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Summary
In the fast-paced lives that people are living these days, it is essential to take some time off every once in a while. One of the best ways to do so is by visiting different countries and experiencing a change of scenery. However, having International Travel Insurance is essential for anyone travelling abroad. It is essential for senior citizens, who might face additional risks while travelling due to age-related health issues. This article will help you see the need and how to get the right Senior Citizen Travel Insurance.
Introduction
International travel insurance, also known as international health insurance, is a type of travel medical insurance available for travellers to cover any medical emergencies during their overseas trips. It covers medical expenses, evacuation services, lost luggage, and other unexpected mishaps that may occur during the travel. Whether you are going abroad to meet your family or just for fun, this insurance will help keep your medical worries at bay.
Need for International Travel Insurance
International travel insurance is important to protect yourself, your health, and your finances while travelling abroad. It provides coverage for medical emergencies, financial losses, and other unexpected events that may occur while travelling. It also protects your belongings and helps you return home if you are stranded in a foreign country. Moreover, It is important to note that some countries require travellers to have international travel insurance to enter their country.
Additionally, in the case of Senior citizens, they face several health challenges that warrant the need for travel insurance while going abroad. These include an increased risk of falls and injuries, increased susceptibility to illnesses and diseases, and a greater risk of developing medical complications. Moreover, senior citizens may be at greater risk for developing a medical emergency due to pre-existing conditions, such as diabetes, heart disease, or chronic respiratory illness. Having Senior Citizen Travel Insurance helps to protect against these health concerns and ensures that seniors are covered in an emergency.
How does International Travel Insurance Work
An international travel insurance plan covers a variety of medical, financial and other risks associated with overseas travel. For example, the plan covers medical or dental emergency treatments, loss of personal documents, medical evacuation, hospital daily cash allowance, accidental death and permanent disablement. It also offers coverage for lost luggage and flight delays. HDFC ERGO provides all these in its International Travel Insurance Plan. However, there are specific exclusions: coverage for civil war or foreign war, terrorism, self-inflicted injury, suicide, non-adherence to medical advice, and injuries occurring under the influence of liquor, drugs, or narcotics.
HDFC ERGO also offers Senior Citizen Travel Insurance, which provides comprehensive coverage for medical or dental emergencies, financial emergencies, and loss of baggage. It also provides travel-related coverage and protection for short- and long-term trips abroad. This travel insurance plan offers a range of benefits, including coverage for certain pre-existing conditions, emergency medical treatment, repatriation of remains, trip cancellations, and 24/7 emergency assistance. HDFC ERGO’s International Travel Insurance for Senior Citizens also provides coverage for others in the same family, offering flexible payment and renewal options.
However, it does not include war, a breach of the law, pre-existing diseases, or injuries arising from adventure sports. The insurance plan is designed to provide seniors with financial security in case of an unexpected medical emergency while travelling. It also offers peace of mind, which they get from knowing they are covered in a medical emergency or any other unexpected event.
Types of International Travel Insurance Plans offered by HDFC ERGO
HDFC ERGO provides three types of international travel insurance plans, namely –
- Single Trip Insurance – This plan offers coverage for one round-trip journey for up to 90 days. It can either be taken for an individual traveller or the whole family;
- Multi-Trip Insurance – This plan offers coverage for multiple trips per year for a duration of up to 180 days. This is the perfect plan for frequent flyers.
Senior Citizen Travel Insurance Coverage by HDFC ERGO
HDFC ERGO is a reasonable choice for Senior Citizen Travel Insurance as it provides comprehensive coverage, as listed below
Medical Related Coverage
- Emergency Medical Expenses
- Emergency Dental Expenses
- Medical Evacuation
- Hospital Daily Cash Allowance
- Medical and Body Repatriation
- Accidental Death
- Permanent Disablement
Baggage Related Coverage
- Loss of Baggage & Personal Documents
- Loss of checked-in baggage
- Delay of checked-in baggage
Journey-related coverage
- Personal liability
- Financial Emergency Assistance
- Hijack Distress Allowance
- Flight delay
- Hotel Accommodation in case of a medical emergency
What’s Not Included?
It’s important to note that the following are not covered in this Insurance Plan –
- Breach of Law
- Consumption of Intoxicant substances
- Pre-existing diseases
- Cosmetic and Obesity Treatment
- Self Inflicted Injury
- Adventure Sports
- How to Buy HDFC ERGO International Travel Insurance Online
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Buying Senior Citizen Travel Insurance before might have been challenging, but not any more!
Just follow a few simple steps and get your Insurance Plan online at your convenience!
- Keep all the travel details like Traveller Name, Date of Birth, Date of Departure and Arrival and the name(s) of the destination(s);
- Compare all the different plans available on HDFC ERGO Website;
- Follow the payment link provided after submission of details;
- Open your inbox where the Insurance Policy will be sent after payment completion, and you are good to go!
Conclusion
With the World changing rapidly and the advent of the computer age, it has always been challenging to get things done online. Even Senior Citizens can enjoy life to the fullest with all the available facilities at every step. The World is waiting with open arms, so get your travel insurance today and visit all the foreign places on your bucket list!