Eindiainsurance  - All your Insurance needs Online!
eindia logo
whatsapp call + 91 (80) 41101026 menu

Visitor insurance without sub-limits

International travel health insurance

assignment Plan type
pin_drop Destination
medical_services Pre-existing diseases?
     
full_coverage Coverage
calendar_month Date of Birth
  OR age      years
calendar_month Start date
calendar_month End date
Total Days
* Get insurance updates
VIEW PLANS 
Visitor Travel Insurance

What is sub limit in travel insurance?

Insurance sublimits are extra limitations in an insurance policy's coverage of certain losses, primarily Sickness Medical expenses. They are part of the original limit, that is, they do not provide extra coverage, but set a maximum limit to cover a specific loss or for a specific medical expense. Sublimits can be expressed as a dollar amount or as a percentage of the coverage available. Typically they are part of the policy for insureds with advancing age.

For example, in a travel policy which has an Accident & Sickness Expense coverage of $100,000, it might have a sublimit of $10,000 to cover Surgery Expenses. This means that only $10,000 of the total coverage can go toward paying for Surgery Expenses. The insured cannot receive an insurance payout of an amount exceeding the sublimit for the types of loss specified.

Available Travel Insurance plans with no Medical Sublimits

There are many Indian insurance companies which provide travel medical insurance with no sub limits. Some others also call it as comprehensive travel insurance. Generally for senior citizens this term will come into picture as the insurance companies offer restricted cover on the overall policy maximum. However few companies will waive off this restrictions by offering plans without medical sub limits. Here the customer has to pay more than the regular plans and these cover the traveler up to the policy maximum.

Example

We have tried to explain you with an working example below.
  • Let us take an example where the medical bill is $25,000.
  • The plan covers up to a maximum of $50,000.
  • Deductible is $100 - First $100 the customer needs to pay before the insurance company pays.
  • The insurance company pays full amount for the expenses after the deductible is paid by the customer, assuming the following breakdown
Expense Amount Billed Plan Pays Customer Owes
Ambulance $700 $600 $100 (deductible)
Hospital Room Rent $8,000 for 4 days $8,000 for 4 days $0
Surgical Treatment $16,000 $16,000 $0
Physician’s visits $400 for 4 days $400 for 4 days $0
Total $25,100 $25,000 $100

Popular overseas travel insurance without sublimits for Indian visitors

Care Insurance

  • Travelers aged 1 day to 60 years
    • Platinum Plans - $50,000, $100,000, $300,000, $500,000
  • Travelers aged 61 to 80 years
    • Platinum Plans - $50,000, $100,000
  • Travelers aged 81 to 90 years
    • Platinum Plans - $50,000

Reliance Travel Insurance

  • Travelers aged 6 months to 60 years
    • $50,000
    • $100,000
    • $250,000
    • $500,000
    • $750,000
    • $1000,000
  • Travelers aged 71-80 years
    • Senior Plan without sublimits - $50,000

Bajaj Allianz Travel Insurance

  • Travelers aged 6 months to 60 years
    • Companion Plans - $50,000, $200,000, $500,000
    • Elite Plans - $50,000, $200,000, $500,000
    • Assist Card Plans - $50,000, $200,000, $500,000
    • Prime Plans - $50,000, $200,000, $500,000, $750,000, $1000,000
    • Travel Ace - $50,000,$100,000, $200,000, $500,000,
  • Travelers aged 60 to 99 years
    • Travel Ace - $50,000

TATA AIG Travel Insurance

    1. Travelers aged 6 months to 55 years
    • Silver - $50,000
    • Silver Plus - $100,000
    • Gold - $250,000
    • Platinum - $500,000
    • Titanium - $750,000
    • Titanium plus -$1000,000
2. Travelers aged 56-70 years
  • Silver Plan without sublimits - $50,000
  • Silver Plus Plan without sublimits - $100,000
  • Gold Plan without sublimits - $250,000
  • Platinum Plan without sublimits - $500,000
  • Titanium - $750,000
  • Titanium plus -$1000,000
3. Travelers aged 71 years and above
  • Senior Plan without sublimits - $50,000
  • Senior plus without sublimits - $100,000
  • Super senior without sublimits - $50,000

Get quotes for travel insurance!

Review and compare the best travel insurance.
Compare travel insurance quotes
Find the best Indian travel insurance  

EIndia General Insurance Partners

Insurance companies offering Schengen visa insurance

  • Tata Aig
  • bajaj-allianz
  • reliance
  • cholamandalam
  • religare health Insurance
  • apollo
  • Star Health
  • max bupa
  • future generali
  • go digit
  • hdfc ergo
  • cigna ttk
  • universal sompo
  • SBI
  • iffco tokio
  • Cigna TTK
  • Aditya Birla
  • Raheja QBE
  • New India Logo
  • Oriental Logo
  • bharti axa health Insurance Plans
  • kotak

India travel insurance blogs and articles

health_and_safety

Tips to find best travel insurance

Tips to find good and adequate international travel health insurance.

Know more »
difference

Health care cost comparison

Comparison of overseas Healthcare cost and popular tourist destinations.

Know more »
flight_takeoff

How does travel insurance work

How to use visitor insurance in case of sudden sickness and accidents.

Know more »
airplane_ticket

Visa free countries for Indians

Visa free countries for Indians - Check, list of visa free countries where Indian passport holders can travel without visa.

Know more »
card_travel

Visa on arrival for Indians

Indian passport holders have the benefit of visa on arrival in different countries – find travel insurance suitable for visa on arrival.

Know more »

Indian travel insurance resources

travel

Travel Insurance India

Best Indian visitors medical Insurance plans available for overseas travel.

Know more »
travel_explore

Student Travel Insurance

Buy Student medical insurance and travel abroad for a peaceful and secured studies

Know more »
explore

Multi-trip Travel Insurance

Buy Overseas Multi Trip travel medical insurance online

Know more »
euro_symbol

Schengen Travel Insurance

International travel medical insurance for Europe from India

Know more »
language

Asia Travel Insurance

Buy Asia travel insurance online and travel abroad for a safe travel overseas

Know more »
card_travel

Domestic Travel Insurance

Buy Domestic Travel Insurance online for travelling within India

Know more »
family_restroom

Family Travel Insurance

Family Floater insurance in India to cover all members of the family on a vacation.

Know more »
elderly

Senior Citizen Insurance

What are the normal coverages under a Maternity Insurance Plan?

Know more »
question_mark

Travel Insurance FAQ's

International Travel medical insurance frequently asked questions

Know more »