Travelling is the best recreational activity as it offers some of best experiences and memories that you can cherish throughout your lifetime. But there goes a lot to make your travel safer and worry free. getting sick on a trip can be the worst experience and medical emergencies while travelling can be even worse. Wishing throughout your trip for the safety can be one option but that does not guarantee anything. There has to be a work around that ensures that there is someone at your back who will be at immediate help in case of medical emergencies while you are on your trip. Well luckily there is one way which is Medical travel insurance policy.
Today, we are going to discuss about the Medical travel insurance policies and cover aspects like what it actually is, how to compare Travel Insurance Plans, then we will list out the benefits of buying one. You should be prepared for the worst for everything in your life and that applies for travel too. Medical travel plans takes care of you in case you happen to meet a medical emergency on your trip by providing you best possible help whether it is hospitalizing you to the nearest hospital or relocating you to your home town.
What is Travel Medical Insurance?
Travel Medical insurance plans is a type of insurance that provides you cover for emergency medical situations and medical expenses incurred while you are on your trip.
This definition is pretty straight forward but some of you probably be having some questions unanswered and that is why we would like answer 2 most common of them.
I. No, your health insurance policy is not same as the Travel medical insurance plan. Your health insurance plan will probably not cover you beyond your country borders and this is travel insurance plans are better. So, you should better compare travel insurance plan with your health insurance plan to check if the latter one provides the benefits of the former.
II. Now for the claims. Your domestic health insurance plan will provide you the claim first and then the remaining expenses will be beard upon by the travel medical insurance plan like evacuation.
You cannot wait for your family to arrive for help when you meet an emergency while travelling, so, therefore having a Travel Medical insurance is a better option. Apart from this, below we have listed some of the benefits of Travel medical insurance plans.
You may like to read : Here’s why should you Buy Travel Insurance in Advance?
Benefits of Travel medical insurance plans
1. Emergency Medical Evacuation
Many Travel destinations are remote areas where medical assistance in case of emergency is not quite possible and there steps in your Travel medical insurance plan which covers for these emergency evacuations. In case you get stuck due to medical emergency then initially you will be taken to the nearest hospital facility but if that place lacks the expertise required for your treatment then you will be transported to the better hospital. Cost of both these transportations is covered by the travel medical insurance plan.
2. Coverage for Death
As we said earlier in this article that you need to be prepared for the worst while travelling and therefore the worst that can take place is death. If unfortunately, a case of death occurs while you are travelling, then these travel medical insurance plans cover the services like transportation of the body to home town and if that is not possible, then cost coverage for performing of cremation at the nearby vicinity is provided.
If you compare travel insurance plans properly, then you will come to know that some plans even include Accidental Death and reimbursement benefits i.e. in case of death, a predetermined amount will be paid to your beneficiary without any regards to any domestic coverage.
3. Cost Benefits
Well, we have put it earlier but if in case you are still thinking that your health insurance policy is enough to cover you on your trip, you are going wrong. Let us assume that you have enough sum assured in your health plan and you are travelling to US and you happen to require medical services. Your sum assured might not be enough to cover your total expenses because of the strength of dollar in comparison to rupee.
Furthermore, travel medical plans are cheaper than the trip cancellation insurance plans because you can buy the former on per day basis which is way less than the trip cancellation insurance which can cost you upto 10% of your entire trip budget.
4. Services of Travel Assistance
These are the supplementary benefits of travel medical insurance plans where you get travel assistance services like tracking the lost luggage, travel documents and lost passport. Further services include getting trip alerts and warnings, 24X7 customer assistance and emergency cash transfer.
Even in case of travel delay and lost luggage these plans provide you coverage benefits. All you have to do is compare travel insurance plans carefully to get one with most of these services included.
How to buy travel medical insurance plans?
You can for it in two ways which are listed below:
1. Compare travel insurance pans from all the companies and buy it online.
2. Otherwise you can compare these plans from different companies and buy it directly from the company.
Either way you have to compare travel insurance plans carefully and thoroughly and arrive at a wise and optimum choice according to travel destination, vacation duration and the age of all the people travelling.
Summary
At last I would like to clear the fact that we are not trying to attract you for buying a travel insurance plan. What we actually are trying to do is making you understand that travel medical insurance is not a choice, it is a necessity which you should not ignore because it might not be in your hands to control the unforeseen emergencies but you can be always be prepared and travel medical insurance policy is the best way to be prepared for the worst while travelling.
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