. After your arrival hospital not able to provide the treatment, then you do not need to pay the bill for treatment. Even you can get out of other nursing charges as they do not provide you the treatment. But some hospital would charge for that so make sure before leaving your country. If you are taking services of any agency or broker for medical tourism then you do get the refund on your flight, hotel accommodation etc. But you need to clear all these issues in written with your agency and broker before in hand.
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2

Are prescribed medications allowed to take back home?

  It is always better to confirm that the prescribed medicines are allowed to take back to your home or they are banned. If these drugs are banned in your country then it you are in problem while passing through the custom checking. So better consult with your country doctor as well as the hospital authority to cross check. If any medicine is banned then with consultation of your back home doctor hospital authority can change your prescription or you will get the alternate medicine in your home country.
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3

What supporting documents and other material do I need to carry with me while traveling?

  To avoid any medical or legal complication while traveling for the medical procedure do remember to take at least following documents with you.

  • Passport and copies
  • Visa papers and copies
  • Prescription medication in original pharmacy packaging
  • Medical equipment (asthma inhalers, medical batteries, etc.)
  • Doctor’s note explaining the need for any medication you have
  • Complete set of medical records
  • If any insurance related document that you need to show at your hospital.
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4

Does my insurance cover this procedure?

  First you need to check your Insurance Company covers the specific procedure you are undergoing. Check whether this procedure is covered in your home country or not. Many of the cosmetic procedures are not covered by insurance companies, neither out of country nor in your home country. If your procedure is covered under your policy, then you need to check is this covered globally, is any hospital network comes under your policy provider. Some insurance companies from USA and other countries added Wockhardt Hospital from India in their network list.

If your company covers you, before going through procedure, check the following and get confirmation in written from your policy provider company. Do not believe on phones.

  • Term of payment
  • Schedule of payments
  • Liabilities
  • Post-operative care and expenses policy of company.
Your policy covers traveling, accommodation, and other related expenses
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5

Will I get any Tax benefits on the amount I pay on medical procedure out of country?

  Tax benefits are vary country to country, so before making any conclusion be sure that what is applicable or what is not in your country. If your country provides the tax benefits on medical tourism then you need to consult with your accountant to know what is come under the tax exemption. You can include all your Transportation, lodging and other bills for tax exemption.
Following point is more specific for USA resident. In general, you cannot include in your medical expenses the cost of a prescribed drug brought in (or ordered shipped) from another country, because you can only include the cost of a drug that was imported legally. However, you can include the cost of a prescribed drug you purchase and consume in another country if the drug is legal in both the other country and the United States. Visitors other then USA have to check the tax policy of their own country or they need to consult with their accountant on this topic.
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