Who doesn’t likes travelling abroad? Well, everybody does; which is the reason why people spend a big part of their savings on these trips. But, abroad travelling is not always about fun and leisure; it can be for business purpose too. Regardless the purpose behind, it is important to pay attention to the aspect of safety. When you visit another country, you have to be extra careful with everything. However, things can still go wrong, and in such cases, a health insurance can prove to be a saviour for you.
Accident or even a minor sickness on a foreign land can turn into a major issue for you. The medical expenses in such cases can often make a big hole in your wallet. Plus, if you fall short of cash, and there is no one to help with that, things will get more complicated for you. This is the reason why travel health insurance has become so necessary in today’s times. Many people in India these days have started giving importance to the beneficial aspects of travel health insurance policies. Let us provide you with some more information in this regard.
Why travel health insurance is so useful?
Travel health insurance can be your best companion during an international trip. It provides you protection against a wide range of health risks and even accidents. Once you equip yourself with an effective health insurance policy, you will definitely feel safer and more relaxed when travelling abroad; even when you are travelling alone. If you compare the premium amount of your travel health insurance policy with your overall travel expenses, you will find the premium to be only a small part of it. But, the benefits you reap in return are in huge numbers.
The maximum sum assured offered by the insurance companies is sufficient enough to provide you the best medical facilities even on a foreign land. Most importantly, you will not have to worry about the finances. The insurance policy will take care of everything. It will cover all sorts of medical expenses as soon as your journey begins. To be more specific, these policies cover the following situations-
- Emergency medical care
- Surgery and dental expenses
- Expenses for hospitalization and prescription drugs
- Expenses for the treatment in case of accidents
In addition to them, there are many more aspects that these policies cover. You can get additional coverage by opting for various add-ons. Some of the most widely sought after add-ons are as follows:
- Emergency medical evacuation- In some cases, it becomes necessary to take the patient to his/her country on emergency basis. In such cases, arranging an emergency evacuation can be quite expensive. This is the reason why one should buy a travel health insurance policy which covers these expenses too.
- Legal assistance- Accidents can happen even when you are in some other country. Road accidents, fire related accidents, and other such cases often turn into a legal case. So, as a victim you must get the assistance of an attorney who can provide you the best compensation for your loss. Likewise, there could be other cases too where you might need legal help for health reasons. In such cases, your travel health insurance policy can prove to be your saviour.
- Repatriation- Life can be quite harsh at times. Untimely or sudden death of our loved ones is something that can be very painful and shocking. When someone dies in a foreign country, mainly due to health issue or an accident, his/her family members try every possible way to bring back the body to their country. But, this process is usually quite expensive. However, if the deceased was covered by a travel health insurance policy then his/her family members will not have to worry about these things. Repatriation in case of death resulting from illness or accident is one of the major beneficial aspects of these policies.
In addition to them, there are many more benefits of buying a travel health insurance policy. A lot of insurance companies club the benefits of a travel insurance policy and a health insurance cover into one single package. So, in such cases, even your personal belongings, air ticket cancellations, hotel accommodation cancellations, etc. gets covered under the insurance policy.
Without any doubt, having an overseas health insurance policy in today’s times is quite vital, particularly if the traveller is above the age of 45. These policies keep you away from the hassles of dealing with funds. You or your family members do not have to worry about the medical expenses. In this way, exploring a new country and its beautiful aspects in a relax state-of-mind provides you a much better experience. So, next time when you are about to travel abroad, equip yourself with an effective insurance policy.
