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How to Buy Travel Insurance with Medical Coverage

In India, to secure your overseas trip, travel insurance and medical insurance are offered under the same policy for extensive coverage. Whether you choose to purchase travel insurance online or offline, this advantage is provided to you by most reputed insurers.

In the following article, we will explain how to purchase this insurance policy and what aspects you should take into account before investing in it.

How to Buy Travel Insurance with Health Coverage?

You can purchase this policy either through the online or offline mode. The offline process involves you meeting the insurance agent or going to the office of the insurance company multiple times physically.

The online process for buying senior citizen travel insurance or any other travel insurance policy involves the following steps:

  • Step 1 – Select the insurer that you want to buy your policy from and visit their website.
  • Step 2 – Navigate to their travel insurance page and provide your personal information, such as name, travel destination, phone number, number of days of travel, etc.
  • Step 3 – Select the plan you want to buy and proceed accordingly.
  • Step 4 – Provide your plan details, such as the premium amount, followed by the rest of your personal information.
  • Step 5 – Choose the payment mode, and then make the payment to buy the travel policy.

Factors to Consider Before You Buy Travel Medical Insurance

Before rushing to purchase the very first insurance company you find online, consider the following factors to ensure you get extensive coverage and your claims are settled without any hiccups.

The Coverage

Your travel policy should provide you with sufficient travel health coverage, including financial coverage for emergency medical situations and medical evacuations if necessary. Apart from this coverage, your travel policy should also cover you for flight-related issues, baggage and passport loss, third-party liabilities and personal accidents.

Policy Exclusions

Checking policy exclusions is important as it helps you learn what you can claim for and what you cannot. Knowing the exclusions and inclusions can be effective in helping you make an informed decision when you are on your overseas trip.

Claim Settlement

It is also vital that your travel medical insurance for international trips should be quick to settle claims. Check the reputation of the insurer, their claim settlement process, added benefits and features, etc., by going through the customer reviews. Also, check the insurer’s claim settlement ratio to be sure that your claim will be settled when you file a genuine claim.

Policy Duration

One more factor worth considering is whether the policy covers you throughout your international trip. Generally, a travel policy should cover you throughout the duration of your trip.

Claim Limit

The amount that an insured individual can claim as reimbursement is known as the claim limit. When you buy your travel policy from a trusted insurer, your policy premium should justify the claim amount. If the claim amount is less than the premium amount, you can reconsider the purchase decision.

Conclusion

Since travel insurance in India comes with medical coverage, you can benefit from this policy, especially when applying for a Schengen visa. Considering the above factors will help you be better equipped to choose a plan that suits your needs and also ensure hassle-free claims process.

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