Whether it’s a vacation of a lifetime or a cross-country trip to explore the world, you may ask yourself, “Should I buy travel medical insurance?” The answer is “yes”, as life is full of uncertainties. Moreover, you are in a foreign land with family and vulnerable to risks related to health, luggage or document loss, and flight delays and cancellations. Hence, it is essential to have a sound travel health insurance plan that also provides financial safeguards to ensure a hassle-free vacation.
Should I Get Travel Health Insurance?
Opting for a travel health insurance plan could be a smart investment if you are planning overseas travel. A travel health insurance plan will cost you 5%-6% of your trip cost. Travel insurance can pay off for flight delays, medical risks, travel risks, and much more.
Travel medical insurance for emergencies
Suppose you face a medical emergency in the midst of your travels. In that case, this travel health insurance plan will cover the doctor and hospital bills, ambulance service, medicine, X-rays, and lab work up to the ceiling mentioned in your policy. Such differentiation will help reduce your financial costs, as most Indian health insurance plans do not cover services outside the country.
Medical evacuation travel insurance
Imagine you are in a foreign land and trekking across hills, jungles, and mountain ranges where no medical facilities are available. Unfortunately, you suddenly fall sick for no apparent reason. In such a scenario, the travel insurer will take care of the cost of transporting you by helicopter or ambulance to a nearby healthcare facility. The travel medical insurance will cover the expense of taking you to the closest healthcare facility overseas that’s well-equipped to treat your condition. The travel medical insurance also covers the cost of sending you back home to India for emergency medical attention.