Ensure a worry-free trip with travel medical insurance international. Beyond typical travel insurance, it covers health-related expenses, crucial amid unforeseen circumstances like the ongoing pandemic. Costs vary based on factors such as age, destination, trip duration, desired coverage, and pre-existing conditions. Learn more about travel health insurance international in this blog.
Passport, check. VISA, check. Access to foreign currency, check. Itinerary, check. Flights – Oh wait! Did you buy travel insurance for your international trip?
Not yet?
Understandable! Usually, with all the excitement of planning a journey, we overlook the crucial aspect of safeguarding ourselves with travel insurance.
But having travel insurance for your trip, be it domestic or international, is very important. In case of unfortunate circumstances, this will ensure you have a safety net to rely on.
What is travel insurance? How is it different from travel medical insurance?
Cancellations? Delays? Lost baggage? Emergencies during travel? This is where your travel insurance comes in handy. It comprehensively covers unexpected events that may happen during your trip. So, travel insurance in India essentially serves as a safety net, offering peace of mind and financial security in case unforeseen circumstances disrupt your travel plans.
Travel medical insurance, also called travel health insurance at times, is a type of travel insurance. Primarily, it focuses on covering medical or health-related expenses incurred while travelling. It typically covers hospital stays, doctor visits, and medications.
Simply put, travel insurance encompasses a broader range of coverage, and travel medical health insurance specifically addresses healthcare needs during your journey.
Let’s now focus on travel medical insurance mainly.
Why is travel health insurance important?
The COVID-19 pandemic is one of the major reasons travel health insurance has become essential recently.
Imagine you suddenly fall sick during your trip despite all the excitement. You have an added worry about medical costs in a foreign country if not for travel medical insurance.
But, with travel health insurance for international trips, you no longer need to worry about sudden illness or medical emergencies. Your trip medical insurance covers the healthcare costs in case you fall sick during your travel.
How much does travel medical insurance cost in India?
Typically, your travel insurance in India covers travel medical insurance, too. While domestic trip medical insurance can range from ₹10 to ₹150 per day, travel medical insurance international ranges from ₹150 to ₹1000 per day.
Factors such as the destination, average medical costs there, the traveller's medical conditions, and the trip's duration play vital roles in determining the cost of travel health insurance international.
The factors affecting travel health insurance costs: Detailed discussion
The cost of your trip medical insurance depends on several factors. Let’s understand each of the major factors now.
- Age of the traveller: The age of the traveller significantly influences the cost, with older individuals generally facing higher premiums due to increased health risks.
- Destination and healthcare costs: The chosen destination plays a crucial role, as healthcare costs vary worldwide; countries with higher medical expenses may have a more expensive insurance policy.
- Trip duration: The length of the trip directly impacts the insurance cost, with longer durations often leading to higher premiums to cover potential risks over an extended period.
- Desired coverage: The extent of coverage chosen by the traveller, whether basic or comprehensive, directly affects the insurance cost, allowing customisation based on individual needs.
- Pre-existing medical conditions: The presence of pre-existing medical conditions can increase the cost, as insurers may need to provide additional coverage for potential health-related issues during the trip.
How to find affordable travel medical insurance online?
Finding affordable travel medical health insurance online has become convenient. At Generali Central, we provide trip medical insurance at competitive, affordable rates. Moreover, you can customise your plan as per your requirements. Whether you want higher or limited coverage, we have it all. Click here to get the best quote now!
Prioritising travel medical insurance ensures a safety net for unexpected events during international journeys. Be it non-medical issues like lost baggage, delays, or medical emergencies, travel health insurance comes in handy in all unforeseen scenarios.
With factors like age, destination, and coverage preferences influencing the costs, Generali Central offers affordable, customisable plans. Secure your peace of mind and financial well-being—explore trip medical insurance for a worry-free travel experience.
