India travel insurance for senior citizens

Which is the best travel medical insurance in India for senior citizens?

Senior Citizens are normally categorised as individuals who are above the age of 60 years. What is interesting and encouraging is that this section of travellers have been growing steadily over the years and this has encouraged the Indian Travel insurance companies to have customised products for this category of travellers. Senior Citizens are not only now travelling to visit family and friends but also as tourists willing to spend their hard earned savings on travelling and seeing the world, soaking up new experiences each time.

Senior Citizens travelling must ensure to have sufficient insurance coverage prior to their departure from India. This is critical because the propensity for having an unexpected illness or accident is slightly higher when compared to lower age categories and hence insurance coverage is a must. The Indian Senior Citizen plans offer coverages from $25,000 to $100,000 (INR ₹ 70,00,000) of Accident & Sickness coverage which is sufficient cover when they travel abroad. It is also advisable to choose plans which have Trip Cancellation as part of the coverage since there could be a possibility of the trip being cancelled and this will enable a reimbursement of the non-refundable portion of the air, hotel and other tour bookings.

Is there an age limit on travel insurance?

As per the plans offered by all insurance companies, the normal age of coverage is upto 70 years of age. However some of them have Senior Citizen plans without any age capping and other offering coverage between 80 and 99 years. The maximum age limit offered by the various insurance providers is tabled below for your immediate perusal.

Apollo Munich Health Insurance	Upto 80 years
Bajaj Allianz General Insurance	Upto 99 years
Cholamandalam Travel Insurance	Upto 80 years
GO Digit General Insurance Limited	Upto 60 years
Future Generali India Insurance Co Ltd	Upto 80 years
HDFC Ergo General Insurance Co Ltd	Upto 70 years
Religare Health Insurance Company Limited	No Max Age Restriction
Reliance General Insurance Co Ltd	No Max Age Restriction
Royal Sundaram General Insurance Co Ltd	No Max Age Restriction
Tata AIG General Insurance Co Ltd	No Max Age Restriction

Senior Citizen Travel Insurance
Companies offering overseas travel insurance for senior citizens India
The Indian Senior Citizen travel insurance plan is specifically for older travellers normally about the age of 70 years. The best Indian Senior citizen travel insurance plan focuses primarily on Emergency Accident & Sickness cover, but also has Medical Evacuation, Repatriation, Passport loss, Baggage Loss/Delay etc.
Coverages Offered Emergency Accident & Sickness Reimbursement Medical Evacuation Repatriation of Remains Baggage Loss/Delay Passport Loss Personal Liability Flight Delay Emergency Cash Advance	Policy Exclusions Any Pre-existing Condition Routine physicals or other examination Elective, cosmetic, or plastic surgery Suicide, (AIDS), / (HIV) infection Under the influence of drugs, alcohol, or other intoxicants Loss arising out of War, civil unrest, Terrorism Congenital anomalies Participation in Adventure Sports Pregnancy related conditions