Who wouldn’t love to travel the world? Travelling is fun and adventurous. It allows you to explore new cultures, destinations, and cuisines, and provide a break from your monotonous routine.
When planning a vacation or getaway, the first thing you do is book your tickets and accommodations and create an itinerary, but you often overlook the importance of travel insurance. Travel insurance for traveling abroad covers unexpected events such as trip cancellations, flight delays, lost luggage, and medical emergencies. Given the uncertainty of life, travel insurance for health is a must.
Let’s discuss travel insurance for health, its coverage, and the top travel insurance companies for health coverage.
Understanding Travel Insurance for Health
Imagine getting sick while on vacation and having to pay for all the expenses by yourself. Sounds stressful and expensive, right? What if there was a way to receive cashless treatments around the world? Does that sound amazing? Read ahead to know how you can get cashless treatments when you fall sick or meet with an accident during your journey.
Medical emergencies can happen to anyone at any time hence, it’s important to be prepared for them. Consider travel insurance as your safety net. It provides financial protection against unexpected medical emergencies you might face during your journey.
Why Do You Need Travel Insurance for Health?
Healthcare in foreign countries can be expensive; even a simple consultation visit can cost thousands of rupees. Travel insurance can save you from exorbitant medical expenses abroad and prevent you from being financially burdened. It also ensures that you receive quality treatments when needed.
Several other reasons why travel insurance for health is necessary are listed below:
High Medical Costs
Due to advancements in the healthcare industry, medical expenses are skyrocketing. Healthcare costs vary across the globe. You may find it difficult and costly to bear medical expenses on your own. As a result, having a travel insurance policy is essential because it can protect you from high medical expenses by covering them for you.
Medical Emergencies
A medical emergency can occur at any time. Travel medical insurance provides coverage for transporting you to a medical facility in the event of an unexpected accident, as well as emergency evacuation. Evacuation is transporting you back to your home country if you do not receive adequate medical assistance.
Assistance
It can be difficult to find a reputable and trustworthy healthcare facility in another country. Travel medical insurance plans offer you 24/7 assistance. They assist you in finding a reputable healthcare facility, coordinating with them, and making all necessary arrangements.
Peace of Mind
Knowing that you are covered for health issues gives you peace of mind. Travel insurance enables you to focus on your journey and enjoy it to the fullest.
Top Travel Insurance Companies That Provide Health Coverage
Several travel insurance companies offer coverage for health-related issues. If you are planning your trip, then you can consider the following insurance companies:
Niva Bupa Travel Insurance
Niva Bupa offers the following benefits:
- Medical Coverage: If you fall ill and need medical assistance, the insurer will cover your medical expenses. The coverage includes room rents, treatments, surgeries, diagnostic tests, and more.
- Coverage for lost luggage: If you lose your luggage or, for instance, airline authorities lose your luggage during the check-in process, your insurer will compensate you for the loss.
- Coverage for delayed flights: if your flight is delayed due to bad weather conditions such as fog or thunderstorms, then your insurer will provide coverage for that.
- Emergency Assistance: transporting you to the medical facility or evacuating you back to your home country can be expensive. Your insurers offer coverage for that.
Bajaj Allianz Travel Insurance
- It provides International medical coverage across various countries
- Covers hospitalisation claims for COVID-19
- If your house gets burgled while you are travelling, then the insurer will provide coverage for that
- It provides compensation in case of the insured’s death or permanent disability
ICICI Lombard Travel Insurance
- ICICI provides coverage for third-party liability
- If you lose your luggage during your journey, ICICI will provide coverage
- If all your cash is stolen, it provides emergency cash
- In case you fall sick during your journey, it will provide medical coverage
HDFC ERGO Travel Insurance
- HDFC offers 24/7 assistance, which helps maintain good relationships with customers
- Provides compensation to you in case you lose your luggage
- It offers coverage for flight delays and baggage
- It provides emergency assistance in the evacuation process
Wrapping Up
Advancements in the healthcare industry are resulting in high medical costs. Health coverage is an important factor to look for in travel insurance companies. It provides peace of mind by covering medical expenses such as treatments, prescription drugs, surgeries, and more, as well as assisting with the evacuation process.
If you’re looking for a travel insurance company that provides health coverage as well as other benefits such as coverage for lost passports, cashless claims for medical expenses, and compensation for other covered incidents, consider Niva Bupa Travel Insurance. They offer specific plans for different countries, such as travel insurance for USA, Canada, and others. It is also known as the “Most Trusted Insurance Provider” by more than one crore satisfied customers.
Choose Niva Bupa as your travel partner and enjoy the benefits of a comprehensive plan.
