Many people decide every year to migrate overseas to find more desirable employment prospects and improved quality of life. However, despite wanting to maintain their roots in India, their parents strongly desire to go outside the country & reconnect with family and friends.
Because of the increased risk of illness, insurance companies have been hesitant to give senior citizens travel insurance until recently.
Today, let us better understand the nitty-gritty details of domestic travel insurance.
1. Coverage And Special Features Come In First
What differentiates conventional domestic travel insurance policies from senior insurance plans can be the coverage provided to the senior. Coverage for senior citizens begins at age 71 and continues up to about 80 years of age with senior citizen travel plans. *
Some important aspects of coverage when it comes to old citizen travel insurance:
- Certainty of one’s demise
- Treatment Via Medicine
- Homeowner’s Insurance to Protect Indian Residences from Burglars
- Compassionate Visit Medical Evacuation
- Return of the Remains of the Deceased
- Personal Accident
- Emergency Cash
- Personal Liability
2. The Market For These Kinds Of Programs In India
Leading general insurers in India offer a Travel insurance quote for customers over the age of 70. You may also find a premium calculator on the website with which you can determine the cost of your policy depending on factors like your age, the type of visa you hold, the time duration you want to stay in the country, and so on.
The majority of the various types of travel insurance policies available in India do, however, come with some prerequisites, such as the insured person being required to be a resident of India & to be present in person in India at the time of the application for this policy; the cover duration may be limited to a maximum of 180 days; the need for medical tests; and so on.*
3. Premium
The amount of the sum assured chosen, the length of stay, and the location of travel primarily determine the cost of the premium. Examining the cost before purchasing the plan may be essential because there can be a significant difference between the two. You don’t need to do a medical test if you want to purchase the policy until you turn 85[S2] years old, and you may take advantage of cashless medical services anywhere in the globe with the opportunity to extend your policy online.*
4. Delay Times, Lower Limits, And Exceptions To The Rule
Medical care, delay of checked-in baggage, and hospital cash allowance may be subject to the application of deductibles. In addition, some sub-limits apply within the overall sum assured. Coverage restrictions, pre-existing conditions and extreme sports may typically not be covered by insurance policies.*
Therefore, before your parents or other relatives travel to meet you in a foreign country, you should ensure that you have taken out the appropriate elders’ travel insurance online to protect them against any troubles that may arise.
Travel insurance for senior citizens offers essential peace of mind during their journeys. These plans, designed with the unique needs of older travellers in mind, provide comprehensive coverage for various travel-related contingencies. It’s important for senior travellers to carefully assess their specific requirements and review policy terms and limitations to ensure they have adequate protection. In essence, senior citizen travel insurance plans enable older individuals to travel with confidence, knowing they have reliable coverage tailored to their age-related needs.
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* Standard T&C Apply
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, & conditions, please read the sales brochure/policy wording carefully before concluding a sale.
