The wanderlust bug can bite anybody, metaphorically and literally. No rulebook says that only the young can travel. In fact, there is a growing trend where senior citizens are now choosing to travel and explore the fantastic sights and sounds of the world. Be it to meet their children and grandchildren who live in a different country or finally undertaking india holidays or international holiday trip that has been pending for years.

While they are up and about planning all the things they want to see and do, one important aspect that one must consider is travel insurance. Travel insurance for senior citizens ensures that they are protected while they are travelling and this aspect of a holiday should not be neglected.

Be it for a long holiday or a short trip, overseas travel insurance for a senior citizen is a must. This would help them in case of an emergency, be it financial or medical that they would face while they are travelling.

One thing to remember is that there are many countries where a senior citizen may require getting travel insurance while applying for a visa. If you are travelling or have a parent or a grandparent travelling abroad, here is what you need to keep in mind while choosing a travel insurance.

1. Medical Emergency: You need to choose the best travel insurance for senior citizen which will cover any medical expenses that may incur while on the trip. A general rule of thumb, you should choose an insurance that will cover an emergency medical evaluation, a compassionate visit, an accident among other things. Choose a travel insurance that has coverage of medical tests included in the same.

2. Pre-existing illness coverage: Many travel insurances do not provide coverage for pre-existing illnesses. However, some of the best travel insurance plans for seniors do provide travel insurance with pre-existing illnesses. This would mean that if a senior traveler has an ailment, they will be covered under the same.

3. Loss or theft: Be it the loss of baggage, passport or documents, a good travel insurance will cover the same. Travel insurance for senior citizens also includes the need for emergency cash during the travel period.

4. Cancellation or Rescheduled Flights: There is uncertainty everywhere. While most flights fly on time, there is an equally high possibility that a flight can be cancelled or rescheduled. Your travel insurance can protect you at such times, especially for senior citizens who may be travelling out of the country for the first time.

5. Home protection: If you are away from home for a long period, one aspect the travel insurance should cover is home protection. This would mean that your home will be protected against burglary and theft in your absence.

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Travel Insurance Benefits: How we can take care of you?

Loss of Checked-in Baggage and Passport
Loss of Checked-in Baggage and Passport

Get compensation for value of lost checked in baggage

Compensation for expenses incurred to replace lost passport

Compassionate Visit
Compassionate Visit

Daily allowance to family member of insured in case of hospitalisation

Cost of travel ticket of family member covered

Home Burglary
Home Burglary

Loss incurred due to burglary at home covered.

Coverage given for the actual damage due to burglary

Financial Emergency
Financial Emergency

Financial assistance provided in case of emergency

Financial allowance in case of accidental loss of money

Emergency Hotel
Emergency Hotel

In case of delay in departure additional hotel expenses covered

Expenses covered up to sum insured amount

Frequently asked Questions

  • Are Pre-existing diseases covered?
    Most insurance policies do not cover claims relating to a pre-existing disease or illness, irrespective of the fact that the same was declared or undeclared during the time of purchase. Hence, it’s essential to take all necessary precautions before travelling. Ensure you have all your medicines, prescription and other related documents. In case your elderly parents or relatives are travelling by themselves, you must inform the airline of any major health concerns, so they are prepared. In some cases, airlines may ask for a fit to travel certificate issued by the consulting physician.
  • What is Assistance Service provider (ASP)?
    ASP or Assistance Service Provider is an essential service that most insurance policy offer their customers. The name of the service may vary from provider to provider; however, the main purpose of the service is to provide cashless medical payment options in case of hospitalization. In addition to this, the service also provides support with all claim related queries. The service is set up in order to deal with all your medical claim issues. Most insurance companies will have a direct helpline number for the department that can be accessed from overseas.
  • Do we need pre-approval, in case hospitalization is required for medical treatment?
    In case of an emergency, where you or any policy beneficiary is hospitalized, you must contact the ASP or Assistance Service Provider team of your insurance company. If you are eligible for cashless benefits, they will help you claim the same. You will be reimbursed for all your medical bills, included treatment and physician visits. Please read the policy documents carefully before buying.
  • What is the procedure to obtain pre-approval in case of Hospitalization?
    In case of an emergency, where you or any policy beneficiary is hospitalized, you must contact the ASP or Assistance Service Provider team of your insurance company. If you are eligible for cashless benefits, they will help you claim the same. You will be reimbursed for all your medical bills, included treatment and physician visits. Please read the policy documents carefully before buying.
  • What all is covered under medical coverage?
    Most Policies cover things such as, sports injuries, Mammography, Cancer Screening, Mental disorder, pregnancy related expenses, dental, evacuation, repartition and all other major medical expenses. Please read the policy documents carefully before buying
  • Do you need to carry policy papers when travelling overseas?
    It is best to carry the policy papers when travelling overseas. Especially, when you elderly parents are travelling by themselves. But in case you or your parents lose the policy documents, the same can be accessed by logging into your online accounts with your respective service provider. If you buy travel insurance for your parents from outside of India, hard copies of the same will be delivered to your parent’s residence in India and you can download and print a signed copy of the same.
  • Can claims be settled overseas?
    All claims will be settled once you upon your return to India. The only exception is in case of financial emergencies. In case of hospitalization most policies and service providers cashless facilities in case of hospitalization. You can contact the ASP departments of your insurance provider and they will assist you with the same. Also, all medical related claims will be settled by the ASP department of your insurance service provider.

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