Travelling to foreign destinations allows you to explore new cultures, people and destinations. However, travelling can become challenging for those who are suffering from health conditions.
For example, with a senior citizen travel insurance plan, older people with health conditions can secure their trip against various medical emergencies. In the same way, frequent travellers can also purchase travel insurance with medical coverage to safeguard their trip.
In this guide, we will explore how travellers with health conditions can explore foreign destinations with travel medical insurance.
Table of Contents
Tips for Travellers with Health Conditions
Choose a Suitable Destination
The crucial step while planning an international trip is choosing the destination wisely. Instead of picking a destination in haste, always research the country you are visiting to see if it suits your health requirements. If the country’s weather or food doesn’t match your medical condition, it may be best to consider a different destination
Plan Itinerary Well
The next tip is to plan itineraries well according to health requirements and medical attention. The itinerary should be detailed, mentioning the destination’s whereabouts and medical needs. It should also have details about the places you will be visiting.
Book Accessible Hotels
Another essential travel tip for people with health conditions is to make a booking of reputable and accessible hotels. It would be best to go with a hotel that has a good rating and all the facilities, such as an elevator, good food, air conditioning, etc. Unhygienic living conditions can contribute to a deterioration in physical health.
Plan Route Wisely
One important thing while travelling abroad is choosing the route wisely. Public buses and trains are easily accessible, but ensure that you have all emergency medical supplies with you. If you are travelling via road, pick a route that has access to departmental or medical facilities if a medical emergency occurs.
Keep Essential Medical Supplies
Individuals with health conditions need to have all the essential medical supplies with them all the time. Not just this, if you have a medical document or prescription, carry it with you all the times while exploring a foreign country.
Have Travel Medical Insurance
Lastly, having a travel health insurance plan is crucial for individuals with health conditions. An international travel medical insurance plan will cover unanticipated medical emergencies in foreign countries. This way, you are covered for a broader range of medical crises.
Moreover, it is also important to mention the fact that you have a pre-existing medical condition to the insurance provider, so you are offered a suitable travel medical policy that will cover your health condition.
Importance of Having a Travel Health Insurance Plan
Many countries have made travel insurance with medical coverage a necessary requirement for entry. This is due to high medical care costs in particular destinations. Besides this, with a travel insurance policy, travellers can enjoy their vacation without worrying about any emergencies.
- A travel insurance policy provides coverage for baggage loss in a foreign country.
- It also offers travel assistance to travellers in case of emergencies like theft or flight cancellations.
- It will cover medical emergencies arising out of unexpected accidents or insured events.
- Travel insurance also covers repatriation in case of accidental death in foreign countries.
Things to Keep in Mind While Purchasing Travel Insurance Medical Coverage
While purchasing travel insurance with medical coverage, there are some pointers to keep in mind.
Coverage: The very first thing to look for while choosing a travel insurance policy is coverage. Check if the plan covers your health condition. It is best to go with a plan that has vast coverage as per your needs.
Claim Process: Another thing to pay attention to while choosing a travel policy is the insurance provider’s claim procedure. If the procedure is too lengthy and complex, the plan is not worth the investment. Choose a company like Tata AIG with a high claim settlement ratio and an easy online claim procedure.
Riders: Another thing to look for is if the plan includes add-ons or riders. Depending on the individual’s various needs, insurance companies also offer optional riders to customers. These riders are additional coverage that can enhance the travel insurance plan coverage.
Cost-effective Premiums: Lastly, it is best to go with an insurance company that offers a cost-effective premium. If the plan meets your requirements and is budget-friendly, then it is worth investing in.
Conclusion
Planning an international trip can be overwhelming. This becomes more challenging if an individual has a health condition. However, individuals can secure their upcoming foreign trip.
This can be done with thorough research on their travel destination and the amenities available to them and also by investing in a good travel insurance medical plan from reputed insurance providers recognised by immigration authorities and the IRDAI.