Travelling- it leaves you speechless, then turns you into a storyteller - Ibn Battuta.
Travel brings memories of relaxation, happiness, new experiences, and quality time with your family. You don’t want worry, stress and mishaps to ruin your journey. You want to avoid stories about how you had to run to the hospitals and spend an insane amount on hospitals and loss of baggage, passports, etc. This is why it is crucial to get yourself and your family covered by travel insurance that covers your unforeseen medical expenses abroad, baggage loss, trip delays, etc. It would help if you had overseas travel health insurance, which takes care of any unforeseen incident while you are abroad.
Now that you know the importance of travel insurance, knowing the right time to opt for it is also crucial! But first, let us explain what an ideal travel insurance plan should cover!
Trip insurance in India covers a lot more than just medical expenses.
Check out Care Health Insurance for further details on add-on covers so that you can select what best suits your travel needs.
One question you might be wondering is, “Can I purchase travel insurance after departure?”The answer is no. As per the Insurance Regulatory of India, there is no provision for purchasing international travel insurance once you depart from your home country and leave India. You can apply for travel insurance after you purchase the tickets or even when a Visa is issued, even before checking in at the airport! But you need to be in India to apply for travel insurance, even if it is a day before your departure. This is as per India's travel insurance policy rule.
Post-departure travel insurance is available in various countries abroad. Hence, it would help if you mandatorily bought your travel health insurance at the earliest before you fly out.
The claim procedure can be done online in a smooth, seamless manner, even when you are abroad. You just have to follow the below-mentioned steps:
With Care Health Travel policies, you can rest assured that you can travel with peace of mind.
Although the main aim of any insurance is to provide financial assistance, travel insurance and internationl health insurance are two plans that may vary due to their scope of coverage. Let us understand the basic difference between the two terminologies through the table as mentioned below.
Parameters | Travel Insurance | International Health Insurance |
---|---|---|
Duration of Coverage | Short-term coverage for the duration of a trip | Long-term coverage for those living abroad |
Purpose | Designed to provide coverage for travellers on a trip | Meant for individuals/ families living in a foreign country |
Coverage Focus | Provides cover for emergency medical treatment during travel, trip interruption/cancellation, baggage loss, etc. | Provides complete medical coverage, including hospitalisation, accidents, disabilities, etc. |
Cost | Lower premiums as coverage is limited | Higher premiums due to extensive coverage |
Trip Frequency | Typically covers single or multiple trips within policy duration | Coverage extends beyond single or multiple trips |
Also Read: Things to Carry on International Trip
If you are a seasoned traveller, buying travel policies for every small trip may feel unnecessary and cumbersome. But trust us, it is as important as carrying your medicines and wallet, without which you cannot survive. Even for a short trip to a conference or a wedding, apply for international coverage to avoid any financial hassles due to medical emergencies.
Always remember that you need support in an unknown country, especially if you need expensive medical treatment out of the blue. It pays to stay prepared. Before you pack your bags or make a list for shopping and other expenses, get yourself an international policy with comprehensive cover without delay. Care health policies for international travel are just what you need.
Disclaimer: Plan features, benefits, coverage, and claims underwriting are subject to policy terms and conditions. Kindly refer to the brochure, sales prospectus, and policy documents carefully.
Published on 27 Nov 2024
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