Travel Medical Insurance
Travel Medical Insurance
Travel Medical Insurance, more commonly known as travel health insurance, is meant to protect the policyholder when they are travelling abroad for any purpose. Travel health insurance is useful not only for medical emergencies where one may have to get medical help or be hospitalised but also during emergency evacuations or withdrawals overseas. Globally, travel medical insurance is also known as worldwide medical insurance, international medical insurance, or international travel insurance.
What is Travel Medical Insurance
Medical contingencies are never pleasant, no matter where you are. But when you are travelling, any emergency that calls for medical attention or hospitalisation can be even more stressful than at home. This is where medical travel insurance plays an important role in protecting you against any medical emergencies when you are travelling.
Medical travel insurance is a type of travel insurance policy that provides coverage to you in case you are hospitalised due to an illness or accident while on a trip. Without this insurance policy, the medical expenses abroad can be quite high. In such a situation, travel health insurance is a useful plan that provides financial coverage and the ease of availing of medical services during your travels.
You need not necessarily be on a business trip to have medical travel insurance; you should have this cover even if you are on vacation. The policy is meant to make medical services easily available to you without the stress of extensive medical bills in case of an accidental injury or illness during your travels.
Why Do You Need Travel Health Insurance?
Travelling abroad can often be a huge expense in itself, but you may not be able to avoid going on the trip. During your trip, any additional expenses can be a huge financial burden. Hence, here are some crucial scenarios that explain why you need travel health insurance when travelling abroad:
Coverage for illness and sickness: If and when you are diagnosed with a COVID-19 infection during the course of your trip and need to be hospitalised, the medical expenses incurred by you will be covered under the accident and sickness medical coverage feature. Apart from that, if you fall sick, face a medical emergency or meet with an accident that needs you to be hospitalised, these expenses will also be covered. Moreover, if the policy expires during your stay in the hospital, you will be covered until the next 60 days or till the time you are discharged, whichever is sooner.
If you lose your passport or baggage: Losing your baggage or misplacing your passport during a trip is not unheard of. However, travel health insurance can help ease out the mental stress and the financial loss in such a situation. In case of a lost passport, the insurance coverage will compensate the cost for a duplicate or new passport, while some important personal items from your lost baggage can be reimbursed monetarily.
Emergency medical evacuation: Travel insurance can be beneficial if you need to be moved to a hospital when travelling abroad. Not just that, if you need to come back to India for further medical treatment, this too can be covered by your travel health insurance.
Cancellation or delay of flight: A delay or cancellation of your flight can be due to bad weather, some problems with the airline, or any other unforeseen reason. Your travel health insurance policy will reimburse these losses. Also, if you have to cancel your flight due to a family emergency, the cost of the ticket and accommodation booked in advance will be reimbursed by the coverage.
Features of International Travel Health Insurance in India
Travel health insurance plans are very flexible and offer extensive coverage as per your needs. Below are a few salient features that are found in travel health insurance plans in India:
Access to cashless hospitalisation facility: If you are protected by travel health insurance in India and face a medical emergency due to which you need to be hospitalised, you do not have to worry about paying for the expenses from your own pocket. The insurance plan will provide a cashless hospitalisation facility, wherein the medical expenses will be settled by the insurance cover directly with the hospital.
Available for occasional or frequent travellers: A lot of travel health insurance plans can be customised to meet the needs of occasional and frequent travellers alike. Tata AIG’s domestic travel insurance policies are flexible and provide coverage for single trips for occasional travellers as well as multiple trips for regular travellers.
All-day medical assistance: Irrespective of where you are travelling, the insurance policy ensures that you can be covered for 24/7 medical assistance in case such a medical emergency arises.
Types of Medical Travel Insurance
Travel health insurance can vary according to your needs and your duration of travel. Hence, you can choose from the two types of travel health insurance plans so that you receive adequate coverage on your trip!
Single Trip Travel Health Insurance: If you are making a single trip to another country and need insurance cover for only that trip, then it is referred to as a single trip travel health insurance. The coverage of this type of insurance starts with the trip and ends once you come home.
Multi-trip Travel Health Insurance: A multi-trip travel health insurance is a policy that is generally taken for a year and provides insurance for multiple trips. However, there is a limit on the number of days for each of the trips and can go up to 30 or 45 days.
Family Travel Health Insurance: Our family travel health insurance covers up to 6 family members per policy. Whether you choose a domestic travel insurance policy or an international travel insurance policy, you and your family can be covered under the same plan.
Student Travel Health Insurance: Students travelling abroad for further education can look at Tata AIG's Student Travel Insurance policy. Apart from medical emergencies and illnesses leading to hospitalisation, this plan also covers tuition fees in case of medical emergencies as well as compassionate visits from family members.
Senior Citizen Health Insurance: A senior citizen travel health insurance plan is designed to look after the needs of senior citizens who are travelling abroad. Not only do these policies cover emergency medical expenses, but they also cover emergency medical evacuation and repatriation of remains. For more information, Check Tata AIG's Senior Travel Insurance Plan
Why Choose Tata AIG Travel Medical Insurance?
Tata AIG’s travel health insurance plans are made to offer adequate coverage and convenience when you are on your travels:
Coverage for COVID-19: If you are travelling abroad and are diagnosed with COVID 19 during your trip, resulting in hospitalisation, the medical expenses will be covered as per the amount in the policy. The policy also reimburses the bookings or tickets unused due to the cancellation or interruption of your trip. Lastly, if an emergency COVID-19 lockdown is imposed in the other country and you are unable to access any transport for your return, your travel health insurance is automatically extended for another 7 days.
Personal accident cover in case of death/permanent disability during the time of travel: If you are injured as a result of an accident during your travels, our travel and medical insurance policy will cover the expenses of personal injuries as well as medical expenses arising out of the injuries. The policy also covers disablement or even death as a result of these accidental injuries.
Affordable international coverage: Our international travel health insurance plans provide coverage against medical emergencies and more for a premium of as much as ₹40.82 per day. Quick and easy policy purchase: You can easily buy a Tata AIG travel medical insurance plan online in a few easy steps. Avoid the hassle of a medical check-up or present loads of paperwork to get insurance coverage during your travels!
Coverage of Travel Health Insurance
An international travel health insurance policy provides coverage to you in the following situations
Medical Illness Treatment: Our travel insurance covers emergency medical expenses. In case of sickness or a contingency that requires hospitalisation, medical attention, or treatment, you will be protected against the losses.
Accidental Death and Dismemberment: Our travel medical insurance plans also offer coverage for situations where you may be affected by injuries while abroad. These injuries or even your death could be a result of a personal accident or if you’re travelling by a mode of transport that meets with an accident.
Emergency Dental Treatment: If you suffer from a dental emergency while on a trip, the treatment is covered under the travel health insurance policy.
Delay or Loss of Check-in Luggage: Your insurance policy will cover the loss of baggage, caused either due to theft, displacement by the mode of transport, or the non-delivery at the destination.
Flight Delays: Any expenses that you may have to incur due to the flight’s delay of more than 12 hours will be compensated by the policy.
Personal Liability: If there is a damage claim legally filed against you by another party for damage to their property or any medical expenses due to accidental bodily injuries, then the travel medical insurance policy can cover these losses.
Exclusion of Travel Health Insurance
When you purchase medical travel insurance online, be sure to read the list of exclusions so that you are not stranded in a difficult situation while travelling:
Travelling against medical counsel: If you travel abroad against the advice of your doctor or before the prescribed waiting period is over, the insurance policy cannot cover the medical emergency arising out of this situation.
Pre-existing illnesses: Any complications arising out of a pre-existing medical condition cannot be covered by the travel health insurance policy. However, in case of a life threatening situation arising from a pre-existing condition, the travel health insurance coverage is capped at $1500.
Consumption of intoxicants: If you face a medical emergency due to the consumption of intoxicants or medication that is not prescribed by a physician, then the insurance policy cannot protect you during this emergency.
War or Civil Unrest: The travel insurance plan cannot protect you from losses arising out of wars, civil unrest, invasion, and other such hostilities.
Sexually Transmitted Diseases: Our travel health insurance policies do not cover Sexually Transmitted Diseases such as HIV/AIDS.
Injuries from intentional self-harm: Any attempt at self-harm leading to injuries cannot be under travel medical insurance.
Alternative treatments: If you choose to get treatment through Ayurveda, Unani or other alternative treatments, then the insurance policy cannot cover these costs.
Adventure sports: Your travel health insurance may not cover accidents or injuries that have occurred due to an attempt at extreme or dangerous adventure sports.
Mental illnesses: Any therapy or treatment for a mental illness such as depression, anxiety, etc., during the trip cannot be covered under the policy.
Overseas Travel Medical Insurance Coverage for Coronavirus (COVID-19)
Tata AIG’s international travel plans offer COVID 19 coverage, which can protect you in the following scenarios:
Medical Expenses due to Accidents & Sickness: You can be easily covered for COVID 19 emergencies under our international travel medical insurance plans. If you are affected by COVID 19 during a trip outside the country and need to be hospitalised for the same, the medical expenses will be covered under the plan. However, there is a limit on the amount for the coverage in the policy.
Trip Cancellation Coverage: If you are covered by a group travel medical insurance, and in case your trip or that of your travel companion or an immediate family member has to be cancelled before commencement due to a COVID-19 infection, the coverage reimburses the non-refundable and the unused amount of the hotel bookings, tickets, etc. But do note that these expenses will only be reimbursed if the bookings were made prior to being diagnosed with COVID-19.
Trip Curtailment/Interruption Benefits: If you have a group travel medical insurance and you, your family, or your travel companion are diagnosed with a COVID 19 infection due to which the trip has to be curtailed or cut short, the insurance cover will reimburse the remaining expenses of the unused bookings and tickets. Even the non-refundable expenses, additional travel, and accommodation will be reimbursed due to curtailment of the trip but is subject to the policy’s sum insured limit.
Automatic Extension Benefit: If you are covered by our international travel medical insurance, then in case of a lockdown in the other country and due to the non-availability of an alternate mode of transport, your policy will be automatically extended by 7 days. However, it is important to understand any terms and conditions under which this feature can come into effect.
Eligibility Criteria for Travel Medical Insurance Policy in India
Depending on the travel policy you choose, you will need to meet certain eligibility criteria to be able to avail of the policy:
In the case of a student travel insurance policy, you will have to be a student between the age of 16 - 35 years, travelling abroad for higher education.
International as well as domestic travel insurance plans are quite flexible and can cover up to 6 family members, including you. The age limit for a family member starts from 6 months of age with no upper age limit.
If you are travelling with non-family members or friends, each person will have to have individual travel insurance.
A senior citizen travel insurance policy is applicable for senior citizens starting from 71 years of age with no upper age limit. There are no restrictions such as medical tests or pre-existing conditions.
Frequently Asked Question
1. What does travel health insurance cover?
Tata AIG’s travel health insurance covers emergencies such as sickness and accidents, medical travel assistance or monetary support in case of loss of passport, loss or delay of baggage, personal liability where another individual is hurt and needs medical attention, a hijack cover with a distress allowance, extension of insurance cover.
2. What is the cheapest travel health insurance?
It is important to choose travel health insurance with adequate coverage instead of going for cheap rates resulting in low coverage. With the help of Tata AIG’s international travel insurance calculator, you can get a suitable plan which also provides a COVID-19 cover. The insurance coverage rates are as reasonable as ₹40.82/- per day for international insurance policies and ₹26 for our domestic insurance policies.
3. Which insurance is best for travel?
This will depend if you are travelling within the country, going abroad, travelling solo or with your family. Accordingly, you can choose a domestic or international travel insurance plan. At Tata AIG, we offer different travel insurance plans, such as –
- Domestic Travel Insurance
- International Travel Insurance
- Student Travel Insurance
- Senior Citizen Travel Insurance
Each of these travel insurance plans offers different types of coverage in terms of medical, travel, and baggage emergencies. You can visit our website to easily compare and choose the type of insurance you are looking for.
4. Can you buy just medical travel insurance?
Yes, you can buy only medical travel insurance when you are travelling abroad and want to be protected against medical emergencies. However, a lot of travel health insurance plans also offer protection against other emergencies such as loss of passport or loss or delay of baggage, etc. Therefore, you can also choose from such travel medical insurance policies, which provide more extensive coverage.
5. Does travel insurance cover Covid 19?
Yes, Tata AIG’s travel insurance plans cover COVID-19. However, this benefit is applicable only for international travel.
6. Does family travel insurance cover individuals?
Our travel insurance plans are easily customisable, and you can choose how many family members you would like to include under one plan. If you are travelling on your own, then you can get an affordable travel insurance plan for yourself, at a premium rate of ₹40.82 per day!
7. How much does a travel medical insurance cost?
The cost of your travel medical insurance will depend on factors such as –
- Your age
- The purpose of your travel
- The type of coverage, etc.
When you buy travel medical insurance from Tata AIG, you can choose from different plans and the extent of coverage. Our travel insurance plans are affordable and start at an affordable premium rate of ₹40.82 per day for our international policies and ₹26 per day for our domestic policies.
8. Which travel health insurance is best for a family?
Tata AIG travel health insurance plans are not only affordable but also easily customisable. When you use our travel insurance calculator, you can choose any of our travel plans, add family members to the plan and ensure adequate coverage for all of them. However, our travel insurance plans offer COVID - 19 coverage only for international travel.
9. Can students take travel insurance?
Yes, we offer student travel insurance plans that cover students between the ages of 16 and 35 years and are affordable and easily customisable. Additionally, if you are unable to complete a semester abroad due to a medical emergency, the travel insurance plan will cover your tuition fees. Also, in case of a medical emergency, you can visit/be visited by your loved ones so that you do not have to be alone in sickness.
10. Which health insurance is best for international students?
As an international student, you should get our student travel insurance plan. Our student travel insurance has been designed, keeping in mind the unique educational needs of students. Our international student travel insurance not only covers COVID-19 and other medical emergencies and loss of luggage but also reimburses tuition fees in case you are compelled to leave your academics or take a long break due to a medical emergency. Additionally, you can customise the plan to cover only the days you are outside the country and not when you are in India.
11. Is travel insurance mandatory for students?
While student travel insurance is not a mandatory cover, it is always advisable and essential to have insurance coverage while travelling abroad for higher education. Having student travel insurance can save you from a lot of hassles in case of a medical emergency such as an accident or an illness. Moreover, apart from the medical emergency coverage, student travel insurance plans also cover loss of passport or baggage to ensure that you do not have to face any inconveniences while travelling for your education. Hence, irrespective of whether it is mandatory or not, you can buy a suitable student insurance plan from Tata AIG and secure yourself!
12. Can I buy travel medical insurance with a pre-existing condition?
Our travel insurance plans only make an exception for pre-existing conditions when it comes to senior citizen travel insurance plans. However, student travel insurance, domestic travel insurance, and international travel insurance do not cover pre-existing conditions.
13. Can I get travel insurance for a one-way trip?
Yes, you can get travel insurance for a one-way trip. However, your plan will have to be customised to provide coverage for the number of days you live outside the city or the country.
14. When should I start my single trip travel insurance?
You can start your single trip travel insurance a day before your trip. By using our travel insurance calculator, you can easily choose the start and the end date of your travel insurance. And if your trip is extended due to an unforeseen reason, we enable an automatic extension of 60 days so that you can enjoy the insurance coverage on your trip.
15. Should you get a single trip or annual travel insurance?
Getting a single trip or annual travel insurance will depend on your frequency of travel. If you are going on a single trip and will not be travelling again for a while, a single trip travel insurance is a good idea. However, annual travel insurance is ideal if you go on frequent tours and trips. With our travel insurance plans starting at ₹40.82 per day for our international policies and ₹26 per day for our domestic policies, you can choose really affordable insurance coverage for yourself.
16. Is travel insurance and health insurance the same?
No, travel insurance is meant to protect you against a series of situations and emergencies that includes but is not limited to medical emergencies while travelling to another city or country, whereas health insurance specifically provides coverage against medical emergencies and the resultant expenses within one’s own country.
17. Can I claim multiple travel insurance?
You can have one travel insurance for every trip you make. Therefore, you cannot file multiple travel insurance claims together.
18. Do Multi-trip travel insurance plans cover Covid?
Yes, all our international travel insurance plans offer COVID - 19 cover, be it single-trip insurance or multi-trip insurance.
19. Am I required to undergo any medical examination prior to buying a plan?
No, our travel insurance plans do not call for a mandatory medical examination before the purchase of the plan. You can instantly avail of insurance coverage and buy a suitable travel insurance plan for yourself. However, only our senior citizen travel insurance plans cover pre-existing illnesses.
20. Can I buy travel medical insurance for my aged parents?
Yes, we offer senior citizen travel insurance plans that are specifically designed for senior citizens and their needs. Our plans also cover pre-existing illnesses and so, you need not worry about insurance coverage being rejected in such a case. You can use the senior citizens’ travel insurance calculator on the Tata AIG website to choose the appropriate coverage for your parents.