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Travel insurance is worth considering, even if it is not compulsory for the destination you are visiting. It is financial security that can protect you from unprecedented events and expenditures occurring during your trip. If you still need clarification about considering buying travel insurance for your next vacation, go through this guide.
What is Travel Medical Insurance?
When you plan to travel to any destination, you must prepare to tackle the unexpected scenarios that may happen on your trip. For instance, if you are travelling and have an unexpected injury, illness or other medical issues, you may find it difficult to bear the expenses, especially in a foreign land.
Hence, it is when travel health insurance comes to the rescue. You can receive financial coverage for such unprecedented expenses with the best travel insurance policy.
How Does Travel Medical Insurance Work?
The travel medical insurance plan covers the cost of medical emergencies arising during your trip. When you face any medical issues during your travel, you can file a cashless claim to receive financial assistance or opt for a reimbursement facility. The insurance company will offer you financial coverage for accidents, illnesses, daily hospital allowance, OPD, physiotherapy, and other related expenses. Your family can also file a travel medical insurance claim for accidental death when you pass away within a year due to any injury that took place while travelling.
What are the Benefits of Travel Medical Insurance?
When you invest in the best travel insurance, you receive certain benefits. The following are a few benefits of a travel medical insurance plan:
1. Peace of Mind
When travelling to an international destination, the risk of experiencing a health issue can increase due to unfavourable health conditions and other related issues. Hence, if you purchase an overseas travel insurance plan, you can get peace of mind, as it offers financial coverage for unprecedented health issues during the trip.
2. Covers Expensive Medical Treatment
If you face any medical issues during your trip, you can witness that receiving proper medical attention is quite expensive, especially in foreign countries. However, you can purchase the right travel insurance plan according to your insurance requirements to avoid such a scenario. The insurance company will offer you financial coverage to bear the expensive medical treatment and ensure you do not pay anything from your pockets.
3. No Delay for Medical Attention
You can get instant medical attention with the best travel medical insurance policy. It enables you to visit the nearest hospital and get the best quality medical attention without delay. Moreover, if you are on an international trip, insurance companies like ACKO ensure you receive proper medical attention right away without waiting to return to India and start your treatment.
What Does Travel Medical Insurance Not Cover?
Travel medical insurance usually does not offer coverage for financial loss due to reasons and scenarios you can control. These types of medical insurance have a specific design to protect your trip investment in case of an unprecedented event that hampers your travel itinerary. Here are some exclusions of the travel medical insurance:
- Any pre-existing disease and related health issues
- Issues related to pregnancy and associated medical procedures
- When a close relative prepares the disability report to support a claim
When Should You Get Travel Medical Insurance?
According to a study, 13% of people travelling to international destinations face medical issues that require proper medical attention. Hence, if you plan to travel to a domestic or international destination, it is advisable to buy a travel medical insurance plan. It will enable you to stay financially protected and avoid paying hefty medical fees from your pocket.
In addition, travel medical insurance is ideal for all kinds of travellers, such as families with children, solo travellers, travellers to a remote location, etc. You can also consider opting for a comprehensive travel insurance plan to receive extensive coverage, such as trip cancellation, baggage loss, and more.
What is the Cost of Travel Medical Insurance?
Travel insurance plans are affordable nowadays. For instance, ACKO offers travel medical insurance plans starting from Rs. 49 for a 5-day term, which costs approximately Rs. 10 per travel day*.
Seeing the cost of travel medical insurance and the benefits offered by travel insurance companies like ACKO, travel insurance is worth it. It will provide you with financial assistance to deal with unexpected scenarios during your trip and ensure you do not pay anything from your pocket.
How to Buy the Best Travel Medical Insurance in India?
Here is a hassle-free step-by-step guide you can follow to buy the best travel medical insurance plan online in India:
Step 1: Visit the website of your preferred insurance company and log in to your account.
Step 2: Create an account if you do not have one and log in with your credentials.
Step 3: Visit the ‘Travel’ insurance section and enter your destination.
Step 4: Enter your travel dates and provide details of you and your companions.
Step 5: Customise the plan according to your travel itinerary and requirements.
Step 6: Get an instant quote for the chosen plan and pay the fee to receive travel insurance coverage instantly.
Please note that it is a generic process and may differ from one insurance company to another.
Final Words
Henceforth, travel medical insurance is one of the best investments when travelling to any destination for work, holiday or other purpose. It gives you the right financial coverage you require according to your travel destination and itinerary. Hence, it costs around 3% to 5% of your entire travel budget and is worth investing when you compare it to the benefits you receive during any unforeseen event in your trip.
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