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Senior Citizen Travel Insurance

Tourism is travel for pleasure or business; also the theory and practice of touring, the business of attracting, accommodating, and entertaining tourists, and the business of operating tours. Tourism may be international, or within the traveller's country. The World Tourism Organization defines tourism more generally, in terms which go "beyond the common perception of tourism as being limited to holiday activity only", as people "traveling to and staying in places outside their usual environment. India has become over the past few years, the country sending amongst the biggest outbound travellers across the world…not only are they sending significant numbers abroad, the Indian travellers are amongst the biggest spenders while they are abroad (upto $1200 per person against the US traveller who spends $700).

The DGCA statistics coupled with a report by Amadeus on Asia Pacific travellers (with specific reference to the Indian traveller), provide data on the India Traveller:

India had 30.47 million outbound travellers in 2017-18, up 10% from the previous year. Higher disposable incomes and willingness to reduce their savings have been a recent phenomenon among the Indian travellers. They are willing to chase experiences, rather than just destinations.
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The average age of the Indian traveller has also been coming down over the years. Today 46% of the travellers are below the age of 34. But it is important to note that unlike most other countries, India still boasts of closer family ties than most countries across the world…this leads to 31% of travellers above the age of 45 years…this category of travellers are mostly grandparents visiting abroad to support their children in taking care of their grandchildren. Also 31% of travellers are women, this number has been steadily rising over the years.
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Another interesting fact is that 55% of India travellers go abroad more than 3 times a year…while this may be specific to many business travellers, the fact remains that Indians are travelling much more than they used to.
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It is important to note that with these growing numbers, the risks associated with travel abroad is also increasing multifold and this is where travel insurance comes into the picture…you have a comprehensive travel insurance plan with coverage for pre existing conditions for the more Senior travellers and Annual Multi Trip plans for the frequent flier...

A pre existing condition means any condition, ailment or injury or related condition(s) for which the insured had signs or symptoms, and / or were diagnosed, and / or received medical advice/ treatment, within 48 months prior to commencement of the first Policy issued by the Insurer. This means that if the insured is traveling abroad with a pre-existing condition and avails of any treatment abroad, the insurance company will not be liable for paying the claim. On eIndiaInsurance, we have options for all travellers and specific plans for Senior Citizens, with an option for including a pre existing illness coverage.
Senior Citizen’s Insurance Plan

senior citizen insurance
The Senior Citizen’s plan is specifically for Senior citizens normally about the age of 70 years. It is a plan that focuses primarily on Emergency Accident & Sickness cover, but also has Medical Evacuation, Repatriation, Passport loss, Baggage Loss/Delay etc.
Coverages Offered

  • Emergency Accident & Sickness Reimbursement
  • Medical Evacuation
  • Repatriation of Remains
  • Baggage Loss/Delay
  • Passport Loss
  • Personal Liability
  • Flight Delay
  • Emergency Cash Advance
Policy Exclusions

  • Any Pre-existing Condition
  • Routine physicals or other examination
  • Elective, cosmetic, or plastic surgery
  • Suicide, (AIDS), / (HIV) infection
  • Under the influence of drugs, alcohol, or other intoxicants
  • Loss arising out of War, civil unrest, Terrorism
  • Congenital anomalies
  • Participation in Adventure Sports
  • Pregnancy related conditions
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Senior Citizen Travel Insurance Products

  • Senior citixens 71-99 years can buy the policy online wihtout any medical tests.
  • Option to buy wihtout medical sublimit plan by paying additional premium.
  • Maximum duration is 180 days
  • Pre-existing ailments covered up to $1,500 only incase of life threatening situation
  • Available for the age 71-99 years without any medical tests
  • Maximum duration available is 180 days
  • Maximum coverage is US$50,000
  • Senior citixens 71-90 years can buy the policy online wihtout any medical tests.
  • Maximum duration is 182 days
  • Maximum coverage availble is US $15,000 and US $50,000.
  • Option to buy US $50,000 wihtout medical sublimit plan by paying additional premium
  • Senior citizens 71-90 years can buy the policy online wihtout any medical tests
  • Sum insured ranges from US $50,000 and US $100,000
  • Covers declared pre-existing conditions up to 10% os sum insured
  • Premium per day and can be purchased up to 180 days.
Email / Call Back

  • Address
  • InstantCover Insurance Web Aggregator Private limited
    710, 6th B Cross, 16th Main Road, Koramangala 3rd Block,
    Bangalore - 560 034.
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