Travel health insurance is meant to protect the policyholder while travelling abroad. It is helpful during unforeseen medical emergencies that may occur when you are on trip. Travel medical health insurance is also known for the assistance during immediate evacuation from any place due to unexpected medical issues or any other situation. Buying such insurance also protects your finances against the loss of passport, baggage, or theft.
Let's have a look at this brief guide to understand how to stay protected with medical emergencies abroad.
What is Travel Health Insurance?
Medical contingencies are never pleasant to anyone, and often come unattended. But when travelling to a foreign land, where you don't have much access to every facility or where you don't have your close ones, medical issues can lead to stressful situations. In such cases, your insurance provider allows you their assistance by providing financial support to get hospitalisation.
Furthermore, they can arrange your immediate evacuation also by buying you tickets to immediately leaving flights. This is how travel health insurance plans make medical services available to you without the stress of paying high bills or additional fees.
Features Offered By Travel Health Insurance
Travel medical insurance plans are very flexible and offer extensive coverage to you. A good insurer will tailor coverage options for you depending on your requirements. Moreover, here are some essential features that you will get while buying travel health insurance:
Extensive Medical Coverage
An insurance policy ensures that you are covered for all medical assistance that may happen during your trip. It provides coverage for all daycare services, surgeries, hospitalisation bills, ambulance charges, and other expenses that may arise during medical emergencies. Remember, to check the inclusions and exclusions of the policy while buying.
24/7 Medical Assistance
Medical emergencies are unexpected. The medical issues may occur at night or any time a day, therefore, you need to be prepared for such emergencies. Getting a right travel health insurance assists you 24/7 in case of any such emergencies.
Access To Cashless Medical Facilities
If you are protected by travel health insurance and any medical emergency occurs due to which you need to get admitted to hospital, you don't have to worry about bills or expenses from your own pocket. Your insurer will settle the bills directly with the hospital. The insurance company have a wide range of network hospitals, which collaborates with them to assist you well.
Types Of Travel Health Insurance To Consider
While choosing the right travel insurance for yourself, you need to get an idea of the types of travel health insurance that exists.
Some of the key travel health insurance are -
Single Trip Travel Health Insurance
This type of insurance covers only a single trip that you will be making to a foreign country. However, if you are planning to cover multiple countries in a short span of time, then this may not be the most favorable type of travel health insurance for you.
Multi-Trip Travel Health Insurance
As the name suggests this type of insurance works on multiple trips that one takes over a year. In this insurance there is also a minimum requirement on the number of days that one must spend on the trip to be eligible for the insurance. This can range from 30 or 45 days and vary among insurance providers.
Family Travel Health Insurance
This is a holistic plan for you and your family. However, most insurance companies have a limit on the total numbers of members that can be covered in one insurance. Usually the no is around 5-6. This type of insurance plan shares the insured amount among the members which makes it convenient to claim and anyone in need can use the money without the need of a separate policy.
Student Travel Health Insurance
A student travel insurance is designed around the needs that a student may have in a foreign country. This covers all the types of health ailments that one can face in a foreign country. Furthermore, travel health insurance also insures for the tuition fees in case of any medical emergencies so that the burden of the finance get's lifted from the student.
Senior Citizen Travel Health Insurance
If you are someone who is a senior citizen and wants to explore the world at a late age, you need to get yourself a senior citizen health insurance. This insurance will ensure your safety and health.
Conclusion
Travelling is fun but travelling without making yourself secure on a trip can prove to be very risky. Therefore, you should get yourself a good travel insurance that can keep you safe and keep your mind open to new experiences without worrying about anything.
If you are planning to get a good travel health insurance that is reliable and helps you tackle any situation, you should opt for Chola MS.which can provide you a tailored insurance plan which fits your requirements. The company provides plans with affordable premiums and sufficient coverage to make your trip valuable.
