Most of the time, disaster is not planned, and a small disaster may occur and spoil what would have been a great holiday. Don’t let your worst nightmare come to life the next time you travel; get a good Travel medical insurance plan, and you will definitely have some peace of mind.
What is Travel Insurance?
In a world that is getting smaller by the day, travel insurance solutions assist in alleviating monetary woes in the event of an unfortunate occurrence while on the road. Although these plans are generally aimed at covering the traveller for delayed or cancelled flights and lost baggage, more and more of the wise traveller is also making sure that medical cover is also provided in the Travel plans.
Why do I need health coverage in my Travel Insurance?
There are multiple reasons for this, including:There are multiple reasons for this, including:
Your domestic health insurance policy may not be valid internationally.
Trip insurance is primarily a coverage for travel related issues such as lost baggage or cancellation, and offers very limited medical emergency coverage.
Trip insurance is usually for a short duration while you may need more coverage for a longer period.
In the case of the adventure seeker, the accidents or the sudden medical emergencies may be inherent in the sport or the activity that the person is participating in such as mountaineering, skiing, surfing among others.
What is included in medical treatment?
Travel insurance usually covers the following medical options:Travel insurance usually covers the following medical options:
Medical crises – Crises for you or your close ones when an accident has occurred and medical intervention is needed.
Evacuation/Transportation to the nearest health facility – This is the use of air lifts or an ambulance to transport the patient to the nearest health facility where treatment can be offered.
Short term medical or dental treatment – An illness such as food poisoning, or infections that may warrant hospitalization for a few days.
Accidental death – Taking the body back home or to the nearest funeral home. Family members’ life insurance benefits.
Disability – This is the coverage for any temporary or permanent disability that the patient may develop during the travel that may affect his or her quality of life.
Benefits of health coverage:
- Ideas often involve travel assistance services that are available round the clock to help in the identification of the nearest medical facilities.
- Use of cashless facilities in the network hospitals
- Transportation of a family or friend to come and visit you in case of hospitalization.
- Doctor and hospital recommendations
Remember:
While going for travel insurance with health cover, it is very important to declare all the pre-existing health conditions. Failing to do so may lead to you being locked out of complete coverage.
Most insurance carriers are willing to offer insurance to these pre-existing conditions at an extra cost. It is always better to be safe than sorry and having a medical cover in your travel plan is definitely the only way to make travelling a little less of a hassle.