While travelling, we always try new food, and no one wants to get sick during vacations. It is an uncontrollable situation, even if you have health insurance. Still, every health insurance does not cover every country or can be a situation where health insurance will not work. That is the point where Travel Health Insurance is helpful.
What is Travel Health Insurance:
Travel Medical Insurance provides emergency medical service and bears its cost, and provides emergency evacuation coverage. Suppose you are travelling and become ill, injure, or any medical condition that makes you suffer, and you are Insured by travel health insurance. In that case, the insurance company will cover on your behalf.
Forms of Travel Health Insurance:
Generally, there are two forms of travel health insurance
- Stand-alone health insurance plan
- Comprehensive travel insurance plan
Stand-alone health insurance plan:
A stand-alone health insurance plan is responsible for covering emergency medical and dental expenses. There are some exclusions as stand-alone medical plans do not cover other travel insurance coverage types, like trip cancellation insurance or baggage and personal item insurance.
Comprehensive travel insurance plan:
In addition to emergency health and dental benefits, a comprehensive plan also offers trip cancellation coverage, trip delay, and cancellation coverage, and more. This plan is best for dealing with a bunch of other problems along with health issues. It’s a whole package.
Coverage provided by travel health insurance is ideal for the following:
- International vacationers
- International business travellers
- Relatives visiting from overseas
- Students studying abroad
- People going on cruises, safaris, or guided tours
Travel Health Insurance Plan Covers:
- Routine medical examinations like vaccinations
- Weight modification as intestinal bypass surgery
- Organ or tissue transplants ( can be any organ)
- Provision of eyes glasses and contact lenses
Why do I need Travel Health Insurance:
If you travel to different countries, having other languages. There you become sick and you need high-level medication there can be a language barrier due to which you will not be able to have a proper medical checkup. There you will need Travel health insurance. Travelling unprotected can cause many problems, and paying high out-of-pocket medical expenses is one of them. Dealing with foreign health care system without required assistance can cause you a significant loss. With a travel health insurance plan, you don’t need to worry, and you can travel free with good health care.
Factors that determine the cost of Travel Health Insurance:
The cost of travel health insurance depends upon the following factor.
- Age of traveller
- Duration of trip
- Deductible, Maximum Limit, & Additional Optional Coverage
Age of Traveler:
Age factor matters a lot in the case of Travel Health Insurance. Each plan has a complete breakdown of insurance rates based on ages found in the plan brochure.
Duration of trip:
The cost of a Travel health insurance plan also depends upon the duration of the trip. Trips of short time cost less. Details can vary from company to company.
Medical expenses are different in different countries or areas of this world to provide the best coverage and cost. The insurance plan can be different for a traveller visiting expensive regions than they are for a traveller in a destination.
Deductible, Maximum Limit, & Additional Coverage:
Before customizing your plan, choose your maximum limit and additional coverages you required. Travelling abroad is exciting for everyone, but illnesses and accidents can happen. Even worse, the resulting medical bills can be alarming. A travel health insurance plan can give you coverage from unexpected incidents.
Cashless Health Treatment:
Some travel health insurance policies also provide the facility of Cashless Health treatment. It is a type of Insurance that allows policyholders and his family. To take the hospitalization facility in case of an emergency without paying a bill. This also includes some pre-medical conditions and covers the cost of it.