Travelling is a rejuvenating experience, mainly if you take a vacation abroad. However, travelling has its share of drawbacks, just like any change. Common colds and coughs can result from a change in diet, the environment, or exhaustion brought on by travel, or you could get seriously ill or hurt. Receiving medical attention abroad or being hospitalised during such trying times can drain your finances. That’s when buying travel insurance before you leave on your trip can act as a precaution. This will enable you to travel without stress by helping you pay for necessary medical expenses. It should be noted that travel medical insurance and regular health insurance do not apply to international travel. Keep reading to learn more in-depth information about Bajaj Allianz international travel insurance.
According to your policy’s limits, travel medical insurance would cover the cost of any injuries or urgent medical care. You’ll discover that most domestic health insurance plans do not apply abroad, necessitating the purchase of separate travel medical insurance. This insurance would only be in effect while you were travelling. *
Medical Insurance Coverage For International Travel
The following emergency medical services are covered by travel health insurance:
- Broken bones
- Chest pain
- Stroke
- Dental emergency procedures
- Health evacuations
- Urgent transportation
- Urgent reunification
- Service for ambulances
- Consultation fees for doctors
- Medical facility and operating room fees
- Exams, treatments, lab tests, X-rays, and anesthesia
- Medicines and drugs
- Emergency medical evacuation or plans to return the patient to their country of residence
There Are Two Types Of International Health Insurance
- Standalone plan for health insurance abroad: It covers any unexpected costs you might incur for emergency medical and dental care while travelling. There won’t be any additional costs for online travel insurance. Medical emergencies such as a sprained ankle, fracture, injury, etc., while sightseeing are covered by travel medical insurance. It won’t cover routine medical procedures or non-emergency problems.
- Comprehensive flight insurance cover: A thorough travel insurance online package plan offers coverage for trip cancellation, delay, emergency medical evacuation, baggage loss, etc., and emergency medical benefits.
You can purchase travel medical insurance as primary or secondary protection, depending on your needs. No matter what other health insurance you may have, it will cover the costs if it is the primary coverage. If you already have health insurance and decide to purchase travel medical insurance as a secondary form of protection, you must first file a claim with your primary health insurance. The remaining sum is recoverable from the secondary cover. Claims are subject to terms and conditions set forth under the travel insurance policy dataromas.
Due to a lack of other insurance, secondary travel medical insurance will take precedence if you visit a country where your domestic or primary health insurance is not accepted. Be sure to understand the evacuation procedures outlined in the policy during a medical emergency. You can manage your insurance using a traveller’s insurance app.
Get insured anytime, anywhere! Check out the Bajaj Allianz General Insurance website to learn more and download the app now.
*Standard T&C Apply
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.
