Benefits of Buying Medical Travel Insurance Policy

Travelling is the best recreational activity as it offers some of best experiences and memories that you can cherish throughout your lifetime. But there goes a lot to make your travel safer and worry free. getting sick on a trip can be the worst experience and medical emergencies while travelling can be even worse. Wishing throughout your trip for the safety can be one option but that does not guarantee anything. There has to be a work around that ensures that there is someone at your back who will be at immediate help in case of medical emergencies while you are on your trip. Well luckily there is one way which is Medical travel insurance policy.

Today, we are going to discuss about the Medical travel insurance policies and cover aspects like what it actually is, how to compare Travel Insurance Plans, then we will list out the benefits of buying one. You should be prepared for the worst for everything in your life and that applies for travel too. Medical travel plans takes care of you in case you happen to meet a medical emergency on your trip by providing you best possible help whether it is hospitalizing you to the nearest hospital or relocating you to your home town. 

What is Travel Medical Insurance?

Travel Medical insurance plans is a type of insurance that provides you cover for emergency medical situations and medical expenses incurred while you are on your trip.

This definition is pretty straight forward but some of you probably be having some questions unanswered and that is why we would like answer 2 most common of them.

I. No, your health insurance policy is not same as the Travel medical insurance plan. Your health insurance plan will probably not cover you beyond your country borders and this is travel insurance plans are better. So, you should better compare travel insurance plan with your health insurance plan to check if the latter one provides the benefits of the former.

II. Now for the claims. Your domestic health insurance plan will provide you the claim first and then the remaining expenses will be beard upon by the travel medical insurance plan like evacuation.

You cannot wait for your family to arrive for help when you meet an emergency while travelling, so, therefore having a Travel Medical insurance is a better option. Apart from this, below we have listed some of the benefits of Travel medical insurance plans.

You may like to read : Here’s why should you Buy Travel Insurance in Advance?

Benefits of Travel medical insurance plans

1. Emergency Medical Evacuation

Many Travel destinations are remote areas where medical assistance in case of emergency is not quite possible and there steps in your Travel medical insurance plan which covers for these emergency evacuations. In case you get stuck due to medical emergency then initially you will be taken to the nearest hospital facility but if that place lacks the expertise required for your treatment then you will be transported to the better hospital. Cost of both these transportations is covered by the travel medical insurance plan. 

2. Coverage for Death

As we said earlier in this article that you need to be prepared for the worst while travelling and therefore the worst that can take place is death. If unfortunately, a case of death occurs while you are travelling, then these travel medical insurance plans cover the services like transportation of the body to home town and if that is not possible, then cost coverage for performing of cremation at the nearby vicinity is provided.

If you compare travel insurance plans properly, then you will come to know that some plans even include Accidental Death and reimbursement benefits i.e. in case of death, a predetermined amount will be paid to your beneficiary without any regards to any domestic coverage.

3. Cost Benefits

Well, we have put it earlier but if in case you are still thinking that your health insurance policy is enough to cover you on your trip, you are going wrong. Let us assume that you have enough sum assured in your health plan and you are travelling to US and you happen to require medical services. Your sum assured might not be enough to cover your total expenses because of the strength of dollar in comparison to rupee.

Furthermore, travel medical plans are cheaper than the trip cancellation insurance plans because you can buy the former on per day basis which is way less than the trip cancellation insurance which can cost you upto 10% of your entire trip budget. 

4. Services of Travel Assistance

These are the supplementary benefits of travel medical insurance plans where you get travel assistance services like tracking the lost luggage, travel documents and lost passport. Further services include getting trip alerts and warnings, 24X7 customer assistance and emergency cash transfer.

Even in case of travel delay and lost luggage these plans provide you coverage benefits. All you have to do is compare travel insurance plans carefully to get one with most of these services included.

How to buy travel medical insurance plans?

You can for it in two ways which are listed below:

1. Compare travel insurance pans from all the companies and buy it online.

2. Otherwise you can compare these plans from different companies and buy it directly from the company.

Either way you have to compare travel insurance plans carefully and thoroughly and arrive at a wise and optimum choice according to travel destination, vacation duration and the age of all the people travelling.

Summary

At last I would like to clear the fact that we are not trying to attract you for buying a travel insurance plan. What we actually are trying to do is making you understand that travel medical insurance is not a choice, it is a necessity which you should not ignore because it might not be in your hands to control the unforeseen emergencies but you can be always be prepared and travel medical insurance policy is the best way to be prepared for the worst while travelling. 

For more updates and News follow Policybazaar Youtube

The Benefits of Buying Travel Insurance

By planning your vacation in advance you will meet various kinds of expenses and fulfill the purpose of the trip in a very efficient manner. Your travel, accommodation, dining and other aspects of your visit should be fulfilled in the best possible way. Whether you are making a holiday trip or business visit, you should forget the importance of travel insurance. You should buy the most appropriate travel insurance plan to cover your trip. There are various kinds of travel insurance policies offered by Indian companies which are affordable and you can make the most of your money. 

Benefits of a travel insurance plan 

While subscribing to a travel insurance plan, you should go through the terms and conditions of the policy. You should be aware of your needs and the policy that best meets all kinds of risks can be subscribed very easily. 

• Covers travel-related risks - Travel Insurance Plans are designed to cover the risks associated with your travel itinerary. The inconvenience caused in your trip will be compensated in monetary form. The loss of baggage will be replaced with the insurance plan. It will help you overcome the hospitalization expenses as well. 

• Can be bought online/offline - The travel insurance policy can be purchased online or offline. If you buy an online policy, you can save money. It is possible to compare the features of various plans and the plan that best fulfills your needs can be subscribed. 

• Offers support - The travel insurance company that offers best support should be chosen. 

• Convenience - If you buy a travel insurance plan in India, you will pay the money in Indian rupees and the compensation will be made in foreign currency when you go abroad. 

• Affordable - The premium paid for the travel insurance policy will be very little compared with the benefits associated with the plan. You can avoid out of pocket expenses by choosing the right kind of policy. 

• Stress-free trip - It is possible to make a stress-free foreign trip when you and your luggage are insured by the travel plan. 

• Different kinds of trips - There are individual plans, family plans and group plans which can be bought as per your feasibility. 

• Protects trip cancellation - The travel insurance will protect the trip cancellation and interruption. During emergencies, you will want to cancel the trip and it can be done very easily with the help of travel insurance policy. 

The following risks are covered by the travel insurance plan:

• Trip cancellation 

• Trip delay 

• Loss of baggage or personal belongings 

• Tour operator default

• Accidental death 

• Emergency reunion 

• Dental expenses 

• Legal expenses

• Emergency hospitalization 

• 24-hour emergency services

It is possible to customize a travel insurance policy as per your needs so that all kinds of risks that are relevant to your location, circumstances and other parameters are addressed by the policy. You can also consult an advisor to get more information about the types of policies and the special features of those policies. 

Medical emergency 

There are Travel Insurance Plans which support medical expenses as well. You should be aware of the inclusion of the medical cover with the travel insurance policy. If the emergency medical cover is extended by the insurance company, the premium will be higher than the general travel insurance policy. However, you will have access to emergency medical consultation and other services with the inclusion of the risk. 

Replacement of loss baggage 

It is not uncommon that your baggage may be misplaced or lost due to circumstances which are not in your control. The baggage and its belongings will be insured by the travel insurance policy. You will want to declare the contents and the value of the contents to be eligible for the compensation. Your travel insurance company will help you claim these losses. 

Personal liability 

If you are involved in an accident or responsible for others’ injury or damage, the personal liability clause will protect you in the foreign land. The insurance company will offer the legal services so that you can overcome the financial and legal battles very easily. 

Student travel insurance policy 

Students can purchase a travel insurance policy from the university or from the Indian insurance company. Some universities will not object to buying a policy from an Indian insurance company. You can buy an insurance company as per your needs. You will be able to cover your travel-related risks, accommodation-related risks and risks associated with your luggage and documents. If there is flight delay/cancellation, the expenses are covered by the plan. You should go for a comprehensive plan which covers emergency medical expenses as well. 

Family travel insurance policy 

.

With a family travel insurance policy, all the family members will be covered by the policy. The coverage will be high and the premium will be low. You can choose features that are relevant to your needs. As soon as the travel itinerary is prepared, you should buy a policy to cover all the risks. 

Group insurance plan 

With a group insurance plan, the insurance policy will become very much affordable. You can buy a single trip or multi-trip plan. With a corporate insurance policy, the employers will secure protection of their employees. The plans will cover medical and travel-related risks in a very efficient manner. If you are planning with a group of 20 members or more, the group insurance plan will be feasible. The trip curtailment, trip cancellation and loss of baggage and other features can be included in the policy. 

Conclusion 

Travel insurance is imminent to cover various kinds of risks that arise from the domestic or foreign trip. A travel plan can be customized to serve your special interests so that there will be the greatest satisfaction. You should go through the eligibility and the exclusions before applying a policy. The travel plan from a reputed company will address your needs and you can make a stress-free trip!

For more details check ​PolicyBazaar Testimonials

Here is how can you buy travel insurance online

While traveling to new places and enjoying new experiences can be pure bliss, a foreign place can be intimidating in an event of an emergency. Although while paying the travel insurance premium we hope that we never get to use it, in unprecedented misfortunes on foreign land, good travel insurance comes to the rescue. Travel insurance provides us peace of mind that is priceless and at times solutions to grave problems while traveling.

Why do you need to buy travel insurance?

Unlike popular belief, overseas travel insurance products not only provide cover in case of medical emergencies but also, in case of other unforeseen and unavoidable expenses such as cancellation or change of flight. Travel insurance even extends to medical evacuation to home country in cases where the patient needs immediate medical care. 

How to buy travel insurance online?

Choosing the best travel insurance plan that suits you, out of the array of overseas travel insurance products can be quite intimidating. Knowing how to select the perfect overseas travel insurance plan online can make all the difference. And here are a few steps on how you can buy travel insurance online with ease:

1. Check with existing policy providers

It is advised that you should always check with your existing insurance provider before purchasing a new plan out of the various overseas travel insurance products available online. Being an existing customer, the new plan could be at better rates or with increased inclusions. Also, you would have the first-hand experience of the policy providers’ services. Therefore, the first and foremost step would be to check if any of the overseas travel insurance products offered by your policy provider suit your needs.

2. Who to include your policy

If traveling with family, it is critical to include all members of the travel insurance and make sure that each of them gets maximum coverage. This step is crucial, as some policies require special paperwork and process in case of minors traveling abroad.

3. Coverage restrictions

It is pertinent to review and analyze the inclusions and exclusions while purchasing the travel insurance. For instance, some insurance plans offer extensive coverage such as inpatient and outpatient costs while some plans offer reimbursement till the patient is discharged. It is always advised to read and understand the coverage restrictions in depth.

4. Relevant medical history

Certain insurance providers require that you disclose any pre-existing medical conditions while purchasing an overseas travel insurance plan. You can be asked for a medical checkup or past medical records. This can affect or delay your coverage, hence always check what are the terms of a potential travel insurance plan towards pre-existing medical conditions.

5. Apply at least one week ahead

It is important that you purchase an overseas travel insurance plan well ahead of time so that all the bookings you make towards your trip. But a week before the trip it becomes absolutely necessary to get an overseas travel insurance plan. This is because certain insurance providers run background checks and verifications before putting the cover in action, this could at times take 2-5 business days and maybe more, hence it is crucial to purchase the travel insurance at least one week before your departure date.

6. Travel Destinations

While choosing the correct overseas travel insurance product, it is pivotal to include all your travel destinations, even cities your flights are scheduled for a layover. This would ensure complete coverage for you and your family (if applicable) at all time during the trip. 

7. Adding Types of Travel

The terms and conditions for certain insurance policy are different for various types of travel, some factors would be included if you are traveling by air while that might not be the case for traveling by road. For instance, if traveling by air, your loss of luggage could be included in the insurance cover. Therefore it is vital, that you include all modes of transport relevant to your trip.

8. Email Confirmation

Once these steps are taken care of and you have made the purchase, do not forget to take an email confirmation from the service provider specifying the terms and stipulation of the policy contract. It is also advised that you carry a printed copy of this policy while traveling to ensure hassle-free claims and/or cashless services in the time of need.

Tips to keep in mind while buying travel insurance online

1. Plan Ahead

If you plan well ahead of the trip, not only would you have time to compare various overseas travel insurance products but you can also have all your bookings and payments included in the coverage. 

2. Understand the product

As with all insurance and investment products, it is strongly advised that you must read and understand your travel insurance document before leaving for the trip so that you are equipped with the necessary information. 

3. Identify Who and What to insure

While it is the first instinct to insure everyone and everything in the insurance cover, it is not a viable option as that could mean skyrocketing premium prices, hence you must be sure to include only yourself and the family members along with the most essential and valuable articles.

4. Check all points of consideration

It is always reiterated that you check all points of consideration such as the lists of inclusion and exclusion while purchasing an overseas travel insurance product. 

5. Annual Policy vs. Single Trip policy

If you are a frequent domestic or foreign traveler, it is more practical to opt for an annual policy whereas if you travel occasionally you should select a single trip policy. 

While buying the travel insurance from an insurance agent, he/she is present to address your concerns; it is not possible while purchasing the plan online. But, if you buy overseas travel insurance plan online, you get to choose from a plethora of different products and compare them. As far as how you should buy travel insurance online, these few steps and tips should not be missed. 

For more updates and News follow Policybazaar Youtube Channel

How to choose the best Travel Insurance in 2018

Did you plan a chill trip to the hills this new year or headed out to an island or a long holiday with your family or friends? Well, have a nice trip but you can have an amazing trip with a Travel Insurance in this new year of 2018. 

Travel insurance is the kind of insurance that will provide you the aid and support to cover medical expenses, trip cancellation, lost luggage, flight accidents and any other damages or losses that you incur while your travel period. The travel can be either international or domestic, so buy domestic travel insurance to stay safe even as problems can arise even within your own country. Travel insurance can and should be taken at the time of booking the trip so that it can cover for the expenses that you incur if you have to unfortunately cancel you trip which will cost you from the flight tickets, hotel room bookings, etc. 

The travel insurance can be taken to cover the whole duration of the trip or you can also take a “multi – trip” policy that would be covering all the trips which will take place within a set time frame. Lower and higher medical expenses are options in the insurance. The higher ones are important for the countries that have high medical costs, for example, the United States. As the U.S. has extremely high costs of healthcare, it would be best advised to take up a good travel insurance which specialized in the health sector, a travel health insurance. The benefits of travel insurance will help you a great deal when travelling. 

Getting a good travel insurance before anything happens is probably the best time to get it as you can make claims right away. This will benefit you and not disrupt or spoil your trip. You can no longer get travel insured after any occurrence of disrupting or unfortunate events like acts of terrorism, illness, severe weather illness, luggage loss or damage. Get travel insurance and travel safely. 

What makes your travel insurance the best one?

• If it covers the cancellation costs

Take up a travel insurance that will cover the costs that you incur sue to the cancellation of the trip through the tickets, hotel bookings, booking fees, etc. The insurance company will reimburse the insured for pre - paid, non - refundable expenses of flights tickets, hotel rooms, tours, etc. if in case you have to cancel your trip before leaving but after booking everything. Also, make sure that you get a travel insurance while or soon after getting the trip booked so that it compensates you for the cancellation. 

• Emergency health care 

The best travel insurance will provide you emergency medical attention if anything happens to you while travelling. It will cover the cost of the treatment for medical emergencies like dental surgeries, tending to injuries, etc. 

• Rescue and repatriation

Your travel insurance will arrange for the emergency rescue mission in case you are stuck somewhere while your travel or if there is some situation and you need to be evacuated immediately from the area you are staying in. The insurance policy will cover all the expenses of the rescue as well as any medical attention you need after the situation. I will also cover for the medical transport to a treatment center or the safe return to your home if you require so.

• Loss or delay of your baggage or personal items

The best travel insurance policy will cover for your baggage and items if they are lost, stolen or damages during travelling. It will reimburse for the clothing items, toiletries, medical emergencies and other travel essentials to assist you during your trip so that you can continue with it even after you have lost your baggage and personal items during the travel. So, choose a travel insurance that will provide cover for such situations. 

• 24/7 worldwide assistance

While choosing a travel insurance, you need to check if it will provide 24/7 assistance throughout the world. This assistance will help the insured to deal with claims, medical emergencies and other travel related assistance that they might require during the trip.

The year 2018 might change things for the good or the bad, you never know. It is pretty unpredictable. So, why not be prepared for the worst and get a travel insurance which will cover a huge chunk of the area what you claim for. With the rise in prices each year, in most of the sectors, you need to be careful with what you invest in and how much insurance policy cover you opt for. 

With the new year of 2018, comes in newer possibilities but also more challenges and higher prices, so get the best travel insurance to stay safe. Buy domestic travel insurance to stay safe inside and international travel insurance to avoid problems outside. Have a god 2018!

For more info and news visit PolicyBazaar Facebook Page

Tips to Make Gap Year Travel Work for You

A gap year travel will have a great impact on your career. The gap year will let you think about yourself, family and other responsibilities in a different way. You will be able to find sufficient time to relax and plan your life in the most efficient manner. The self-assessment is crucial to find out the achievements that you have made so far and the goals that you would like to achieve in the coming days! You should use the time wisely when you plan for gap year. 

• Volunteer abroad 

Sharing and caring is the universal principle. If you get satisfaction by helping others, volunteering is the best option. You can volunteer in a different country to achieve something good for the local community. You will be part of the new culture and tradition. You are advised to choose the activity that you are passionate about so that you can make the most of volunteering. When you visit a foreign land, you should buy travel insurance plan. Student Travel Insurance Plans are affordable and you will get best benefits. 

• Work internship 

You can accumulate new work experience by taking up work internship. The payment may be nil or nominal. However, you will get huge push to fulfill your ambition and it will help you switch over to a new career without any issues. 

• Move out of your comfort zone 

The gap year should deal with the change. In order to make yourself confident and competent, you should meet new people. You should learn new languages and new skills. If you plan your activities in a proper way, you will not regret in later years. Hence, you should move out of the comfort zone and should try to accomplish new things!

• Learn new language 

As you learn a new language, you will sharpen your brain. You will be exposed to new sounds, grammar rules and new culture. The language is a great means to understand the history. As you master new language such as French, Spanish or German, you might get job opportunities as well. 

• Learn new skill 

New skills such as music, drawing, design and art will broaden your mind. You will be very much refreshed and it is possible to improve your productivity after the gap year. The new skill will be an additional asset on your CV and it will enhance your job opportunities or promotion at the workplace. 

• Space to think

A gap year is a desirable aspect in everyone’s life. It will help you focus on things in a very efficient manner. You will be able to learn new things and unlearn unwanted things in your life. Thus, you will have a better perspective on your life, family, friends, society and country. 

Importance of student travel insurance plan 

Student travel insurance plan covers various kinds of risks such as emergency medical charges, dental treatment expenses, accidental death benefit, medical evacuation, trip delay, loss of passport, loss of passport, personal liability, bail bond and many other risks. You can go for Travel Insurance Claim if you face any difficulty in a foreign land. 

Best travel insurance plans

When you subscribe to the best travel insurance plan, your travel as well as health-related issues is covered prominently. The loss of travel documents and baggage will be insured. Hence, you can accomplish your short-term or long-term stay in a comfortable way by choosing the best travel insurance plan. Student Travel Insurance Plans are available from reputed insurance companies. You can customize a policy as per your needs so that you can make the most of your insurance premium. 

Bajaj Allianz student travel insurance plan 

• Quick claim settlement 

• Accident to sponsor

• Emergency hospitalization/dental pain relief 

• Family visit during medical emergency 

• Toll-free customer care number 

HDFC Ergo travel insurance plan 

• Loss of hospitalization 

• Loss of passport 

• Emergency family visit 

• Policy tenure of 30 days to 2 years

• Loss of checked-in baggage 

• No prior health check-up required 

Apollo Munich travel insurance plan 

• Personal accident cover 

• Maternity benefits 

• 24/7 customer support 

• Toll-free number

• Legal liability benefit 

• Medical assistance with huge network 

• HIV cover (if the patient is in the initial stage) 

• Loss of checked-in baggage 

Bharti AXA Smart Traveller Student Insurance 

• Covers medical check-up expenses 

• Dental check-up expenses covered 

• Loss of travel documents 

• Covers age from 16 years to 40 years 

• Affordable premium 

• Additional benefits by paying 10% extra premium 

Conclusion 

As you will be exposed to various kinds of risks during the foreign travel, you should go for a comprehensive travel insurance plan. The gap year travel work should give you peace of mind and you should choose the best plan that will help you Travel Insurance Claim very easily.

For more info and news visit PolicyBazaar Linkedin Profile

Things to Bring on a Road Trip

If you are planning a road trip, you should pack essential items for a trouble-free ride. You should double check the following items so that you can undertake your journey with absolute confidence. While bags, clothing, snacks, navigation aids are essential, you should not forget the subscription of Travel Insurance Plan as well. The following tips will help you make the most of your road trip:

Safety 

The safety of driver and passenger should be the top-most priority. If you are driving the vehicle all through the trip, you should manage solid sleep on the previous day. Emergency road assistance kit, the portable charger should be readily available so that you can manage various interruptions very easily.

Vehicle insurance 

 If your vehicle is covered by a proper insurance plan, you will be able to contact the insurance company during breakdown or emergency. The contact number of the insurance company should be readily accessible so that you will get quick help. The roadside assistance, towing, alternate vehicle arrangement and accommodation are some of the features covered by the best vehicle insurance plan. 

Luggage 

You are advised to use soft bags so that the bags can be arranged and the boot space can be used very efficiently. The bags should be organized as per your convenience. One bag should all the essential items that can facilitate the overnight stay. The second day’s clothes can be packed in a different bag. Each member of the group should have a small backpack so that snacks and essential items are readily accessible. 

A nylon bag with zipper closing can help you carry the bag very easily. The bag should contain a number of pockets to facilitate easy organization of items. 

If you are undertaking hiking, trekking or special activities, the items that are relevant to the activity can be stored in a separate bag. 

Clothing 

The dirty items can be stored in a drawstring laundry bag. If you have access to laundry system wash bag, you can accomplish laundry on the road. Loose and breathable clothes will let you breathe easily during summer. On the other hand, you should wear sweater, muffler, monkey-cap and shawls during the winter season. To get the best protection in the rainy season, you should not forget the inclusion of umbrella and raincoats as well. 

Food 

Nutritious and energy-giving snacks should be readily accessible in your backpack. You may not have access to your favorite snacks when you are on the road. Hence, you will want to bring them from home so that you will save money as well. The cleaning can be accomplished with wet wipes very easily. Liquids and melting items should be avoided unless you bring tight containers and be able to manage them at the required temperature. Non-toxic and eco-friendly Tupperware containers can be used to store liquid items. Nuts and dry fruits can be accommodated in your snacks very easily and they can be preserved for a long period of time. 

Navigation 

If you are going through the unfamiliar territory, you should have access to the navigation system. Your GPS-enabled mobile phone or in-built navigation system in the car should facilitate trouble-free ride. In some cases, the electronic items fail to perform. The battery drain, loss of phone signal should not interrupt your road trip. You are advised to bring a printed map of the location and manual compass for better guidance. You should Buy Travel Insurance to cover travel-related risk factors. 

Music 

To entertain your body and mind, you can play music. If you can manage the latest album, you will be absorbed in music and there will be a great refreshment of your mind as well. The music will also ensure that the driver will not sleep and it can prevent road accidents. 

Games 

You can download creative games exclusive to the travel so that there will be great entertainment in the vehicle. It is also possible to depend upon non-electronic devices as per your needs. 

Shoes 

Sandals, slip-on and dress shoes should be packed and used as per your needs. You should not forget to give rest to your feet by removing shoes completely as per your comfort level. 

Sunglasses 

You will want to wear sunglasses to protect your eyes from the sun’s harmful rays. The glasses will also help you drive very efficiently during the day and night. The anti-glare functionality will also help you and you can prevent eye strain. 

Books 

Audio or printed books are a great means of relaxation. You can make the most of your time and learn new things by reading new books. 

Cash and cards 

You should have access to cash and debit/credit cards so that you can manage your expenses very easily.

Conclusion 

To enjoy a hassle-free road trip, you should plan the itinerary and should pack essential very carefully. The best Travel Insurance Plan will also help you make the most of your holiday and you will have great peace of mind!

For more info and news visit PolicyBazaar Linkedin Page