Tips to find best travel insurance
Tips to find good and adequate international travel health insurance.
Know more »According to the UNWTO 2018 Report, 51% of Global Travellers are on their way to Europe…Europe enjoys the distinction of being the continent of choice for the global traveller for many years now. Given the many breathtakingly beautiful destinations and the moderate climate throughout the year makes Europe an attractive destination for any traveller. However from an insurance perspective, Europe remains one of the costliest geographies for medical treatment. This is because of the strong Euro currency and continuously rising medical inflation.
While Travel insurance is not a mandatory requirement for International travel (except to the Schengen countries in Europe), it is highly recommended that the traveller treats an insurance policy as a mandatory part of their travel documents just like the air ticket, visa or foreign exchange. It is most definitely necessary given the significantly high costs of medical treatment abroad apart from the other non medical risks like Personal Liability or Missed Flights or Baggage and Passport losses that could inadvertently happen and ruin an otherwise well planned holiday. The traveller must understand that the insurance policy is in place post completion of immigration at an Indian port/airport and hence any emergency even at an early stage of the trip is covered.
While it is true that across the world emergency medical care is provided to a patient irrespective of the status of their insurance coverage, the hospital/medical establishment does seek to recover the costs related to the emergency care from the patient post recovery. Hence the traveller could land up with a sizeable medical bill to pay irrespective of their insurance coverage and hence it is advisable to have an insurance policy in place to offer financial support at a critical time like this.
Compare the healthcare and hospitalization costs in foreign nations and other popular Indian tourist destinations across the globe. Healthcare costs are extremely high in most foreign countries and it is important to buy good overseas travel health while traveling outside India.
Medical procedure | USA | Costa Rica | India | Jordan | S. Korea | Mexico | Israel | Thailand | Malaysia | Poland | Singapore | Turkey |
Heart Bypass | $123,000 | $27,000 | $7,900 | $14,400 | $26,000 | $27,000 | $28,000 | $15,000 | $12,100 | $14,000 | $17,200 | $13,900 |
Angioplasty | $28,200 | $13,800 | $5,700 | $5,000 | $17,700 | $10,400 | $7,500 | $4,200 | $8,000 | $5,300 | $13,400 | $4,800 |
Heart Valve Replacement | $170,000 | $30,000 | $9,500 | $14,400 | $39,900 | $28,200 | $28,500 | $17,200 | $13,500 | $19,000 | $16,900 | $17,200 |
Hip Replacement | $40,364 | $13,600 | $7,200 | $8,000 | $21,000 | $13,500 | $36,000 | $17,000 | $8,000 | $5,500 | $13,900 | $13,900 |
Hip Resurfacing | $28,000 | $13,200 | $9,700 | $9,000 | $19,500 | $12,500 | $20,100 | $13,500 | $12,500 | $9,200 | $16,350 | $10,100 |
Knee Replacement | $35,000 | $12,500 | $6,600 | $9,500 | $17,500 | $12,900 | $25,000 | $14,000 | $7,700 | $8,200 | $16,000 | $10,400 |
Spinal Fusion | $110,000 | $15,700 | $10,300 | $10,000 | $16,900 | $15,400 | $33,500 | $9,500 | $6,000 | $6,200 | $12,800 | $16,800 |
Dental Treatment | $2,500 | $800 | $900 | $900 | $1,350 | $900 | $1,200 | $1,720 | $1,500 | $925 | $2,700 | $1,100 |
Gastric Bypass | $25,000 | $12,900 | $7,000 | $7,500 | $10,900 | $11,500 | $24,000 | $16,800 | $9,900 | $9,750 | $13,700 | $13,800 |
Hysterectomy | $15,400 | $6,900 | $3,200 | $6,600 | $10,400 | $4,500 | $14,500 | $3,650 | $4,200 | $2,200 | $10,400 | $7,000 |
Figs in $ USD | Switzerland | Spain | UK | India |
MRI Scan | 503 | 788 | 175 | |
Day in Hospital as an Inpatient | 4,781 | 424 | 200 | |
Appendix Surgery | 6,040 | 2,003 | 9,000 | 1,500 |
Cataract Surgery | 2,114 | 1,719 | 3,145 | 300 |
Bypass Surgery | 34,224 | 14,579 | 24,059 | 8,000 |
Knee Replacement | 20,132 | 6,686 | 18,481 | 4,500 |
Source - International Federation of Health Plans / Indicure |
Insurance Plan Comparison** | Insured's Age | USA Inbound Insurer Premium in $ USD | USA Inbound Insurer Premium in ₹ INR | Indian Insurer Premium in ₹ INR |
---|---|---|---|---|
Plan Coverage - $500,000 + Duration is 90 days | Age 46 years | $367 - $396 | 25,690 - 27,720 | 10,865 - 13,004 |
Age 61 years | $683 - $803 | 47,810 – 56,210 | 21,867 - 26,596 | |
Please note - Deductible under USA Plan is $250 ; India Plan is $100 |
** - The premiums captured above are actual premiums available on the USA Visitor Insurance website…please note that the coverages apart from the Accident & Sickness cover of $500,000 needs to be reviewed before opting for your policy.
Tips to find good and adequate international travel health insurance.
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