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*Price shown is for a 30 day trip to Thailand with 1 lakh dollar coverage for an adult of age 25 years
Every time you plan a trip, it is highly likely that you carry some extra cash or other things in case of an emergency. But what most people forget is that there is something that can help them better than anything else- travel medical insurance. Keep reading to know more about this amazing facility!
Especially for trips abroad, there's no other thing as good as travel health insurance in case you find your health and convenience in a crisis. It is one of the most important requirements of almost every international vacation since many countries have mandatory travel health insurance requirements.
Even when it is not necessary, this insurance will protect you with a wide coverage against many medical conditions and help you pay for their treatment while you're traveling. This will save you from depleting your emergency funds or any excessive money; there won’t be a need to cut your trip short or take drastic measures to deal with your situation.
No matter where you go, there's no guarantee that unforeseen incidents won't happen to you. In such cases, your right bet is overseas travel health insurance which will help you be prepared for any emergency medical expenses. From accidental injuries to urgent medical evacuation, you and your family will be covered for any contingencies while you're traveling in a foreign place. Here are some of the key benefits of your overseas travel insurance:
Many plans offer you coverage against loss of personal belongings like checked-in baggage, your passport, wallet, important travel documents, and more. To prevent your additional expenses, your insurer offers some limited funds which you can use for these emergencies. For example, in case of baggage loss, you will be covered for the amount you spent on medicines, toiletries, and other necessities.
While on a vacation abroad, losing your passport will disturb your entire trip as it is a mandatory document that all foreign tourists need to carry to get past the authorities. Replacing it is both tiring and expensive. Your travel plan will help you by assisting you during this process as well as reimbursing you for the expenses you incurred while getting a duplicate. However, be aware of any deductibles that you will need to pay for.Â
This is the key reason behind any travel insurance purchase. The most dreaded thing especially while you're away from your home is being sick or worse. To top that, you will have to pay higher prices in developed countries which may completely topple our budget and increase our sufferings. With overseas travel insurance, you can be reimbursed for many medical emergencies like dental treatment, bodily injuries, hospitalization, and more. What is more, these can be availed through cashless hospitalization facilities that most companies offer.Â
This is one of the most important benefits offered by your policy. Personal liability means any legal damages that you need to pay another person (third-party) because you were responsible for that damage or harm. These can be pretty hefty and your plan will help you pay for it as per the specified limit. Â Â Â Â
Many plans offer comprehensive benefits that also offer compensation in case of changes in your trip itinerary. These changes can be because of flight cancellation or delays, your own health issues, cancellation by your airline or hotel bookings. If any of these happen, your policy will compensate you for the losses or additional expenses you incur. Many plans even offer some relief in case of trip interruption or curtailment.
These are only a few of the advantages offered by your travel health insurance. Depending on your insurer, you will have options to select your plans and the coverage they offer.
Now that you’ve learned about a travel plan’s benefits, how should you go about finding travel insurance plan? Here are some important points to keep in mind before you make your purchase:
Wrapping it up,
Your trip is incomplete without a proper safeguard against any inconvenience which can disturb your budget. Not only do they have the potential to ruin any trip but also leave a huge dent in any middle-class person’s budget. The emotional and mental load it brings is another matter. The least you can do is put some money aside for a nominal premium while you’re budgeting the trip. This way, if anything does happen, let your insurer help you with any financial burdens that will come your way.
STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms, and conditions, please read the sales brochure carefully before concluding a sale.
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*Price shown is for a 30 day trip to Thailand with 1 lakh dollar coverage for an adult of age 25 years