Consider a situation where you plan a foreign trip. Let’s say you do your best to keep the tickets, passports, luggage etc., safe and secure. But there might be unfortunate instances of you misplacing your belongings or being the victim of theft. Have you thought about the consequences of such situations yet?
Such unfortunate events can ruin your trip and increase your financial obligations. As a solution, you might want to consider a unique product such as a travel health insurance policy that covers a range of travel-related costs.
In the following segment, you will find details concerning health insurance for travellers, their types, benefits and more.
Also Read – https://navi.com/blog/corona-kavach-policy/
Covers medical emergencies
Individuals must not ignore the possibility of medical emergencies on foreign land as such instances can drain their savings. To protect oneself from the financial risk that may arise from such circumstances, one can consider opting for a travel insurance plan.
While travelling, there might be several inconveniences that can burn a hole in your pockets and also hamper your trip. Considering that, you might want to obtain travel health insurance from reputed insurers.
Protection against baggage-related hassles
A well-rounded health insurance plan for travellers provides coverage against baggage theft or misplacement. Moreover, insured individuals can claim compensation in case their checked-in luggage is delayed.
Travel security at a reasonable cost
A foreign trip might require substantial funds for which you might need to part with a major portion of your savings. However, travel insurance policies come with affordable premiums for different budget segments. On account of this, the advantages of a travel insurance policy offset the cost.
As the name suggests, members can buy this insurance plan for a single trip.
The insured traveller receives coverage benefits for multiple trips under this insurance type. These plans usually have a policy term of 1 year, and the members can get coverage for multiple trips for a certain duration which the insurer specifies beforehand.
There are essentially three types of coverage under a travel health insurance policy. They are as follows:
Medical coverage includes the following:
Journey-related coverage includes these:
Baggage-related coverage includes the following:
Most travel insurance providers do not provide coverage in case of the following instances:
In recent times, travelling has become difficult due to the COVID-19 protocols. Considering the direness of the situation, it is only practical to obtain health insurance for travellers with COVID-19 coverage. Find out the inclusions under such a policy from here:
Even if you are planning a domestic trip, it is ideal to opt for a comprehensive travel health insurance plan to secure your journey. In this regard, you can choose Navi’s new-age solutions. The insurance provider offers a wide range of benefits that ensures an added layer of protection against financial losses.
Download the Navi app and secure your domestic/international journeys.
A travel health insurance plan provides overall coverage for several medical expenses that you might incur during your journey. That said, travellers might want to consider a well-rounded insurance plan that covers medical as well as travel-related expenses. In this aspect, choosing a travel health insurance policy might be an ideal choice due to its comprehensive coverage and benefits.
Ans: Here are certain things that you might want to factor in before buying health insurance for travellers:
Destination of your trip
Required coverage amount
Renewal or extension options
Ans: Here are the factors that affect travel insurance premiums:
Age of the traveller
Duration of the trip
The country you are travelling to
Ans: Follow these steps to avail a cashless claim against your travel health insurance:
Inform your insurer regarding the claim via mail or phone.
Gather the documents necessary in support of the claim, including the claim form.
Submit the documents via post, email or fax.
The claims team will verify your documents and proceed with the payment.
Ans: No, travel health insurance policies do not include coverage for alternate treatments received during a trip. Such treatments include Ayurveda, Unani, Homeopathy etc. Note that these treatments do not fall under travel health insurance coverage scope.
Ans: No, most insurance providers do not require individuals aged up to 65-70 years to undergo a medical examination prior to the purchase of a travel health insurance policy. Nevertheless, keep in mind that the age limit may vary across insurers.
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Disclaimer: This article has been prepared on the basis of internal data, publicly available information and other sources believed to be reliable. The information contained in this article is for general purposes only and not a complete disclosure of every material fact. It should not be construed as investment advice to any party. The article does not warrant the completeness or accuracy of the information, and disclaims all liabilities, losses and damages arising out of the use of this information. Readers shall be fully liable/responsible for any decision taken on the basis of this article.
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