When travelling internationally, travel medical insurance is an essential tool that financially protects you and your fellow travellers from any unexpected risks, such as an illness or injury while on the trip.
Having medical emergency coverage when travelling is essential, especially internationally, as your domestic health insurance might not extend to the country you are travelling to, resulting in financial loss.
<p>In this article, we will explore what travel medical insurance is, its coverage, the specific benefits that are a part of medical emergency coverage, and its importance. </p>
What Is Travel Medical Insurance?
Travel medical insurance is an extension to health insurance and offers specifically health-related coverages when travelling internationally. This is, however, limited in scope and extent, and it is thus preferred to opt for a comprehensive travel insurance plan that offers protection from a much wider range of risks than just health-related ones.
Not only does a comprehensive travel insurance plan cover medical emergencies, but it also offers financial protection from risks such as losing checked-in baggage, personal accident, personal liability, trip cancellation, and more.
When travelling internationally, many risks are heightened, which can result in significant financial loss or harm your travel experience, and buying insurance is a way to protect yourself and your loved ones from these heightened risks.
What Are The Coverages Offered Under Travel Insurance?
As a traveller, there are dozens of insurers to choose from, each offering numerous plans to protect you from common and specialised risks you might be exposed to when travelling. Let us look at a few coverages provided under travel insurance.
1. Lost checked-in baggage
Baggage mishandling is one of the most common issues a traveller can face. It is surprisingly common, and it is necessary to have this coverage whenever travelling.
2. Trip delay, cancellation, interruption
Having your trip cancelled, delayed, or interrupted due to no fault of your own can result in a negative experience and financial loss. So this is another essential coverage insurers offer to travellers.
3. Missed connecting flight
Missing a connecting flight due to the delayed arrival of a common carrier is also offered as coverage under travel insurance.
4. Medical emergency
This coverage protects you from having to bear the expenses of getting treated in a foreign country and, in some instances, also ensures you will get the treatment in the first place.
5. Loss of passport
Losing your passport, the only universally accepted proof of identity can be daunting, and this coverage offers financial protection and respite for the re-issuance of your passport overseas or in India.
What Are The Benefits Of Medical Emergency Coverage?
A medical emergency is an umbrella term for various medical challenges a traveller might face. Whether it is injury or illness, having coverage for medical emergencies offers many benefits.
- Emergency in-patient care- room charges, treatment charges, procedure charges
- Emergency out-patient care- treatment charges, procedure charges
- Medical evacuation due to inadequate or improper care
- Hospital daily cash
Conclusion
While both travel medical insurance and comprehensive travel insurance offer protection when travelling, the latter offers many additional coverages along with the ones offered by travel medical insurance international. With travel insurance from Niva Bupa, you can protect your health and your pockets when travelling internationally.
