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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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?
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:
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?
Travel medical insurance must be availed in the following circumstances:
See Also: 12 Reasons to Buy Travel 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.
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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