What are the Benefits of Medical Travel Insurance?

When travelling abroad, make sure that medical travel insurance is among the first five things on your shopping list. In fact, many countries refuse entry to visitors who do not have it. Medical travel insurance policies come with a host of benefits such as:

1. Family emergency

There might arise a situation when you have to cancel your trip due to a medical emergency or a death in your family. In this scenario, the travel insurance will compensate for the losses incurred due to trip cancellation.

2. Repatriation costs

Imagine a situation where you fall sick and need continuous medical attention while on a trip. You may want to cut short your vacation and head home to pursue treatment in your home country, which means additional costs to buy an earlier return ticket. This is where a medical travel policy comes in handy. It covers the expense of repatriation, and the insurer will make the appropriate arrangements to assist you in returning to India.

3. Replacement to regular medical insurance

Even if you have health insurance with various add-ons, it will be of no use in a foreign country. Your medical plan is valid only in India. However, this is not the case with medical travel insurance. If you fall sick abroad due to changes in climatic conditions or some other reason, the insurer will cover the treatment costs.

4. Dental treatment

If you are travelling to a place where the temperature is below zero, you are more likely to have a tooth problem. Dental problems can be caused by several other factors too such as accidents, hard food etc. Travel insurance will cover such unexpected dental issues. Remember, if the sole purpose of your trip is to treat your pre-existing dental condition, then the insurer may not reimburse such treatment expenses.

5. Personal accidents

Accidents are the last thing on anyone's mind when they are on vacation. But, regardless of your preparedness and precaution, there is always the possibility of injury. Given this, the insurer covers injury, permanent disability, and even death.

To sum it up

Medical travel insurance is undeniably the perfect replacement for your regular health plan when you are travelling abroad. It ensures you have a safe, secure and stress-free trip.