Medical Tourism Savings Calculator

Judge whether a medical tourism plan actually saves money once airfare, lodging, recovery costs, and currency buffers are factored in. Compare your domestic quote to overseas pricing to see total spend, expected savings, and the breakeven number you need to stay under offshore.

Total out-of-pocket quote for having the procedure done at home, including facility and surgeon fees.
Clinic quote abroad converted into USD for the medical work itself.
Flights, hotel, meals, and companion costs required for the trip.
Optional. Defaults to $0. Include physical therapy, medications, or local physician visits after returning home.
Optional. Defaults to 2% if blank. Accounts for exchange-rate drift and card fees on overseas payments.

Savings estimates assume the overseas clinic quote covers all required medical work and that no complications arise. Validate credentials, accreditation, and insurance reimbursement rules before booking travel.

Examples

  • $42,000 domestic, $16,800 overseas, $4,950 travel, $2,200 follow-up, 3% buffer ⇒ Domestic baseline: $42,000.00 USD • Total overseas package: $24,602.50 USD • FX and contingency buffer: $652.50 USD • Estimated savings: $17,397.50 USD (41.42%) • Maximum overseas spend to break even: $34,197.50 USD
  • $28,500 domestic, $19,750 overseas, $5,400 travel, follow-up blank, buffer blank ⇒ Domestic baseline: $28,500.00 USD • Total overseas package: $25,653.00 USD • FX and contingency buffer: $503.00 USD • Estimated savings: $2,847.00 USD (9.99%) • Maximum overseas spend to break even: $22,597.00 USD

FAQ

How should I account for lost wages during travel?

Add anticipated lost income to the travel package input so the overseas total reflects both direct expenses and opportunity cost.

What if insurance reimburses part of the domestic quote?

Subtract the reimbursed portion from the domestic input before running the calculation to see the true cash difference you shoulder personally.

Can I compare multiple destinations?

Yes. Run the numbers for each country or clinic to see which package stays below the breakeven threshold while delivering the care quality you require.

Additional Information

  • Currency buffers help offset mid-trip exchange-rate swings, foreign transaction fees, and additional clinic payments.
  • Include follow-up care costs to avoid underestimating the domestic expenses you still face after returning home.
  • Breakeven spend shows how much you can afford to upgrade accommodations or add concierge support before the savings disappear.

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