Tips to find travel insurance
Tips to find good and adequate international travel health insurance.
Know more »Buy Pre-existing coverage for Care travel insurance
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Here's a clear and professional form field content for Pre-existing Diseases in a travel insurance application. A pre-existing condition is defined as any illness, disease, or injury for which you have received medical advice, diagnosis, care, or treatment prior to the start date of the policy, whether ongoing or in remission.
USD 50,000 / 1Lakh / 3Lakhs / 5Lakhs
180 days(can be extended for further)
1 day to 90 years
| Benefits | Explore Gold | Explore Platinum |
| Geographical scope | Worldwide / Worldwide excluding US and Canada | Worldwide / Worldwide excluding US and Canada |
| Sum Insured | USD 50,000, USD 100,000, USD 300,000 & USD 500,000 | USD 50,000, USD 100,000, USD 300,000 & USD 500,000 |
| Hospitalization expenses | Yes | Yes |
| In-patient Care (Deductible US $100 / € 75) | Up to Sum Insured | Up to Sum Insured |
| Pre-Existing Disease (Life Threatening Condition) (Deductible US $100 / € 75) | 10% of Sum Insured | 10% of Sum Insured |
| Additional Sum Insured for Accidental Hospitalization (Deductible US $100 / € 75) | Yes, up to 100% Sum Insured | Yes, up to 100% Sum Insured |
| Out-patient care (Deductible US $100 / € 75) | USD 50,000 | USD 50,000 |
| Daily Allowance (Deductible 2 days) | US $25 per day, max 5 days | US $25 per day, max 5 days |
| Compassionate Visit | US $5,000 | US $5,000 |
| Return of Minor Child | US $2,000 | US $2,000 |
| Upgradation to Business Class | US $1,000 | US $1,000 |
| Dental Expenses(Deductible 2 days) | US $300 | US $300 |
| Personal Accident | US $15,000 | US $15,000 |
| Medical Evacuation | US $50,000 | US $50,000 |
| Repatriation of Mortal Remains | US $50,000 | US $50,000 |
| Trip Cancellation and Interruption | US $1,000 | US $1,000 |
| Trip Delay (Deductible 12 hours) | US $500 | US $500 |
| Loss of Checked-in-Baggage | US $100 | US $100 |
| Delay of Checked-in-Baggage (Deductible 12 hours) | US $100 | US $100 |
| Loss of Passport | US $300 | US $300 |
| Personal Liability (Deductible US $100 / € 75) | US $100,000 | US $100,000 |
A pre-existing condition refers to any illness, injury, disease, or medical symptom for which you have received medical advice, diagnosis, or treatment in the 48 months prior to buying the policy.
Yes, Care’s overseas travel insurance offers limited coverage for pre-existing conditions, but only for life-threatening situations and emergency hospitalization, and up to a defined sub-limit.
Some variants of Care’s travel insurance plans include higher sub-limits or optional add-ons for better coverage of pre-existing conditions, especially for senior citizens.
No, the policy does not cover ongoing or routine treatment for chronic pre-existing conditions. It only provides emergency stabilization in case of an acute flare-up.
Yes, full disclosure is mandatory. Failure to disclose existing conditions may lead to denial of claims or cancellation of the policy.
The insurer assesses your medical history and the attending physician’s reports to determine if the emergency is related to a pre-existing issue.
Coverage terms and sub-limits may vary with age. Senior citizen plans may have broader acceptance of pre-existing condition-related claims up to certain limits.
No, enhancement or add-ons for pre-existing condition coverage must be selected at the time of purchasing the policy. Mid-term upgrades are not permitted.
Cashless facility may be available only for covered emergencies. If the condition is excluded or not deemed life-threatening, expenses must be paid upfront and may not be reimbursed.
There is typically no waiting period for emergency coverage of pre-existing conditions under overseas travel insurance, but benefits are restricted to acute, life-threatening events.
Coverage is usually capped (e.g., up to USD 1,000–5,000) depending on the plan chosen and is only applicable for emergency hospitalization.
Tips to find good and adequate international travel health insurance.
Know more »Comparison of overseas Healthcare cost and popular tourist destinations.
Know more »How to use visitor insurance in case of sudden sickness and accidents.
Know more »You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT, RTGS, UPI or by using a cheque.
Know more »Travelers who have already traveled from India and do not have insurance can buy travel medical insurance after approval.
Know more »Insurance customers can renew their existing policy online before the exipry date at any time.
Know more »In case of a claim or reimbursement of treatment expenses, notify Care by contacting them.
Know more »Kindly refer the Travel Policy Insurance Wordings for complete coverage details along with terms and conditions.
Know more »Contact our customer service team, we are here to help you!