Travel Medical Insurance for International Travelers

International travelers will go through various kinds of risks. The medical costs in foreign countries will be very high. By paying a small premium, you can cover a wide range of sicknesses by the insurance plan. If you go for travel medical insurance, you can cover health as well as travel-related issues in a very efficient manner. The unexpected events will be covered by the insurance plan so that you can avoid financial distress in the best possible way. You can make your travel itinerary foolproof by including the travel insurance.

Features of the best travel insurance plan

The features offered by an Overseas Travel Insurance will make a difference in your stay in a foreign country. You should ensure that required features are included in the policy and unwanted features are removed from the policy.

·        Period of stay - You should consider international travel insurance plan when you are staying abroad for a brief period of time. The stay can be anywhere between one week and one year. Even if you plan for few days, you can go for a customized policy so that various kinds of travel and health-related issues are covered prominently.

·        Personal or business trip - Whether you are on a business trip or personal trip, you should consider

     Medical Travel Insurance to compensate losses in the best possible way. The overseas insurance is recommended even though you manage a health policy at home. The coverage offered by the domestic policy will be very low.

·        Single or multiple trips – There are health plans to cover single or multiple trips. A multi-trip health insurance plan is affordable and the coverage will be extensive.

Selection of travel insurance plan

The Overseas Travel Insurance plan is different from the trip insurance. The travel insurance provided by one company will be different from another company. In fact, there are multiple policies from a single insurance company. You are advised to go through the policy comparison chart to settle for the best as per the features, premium and claim settlement procedure.

·        Policy comparison - As you compare insurance plans from top insurers, you will come to know the important features. There are travel plans at the lowest premium and you can get a policy online as well.

·        Coverage – The travel insurance covers various parameters including medical emergency & hospitalization, travel & accommodation, legal liability & expenses and compensation for flight delay and loss of baggage.

·        Selection as per the destination – The insurance policy should be as per the destination. In some countries, the hospitalization costs are very high. Hence, you will want to pay a higher insurance premium.

·        Age factor – The insurance premium will be high as you age. Senior citizens can go for a policy that covers pre-existing illness.

·        Claim settlement ratio – The percentage of claims settled by the insurance company will make a difference. If the settlement percentage is high, you can go for the plan confidently.

·        Purpose of travel – The insurance cover should be selected as per the purpose of stay. If you are undertaking adventurous sports, you will pay a higher premium.

Best travel insurance plans

The best Medical Travel Insurance will cover various issues that are associated with your travel, health and activities. You are advised to go for the customized plan so that there will be maximum coverage and out of pocket expenses can be minimized.

Apollo Munich Travel Insurance plan

• ·        Eligibility – 6 months to 70 years
• ·        Medical assistance
• ·        Loss of baggage
• ·        Covers hijack distress
• ·        Covers personal accident (including death)
• ·        Trip delay or cancellation expenses
• ·        Loss of travel documents covered under the plan
• ·        Should go for additional rider to cover adventurous activities
• ·        No medical check-up required

Bharti AXA Travel Insurance

• ·        Eligibility – 3 months to 60 years
• ·        Medical evacuation
• ·        Personal accident (including death and dismemberment)
• ·        Loss of travel documents
• ·        Flight delay/cancellation
• ·        Loss of checked in baggage
• ·        Pre-existing condition not covered
• ·        No medical check-up required

Bajaj Allianz Travel Insurance

• ·        Eligibility – 1 day to 75 years
• ·        Hospitalization expenses
• ·        Emergency cash in foreign country
• ·        Covers trip delay/cancellation
• ·        Personal liability
• ·        Loss of baggage
• ·        Accidental death
• ·        Mental disorder not covered
• ·        No medical check-up required

HEFC ERGO Travel Insurance

• ·        Eligibility – 6 months to 70 years
• ·        No medical check-up required (if you are under 70 years)
• ·        Emergency medical expenses
• ·        Covers dental treatment
• ·        Personal accident coverage
• ·        Flight delay
• ·        Loss of baggage/passport
• ·        Covers flight hijack
• ·        Pregnancy, childbirth and abortion are covered by additional premium

Conclusion

An Overseas Travel Insurance plan will cover various unforeseen events in the foreign land. The insurance will manage a network of hospitals and logistic support with international partners. Hence, you will get quick assistance when you choose the best insurance policy offered by a reputed insurance company. You can pay a premium in Indian currency and get benefits in foreign payments.  

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