Medical Evaluation Coverage
Insurance coverage that pays for a pre-flight or pre-treatment assessment by a qualified doctor — often required before evacuation or repatriation.
Insurance coverage that pays for a pre-flight or pre-treatment assessment by a qualified doctor — often required before evacuation or repatriation.
Also known as
Medical Assessment Coverage
Real-world example
You collapse hiking in Nepal and need evacuation. Before the insurer authorises a $25,000 medevac, their medical team requires a local doctor's written assessment confirming you can fly. Medical evaluation coverage pays for that doctor's visit.
Country-specific notes
🇳🇵 Nepal
CIWEC is the insurer default.
CIWEC Hospital in Kathmandu handles most travel-insurer medical evaluations for evacuation decisions due to long-standing relationships.
CIWEC can direct-bill many insurers for the evaluation visit itself.
🇹🇭 Thailand
International hospitals preferred for evaluations.
Insurers prefer evaluations from Bumrungrad, Samitivej, or BNH — reports and credentials are recognised globally.
Avoid small local clinics for evaluations that affect evacuation decisions.
🇲🇽 Mexico
Private hospitals handle evaluations fast.
ABC Medical Center in Mexico City and Hospital CMQ in Puerto Vallarta are the go-to private facilities for insurer-led evaluations.
M-Pesa/card deposits may be required before the evaluation starts.
Frequently asked questions
Is this separate from medical evacuation?
Yes — evacuation coverage pays for the transport; evaluation coverage pays for the doctor who signs off that transport is safe and necessary.
Why does the insurer require a local doctor?
They need medical justification before committing to an expensive evacuation, and to arrange the right level of transport (commercial flight, medical escort, or air ambulance).
Store your insurer's 24/7 emergency line on your Nomedic Emergency Card — paramedics see it instantly if you can't speak.