We have never had health
insurance while cruising, or most of my life, (just like hull
coverage), but paid out of pocket, "in full", instead.. This is fine if you don't get something REALLY expensive! Our numerous Australian & European cruising friends were always incredulous that a modern country like the US did not yet have Universal Health Care
, like the rest of the developed world. They all did what was necessary in their countries to remain in good standing, so that if something major came up, they could fly home to deal with it for free. (Some did just that).
We looked at alternatives, so we could "self insure". For minor things, health care
is a fraction of the price
down island. A number of cruisers from Marathon Fl., went to Venezuela
to get Lasic surgery, at about 1/4th the price
. (= GOOD modern health
The really third world places, I would let set a leg, but not do heart surgery! If something major comes up, AND you have cash in the bank, there are "foreigners only" CASH Hospitals in a number of countries, like Germany
. They represent the best care in the world, and might do a $250.00 operation (US prices)... for $50,000! By having a "looser pays", less litigious legal
system, and being guaranteed to be paid, (first!), they can still make a profit that way.
Up to a financial point, this was our plan. Luckily we didn't have to try it out!
If one is under 45, and has money
in the bank, I'd take my chances... We never found a US policy that would cover BOTH living in the US, and living abroad. They would cover one or the other, or if US based, cover a week vacation
abroad, but not two years!
This was quite an education, so we just blew it off.