Tips to find best travel insurance
Tips to find good and adequate international travel health insurance.
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Parents who are visiting their children for holidays, going for a tour abroad can buy travel health insurance from Indian insurance providers. There are many companies offering best visitors insurance for parents from India at competitive prices. These policies can be purchased online without any medical reports.
According to the Ministry of External Affairs report updated on, there are 35.4 million non-resident Indians (NRIs) and People of Indian Origins (PIOs) (including OCIs) residing outside India. The Indian diaspora comprise the world's largest overseas diaspora. Every year, 2.5 million (25 lakh) Indians migrate overseas, making India the nation with the highest annual number of emigrants in the world.
The top 15 regions with significant populations and accounting for 78% of the Indian diaspora abroad are listed below.
| Country | India Diaspora (in lacs) |
|---|---|
| United States of America | 5,160,203 |
| Saudi Arabia | 2,594,947 |
| Malaysia | 2,019,600 |
| United Arab Emirates | 4,425,144 |
| Myanmar | 2,009,207 |
| United Kingdom (across England, Scotland, Wales and Northern Ireland) | 1,927,150 |
| Sri Lanka | 802,323 |
| South Africa | 1,697,506 |
| Canada | 1,858,755 |
| Kuwait | 1,152,175 |
| Oman | 1,375,667 |
| Mauritius | 894,500 |
| Australia | 750,000 |
| Qatar | 691,000 |
| Trinidad and Tobago | 468,524 |
| Region | Insurance Requirement | Coverage Recommended | Special Considerations |
|---|---|---|---|
| Middle East/Africa | Sometimes mandatory | $250,000–$500,000 | High Medical costs, Visa-linked for some countries |
| Asia Pacific | Sometimes mandatory | $100,000–$250,000 | Affordable healthcare, short duration trips |
| Europe (Schengen) | Mandatory | Minium requirement of €30,000…recommended atleast €100,000 | Visa requirement, Longer duration travel, Costly healthcare |
| Americas | Not mandatory, but strongly recommended | $500,000–$1,000,000 | Very Expensive Healthcare, Longer duration travel |
| China/North Asia | Not mandatory | $100,000–$250,000 | Reasonably affordable healthcare |
Travel insurance protects you from unexpected medical and non-medical emergencies such as illness, accidents, loss of baggage, light delays, trip cancellations, and even passport loss while abroad.
All destinations in Europe (Schengen countries), require proof of travel insurance for visa approval.
Cost of healthcare in Americas and Europe exorbitantly high, so highly recommended.Please ensure that the travel insurance plan you are opting for your parent must have
Year wise Outbound International Travellers
| Year | Outbound International Traffic (Lacs) | Trends of Travel |
|---|---|---|
| 2018 | 26.3 | Stable growth |
| 2019 | 26.9 | Pre-pandemic peak |
| 2020 | 7.29 | COVID-19 pandemic, travel collapse |
| 2021 | 8.55 | Continued pandemic impact |
| 2022 | 21.09 | Strong recovery as restrictions eased |
| 2023 | 28.5 | Surpassed pre-pandemic levels |
| 2024 | 36.56 | Record high, robust growth continues |
For parents aged 60 and older, it is highly advisable to select plans that provide a higher medical sum insured (such as $100,000 or more), emergency medical evacuation, and limited coverage for pre-existing conditions.
Yes, numerous insurers provide specialized plans for USA and Canada that include coverage for medical expenses, It is important to buy travel insurance given that healthcare expenses in these nations are considerably higher.
Yes, you are able to buy travel insurance on behalf of your parents. The policyholder is not required to travel with the insured individual.
Yes, the majority of comprehensive policies offer benefits for the loss or delay of checked-in baggage, loss of passport, trip delays, and missed connections.
Typically, travel insurance can be bought for a maximum duration of 180 days for senior citizens. Certain insurers may permit extensions beyond this timeframe, contingent upon underwriting approval.
In general, no medical documentation is necessary at the time of purchase. However, the insured must disclose any pre-existing conditions, and some plans may require a health declaration form.
Yes, in the event of hospitalization, insurers can facilitate direct billing (cashless) arrangements with hospitals abroad through their assistance partners.
Maternity benefits are not applicable to senior travelers. Nevertheless, numerous plans do offer emergency dental care for pain management or treatment related to injuries.
Claims are only accepted for events that happen during the coverage period. If your parents remain abroad for an extended duration, it is crucial to renew the policy prior to its expiration to maintain coverage.
Certain contemporary travel insurance policies include provisions for teleconsultations or online medical visits, which can be particularly beneficial for treating minor health issues and for follow-up appointments.
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| The Parent’s insurance plan (like the Senior Citizen’s plan) is specifically for Senior citizens normally about the age of 50 years. It is a plan that focuses primarily on Emergency Accident & Sickness cover, but also has Medical Evacuation, Repatriation, Passport loss, Baggage Loss/Delay etc. |
| Coverages offered | Policy exclusions |
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"This to convey our gratitude to your customer support team for having guided us very well in procuring our overseas travel insurance."
Vrinda Tandan"Pleasantly surprised with the quick response I received from the travel insurance advisor at Eindiainsurance on account of my recently posted query for my dad's travel and health coverage in Singapore from India."
Saurabh"Thank you very much for the cooperation and support as per the request made with updated dates on the policy issued. Appreciate it."
Rajeev HundooContact our customer service team, we are here to help you!
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