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Planning a dream trip for your senior parents or grandparents? As senior citizens embark on international journeys, ensuring their health and safety becomes paramount. Understanding the unique risks faced by older travelers, especially concerning medical emergencies and high overseas healthcare costs, makes comprehensive travel insurance for seniors an absolute necessity. At eindiainsurance.com, we specialize in finding the best senior citizen travel insurance plans to ensure their trip is filled with joy, not worries
| Feature | Why It Matters? |
|---|---|
| High Medical Coverage | Minimum Medical coverage of $250,000, preferably $500,000 required since Seniors are more prone to medical emergencies |
| Medical Evacuation Coverage | In case of a medical emergency, sometimes medical facilities may not be sufficiently available at the location and they may need to be transported to a neighbouring city or back to India for treatment |
| No Medical Tests prior to Travel | Almost all insurance companies do not have medical screening prior to purchase of Travel Insurance – simplified onboarding process |
| Pre-existing Condition cover | Vital for Seniors who may have pre existing conditions like Diabetes, BP, Heart conditions etc |
| 24/7 Assistance and Claims Support | In a medica emergency they need all the help they can get |
Given the close family ties that Indians retain despite living in different parts of the world, it is common to find Indian senior citizens traveling overseas. Older travellers quite often have pre-existing medical ailments and therefore have unique needs in their overseas travel insurance plans.
We have identified the Indian overseas travel insurance plans that are specially designed as travel insurance for senior citizens.
Here is some perspective on pre-existing conditions which is very relevant in travel insurance for older travellers. A pre-existing condition means any condition, ailment or injury or related condition(s) for which the insured had signs or symptoms, and / or were diagnosed, and / or received medical advice/ treatment, within 48 months prior to commencement of the first Policy issued by the Insurer.
This means that if the insured is traveling abroad with a pre-existing condition and avails of any treatment abroad, the insurance company will not be liable for paying the claim. On eIndiaInsurance, we have overseas mediclaim insurance for older travellers with options for including a pre existing illness coverage.
Older Traveller Overseas mediclaim insurance » Travel insurance tips »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.
One of the factors that determine the insurance premium is the age of the traveller apart from the duration of travel, destination country and the Accident & Sickness Sum Insured opted for. This means that the premium payable for a 70 year old traveller will be higher than that of a 35 year old assuming they are both opting for the same coverage, and visiting the same destination country for the same duration of time. Based on historical data, there is a propensity for more frequent and larger medical claims as the age of the traveller increases.
Having said that, it is important to note that irrespective of the premium difference, it is critically important for both the 70 year old and 35 year old traveller to remain insured on their international trip. There could be a medical or non-medical emergency that hits them unexpectedly and the insurance coverage will come in handy to deal with the financial loss from such an emergency. An unplanned medical emergency could set the traveller back by a few thousand $ USD or £ GBP or € Euros, which can be managed through an insurance plan.
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.
| Bajaj Allianz General Insurance | Upto 99 years |
| Cholamandalam Travel Insurance | Upto 80 years |
| Future Generali India Insurance Co Ltd | Upto 80 years |
| Care 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 |
Most insurance companies have a maximum entry age of 70 years on the date of commencement of travel for their Standard Plans. But almost all of them have a Senior Citizen Plan which is for travelers from 71 to 99 years/No Max Age Restriction of age and hence the traveler can avail this specific plan for their travel.
| Travel Insurers | Age Criteria |
|---|---|
| Bajaj Allianz General Insurance |
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| Cholamandalam Travel Insurance |
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| Future Generali India Insurance Co Ltd |
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| Care Health Insurance Company Limited |
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| Reliance General Insurance Co Ltd |
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| Royal Sundaram General Insurance Co Ltd |
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| Tata AIG General Insurance Co Ltd |
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Travel Insurance for Senior Citizens are policies designed specifically for individual travelers aged above the age of 60 years. Almost all insurance companies have the same categorisation for Senior Citizen plans. All Senior Travel Insurance plans offer both Medical and Non Medical coverages including Baggage Loos/Delay, Passport Loss, Trip Cancellation etc. Given the exorbitant cost of medical treatment in all Western Countries, it is strongly recommended that older travelers have sufficient Travel insurance when they travel abroad.
No, Travel Insurance is not mandatory in most countries where Senior Indian travelers are visiting, except in the Schengen Countries across Europe where it is mandatory for obtaining a visa prior to their travel. Some countries like Australia have made it mandatory for senior travelers above 70 years to have Travel Insurance when they visit. However irrespective of it being mandatory or not, it is strongly recommended that all Senior Citizens, purchase sufficient insurance coverage when traveling outside of India.
No, your local Indian health insurance policy will NOT cover medical expenses incurred outside India. It is imperative for Senior citizens to purchase travel insurance while traveling abroad to cover health emergencies following a sickness or accident and other non medical travel risks while abroad.
Given that most senior citizens have some Pre Existing medical condition, given their age, it is important for them to verify and ensure their senior travel insurance policy covers PEC. Most Indian Insurance policies do not cover PEC, but offer a limited sum insured for Life Threatening Situations due to the Pre Existing Condition. This means that if a stable pre-existing condition (e.g., diabetes, hypertension, heart condition) suddenly explodes into a life threatening situation requiring immediate medical attention, the policy will cover the treatment up to when the traveler is “medically stabilised” upto the specified sublimit.
Upper Age limits vary significantly between different insurance providers and plans. Many plans cover up to age of 80 years and some plans are available for travelers even up to 99 years of age, though coverage limits and premiums may differ.
The medical coverage actually required for senior citizens is generally higher than for younger travelers, given the cost of healthcare abroad and the senior susceptibility while traveling abroad. One should purchase a policy with a minimum Sum Insured of USD $100,000 which can extend upto USD $500,000
Sublimits are specific caps within your overall policy coverage for a few defined medical expenses (e.g., a limit for hospital room rent, or a cap on Doctor's or Anaesthetist fees). Many insurers now offer insurance plans without Submlimits, although at a higher premium. This Non Sublimit plan ensures that all major medical expenses are covered up to the full policy maximum, significantly reducing your out-of-pocket expenses.
Yes, all senior citizen travel insurance plans across various travel insurers on eindiainsurance.com now include coverage for medical expenses incurred due to COVID-19, including hospitalization and quarantine, subject to policy terms and conditions.
Following a medical emergency, if your parent needs continuous ongoing medical care, the physician abroad may recommend that the insured be evacuated back to India for the continuous treatment. This Medical Evacuation covers the costs of transporting your loved back to India either on a commercial aircraft or an air ambulance and is covered under the Senior Citizen Travel Insurance plan. Normally this evacuation has a specified limit of sum insured.
In case of a medical emergency abroad, immediately reach out to the Assistance Company’s 24/7 emergency assistance Toll/Toll Free number, which is printed on the policy certificate. They will support you to receive cashless hospitalization at network hospitals or reach a medical facility for outpatient treatment.
Yes, the senior citizen travel insurance plans can be extended upto a maximum cumulative duration of 365 days, subject to approval of the insurance company. This extension is subject to your parents being in good health and not filing a claim in the policy period already passed. Contact your insurer atleast 7-10 days before expiry of your policy to ensure an extension.
Almost all insurance companies do not have a pre travel medical check up prior to issuing a travel policy. If however based on the medical declaration by the traveler, the insurer may seek additional medical reports before according approval for coverage.
| Companies offering overseas travel insurance for senior citizens India |
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| 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 | Policy exclusions |
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