Global Savings Intelligence™

Compare the whole journey, not the hospital price.

Total Journey Cost™ adds treatment, physician fees, diagnostics, flights, hotel, companion travel, ground transportation, interpreter and navigation, visa, recovery, CrossCare coordination, a post-treatment follow-up allowance and a contingency allowance. The result is an estimated cost difference — not savings — until claims and invoices are reconciled.

Demo DataModelled illustration — adjust the inputs below.

ProcedureDomestic expected allowed cost (USD)Companions travelling

Destinations (up to four)

Cost comparison

Total knee replacement

Domestic expected allowed cost

$58,200

Option A

Verified provider required

Malaysia

International treatment cost: $15,132
Physician fees: $1,816
Diagnostics: $1,059
Flights: $1,650
Hotel: $1,760
Companion travel: $1,450
Ground transportation: $320
Interpreter / navigation: $620
Visa: $120
Recovery: $1,150
CrossCare coordination: $3,500
Post-treatment follow-up allowance: $1,200
Contingency allowance: $2,382

Total Journey Cost™

$32,159

Estimated cost difference

$26,041 (45% lower)

Travel burden: High
Visa complexity: Low
Planned nights: 16
Companions: 1

Option B

Verified provider required

Türkiye

International treatment cost: $16,878
Physician fees: $2,025
Diagnostics: $1,181
Flights: $1,100
Hotel: $1,620
Companion travel: $950
Ground transportation: $300
Interpreter / navigation: $560
Visa: $90
Recovery: $1,050
CrossCare coordination: $3,500
Post-treatment follow-up allowance: $1,200
Contingency allowance: $2,436

Total Journey Cost™

$32,890

Estimated cost difference

$25,310 (43% lower)

Travel burden: Moderate
Visa complexity: Low
Planned nights: 12
Companions: 1

Option C

Verified provider required

South Korea

International treatment cost: $19,788
Physician fees: $2,375
Diagnostics: $1,385
Flights: $1,750
Hotel: $2,310
Companion travel: $1,550
Ground transportation: $420
Interpreter / navigation: $780
Visa: $180
Recovery: $1,400
CrossCare coordination: $3,500
Post-treatment follow-up allowance: $1,200
Contingency allowance: $2,931

Total Journey Cost™

$39,569

Estimated cost difference

$18,631 (32% lower)

Travel burden: High
Visa complexity: Low
Planned nights: 14
Companions: 1

Illustrative estimates are not guarantees. Final costs require confirmation from providers and applicable service partners.

Cost never decides alone

The CrossCare Value Matrix™ weighs clinical and practical factors alongside cost, so the cheapest hospital does not become the recommended option by default.

Clinical suitabilityProvider qualitySpecialist expertiseAccreditationExpected costTotal journey costTravel burdenVisa complexityRecovery requirementsContinuity of careMember preferenceProvider availabilityRisk considerations

Financial coordination

Estimates hand over to the existing CrossCare Financial Coordination Center for quotations, guarantees, invoices and reconciliation. CrossCare is not the insurer or the payer of claims.

Provider quotationsContracted ratesBundled ratesDepositsPayer guaranteesLetters of guarantee where applicableInvoice trackingCrossCare feesTravel benefitsMember expensesCurrency conversionReconciliationFinal case cost

Bundled international care packages

International Knee Replacement Bundle

Included

HospitalSurgeonImplantDiagnosticsAnesthesiaHospital stayPhysical therapyHotelAirport transfersCrossCare coordinationFollow-up teleconsultation

Excluded

Treatment of pre-existing unrelated conditionsExtended stay beyond the bundled lengthComplication management beyond the agreed protocolCompanion expenses unless configured by the plan

Where this pathway is typically evaluated

Orthopedic surgerySpine surgeryCardiac proceduresOncologyComplex diagnosticsFertilitySelected planned surgeriesAdvanced specialist treatment

Emergency care is never routed internationally. Where the objective is access rather than cost, the Advanced Treatment Access pathway leads with clinical expertise instead of price.

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