Senior Citizens Travel Insurance India for Older Travellers

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.

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.