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Health Insurance for Traveler: All You Need to Know Research Team | Posted On Thursday, July 11,2019, 05:21 PM

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Health Insurance for Traveler: All You Need to Know



A travel medical insurance is a type of health insurance plan, which covers medical emergencies in a foreign country like the US or UK. A travel medical insurance plan comes at affordable premiums and may be purchased online.

A travel medical insurance comes to the rescue when you fall sick due to an existing disease or food poisoning, accidents and so on. It takes care of your medical bills in a foreign country. A travel medical insurance makes sure you get quality medical treatment at the best network hospitals which is otherwise too expensive in a foreign country.

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Health Insurance for Traveler: All You Need to Know

Travel Insurance with Medical Cover:

A travel medical insurance is beneficial for travelers and shields them against sudden ailments or an accident on a foreign trip. Some travel health insurance plans offer insurance cover for pre-existing medical conditions on payment of extra premium. Travel medical insurance mainly covers hospitalization and medical expenses, due to sudden ailments or injuries while in a foreign country. The coverage includes pre and post-hospitalization expenses, cost of medical treatment, ambulance charges and so on.

See Also: What is Travel Insurance?

How Much Does Travel Medical Insurance Cost?

A travel medical insurance covers health-related problems while travelling oversees like any ailment or an accident. However, the travel health insurance does not offer insurance cover for flight cancellation or other benefits like baggage loss or emergency financial assistance. This is why a travel health insurance is quite economical and comes at affordable premiums.

The premium rate of the travel medical insurance depends on various factors and the premiums that must be paid are determined by taking the following factors into consideration:

  • The duration of the trip
  • The age of the insured
  • The medical and evacuation coverage limits

Some insurers offer additional benefits; The basic travel health insurance does not cover trip or flight cancellation, baggage loss and travel delays. Travel medical insurance plans are mainly aimed at offering medical coverage for travelers who make frequent foreign trips and ensure quality treatment at a network hospital in a foreign land, which is otherwise extremely expensive.

See Also: Why Do We Need Travel Insurance?

When Is Travel Health Insurance Required?

Travel medical insurance must be availed in the following circumstances:

  • Travelers Visiting Other Countries for Extensive Stay: If your family members have settled abroad, you may need travel medical insurance if you are visiting them.
  • Business Travelers Working Abroad: If your health insurance plan does not offer overseas health cover, then you need a travel medical insurance plan to safeguard your health during a stay, abroad.
  • Missionaries or Foreign Aid Workers: People who travel to multiple countries on foreign aid work or for missionary activities must avail travel medical insurance. This not only covers medical emergencies, but also evacuation to a safe place.
  • Students Traveling to Foreign Countries: Students, who apply for a short-term course in foreign universities, must avail travel medical insurance to cover medical emergencies arising during the stay.
  • In Case of Holiday/Leisure Travel: People who like to travel the World and explore new countries must insure their health with travel medical insurance to ensure safe and stress-free vacations.

See Also: 12 Reasons to Buy Travel Insurance

How Do I Get Travel Medical Insurance?

If you are a frequent traveler and want to insure your trips with medical insurance, then you must avail travel medical insurance plans. If you are only traveling within India, then a health insurance plan is enough to cover medical emergencies.

  • Compare the travel medical insurance plans available in the market. Request online quotes and avail the plan which is most suitable.
  • Contact or visit the insurance company. Request a quote after carefully reviewing the travel medical insurance plan. Purchase the plan directly from the insurer.

Insurers offer a free trial period with refunds which can be utilized to review the insurance policy and for documentation. In this period, you can make changes to your travel medical insurance policy by consulting the insurer or even cancel the policy if it doesn’t suit your requirements.

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