In today’s world having medical Insurance is a must as we know that different types of medical needs are occurring day by day and also the treatment is quite costly which everyone can’t afford. Medical insurance for travelers is helpful insurance that protects the person during traveling. It is a plan for travelers which covers various emergencies occurred during the trip.

If you are travelling and any emergency occurs like medical attention all hospitalization you can be more stressful if you are not having a travel medical insurance. Travel insurance is also known as international travel insurance. Having a travel medical insurance secure your trips whether you are going around the country or visiting abroad. The charges of hospitalisation and other medical expenses  in abroad are quite higher in this situation travel health insurance provides your financial coverage.

You can even purchase the travel insurance policy online after comparing them. You will get different plans convenient according to the needs of the policyholder. The plans also offers different add-ons, additional coverages insurance periods as per the type of your trip including business trip, family trip, educational trip, etc. If you have a travel medical insurance you will get several benefits like passport stolen, accident, any medical emergency occurs while travelling, covers baggage loss, cancelled trips, missed flight, covers COVID-19, etc.  

Advantages of Medical Insurance for Travelers

So, if you are planning to go on a holiday trip or other type of trip then before that know about the medical insurance for travelers and benefits you will get from it. Here are some of the major advantages of travel medical insurance:

• losing passport or baggage – If you have lost your passport or baggage while you are travelling then don’t take stress if you have a travel insurance plan as it will recover the financial loss in this situation. The company will compensate the cost for a duplicate or new passport.
• If the flight is cancelled or delay – If your flight is delayed or cancelled due to bad weather or other reasons the company will reimburse the loss.
• If any emergency medical evacuation of course – if you face any medical emergency like you are moved to hospital while you are travelling to abroad travel insurance will provide you benefits.
• Offers coverage for illness and sickness – during your trip if you are diagnosed with the COVID-19 infection and needs to be hospitalised the travel insurance  policy will cover all the hospital expenses what. If you face accident or fall sick then also all the hospital expenses are covered by the travel medical insurance.

If you buy a the travel insurance online you will receive extra benefits. Take a look at some of the major benefits of online service:

• Abolish the role of agents – you need not to depend on any agent to buy a travel insurance instead you can compare different policy plans online which fits your budgets and requirements.
• Facility of cashless treatment – if you buy insurance plan online you can get cashless medical services across the world.
• Does not require several documentation process – when you buy travel insurance online it abolishes the need of filling several forms or submit multiple documents. You just need to fill the details in the online form and get the best travel insurance policy.

What are the different types of Medical Insurance plans for travelers in India

International travel insurance is a need of every age group people that is why various type of travel insurance plans are designed to fulfil the needs of senior citizens, adults, families, students and other groups. Let’s have a look at different types of plans:

• Travel insurance for senior citizens – if you are above 60 then you can buy senior citizens travel insurance and receive benefits like Medical evacuation, passport loss, repatriation of mortal remains and many others.
• Student Travel insurance – it is a perfect plan for the students who are travelling foreign countries for education purposes. It offers benefits like study interruption, medical evaluation, bail bond and many others. It offers an extended validity of up to two years.
• Group travel insurance – it is an ideal insurance plan if you are organising official tours, pilgrimage tour, tour groups, etc.
• Medical travel insurance – this insurance plan is helpful if any medical emergency occurs while you are travelling abroad. It includes benefits like medical evacuation expense, repatriation of mortal remains, daycare expenses, hospitalisation expenses and many others.

Some other types of medical insurance plans for travelers in India are

• Domestic travel insurance
• Single trip travel insurance
• Multi trip travel insurance
• Corporate travel insurance
• Family travel insurance
• Schengen insurance
• International travel insurance
• Flight insurance
• Baggage insurance

Top travel insurance companies that offers best to travel insurance plans in India are:

• Aditya Birla travel insurance
• Care travel insurance
• Bajaj aliens travel insurance
• Digit travel insurance
• Oriental travel insurance
• Reliance travel insurance
• Universal Sompo travel insurance
• Shiram travel insurance
• SBI travel insurance

Let’s know about the eligibility criteria of travel medical insurance policy in India

• If you want to purchase senior citizen travel insurance then your age should be between 61 to 91.
• The family travel insurance plan covers for people including the insured, spouse and two children. The Age of adults should be between 18 to 60 years and the children needs to be below 21 years.
• Student travel insurance is available if you are enrolled in an educational institute in foreign country. The age must be between 16 to 35 years.
• Single trip travel insurance is eligible only for a single trip including the adults between 18 to 70 years and the children age should be above three months.

What is excluded in travel health insurance

When you are purchasing travel health insurance it is very important to look the list of exclusions. Here are some of the excluded situations.

• Sexually transmitted disease – your travel health insurance Plan do not cover sexually transmitted diseases.
• Mental illness – if you are taking therapies or treatment of mental illness like depression anxiety and others during the trip, the expenses are not covered under the policy.
• War all civil unrest – the travel insurance plan will not cover the expenses in the situation of war or civil unrest.
• If you are travelling abroad with pre-existing illness or injury
• If you try to commit suicide or other self-inflicted injury the company will not cover your expense.
• If the trip is cancelled due to the natural calamity then the expense will not be cover by the travel insurance plan.

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