Health Insurance for A Traveller: Benefits & Types of Medical Insurance

Travel insurance plans are a must-have for travellers as they safeguard you from unforeseen financial losses during your national or international trip. Generally, most travel insurance plans cover only medical expenses. However, comprehensive travel insurance plans cover flight delays, cancellation of trips, personal liability, lost passports, and more.Let’s learn about what is a travel insurance plan, its benefits, and the types of health insurance for travel .

A travel insurance plan is a type of insurance that provides financial support to the insured person in times of uncertainty during trips. Travel insurance plans offer wide coverage depending on the nature of the trip.A travel insurance plan offers covers for vacations, business trips, and even educational trips. The advantage of possessing travel insurance is it compensates for the theft of funds and passports and medical evacuation. It also comes in handy when you miss connecting flights.In times of urgent unforeseen emergencies, the travel insurance policy assists with medical repatriation, financial assistance, and more. You can be worry-free from your first flight to the stay and the return journey till you reach home. A travel insurance policy can ensure your safety during the trip.

Health insurance plans offer travellers and tourists financial aid while on vacations in India or abroad. If you are a frequent traveller, then you must consider these health insurance policies as they will keep you safe from additional unforeseen expenses during your journey.If you are planning on going on a foreign tour and want to protect yourself from additional expenses on healthcare bills during unanticipated mishaps, then you can opt for international health insurance for travel and be worry-free during your trip!Besides being beneficial for international tourists and travellers, there are more benefits you can enjoy from your travel health insurance plan. They are as follows:

• Enjoy cashless hospitalisation and services at network hospitals as mentioned in the policy document.
• These travel health insurance policies are for occasional and frequent flyers.
• These health insurance policies come with global coverage for international travellers.
• You can receive 24x7 medical assistance without spending your money.
• These health insurance policies do not require pre-policy checkups.

Your medical insurance for the travel plan can cover your medical expenses without you needing to cross your trip's budget. Owning a travel insurance plan is easy to apply and claim. The entire process is simple and hassle-free.

As the overall needs and requirements of travel are unique for all travellers, there are various types of travel health insurance policies. So, let's take a look at various plans available for you to make sure your next trip is secure.

a) Single Trip Travel Health Insurance

Irrespective of the destination of your trip - India or abroad, your single-trip travel health insurance plan will offer coverage for a single trip. The cover commences at the beginning of your journey and terminates as soon as you have arrived back home.

b) Multi-Trip Travel Health Insurance

Generally, multi-trip travel health insurance policies come with a term of one year. These travel health insurance plans offer benefits for not just one but multiple trips. The trips need to be for specific days, for example, 30 to 45 days.

c) Family Travel Health Insurance

Family travel health insurance policies cover up to 6 family members under every policy. This policy also covers both national and international trips so you don't have to worry about the place you want to travel to. You can share all the medical benefits with your family and be worry-free.

d) Student Travel Health Insurance

If you want to go abroad to study, then you must make sure to be covered for medical emergencies and illnesses that might require hospitalisation. The travel health insurance policy for students will be enough to cover tuition fees and family visits.

e) Senior Citizen Travel Health Insurance

If you want to visit your children who are residing abroad or simply taking a vacation, then you can have all your medical needs taken care of by this insurance policy. Besides covering unanticipated medical costs, these health insurance policies also cover emergency medical evacuation and repatriation of remains.Now that you know what a travel health insurance plan is, its benefits, and its types, remember to get the best travel health insurance plan that covers all your needs and requirements the next time you go on a vacation in India or abroad. You and your family can now travel without any worries!

The information contained herein is generic in nature and is meant for educational purposes only. Nothing here is to be construed as an investment or financial or taxation advice nor to be considered as an invitation or solicitation or advertisement for any financial product. Readers are advised to exercise discretion and should seek independent professional advice prior to making any investment decision in relation to any financial product. Aditya Birla Capital Group is not liable for any decision arising out of the use of this information.