Traveling with a pre-existing medical condition requires more than packing your bags. Specialist travel insurance protects your finances, while the World Medical Card (WMC) ensures your medical information speaks for you if you can't.
Combined, specialist insurance and WMC provide complete protection for your health while traveling.
Why Standard Insurance Isn't Enough
Choose a policy that covers your pre-existing conditions. Without it, an insurer can refuse payment for hospital stays if a flare-up occurs, leading to expensive bills.
The Missing Link: Communication
Even with good insurance, crises can create communication barriers. If you're unconscious or in shock, how will paramedics know you're on blood thinners, identify your penicillin allergy, or find your insurance policy number for treatment approval?
The World Medical Card directly addresses these gaps, making it crucial for safe travel.
What is the World Medical Card?
The World Medical Card is a physical and digital medical ID. Unlike a government health card, WMC focuses on clinical accuracy and fast data access.
How It Works for You:
- Universal Coding: It uses World Health Organization (WHO) codes (ICD-11 for diagnoses and ATC for medications). This allows doctors worldwide to understand your medical history, regardless of language.
- Instant Translation: The mobile app can translate your medical profile into over 100 languages.
- Emergency Key: The card's unique code allows emergency personnel to securely access your vital health and insurance information.
In an emergency, every second counts. Presenting your WMC speeds diagnosis, so doctors don't have to guess. They immediately see your conditions and medications, reducing the risk of harmful drug interactions.
Insurers need details. If you have an emergency, a WMC matching your medical declaration creates a clear paper trail, making claims easier thanks to transparent medical history.
If you travel alone, WMC is your silent partner. It holds several emergency contacts so your family, travel companies, and friends can be notified if needed.
Top Tips for Your Next Trip
- Declare Everything: Be fully honest about your medical history when buying insurance, including 'minor' conditions like high blood pressure.
- Keep it Physical: Phone batteries die. Always carry your physical World Medical Card.
- Update Regularly: If your dosage or medications change, update your WMC profile at once. Upload new documents and emergency contacts, and carry them with you.
