International Travel Healthcare Insurance

International Travel Healthcare Insurance

International Travel health insurance, often known as travel medical insurance, protects international travelers from medical emergencies or emergency evacuation circumstances. It's also known as international health insurance, international medical insurance, or worldwide medical insurance coverage in different parts of the world.

What is Travel Health Insurance?

Travel health insurance is a type of insurance policy that can come in handy if you have a medical emergency while traveling abroad. It goes without saying that the expense of healthcare in other countries is significantly higher than in India. If the insured is hospitalized overseas for anything as simple as viral fever, the trip budget can be severely impacted.

Travel medical insurance is a type of travel insurance that protects insured travelers from medical problems that arise during their trip abroad. Medical travel insurance will cover them in the event of an unforeseen medical emergency, such as hospitalization due to an accident or illness, which could be costly.

If they become stranded abroad during their trip, travel health insurance will help them get access to medical treatments.

In a nutshell, a travel health insurance coverage covers the insured's medical bills, ensures his or her safety, and ensures that he or she travels stress-free. Regardless of age or whether the insured is traveling for pleasure or business, the best travel medical insurance in India can be purchased for the trip.

Why Buy a Travel Health Insurance Plan?

A medical emergency can strike anyone, no matter where they are. If a person becomes ill or wounded while traveling overseas, he or she may face significant financial losses due to the high cost of healthcare in other countries. However, if the tourist has a travel health insurance policy, it will financially assist him or her in paying for unaccounted medical bills that may arise during the overseas trip.

Although travel insurance is required for all types of travelers travel health insurance is suitable for those who simply need medical coverage when traveling abroad. Only if overseas travelers are not concerned about acquiring coverage for travel-related issues such as trip delay, baggage insurance, missing connection flight, and so on, should he or they purchase a travel health insurance policy. If the traveler is already protected from travel and flight-related mishaps, he or she can get a travel health insurance policy for his or her upcoming overseas trip.

International Travel Healthcare Insurance
 International Travel Healthcare Insurance

The Most Important Features of Travel Health Insurance

Following are some of the key benefits of buying international health insurance:

  1. Provides cashless hospitalization facility
  2. Available for occasional travelers and frequent flyers
  3. Offers 24x7 medical assistance
  4. Mostly offers global coverage
  5. Covers individual as well as families
  6. No pre-policy medical check-up for up to 70 years as per the plan

Things to Know About Travel Health Insurance

Trips CoveredInternational
Number of Countries CoveredWorldwide
COVID-19 CoverAvailable
Cashless TreatmentAvailable
Claim AssistanceAvailable

Types of Travel Health Insurance

Based on the frequency of trips, a travel health insurance coverage can be categorized into two types:

#1. Single Trip Travel Health Insurance

A single trip travel health insurance policy is purchased when a traveler acquires travel medical insurance for a single trip. This sort of insurance begins when the traveler sets out on his or her journey and ends when the tourist returns home.

#2. Multi-Trip Travel Health Insurance

A policy that covers the insured traveler for several trips is known as multi-trip travel health insurance. This form of insurance is often purchased for a one-year period. However, according to the travel insurance business, each trip is limited to 30/ 45/ 60 days.

International health insurance policies can be classified into the following categories based on the destination country:

Schengen Travel Health Insurance

Travelers visiting one or more Schengen nations are covered by Schengen Travel Health Insurance plans. For vacations of fewer than 90 days, the plan is typically available.

Non-Schengen Travel Health Insurance

Travelers who are visiting a non-Schengen country or any country outside the Schengen region can get non-Schengen travel health insurance. This policy is available for both single and multi-trip journeys.

Travel Health Insurance Coverage

A travel medical insurance coverage, often known as medical travel insurance, protects travelers from the following risks:

Medical Illness Treatment

The travel medical insurance policy will cover any emergency medical expenditures incurred by the insured traveler in the event of a sudden sickness while on vacation. It will cover both the costs of daycare and the costs of hospitalization. Pre- and post-hospitalization expenses may be covered by some insurers up to a certain number of days.

Personal Accident

If the insured is involved in an accident while on vacation, this medical travel insurance policy will cover the costs of treatment. It will also pay out compensation if the insured suffers from a temporary or permanent impairment as a result of the accident.

Emergency Medical Evacuation

In the event that the insured traveler needs to be airlifted to a nearby hospital, travel health insurance coverage will come to the rescue. It will pay the costs of transportation, such as ambulance fees.

Emergency Dental Treatment

The insured traveler will be covered by the medical travel insurance coverage if he or she requires treatment for emergency dental pain relief while on vacation.

Hospital Daily Cash

If the insured traveler is hospitalized for more than a specified number of days, he or she will be eligible for a daily allowance to pay day-to-day hospital expenses.

Delay/ Loss of Check-in Baggage

If the insured's checked baggage is delayed or misplaced by the scheduled airline, the insurance provider will reimburse the costs and compensate the insured for the losses.

Additional Coverage of Travel Health Insurance

Other types of coverage are available under travel medical insurance from a few insurance firms in India. While some insurers may give these benefits as part of standard coverage, others may need an additional premium payment. Take a look at some of the extra benefits that an overseas health insurance policy might provide:

Pre-Existing Diseases Cover

The treatment expenditures will be reimbursed by the travel insurance provider if the insured traveler requires medical treatment for any pre-existing diseases or medical problems.

Flight Delays

The insurer will compensate the insured traveler for any losses suffered under the travel health insurance policy if the insured traveler's scheduled flight is delayed for more than a stipulated number of hours.

Personal Liability

If the insured traveler is held legally liable for inflicting injuries or damages to a third party while on vacation, this coverage will allow the insurance provider to compensate the insured.

Travel Health Insurance Companies in India

Several governmental and commercial insurance organizations are offering affordable travel health insurance policies with a variety of appealing benefits. Take a look at some of the top insurance firms in India that provide travel health insurance:

Travel Health Insurance Companies in IndiaMaximum Entry AgeKey Features
Aditya Birla Travel InsuranceNot available
  • Hospitalization expenses
  • Medical emergency assistance
  • Repatriation expenses
Bajaj Allianz Travel InsuranceMinimum - 6 months
Maximum - 70 years
  • Personal injuries
  • Accidental death
  • Medical evacuation
Bharti AXA Travel InsuranceMinimum - 3 months
Maximum - 85 years
  • Dental care expenses
  • Medical expenses
  • Daily hospital allowance
Care Travel InsuranceMinimum - 1 day
Maximum - 70 years
  • Hospitalization expenses
  • Out-patient care
  • Life-threatening conditions due to PED
Chola MS Travel InsuranceMinimum - 3 months
Maximum - 85 years
  • Overseas medical expenses
  • Personal accident - overseas
  • Dental treatment expenses
Digit Travel InsuranceMinimum - 3 months
Maximum - 99 years
  • Accidental death & disability
  • Emergency medical treatment & evacuation
  • Daily cash allowance
Future Generali Travel InsuranceMinimum - 6 months
Maximum - 80 years
  • Emergency medical evacuation
  • Medical expenses
  • Emergency sickness dental relief
IFFCO Tokio Travel InsuranceMinimum - NA
Maximum - 60 years
  • Medical expenses
  • Dental treatment
  • Hospital daily allowance
National Travel InsuranceNot available
  • Medical evacuation
  • Illness hospitalization expenses
  • Medical emergency reunion
New India Travel InsuranceMinimum - 6 months
Maximum - 70 years
  • Medical/ repatriation expenses
  • Personal accident
Oriental Travel InsuranceMinimum - 6 months
Maximum - 60 years
  • Personal accident
  • Medical expenses and repatriation
Reliance Travel InsuranceMinimum - 6 months
Maximum - 60 years
  • Medical expenses
  • Total loss of checked-in baggage
  • Delay of checked-in baggage
Royal Sundaram Travel InsuranceMinimum - 91 days
Maximum - No upper limit
  • Sickness dental relief
  • Medical expenses
  • Repatriation of mortal remains
SBI Travel InsuranceMinimum - 6 months
Maximum - 70 years
  • Hospitalization daily allowance
  • Personal accident
  • Medical expenses
Shriram Travel InsuranceMinimum - 90 days
Maximum - 65 years
  • Personal accident
  • Medical expenses cover
  • Dental treatment
Star Travel InsuranceMinimum - 6 months
Maximum - 70 years
  • Emergency medical transportation
  • Dental emergency expenses
  • Transportation of mortal remains
Tata AIG Travel InsuranceMinimum - 6 months
Maximum - Not available
  • Accidental death & repatriation
  • Medical emergencies
  • Emergency medical evacuation
United India Travel InsuranceMinimum - 6 months
Maximum - 80 years
  • Personal accident
  • Medical expenses & repatriation
  • Hospital daily allowance
Universal Sompo Travel InsuranceMinimum - 1 day
Maximum - 70 years
  • Medical repatriation
  • Dental treatment
  • Medical expenses

Exclusions of Travel Health Insurance Policy

The following events or scenarios are often excluded from most travel medical insurance policies:

  • Traveling Against Medical Advice - The travel insurance company will not pay for any medical expenses incurred during the trip if the insured is traveling against his or her doctor's advice.
  • Pre-existing Diseases - Unless acquired as an add-on cover, most travel insurance providers do not cover any pre-existing medical conditions or illnesses under travel health insurance plans.
  • Consumption of Intoxicants - Any medical expenses paid for the treatment of an illness or injury caused by intoxicants such as alcohol or drugs will not be reimbursed.
  • War or Civil Unrest - Any damage or illness sustained by the insured traveler as a result of events such as war, an act of war, protest, strike, terrorism, or other similar events will not be covered by the travel medical insurance policy.
  • Cosmetic Treatment - The insurance provider will not reimburse any medical expenses incurred for aesthetic treatment or surgery.
  • Sexually Transmitted Diseases and HIV AIDS - - The expenses spent if the insured traveler obtains treatment for any sexually transmitted diseases or HIV AIDS while traveling is not covered by this policy.
  • Self-inflicted Injury - The travel health insurance policy will not cover medical treatment for self-inflicted injuries, such as suicide or attempted suicide.
  • Alternative Treatment - If the insured traveler takes treatment from Ayurveda, Homeopathy, Siddha, or Unani during his or her trip, the insurance company will not reimburse the costs.
  • Adventure Sports - Most insurance companies do not cover any medical expenditures incurred as a result of participating in adventure sports activities such as rafting or skiing during the trip.
  • Mental Disorders - If the insured travelers seek treatment for medical conditions such as anxiety, depression, or other mental illnesses while on vacation, the medical expenses paid will not be covered by the travel medical insurance policy.

Benefits of Travel Health Insurance Policy

Traveling may be a risky business. The likelihood of a tourist being ill increases dramatically as a result of the change in climate and exercise involved. Travel health insurance protects travelers who become ill or have an accident while on their trip. The following are some of the ways that a travel medical insurance policy might help a traveler:

Emergency Medical Expenses

If the insured traveler becomes ill or has an accident that necessitates hospitalization, his or her travel health insurance coverage will cover all of the medical costs. It reimburses ambulance fees and covers both before and post-hospitalization expenses as well as the cost of delivering the patient to the hospital. Furthermore, travel medical insurance compensates the insured in the event of temporary or permanent impairment.

Medical Assistance at Remote Areas

This form of insurance can come in handy if the insured is traveling to a rural location with limited healthcare options. In the event that the tourist requires emergency medical care, the insurance company will transport him or her to the nearest hospital.

Coverage for Each Traveller

A travel health insurance policy will cover all types of travelers, regardless of where they are going or why they are traveling. Every traveler, from individuals to families, older citizens to students, can benefit from this medical travel insurance package. Even frequent travelers to different parts of the world are covered by this policy.

Travel Stress-Free

If someone becomes ill or is injured in an accident, a journey can become rather stressful. People who have travel medical insurance, on the other hand, can travel without anxiety because they are covered under the policy for any unanticipated medical emergency.

How to Buy Travel Health Insurance?

Both online and offline, a travel health insurance policy can be obtained. People who want to get travel insurance offline might go to the insurance company's nearest branch or contact one of its representatives. Those interested in purchasing travel health insurance online should follow the steps outlined below:

  1. Visit the official website of Policybazaar Insurance Broker Private Limited
  2. Go to the option of buying travel insurance
  3. Fill in the online application form with the required details such as travel dates, destination, email id, etc.
  4. Select the international health insurance plan to buy
  5. Pay the premium amount online
  6. The traveler will receive a soft copy of the policy document in the email.

What is International Travel Medical Insurance?

Travel health insurance policies that cover foreign trips are referred to as international travel medical insurance. It covers the insured traveler in the event of a medical emergency while on a vacation abroad. Typically, such plans place a larger focus on medical evacuation coverage. The majority of insurance firms provide international travel medical insurance plans that cover the entire planet.

Claim Procedure for Travel Health Insurance

The best travel health insurance policy's claim procedure is comparable to that of a standard travel insurance policy. To file a claim under a Travel Medical Health Insurance coverage, follow the steps below:

  1. Inform the insurance company or the third party assistance (TPA) provider about the hospitalization abroad through phone or email
  2. Arrange documents that need to be submitted in support of the claim, including the claim form
  3. Submit all the documents to the TPA or the insurance provider via post, email, or fax
  4. The claims team will verify the claim and make the payment

Cashless claims are only possible if the insured is admitted to one of the insurance company's network hospitals. In the case of cashless claims, the insurer will pay the network hospital directly when the treatment is completed.

How to Renew a Travel Health Insurance Policy?

A renewability option is generally included in a travel health insurance policy. If the insured desires to extend his or her vacation and remain covered against any unforeseen medical bills, the policy can be renewed. Simply make sure to renew your current insurance before coverage expires.

A travel medical insurance coverage can be renewed both online and offline by the insured traveler. For an offline policy renewal, he or she would need to go to the insurance provider's nearest office or contact an insurance agent.

People who want to renew their travel health insurance online can do so by following these steps:

  1. Visit the website from where the policy was purchased
  2. Log in to the website using the username and password
  3. Enter the details of the existing policy, such as policy number
  4. Review the details of the existing policy
  5. Pay the premium amount
  6. The renewed policy will be sent to the policyholder.

Compare Best Travel Health Insurance Plans

It might be tough for a person to choose the finest travel health insurance plan because there are so many options on the market. As a result, comparing various plans offered by different insurance companies is the easiest approach to locate the most appropriate travel medical insurance.

This will assist the insured in locating an appropriate plan for his or her trip that will provide the finest coverage at a reasonable cost. Policybazaar Insurance Broker Private Limited's website allows anyone to compare different travel health insurance policies online.

International Health Insurance - FAQs

Q: Am I Required to Undergo any Medical Examination Prior to Buying a Travel Health Insurance Plan?

Ans: No, foreign health insurance does not require a medical examination for travelers under the age of 65 or 70. The age limit, however, may vary from one insurer to the next.

Q: Can I Buy Travel Medical Insurance with a Pre-Existing Condition?

Pre-existing medical issues are typically not covered by travel medical insurance. However, if you purchase pre-existing conditions add-on coverage, your insurer will cover any medical expenses incurred as a result of such diseases.

Q: Can I Buy Travel Medical Insurance Even After Booking a Flight?

Yes, The good news is that you can get travel health coverage after you've purchased your plane tickets but before your scheduled departure date.

Q: Is Travel Health Insurance and Health Insurance the Same?

No, travel health insurance and health insurance are not the same things. Travel medical insurance, on the other hand, is very similar to travel insurance. Only unforeseeable medical situations and expenses incurred during the trip are covered by travel medical insurance. A health insurance policy, unlike travel medical insurance, will cover you against medical emergencies even if you are not traveling.

Q: How Much Does Travel Health Insurance Cost?

The cost of medical travel insurance is determined by several criteria, including the age of the traveler, the purpose of the trip, the coverage chosen, and so on. Many travel medical insurance coverage starts at roughly INR 650 for the duration of the trip. It is also possible to pay on a per-day basis. Before choosing a plan, use's travel insurance calculator to estimate the cost of an international health insurance policy.

Q: Can I Buy Travel Medical Insurance for My Aged Parents?

Yes, you can ensure your elderly parents while traveling. Many insurers provide travel health insurance to senior individuals between the ages of 65 and 70. Compare the plans on factors such as pre-existing sickness coverage and other features before purchasing one.

Q: Does Travel Insurance Cover Medical Insurance?

Yes. Travel insurance policies cover the insured traveler's medical expenses while on the road. It is also known as travel medical insurance, because it provides medical coverage to the insured while they are traveling, such as emergency medical bills, dental charges, and medical evacuation coverage, among other things.

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