India travel insurance with diabetes medical coverage while overseas

Frequently asked questions for medical coverage

Is it necessary to disclose my diabetes when purchasing travel insurance?

Yes, it is important to declare all pre-existing medical conditions, including diabetes, when buying travel insurance. Failing to disclose this information may lead to the denial of claims, even for medical emergencies that are not related to diabetes.

Will my insulin or diabetes medication be reimbursed if it is lost during my travels?

Typically, the loss of personal medication is not covered by standard travel insurance policies. However, certain comprehensive plans may offer reimbursement for the cost of replacing essential prescriptions if they fall under baggage or personal belongings coverage.

Is emergency medical evacuation included if it is necessitated by a diabetic emergency?

Emergency medical evacuation is generally covered if it is medically necessary and recommended by attending healthcare professionals, even in cases related to diabetes. However, it is advisable to review the policy to understand whether pre-existing conditions are included or excluded from evacuation coverage.

What medical documentation should individuals with diabetes take when traveling?

• A prescription from their doctor along with their medical history.
• A letter that outlines their condition and the treatment plan
• Additional insulin or medication, as well as supplies for blood sugar testing.
• Insurance documents that include emergency contact numbers.

Are complications related to diabetes, such as foot infections or ketoacidosis, included in insurance coverage?

Such complications are frequently considered as part of a pre-existing condition. Coverage is unexpected unless the insurance policy specifically states that it includes treatment for pre-existing conditions, or if the complication is classified as life-threatening and your insurance plan includes such situations

Is it possible for travelers with diabetes over the age of 70 to obtain travel insurance?

Yes, senior travelers can buy travel insurance. however, coverage for pre-existing conditions like diabetes may be restricted or may need a higher premium. Certain insurance providers offer plans tailored for seniors that come with limited coverage for chronic conditions. Speak to eindiainsurance customer support for more information on this question.

What should I do if I have recently been diagnosed with diabetes and am not yet on medication?

If you have just received a diabetes diagnosis but have not initiated treatment, it is still classified as a pre-existing condition. It is important to provide complete information, as coverage will be based on the underwriting guidelines of the insurance provider.