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Senior Citizens Travel Insurance India for Older Travellers

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Indian travel insurance coverage for Older travelers

Older Traveller Indian Overseas Mediclaim Insurance

Indian older travelers or senior citizens travelling overseas are more prone to fall sick or have an unexpected medical emergency. The cost of healthcare for older travelers is quite high in a foreign country and without health insurance, it can lead to financial crisis. Some travelers also have pre-existing medical conditions and buying a good overseas travel health insurance for older Indian travelers is necessary. Some Indian overseas mediclaim insurance for older travelers offer coverage for pre-existing conditions under life threatening conditions. Compare and buy the best Indian older traveler health insurance from popular and top rated Insurance providers with successful claims settlement.
Travel Health Risks for Senior Citizens and importance of India travel insurance

Is there any overseas mediclaim policy for senior citizens in India?

In India, Overseas Mediclaim is normally the term used for Travel Insurance or Overseas Health Insurance and they refer to insurance coverage for a traveller going abroad on leisure/holiday or business. There are many insurance companies which offer Overseas Mediclaim plans for Senior Citizens travelling out from India. The traveller only needs to provide basic information like age, duration of travel, destination and then opt for the coverage (Accident & Sickness (A&S) Sum insured) to get a quote with all options presented to them based on which they can choose the plan most suitable to their requirements.

It is recommended that the traveller in this category opts for a A&S sum insured of between $50,000 and $100,000 (₹ 70 lacs) to remain reasonably covered during their trip to protect them against any medical exigency. If the traveller is visiting developed markets like USA, UK there are inbound visitor insurance options also available but they are exorbitantly higher premiums than the Indian insurers for a comparable coverage.
Pre-existing conditions travel insurance India for older travellers

Which Overseas travel insurance is best for parents?

For a son or a daughter, their parents are the most important members of their family and they would go to any lengths to protect them. So why should it be any difference with Overseas Travel/Health insurance? One must ensure they buy an insurance policy without fail when their parents are visiting them abroad and they have an option to choose the plan from a host of Best Indian travel insurance for senior citizens. There some popular Travel insurance in India for pre-existing medical conditions which offers excellent coverage for older travelers and parents. It is important for the traveller (and their son/daughter purchasing the insurance policy) to note the following:
  • Most visitor insurance policies available abroad offer only a sickness/accident cover once the traveller reaches their destination country. Their transit from and back to India is not covered during which their parents could have an unexpected emergency.
  • Indian Travel insurance plans offer comparable medical coverage (that cover hospitalisation following a sickness/accident) as well as non-medical coverage like Passport Loss, Baggage Loss/delay, Missed Connection, Flight Delay, Personal Liability etc.
  • Indian Overseas Health insurance plans offer Cashless Settlement for inpatient treatments.
  • Premiums for Indian insurance plans are considerably cheaper than the visitor insurance plans available online.
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
Compare and buy Indian travel insurance for older travellers online
Companies offering overseas travWhich Overseas travel insurance is best for parents?el insurance for senior citizens India
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Travel insurance useful links

How to buy online?
How to buy online?

You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque

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Already outside India
Already outside India

Travelers who have already traveled from India and do not have insurance can buy travel medical insurance after approval.

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Online renewal
Online renewal

Insurance customers can renew their existing policy online before the exipry date at any time.

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Insurance claims
Insurance claims

In case of a claim or reimbursement of treatment expenses, notify by contacting them.

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Policy wordings
Tips on air travel

Travel tips for Indian parents

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How are Claims settled?
How are claims settled?

Are travel insurance directly billed or is it reimbursement basis, is there a hospital network

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How does travel insurance work
How does travel insurance work

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

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Healthcare cost overseas
Healthcare cost overseas

Comparison of overseas Healthcare cost and popular tourist destinations

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Tips to find best travel insurance
Tips to find best travel insurance

Tips to find good and adequate international travel health insurance

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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022