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08/12/2020 11:53:14
Travel insurance is a type of insurance policy that safeguard your travel from various uncertainties, including medical emergencies, baggage loss, flight delays and more. It provides financial coverage to help you deal with the various medical and trip-related contingencies that may arise during your trip. Whether you’re travelling abroad to meet your loved ones or for adventure, ICICI Lombard’s TripSecure+ travel insurance is here to keep you covered.
Travel insurance for senior citizens is available for people aged 60 and above. Also known as travel insurance for elderly, this insurance offers financial coverage in the event of passport loss, baggage loss/delay, medical emergencies and more. Whether it's a vacation or visiting family, senior citizen travel insurance ensures the elderly can enjoy their journey with complete peace of mind.
Travel insurance for senior citizens is essential because of various reasons. Some of them are:
Seniors are more prone to health issues. A sudden fever, fall or existing condition flaring up during a trip can lead to high medical bills. Travel insurance for elderly ensures they get the care they need without worrying about costs. This is especially helpful when travelling to countries where medical treatment is expensive.
Losing luggage or important documents can be pretty stressful for seniors. Travel insurance for senior citizens offers a financial cushion during such mishaps. It also makes the process of getting emergency support much smoother. This means seniors can focus more on their trip and less on managing problems.
Families worry when the elderly travel alone or even with a group. Senior citizen travel insurance reduces that worry. Everyone feels more confident knowing there’s a backup plan if something goes wrong. It brings comfort to seniors and their families.
Here are some sailent features of travel insurance for senior citizens:
Travel insurance for elderly helps cover medical expenses for seniors. It covers hospitalisation expenses for illness or injury. Additionally, it offers medical evacuation and emergency dental care for sudden pain or accidents that may crop up during the trip.
The baggage and personal effects cover reimburse cost of lost checked-in baggage. That's not all. It also pays automatically if the baggage gets delayed beyond the specified time as per the policy's terms and conditions.
Suppose you had to cancel your trip due to unexpected situations like sickness or natural calamities. Worry not. With our travel insurance, you’re covered for trip cancellations as per the policy’s terms and conditions.
Senior citizen travel insurance offers various add-on covers that you can add to the base policy for enhanced coverage. Some add-ons on offer are pre-existing disease cover add-on, electronic equipment add-on, etc.
Before you purchase travel insurance for senior citizens, be mindful of:
Before purchasing a travel insurance plan for senior citizens, always check the age limits. Insurers can have different premium slabs based on age brackets. Ensure the policy you choose fits your age and has no hidden age-related restrictions.
This is one of the most crucial aspects to look into. Not all policies cover pre-existing conditions. Also, those that do might have specific terms or waiting periods. Be transparent while declaring any existing health issues. Hiding them can lead to claim rejection later.
Go through the policy wordings to know the exclusions and limitations. Knowing these exclusions helps avoid unpleasant surprises later. If you are unsure about something, seek clarification from the insurer without hesitation.
When buying travel insurance elderly, don’t underestimate the importance of responsive customer support. Check if the insurer offers round-the-clock help and if their claim process is simple and well-rated. Delays in claim processing can be stressful for seniors.
To purchase travel insurance for senior citizens online:
To make a claim from travel insurance for elderly:
The documents required to raise a claim under senior citizen travel insurance can vary depending on the type of coverage you are claiming for. Each coverage section in the policy has its own set of required documents to establish the validity of the claim. It's important to note that missing or incomplete documentation can lead to delays or even rejection of the claim. Therefore, go through the policy wordings carefully to understand the exact documentation needed for each type of claim.
Experience iconic American landmarks such as the Lincoln Memorial and Statue of Liberty that symbolise freedom and foundational values.
Visit significant landmarks in Europe like Vatican City and Pompeii that showcase the continent's ancient roots and historical struggles.
Germany's historical sites like the Brandenburg Gate and Reichstag narrate its dynamic past from medieval times to modern reunification.
Seniors may be more vulnerable to health issues and travel disruptions. Travel insurance offers peace of mind by covering unexpected medical expenses, hospitalisation, loss of baggage, and more.
It depends on the insurer and the age of the traveller. Some policies require medical tests for applicants above a certain age.
Yes, most senior citizen travel insurance policies cover trip cancellations due to medical emergencies or personal reasons, depending on the policy's terms and conditions.
Usually, adventure sports are excluded, especially for senior citizens due to higher risks. If you plan such activities, look for add-ons that cover such sports.
The premium depends on factors like age, destination, trip duration, health condition and the coverage amount.
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