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Visitor insurance without sub-limits

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What is sub limit in travel 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

TATA AIG Travel Insurance

Travelers aged 6 months to 55 years
- Silver - $50,000
- Silver Plus - $100,000
- Gold - $250,000
- Platinum - $500,000
Travelers aged 55-70 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
Travelers aged 71 years and above
- Senior Plan without sublimits - $50,000

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Reliance Travel Insurance

Travelers aged 6 months to 60 years
- Standard - $50,000
- Silver - $100,000
- Gold - $250,000
- Platinum - $500,000
Travelers aged 71-80 years
- Senior Plan without sublimits - $50,000

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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, $1 million

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Religare Travel Insurance

Travelers aged 1 day to 60 years
- Gold Plans - $50,000, $100,000, $300,000, $500,000
- 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