Here are Answers to Some FAQs About Travel Insurance
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It is an insurance cover provided by an insurance company for the expenses incurred by an individual or group of individuals during medical or non-medical emergencies while traveling overseas. Basically, a travel insurance plan covers coverage for missed flights, Hospitalization cover, Baggage Loss, passport loss medical evacuation or unforeseen flight accidents. Religare offers a customized plan based on the specific needs of travelers, and allow travelers to roam worry-free.
Travelling exposes us to various health risks. In fact, we are exposed to such risks even when at home but the possibilities increase when we leave the comforts of our home to go on a trip. Moreover, it is also important to realize that there are chances we might face inconveniences such as misplaced baggage or loss of valuables.
Hence, considerable thought towards ensuring safety before starting a trip is of utmost importance. Purchasing travel insuranceis one step in this direction, which will keep you financially protected in emergency situations.
You can look forward to a whole range of benefits in a travel plan - right from hospitalization coverage as a result of illness/injury to emergency situations like loss of personal possessions.
However, choosing the right plan for your travel needs can be a little confusing, especially if you are a first-timer. If you are looking for the right answers to your questions on travel insurance, then continue reading.
A travel policy starts covering your expenses from the time you board a flight for your local or overseas trip. Travel plans are valid until the completion of the insurance policy period for which you paid the premium. International travel plans stop providing cover after the insured person returns to his or her home country. However, if your journey gets extended due to unforeseen situations, you can get your policy extended for a certain time duration, that too, without any additional cost on premium.
It is valid in case of emergency extension of your trip due to unavoidable situations such as flight cancellations or delays owing to bad weather. For planned extension where you decide to extend your trip voluntarily, you may have to bear additional premium costs.
It is important to read the policy details thoroughly to know the number of days the policy will be extended for. In order to avail the extension feature, you must contact your insurer and provide supporting document proofs.
Travel policies offer cover for several types of medical costs such as medical evacuation, treatment in the home country, injury-related dental expenses as well as in-patient and out-patient medical care. Most importantly, in emergency situations where hospitalization is required – for instance, due to accidents or worsening pre-existing medical conditions - the travel policy will offer coverage amount as defined in the policy document.
To know what does travel insurance cover as far as medical expenses are concerned, the policyholder must read the plan details with great attention.
To most of us, travel insurance seems like an unnecessary expense. It is something which, usually people won’t consider as a part of one’s travel itinerary. Travelers have for years, underestimated the significance of travel insurance, as its purpose only comes to fore when things go wrong. But then, after all, isn’t it better to be safe than be sorry, especially when you’re away from home country. Wish to know why overseas travel insurance is important? Let’s discuss
Although travel policy covers a number of medical and non-medical emergencies, there are many situations that may not get covered. They are specified in the policy exclusions. Some examples include treatment for HIV/AIDS, self-inflicted injuries, involvement in a breach of law and personal liability towards another person, whether personal, official or commercial. It is advisable that you check these exclusions provided by your insurer when purchasing a policy.
Choose to make your overseas trip comfortable by getting a travel plan from Religare Health Insurance that perfectly meets your requirements.