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What Is Travel Health Insurance?

Explore the world of travel health insurance, covering emergencies, hospitalization, and unexpected incidents abroad. Ensure a secure and worry-free international journey.

  • 31 Jan 2024
  • 2 min read
  • 17 views

Travel insurance barely costs 4% to 12% of your entire trip. Now, you must be wondering what is travel health insurance, after all the talk on insuring vehicles and other valuable possessions we keep hearing about. Travel health insurance covers all your emergency health expenses while travelling abroad.

Travel Health Insurance


The health insurance we purchase in India is not applicable abroad. Therefore, be sure to secure travel medical insurance before you plan an international vacation. Now, the question arises: what is the best international travel health insurance? Further, what is travel medical insurance and what are some of the features of a good plan?

  • Hospitalisation if you fall sick or face an accident on a flight or in a foreign land. It
    includes both in-patient and out-patient emergencies.
  • Coverage of all hospital expenses. The amount is usually pre-specified in the policy on a
    per-day basis.
  • The insurance company bears the cost of a family member who travels abroad to visit
    you in case of hospitalisation.
  • A few policies also cover dental expenses if you break your teeth.
  • Transportation costs if you need evacuation to a different medical facility nearby.
  • Insured sum in case of permanent disability or death.
  • Repatriation of mortal remains or transportation in case of any medical emergency.
     

However, travel health insurance does not cover pre-existing ailments, cosmetic treatments, plastic surgeries, or self-inflicted injuries. You should disclose your actual health details while purchasing a policy. So, what is travel health insurance and what does a good insurance offer? Make sure you check the following things in your travel health insurance policy:

  • Risks covered
  • Duration and countries to which it is applicable
  • A list of hospitals where you can claim insurance
  • Cashless coverage ensures you don't have to worry about exchanging cash in a foreign
    land.
  • Co-pay charges or the amount of health insurance claim to be paid by you

Also read:

Conclusion

What can be better than an insurance policy that even secures your death before you are no more? Travel health insurance is available for individuals and families alike. So, the next time you plan your itinerary somewhere overseas, remember to include travel health insurance.

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