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Insurance Article

Make overseas trip for senior citizens hassle-free with a travel insurance policy

January 18 2013

employment opportunities. It is common for parents of such individuals to visit them and spend some quality time with their loved ones. However, with the advancement in age, such elderly travellers are more vulnerable to experience panic during an unfortunate situation or emergency during their stay abroad.

To eliminate all these hassles, it is wise to insure elderly overseas travellers with a travel insurance plan that is carefully designed to match their needs. An insurance company that offers overseas travel policy for individuals in the age group of 71-86 years would be beneficial. Such an entry age allows elderly individuals to travel safely to a foreign destination with optimum insurance coverage for the entire duration of the stay.

The procedure for the purchase of a travel insurance policy must be lengthy as it is likely to cause inconvenience to senior citizens. Due to the widespread availability of the internet, many insurance companies offer online mode for the purchase of such an overseas travel insurance policy. Such policies are perfect for senior citizens as they can buy the perfect policy from the comforts of their home with just a few clicks of the mouse.

You must opt for a insurance cover that offers coverage for a long duration. A travel policy that offers coverage for about 180 days with easy trip extension facility would be extremely beneficial. However, you must carefully review the payment structure to ensure that you are not charged extra if the trip gets extended. Also, an overseas trip that has a per day payment structure allows you to greatly reduce overall travel cost even if your stay abroad gets extended for a few more days.

Elderly individuals have low immunity to the advancement in age and changes in weather, time zones or eating habits are likely to cause unease due to a disease contracted during their stay abroad. To prevent expenditure on expensive medical aid, you must select a policy that offers sufficient medical coverage. You must also ensure that injuries or illness that requires hospitalisation are also covered so that elderly travellers do not have to foot the large hospitalisation bills singlehandedly.

Inclusion of the travel cancellation policy feature in the travel insurance for elderly individuals further reduces the hassles if overseas travel plans are cancelled. loss of baggage or passport must also be covered so that senior citizens can enjoy a safe, stress-free travel even when faced with any emergency.

Disclaimer - The article contains only an indication of the cover offered. For complete details on coverage, terms, conditions and exclusions, please read the sales brochure carefully before concluding a sale. This article is brought to you by ICICI Lombard General Insurance Company Limited. Insurance is the subject matter of solicitation.

IRDA Reg. No. 115

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Job Code: EC012479MI
Product Code: Misc. 129


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