Travelling is always fun as long as everything is fine. But at times things go out of control and situations arise during the trip that cannot be managed alone. Just come to think of it that if you fall sick or get injured, or you lose your passport, some natural disaster hit the area that you are visiting, a major fire outbreak in the hotel in which you are staying and countless other ill-fated events can take place that can ruin the trip. All these circumstances can create financial issues besides causing you mental and emotional stress.
For this reason, it is mandatory to buy a travel insurance plan for expats moving to India from a reputed insurer so that you rest assured of quality healthcare. Avail cashless travel insurance plans so that you get the best facilities in every hospital. Expats moving to India require detailed international travel insurance, which give them long term benefits.
For all the expats moving to India, health insurance will be mandatory. While day-to-day care is of good quality and affordable, but hospitalisation cost can go very high. Private amenities are used for medical tourism and are much in demand and those who can afford prefers buying expatriate insurance that covers all their requirements.
Perfect health insurance in India for expats moving to India
For all the people moving to India, global plan offered by different insurance providers offer comprehensive coverage and that too at cost-effective rates. You will be covered whilst you are in India and also if you are travelling across the world.
Key features of travel insurance for expats moving to India
Medical Expenses: An all-inclusive insurance plan involves all the medical expenses that you incur all through the policy period for getting all types of medical treatment for any injury, ill health or accident, which has been suggested by the doctor. All the expenses related to cure of natural teeth throughout the trip will be borne by the insurer.
In case of hospitalisation, daily allowance will be granted: In case of hospitalisation of more than 2 uninterrupted days, you will get daily allowance owing to injury or illness sustained during the travel.
Transportation expenditure: It covers the ambulance costs to the close by health centre or back to your destination for any further medical treatment if required.
Return of Mortal Remains: In case of any unforeseen circumstances the insured person, owing to illness or injury, dies during the trip then the entire expenditure associated to the transportation of the mortal remains back to their country will be borne by the insurance provider.
Personal Liability: Other then the accidents causing you injury, it can also harm the third-party. During these times under the personal liability coverage all the compensation or any legal expenses will be paid by the insurance provider for a stipulated time frame as mentioned in the policy. In case the property of a third-party is damaged that too will be compensated
Baggage Covers: In case your baggage gets delayed or misdirected by the airline beyond 12 hours, the insurance provider will compensate you for all the expenditure incurred for all the emergency buying. If there is total loss of baggage then also the insurance company will pay costs of the entire baggage as mentioned in the policy.
Trip Cancellation: If any unforeseen circumstances like illness, emergency in the family, rough weather conditions results in trip cancellation then the insurance company will reimburse non-refundable prepaid payments till the amount specified in the scheduled policy.
Loss of Passport: In case you lose your passport, you can request for the expenses that you spent for acquiring the passport, which you lost during the trip.
Financial Emergency Assistance: If during the trip you are robbed or you lose your funds that can affect your travel plans then you can ask for assistance, if it is covered in your travel plan
When should the expats moving to India buy a travel insurance
It is suggested to buy a policy a little ahead of moving to India. The insurance provider needs appropriate documents and other essential paperwork. For this reason beginning the process well in advance will be a great idea and will zip up the entire process. The sooner you get started with the procedure, the sooner you will get travel insurance in India or across the world.
Advantages of travel assurance for expats
It has been observed that international insurance policies tend to have several benefits and can easily be customized. It permits the policy holder to get medical treatment in different parts of the globe. This feature makes it very convenient and flexible in nature.
If you are travelling for a short period, travel insurance is ultimate. These policies generally have a higher amount insured as the policy time is short. Travel insurance plan takes in evacuation charges if the medical requests of the policyholder are not met in the foreign land. These international policies are suitable for expats as it offers comprehensive coverage and has the renewability feature.
Few things that should be kept in mind while purchasing a policy
Make sure that the policy has cashless claims as they are always useful in a foreign land
Insurance provider offers cashless benefits only in those hospitals that are within their network. Opt for an insurer that has a broad network and covers maximum health centres
Make online research before purchasing a policy
If you opt for a lower value travel insurance then all the medical expenses will not be covered but if you chose an insurance plan with high sum, it will enhance the premium. So, chose the one that is pocket friendly and provides maximum coverage
Read the terms and conditions carefully to avoid any uncertainty later on.
To sum up we can say that India has insurance providers in galore and with each insurer offering variety of plans chose the one that suits you the best.
