Traveling abroad is not a far-fetched dream anymore. In fact, many people decide to travel abroad after retirement. They want to enjoy retirement with their spouse. With very little obligation towards a strict routine, they can now get on with their cherished desire of going on a world tour and do whatever they wish to.
The preparation for foreign travel is done with full enthusiasm. However, one thing that usually remains sidelined is travel insurance for senior citizens. This is a serious issue. Considering the fact that senior citizens are more vulnerable to emergencies, particularly those related to health, it is crucial to buy a travel insurance plan during a foreign country visit.
International Travel Insurance Senior Citizen Plan
When travelling abroad, it is crucial to carry a special insurance policy. The international travel plan is a comprehensive plan offered for senior citizens that covers insured individual for unforeseen medical and non-medical expenses when traveling abroad. This policy covers individuals aged between 71-85 years. It is specifically dedicated to senior citizens.
The international travel insurance senior citizen plan coverage offers a host of benefits that you can avail in order to ensure a happy, safe, and stress free trip abroad. The plan is available for individuals up to 85 years of age without medical check-up. The best part is that this plan offers you cashless hospitalisation facility accessible anywhere in the world! This means you don't need to worry about paying for hospital bills in cash. All you have to do is to fill a form for cashless claim, offer requisite documents, and get the treatment. The expenses will be taken care of by insurance company.
You can rest assured about getting premium quality health care facilities owing to the collaboration of the company with United Health International (UHI), a leading US based health care provider and global arm of UnitedHealth Group, one of the largest and most diverse health care companies in the United States.
What are you covered for?
Buying international travel insurance senior citizen plan will cover you for many situations abroad such as the cost for medical evacuation. You can claim for the total amount applicable for medical expenses along with the applicable extensions under medical expenses. Other benefits of buying a plan dedicated to seniors include repatriation of remains, cover for complete loss of checked in baggage. You can also look for assistance against inconvenience caused by delay of checked in baggage, and loss of passport. The plan will also cover you for personal liability, personal accident, and hijack distress allowance. This is not all. You will also get emergency cash advance to cope with the situations abroad. The cash will keep you from feeling deserted in an alien land.
Other benefits offered by the company under this plan include:
What are you not covered for?
- Trip cancellation
- Trip interruption
- Missed flight connection
- Trip delay
- Political risk
- Catastrophe evacuation
Now that you are aware of the situations you covered for, it is time you understand certain conditions excluded in the plan. This is important to avoid discomfort while travelling and making claims for insurance. Knowing about exclusion will also help you make arrangements beforehand.
Any claim due to or arising out of pre-existing medical condition/ailment whether declared or undeclared is not covered under the policy.
Buying international travel insurance senior citizen plan will not cover you against problems arising from addiction to alcohol and drugs. Any accident, expenses, or inconvenience caused due to mental disorder, anxiety and depression will not be covered by the insurance company.
Expenses incurred due to treatment for venereal diseases, sexually transmitted diseases, AIDS, and HIV are excluded from the plan. Problems and injuries caused due to radiation, nuclear weapons and sporting activities will not be considered by the company at the time of reimbursement.
Expenses arising out of loss of valuables, money, securities, and tickets are excluded from cover facilities. You need to take special care about going for naturopathy treatment, ayurvedic treatment, and homeopathic therapies. The insurance company will not reimburse expenses incurred from these treatments. Treatment associated to removal of physical flaws-cosmetic or plastic surgery and costs incurred relating to rest or recuperation at a spa or health resort are not covered in this plan.
Premium Payment Facility
The insurance company will allow for a number of payment options to choose from.You can also use these options to pay your insurance premium online:
You can easily make highly secure premium payment using your VISA, Master and AMEX card. The option also helps you pay premium in EMI (equated monthly installments). The amount will be directly deducted from your credit card on a regular basis.
You can easily transfer premium amounts online through ICICI Bank and 9 other select Banks.
You can easily use your ICICI Bank Internet Banking account to pay your international travel insurance senior citizen plan premium.
All you require doing is enter your Citibank Debit Card details to pay for your insurance premium directly.
You can also use your Done Card to make international travel insurance senior citizen plan premium payment online
In a nutshell, for a safe, worry free and ideal trip, we suggest that you buy an international travel insurance senior citizen plan. This policy is a must have for all when it comes to ensuring safety. It will help you deal with eventualities in an alien land may be really difficult for you.
Covering yourself against calamities during travel with an international travel insurance senior citizen plan will help you enjoy a peaceful and fun filled trip. Buy this plan and stay worry free.