Travel mediclaims are a very important safety net for families when travelling abroad. It is given by some of the best health insurance company in India to protect policyholders from dealing with medical emergencies abroad. Travel mediclaim insurance is useful not only for medical reasons but also for any emergency evacuations overseas. Travel mediclaims are also referred to as worldwide medical insurance, international travel insurance, and international health insurance.
By thoroughly going through travel insurance plans, policyholders can make informed decisions and get the necessary protection for themselves and their loved ones abroad.
What is Travel Insurance?
Travel insurance is a type of insurance policy that seeks to cover medical emergencies when a policyholder is travelling abroad. It would be a tough time for anybody to have to deal with a medical emergency abroad, dealing with a language they don’t know, and in a currency they don’t have much of. That is also not taking into account the cost of healthcare in that particular country. It can cause a big dent in a policyholder’s savings if they have to be admitted to the hospital, even for something small like a fever.
A travel mediclaim policy takes care of your medical costs letting you travel abroad without any worries. Travel mediclaim insurance policies can be purchased by many types of travellers in India, and are of the following types:
- Single-trip travel mediclaim
- Multi-trip travel mediclaim
- Family travel mediclaim
- Student travel mediclaim
- Senior citizen travel mediclaim
Some of the best health insurance company in India also offer specific travel policies for people employed abroad. Whatever the age and purpose of you travelling abroad, you can find some of the best health insurance plans in India for your travel.
Why Do You Need Travel Insurance?
Travel medical insurance is necessary for any kind of traveller, no matter what the length of their trip is.
Anybody travelling abroad should get an extensive travel mediclaim policy as most travel policies usually only provide coverage for medical emergencies. It is recommended to buy a travel insurance policy that also provides coverage for travel-related issues like trip delays, luggage losses, missed flights, and more.
People who only wish to get coverage for medical expenses and not for other travel-related issues should get foreign travel health insurance. It would also not be necessary to get travel coverage from these policies if they have other policies covering that. Policyholders should consider these points and choose a policy that works best for their travel.
Features of Travel Health Insurance
Below are some of the main benefits of buying travel mediclaim policies:
- Cashless Hospitalisation: If you are covered by travel insurance in India and are facing a medical emergency abroad, you do not have to worry about paying any medical expenses yourself. The insurance policy will provide you with cashless hospitalisation facilities where the insurer will directly cover your expenses with the hospital.
- Customisation Benefits: Some of the best health insurance company in India provide customisable travel mediclaim policies. These policies are made to cover either one-time, occasional or frequent travellers alike. These policies are flexible and provide coverage for both occasional and regular travellers.
- 24/7 Assistance: Wherever you are travelling, travel policies ensure that you can be covered on any of the days if you are in a medical emergency.
Travel Insurance Coverage
Some of the best health insurance plans in India provide coverage in the following ways:
- Medical Treatment: Travel mediclaim policies cover emergency medical costs. In case of an illness or an emergency that requires hospitalisation or treatment, you will be covered for any expenses incurred.
- Dental Treatment: If you suffer from any dental issue while travelling abroad, the treatment will be covered under the travel mediclaim policy.
- Accidents: If a policyholder meets with an accident abroad, the travel mediclaim insurance policy will cover the treatment costs. The policy also usually provides compensation if the policyholder suffers from any type of disability due to the accident.
Additional Coverages
Many insurance companies in India also offer additional coverage under their travel policies. Some of these insurance companies offer these coverages as part of the basic travel policy, while others provide these covers for additional premiums. Some of the additional covers available to travel mediclaim policies are:
- Flight Delays
- Personal Liabilities
- Delay or Loss of Luggage
Exclusions of Travel Insurance
Some of the events and situations travel mediclaim policies do not cover are:
- Travelling against medical advice
- Pre-existing diseases
- Consumption of Intoxicants
- Cosmetic treatments
- Alternative treatments
- Adventure Sports
Conclusion
Travel mediclaim insurance policies when travelling abroad provide a valuable safety net for you and your family. It offers you protection against any medical emergencies in a foreign country you are visiting, and where it is quite hard to get immediate support. Some of the best insurance companies like Niva Bupa offer extensive travel mediclaim policies. These policies can help cover various costs from medical emergencies to lost luggage at an airport, and help safeguard your financial wellbeing.
