Loading article content...
Amid the pandemic, overseas traveling was on halt for few months but, gradually its resuming. Going abroad always gives you excitement and goosebumps, whether for vacation or business purposes. However, when you go for official reasons, you have to travel alone most of the time, and if you fall sick or get injured, it is not less than a nightmare. Medical facilities in foreign countries are costlier. So, what will you do in such a situation? Here are some safety tips to follow if you fall sick during your business tour and know international travel insurance benefits:
Do Not Panic
Coronavirus is not the only reason you can fall sick. There are other reasons, like stomach infection, allergies, temperature, jetlag, food, accidental injuries, etc. So, first of all, do not panic if you have a fever, nausea, pain, or stomach upset; take teleconsultation from your doctor. If you do not get relief in one or two days, go to a local hospital or clinic. You can take help of your resident colleagues or hotel staff.
Carry Your First Aid
If you are already allergic or have some pre-existing diseases, do not forget to keep your regular medicines. You can also ask your doctor what other medication you can take along for normal fever, cold, cough, or pain. If you experience any usual sickness, you can take those medicines accordingly and overcome your unnecessary fear.
Inform Hotel Help Desk
However, if your health problem persists longer than expected, do inform the hotel help desk. You can ask them even to assist you in getting your medicines if you are short of any. They can arrange medical consultation for you or approach the nearest hospital. You should follow saftey tips while check-in the hotel to ensure your safe stay.
Go for Doctor's Consultation
Once you reach to a local doctor, explain the medicines you have already taken. You should also inform whatever you have eaten, your stomach condition, appetite, pre-existing diseases, regular medication, and what other problems you have. It's advisable not to hide any health-related information from the doctor. It will help the doctor to advise you on the right treatment.
Diagnosis
If the doctor prescribed some diagnosis, then go ahead. It can be a precautionary or to diagnose the reason for your sickness. Accordingly, the doctor can give you the medicines or guide you with the next treatment plan.
Eat Right
You should take care of your diet when you are in a foreign country. There is a high possibility that your stomach does not accept the change in water, salt, spices, and quality of food. At times, your body becomes habitual of the same food, water, and ingredients and faces difficulty adapting to the new environment. So, eat right, prefer vegetarian, warm food, and follow safety tips.
Use Overseas Travel Insurance
Travelers who make the most of their journey without hitches have one secret, i.e., overseas travel insurance. That is why it's always advisable to opt for international travel insurance. If you have it, then you can use it during an emergency. Such type of insurance covers your hospitalization, diagnosis, and treatment expenses. You do not need to worry about those extra financial burdens you may incur due to medical problems.
International Travel Insurance Benefits
Care Travel Insurance offers you Overseas Travel Insurance. It not only covers your medical expenses but also provides you additional benefits. Have a look!
Medical Benefits
With us, you do not need to worry about those hefty medical bills if you get sick in foreign countries. Read below what all medical benefits we have for you:
- Cashless Hospitalization
- In-Patient and Out-Patient Treatment
- Medical Evacuation
- Air Ambulance
- Daily Allowance for Hospitalization
- Personal Accident
- Surgical Dental Treatment
Baggage Benefits
You get the baggage benefits under international travel insurance, that compensate you up to the sum insured against:
- Loss of Checked-in Baggage
- Delay in Checked-in Baggage
- Loss of laptop/Tablet
- Breakage or Theft
>> Click Here to Read How Travel Insurance Will Help During the Loss of Checked-In Baggage
Travel Benefits
You can also get the reimbursement up to the sum insured for the following:
- Trip Delay or Cancellation
- Loss of Passport
- Loss of International Driving License
- Study interruption
- Terrorist attack
Additional Benefits
Our region-specific overseas travel insurance offers you the below additional benefits include:
- Emergency Cash Advance
- Bail Bond
- Sponsor
- Cover Accidental Death
- Personal Liability
- Protection
- Compassionate Visit
- Up-gradation to Business Class
- Lifelong Renewability
- 24X7 Customer Support
>>Also Read Tips to Buy a Right Travel Insurance Policy
How to File Travel Insurance Claim
So, in case if you need to use your travel insurance due to medical or non-medical emergencies, we have a simple process:
Documents: Collate your essential documents such as doctor's prescription, diagnosis, hospital bills, medical bills, etc. You need to send them to our claim management team for further processing and verification.
Check Exclusions: You should check the exclusions list to ensure that your claim will not get rejected and the treatment covers under your travel insurance.
Intimation: You should intimate our claim management team and hospital TPA desk about your hospitalization within a stipulated time.
Verification: Once you send your required documents to our claim management team, they do the verification. If they find all the records according to the policy terms and conditions, you get the approval.
>>Click Here to Read Important Tips to Avoid Travel Insurance Claim Rejection
Takeaway
Therefore, overseas travel requires extensive planning to ensure that your journey would be safe. However, travel insurance benefits you not only during a pandemic, but every time you travel out of India. An international travel insurance policy is vital. It does not only cover your financial losses but also acts as a safeguard against other non-medical emergencies that could spoil your trip. It allows you to go for medical aid without getting worried about your travel budget. It helps you to stand firm and face any travel exigencies across the world.
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.
