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Senior Citizen Travel Insurance
Travelling abroad to a foreign land entails a lot of risk. Medical expenses in foreign
currency and hospitalization can be prohibitively expensive. Senior Citizens travel
policy covers you for all medical eventualities for just a fraction of the amount
you would otherwise need.
Travelling is probably among one of the activities where age does not matter. Many
people, irrespective of what age-group they belong to, love travelling. In fact,
it has been observed that many people plan a foreign trip post their retirement
either for a vacation or visiting a family member. While there is no restriction
or rule of cherishing a foreign trip because of old age, one thing that should not
be ignored is travel insurance. As many would agree that older people are more exposed
to medical emergency like situations, it is very more important that while they
are planning a foreign trip, they should not forget to buy travel insurance for
By basic nature a senior citizen travel insurance may act like a lifeline in the
hour of need. It would provide the insured with sufficient financial assistance
so that he/she could avail best possible medical treatment in event of an emergency.
Even from cost perspective, a senior citizen travel insurance isn’t very expensive.
There are many general insurance companies who provide best benefits under cheap
travel insurance for senior citizens. Some of the basic things covered under senior
citizen travel insurance are:
- Medical emergency
- Personal accidents
- Loss of passport and/or checked-in luggage
While the chances of occurrence of the above mentioned factors might seem less or
even negligible, the yet they cannot be ignored completely. Anyone who is travelling
is exposed to some or the other kind of risks. In case of senior citizens the risks
are higher and probability of occurrences of these risks is more. Therefore, Thus,
when on a foreign trip, a senior citizen must have travel insurance.
How to select the best Senior Citizen Travel Plan?
This will depend upon your health and budget. We always advise higher sum assurance
(100K and Above) for USA as medical cost is very high.
If you are suffering from any pre-existing conditions like Diabetes, High BP, Heart
disease etc, select the plan which provides pre-existing coverage. Most of the travel
insurance plans exclude pre-existing conditions but some plans do provide limited
coverage in case of life-threatening situations
Many Travel insurance plans are available with no medical tests. Plans with medical
tests always offer better coverage and less claim disputes. If you are travelling
for long duration, its always advisable to undergo medical tests. This provide good
opportunity for medical check up and assurance before the trip.
Trip Delay, Cancellation and Curtailment
Select the plans which covers Trip Delay, Cancellation and Curtailment. This can
help for some financial loss which can happen in case of delay, Cancellation or
Curtailment of trip for reasons beyond your control.
Avoid plans with Per Illness/Accident Restriction
Many plans for over 60 years old persons, have per illness/accident limit. Avoid
the plans with these restrictions. Suppose you have purchased the plan with sum
assured of 50K with 10K per illness restriction. In this case you will be able to
claim only 10K per illness even though you will be under the impression you have
insurance cover for 50K.
If you are visiting for long time and there is no one back home to take care of
home building and content. It's better to buy plan that offers coverage for Burglary
and protection of building.
Most of Insurance company will not renew the policy if there is any claim in the
Policy period. It's good idea to buy the policy with maximum expected trip duration
and if you expect the stay to be extended buy the policy which is renewable.
Plan Premium is based upon your destination, Coverage Amount, Age of insured and
benefits it offers. Though all of us love to save money, but low insurance premium
shouldn't be your only factor in making decision. At the same time high insurance
premium also doesn't mean higher benefits. If you don't have time to read the whole
policy wording, spare some time in reading the exclusions and benefits which are
most interest to you.
General Physical Checkup, pre-existing conditions, Vision (Eye Test, Eye Glasses,
and Contact Lens), Pregnancy and Prenatal Care is not covered by any of the Plan.
Besides these, there could be other exclusions which are mentioned in the policy
In order to make a claim, you need to contact the Insurer or Third Party Administrator
(TPA) of the Insurance Company, which has tie-ups with network hospitals worldwide.
TPA information is provided in the Insurance policy.
So Compare and buy the best travel insurance plan for senior citizens now from Bimadirect.com.
Abiding by our belief in consumer empowerment, we have partnered with all major
General Insurance companies in India to bring their products on a single platform
enabling comparison and informed decision making.