Travel whether domestic or international open new vistas of scenic beauty, adventure activities and cultures. Amidst the excitement of travelling, many people tend to overlook the chances of unexpected medical eventualities such as meeting with an accident or falling sick.
But, a few set of challenges and unforeseen circumstances can crop up, especially related to your health and well-being. Whether you are a working professional, a businessman, a student or an avid traveller, panic may break loose in case of any sudden medical contingency.
Purchasing a medical travel insurance plan is one of the most crucial parts of your trip as it will make your trip safe and more pleasant. Considering the potential expenses associated with getting hurt or becoming ill while in a foreign country are far too exorbitant it is essential to secure medical travel insurance policy. In case of medical emergencies getting instant medical help is crucial. But it is a daunting and expensive task if you do not have medical travel insurance plan.
Buying medical travel insurance policy is a simple and convenient way to save money in any emergency situation. Everyone can benefit from the coverage. Medical travel insurance can help offset those heavy costs so you need not worry about wiping out your budget.
Understanding medical travel insurance
As you make travel plans and cover the cost of a travelling, the thought of spending extra money for health travel insurance may appear to be an unnecessary expense. But purchasing medical travel insurance policy is very essential and typically very affordable.
Medical travel insurance plan covers the cost of varied emergency medical treatments that can be required during a trip. In case of an unexpected illness or injury that requires instant medical help during travel, you will need medical travel insurance plan. The insured amount of money will be reimbursed
Medical travel insurance is a supplemental policy that helps to protect your finances while you’re traveling. But Medical travel insurance policy is only valid for the assigned duration of the trip. It provides additional financial assistance for your health insurance when you’re travelling.
Generally, a domestic health insurance plan will not be accepted in foreign lands. So, it is extremely important to purchase travel medical insurance plan as a supplement to your health insurance coverage since it is only valid while you’re traveling. It provides added coverage to help keep you safe and stress free on your vacation. Higher coverage limits and longer coverage terms will increase the cost of the medical travel insurance policy.
Benefits of medical travel insurance plan
Investing in a medical travel insurance plan offers plenty of benefits. These include:
Relaxed mind – Medical emergencies can occur without any warning. With this plan you can rest assured that your vacation budget will not be affected by the heavy expense of treating unforeseen injuries and illnesses.
Get instant care – With travel medical insurance plan, you can call for medical help right away and get emergency services without thinking about the cost. You need not delay treatment and wait to get back to your home town.
Without medical travel insurance, you will have to handle unexpected hike in cost on your own. This can seriously affect your financial plan in your vacation budget, and can put your health at risk.
Without this plan you can land heavily into debt.
Delayed treatment facility can put your health at risk.
Important Features of travel medial insurance
Travel medical insurance covers a number of emergencies. However, it does not cover cost of preventive treatments or regular medical care.
The insurance plan covers emergencies such as:
Heart attacks
Strokes
Broken bones
Emergency dental issues
Medical evacuations
Surgery
Medicines and hospital costs
Urgent medical treatment for accidents
Emergency transport
Emergency return
Why buy medical travel insurance?
Anything that constitutes a medical emergency and forces you to seek treatment while you’re on your trip typically should be covered by a comprehensive medical travel insurance policy.
If you’re going to a doctor for a routine checkup, you’ll be required to pay out of pocket or submit a claim to your health insurance provider
One of the most important reasons that you need to buy travel medical insurance is that your home insurance policy does not cover you when you are in a foreign country.
The medical travel insurance is specifically formulated to cater to health reasons
Medical travel insurance policy is ideal for travellers who are looking for a short term health advantage while taking a trip
The tenure of medical travel insurance policies is a little more than the regular travel insurance policies
The travel medical coverage is only valid while you’re traveling.
Common myth regarding medical travel insurance
One common misconception about medical travel insurance is that it’s not required if you have any form of health insurance. But, if you’re traveling to a foreign country, or are out of your provider’s network, another health system will not accept your insurance. For example if you are on a cruise ship and require some medical care onboard the ship. Then, you can use your health insurance to cover the costs. But if your injuries require transfer to a medical facility on shore, then only a medical travel insurance policy is useful.
Buy medical travel insurance plan online
A medical travel insurance plan is a versatile plan. It offers adequate financial compensation for various emergencies the policyholder encounters in the duration of the trip. The ideal place to buy medical travel insurance is online as it saves substantial premium as compared to the conventional mode.
Conclusion
A medical travel insurance plan is a comprehensive package that offers adequate medical cover when you are travelling especially to a foreign country. Purchasing a medical travel insurance plan from a reputed company is an excellent way to help safeguard your health and finances from any unexpected circumstances while you’re traveling. Invest in a medical travel insurance plan that includes the types of coverage and coverage limits you require, so that you can have a pleasurable travelling experience.
