What is Travel Medical Insurance- Coverage, Working & More

Did you know that travelling to a Schengen country requires you to have travel medical insurance with a minimum coverage of €30,000? This is because it acts as your silent safety net. It protects you from any unexpected medical costs in a foreign land and ensures you get the right care without draining your savings.

Whether it is a sudden illness, an accident, or even a medical evacuation, your insurance comes to your rescue. This blog will exactly answer your question of what is travel medical insurance and how it works.

What Does Travel Medical Insurance Mean?

Travel medical insurance is a travel insurance package that provides you with medical coverage on your trip. This is an excellent option for you if you plan on going for a trip and:

a) Your regular health insurance does not provide international coverage, or

b) You do not have any health insurance.

Working of Travel Medical Insurance

Now that you know what is travel medical insurance and why you need it, let us understand how it works.

1. You need to buy the policy before you travel by selecting your destination, trip dates, and type of cover.

2. Once purchased, you will receive policy documents and emergency contact details, which you should keep handy throughout your journey.

3. If you fall sick or get injured abroad, you can call the insurer’s helpline, and they will direct you to a nearby hospital for treatment.

4. If the hospital is within the insurer’s network, your treatment can be cashless; otherwise, you can pay first and claim reimbursement later with valid medical bills and reports.

Planning your next trip? Stay worry-free with Bajaj General Travel Insurance. With just a few clicks, get comprehensive medical coverage, 24x7 global assistance, and cashless treatment in top hospitals worldwide.

Why Do You Need Travel Medical Insurance? -Its Benefits

Imagine you are finally going to take your dream vacation to Switzerland. After all of the hassle to get time off from work, finally, it is the moment you will be free. But unfortunately, on the third day, while skiing in the Alps, you slip and fracture your leg. The ambulance ride alone costs ₹1.2 lakh, and the three-day hospital stay racks up bills worth ₹4.5 lakh.

In this situation, without travel medical insurance, you would have had to pay it all out of pocket. But thankfully, you have your travel medical insurance to rescue you out of this huge financial mess, and you do not have to worry about those bills.

High medical costs, sudden emergencies, or even medical evacuation can turn a fun trip into a stressful experience. Travel medical insurance ensures that these situations are handled smoothly, letting you focus on enjoying your journey instead of worrying about medical expenses.

What is Travel Medical Insurance Coverage?

Inclusions

When you purchase a travel insurance plan from Bjaja General Insurance, the following are what get covered in your policy:

1. Personal Accident Cover: It will provide you with financial protection in case of death, permanent total disability, or partial disability resulting from an accident while travelling.

2. Medical Treatment & Evacuation Expenses Cover: It covers medical costs for illness or injury during the trip, including hospitalisation, emergency treatment, dental care, and medical evacuation to India.

3. Sporting Activities Cover: If you opt for this coverage, then it will provide you with protection for medical expenses arising from injuries sustained during adventure or semi-professional sports activities.

Exclusions

The following are a few situations where the travel insurance policy from Bajaj General Insurance does not cover:

1. Pre-existing Condition: Any illness, injury, or disability that existed before the policy start date is generally excluded.

2. War and Related Perils: Insurers do not provide coverage for injuries or death due to war, civil unrest, or acts of terrorism.

3. Self-Inflicted Injuries: Your injuries will not be covered if they are caused by intentional self-harm or attempted suicide.

What is Travel Health Insurance and How is it Different from Travel Medical Insurance

It might be confusing to differentiate between travel medical insurance and travel health insurance. For most insurers in India, there are no strictly different policies for each of these. However, there are certain differences between travel medical insurance and travel health insurance policies that you must be aware of before purchasing any.

They are as follows:

How Can You Buy Travel Medical Insurance?

With Bajaj General Insurance, you can easily buy your travel medical insurance online by just following these steps:

Step 1: First, download the Bajaj General app on your phone and log in/sign up using your details.

Step 2: Then, go to the travel insurance section and fill in the required travel details, such as destination, dates, and trip duration.

Step 3: Let the app analyse your inputs to provide a list of suitable plans and premium quotes tailored to your needs.

Step 4: Choose the plan that best fits your itinerary, and add any optional covers or add-ons if necessary.

Step 5: Then make an online payment and activate your travel insurance coverage.

Step 6: You will receive your policy document and payment receipt directly in your registered email.

What Should You Look for in a Travel Medical Insurance?

Choosing a good travel medical insurance can be tiring and confusing. So, here is a list of things for you to check out while buying your insurance:

1. Easy Claim Process: Check whether the process is easy and online for faster claim settlements.

2. Cashless Claims: Check if you can get cashless claims from your insurer at your travel destination.

3. Coverage for All Your Travel Needs: See if the inclusions and exclusions are as per your travel needs.

4. 24/7 Good Customer Service: Remember to get in contact with the insurer’s customer service to see how helpful they are.

5. Customer Review: Read online customer reviews for the policy that you are buying to get a genuine idea.

Do not let unexpected medical emergencies ruin your trip. Buy Bajaj Travel Insurance, and get easy online claims, cashless treatment at network hospitals worldwide, and 24/7 customer support.

Bottom Line

So, to answer the question of what is travel medical insurance, it is a policy designed to protect you from unexpected medical expenses while travelling. While buying one for your trip, remember to compare different plans before settling on one. Select a plan that accurately meets your travel requirements.

Frequently Asked Questions

Q1. Who needs travel medical insurance the most?

Elderly people who are more prone to health issues, individuals planning to do adventure sports, and people who are highly sensitive to travel sickness should definitely get travel medical insurance.

Q2. Does the cost of travel medical insurance depend on anything?

Yes, the cost of your travel medical insurance depends on the country you are going to, your age, the trip duration, and the coverage you have chosen.

Q3. Can I buy travel medical insurance after booking my flight?

Yes, you can buy travel medical insurance after booking your flight and before your travel starts.

Q4. Can I extend my travel medical insurance if my trip gets longer?

Yes, you can easily extend your travel medical insurance with Bajaj General Insurance up to 180 days.

Q5. Can I get travel medical insurance even if I am travelling in my home country?

Yes, you can get yourself travel medical insurance even if you are travelling in your home country, cause financial protection is always necessary.

Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes. It is based on several secondary sources on the internet and is subject to changes. Please consult an expert before making any related decisions.

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.