It can be extremely expensive to receive medical care abroad. You can avoid a financial disaster abroad with a decent travel insurance policy. You should carefully select the insurance plan, the coverage, and the advantages rather than relying just on your travel agency.
Consider the following factors to make sure you have an appropriate and a suitable travel health insurance:
When determining the level of insurance coverage needed, it’s necessary to consider the age of the travellers because emergency medical treatment is a crucial component of travel insurance coverage.
Regardless of the location or duration, it is critical to have more than appropriate coverage if you are travelling with senior individuals.
It is important that you fully understand the medical coverage provided by the policy document and you are aware of any additional cover limitations, such as a hospitalisation restriction or a threshold for treatment billing, which could severely restrict the insurance coverage you have chosen.
Current medical history
Make sure the policy covers pre-existing conditions, at the very least for life-threatening circumstances, if any family members have a history of illness. You don’t want to be in a situation where you can’t afford the best medical treatment when you most need it.
A pre-existing cover won’t help you if you haven’t talked with your family, are unaware of their medical conditions, and haven’t made a clear, complete disclosure in the proposal form.
It is crucial to have a sizable cover if you travel to a developed nation like the United States, United Kingdom, or Singapore, especially if your journey lasts more than two weeks.
If you only have minimal insurance coverage, even a quick trip to the hospital can cost you a fortune.
Purpose of travel
If adventure sports are on your radar, look into travel insurance that includes such activities. If your child is travelling for higher education, you should look into specialised long-term online travel insurance covers. It would help cover the costs of you or your spouse travelling to meet your child abroad in case they fall sick.
Refrain from relying solely on your travel agency to select your insurance coverage or complete your proposal form, especially if your trip will take longer than a month or if you are over 45. The older the traveller, the more caution you should exercise.
Verify that you are familiar with each policy’s exclusions, limitations, and deductibles. For instance, if baggage delay coverage is crucial in a foreign country, you should consider the policy’s hourly deductible in addition to the policy’s sum insured or coverage as stated in the brochure. For example, the policy may require bills to be submitted to reimburse for actual expenses spent as a result of the delay of the bag, or it may pay a lump sum for the annoyance of a delayed bag.
To assess the travel claim services, check the insurance company’s toll-free number or call back service for the country that you are travelling to. Keep in mind that your travel insurance covers OPD medical and dental care. If you travel frequently, you should look at annual policies that cover many trips.
To sum up
When you know that you have purchased travel insurance, you may rest easy knowing that you have covered unforeseeable events. Travel insurance is designed to protect that enjoyment and enables you to get the most out of your trip.
*Standard T&C Apply.
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.