How does travel insurance work overseas?

One of the key reasons for this is that the traveller does not believe that travel insurance is a useful product to have when they go overseas. The second reason is that even if they believe it is a useful product, they are not aware of how they can utilise whilst abroad, it the need arises. This short article attempts to briefly highlight how a travel insurance policy is useful when the travellers is abroad.

There are a couple of important points for the traveller to note when they have purchased a travel insurance policy:

• Travel Insurance Policy Number – this is printed on the policy certificate provided by the insurance company to each traveller. Please have this noted carefully at a convenient location.
• Toll Free Contact Numbers /Email ids of the Assistance Company (TPA) abroad – again this information is printed on the policy certificate, please have this also noted conveniently. Some insurance company TPA’s do not have Toll Free numbers across every country in the world, but offer an immediate call back facility to the insured. All these Assistance TPA’s are operational 24X7 and hence can be contacted at anytime.

If the insured has any of exigencies (see the below chart), they should immediately reach out to the Assistance TPA on the contact details provided and explain to them the nature of the exigency and support required. The Assistance TPA will then swing into action and ensure the traveller gets whatever support they need.