verified_user IRDAI Regulated Plans
Senior Citizen Travel Insurance India 2026 - Compare & Buy Plans Online
Senior citizen travel insurance gives medical coverage for travelers aged 60 - 99 years going abroad from India. Compare plans with coverage from $50,000 to $500,000 including pre-existing conditions in life-threatening situations, emergency medical evacuation and trip cancellation.
check_circleFrom ₹45/day
shieldUp to $500K Cover
boltInstant Policy
task_altPre-existing - Life threat cover
₹45
Starting per day
IRDAI
Licensed Partner
10K+
Trusted Travelers
Get Instant Senior Citizen Insurance Quote
Enter details below - compare plans in seconds
Why Buy With Us
Why Buy Senior Citizen Travel Insurance from India?
Protect your international trip with plans from India's most trusted insurers - better rates, local support, and wider coverage including pre-existing condition emergencies.
currency_rupee
Competitive Premium
Plans start at just ₹45/day. India-priced underwriting means significantly lower premiums with comprehensive senior-focused coverage.
local_hospital
Cashless Medical Coverage
Cashless hospitalization and emergency treatment up to $500,000 at top medical facilities worldwide - no upfront payments needed.
headset_mic
24×7 Global Assistance
Round-the-clock emergency helpline accessible anywhere in the world - staffed by multilingual experts for immediate help.
accessible
No Medical Tests Required
No medical reports or paperwork needed to buy senior citizen plans. Pre-existing conditions covered in life-threatening emergencies.
luggage
Travel Emergency Cover
Coverage for baggage loss, trip delay, passport loss, trip cancellation, and personal accident - complete protection beyond just medical.
bolt
Instant Policy Issuance
Pay online and get your policy document emailed immediately - valid across all visa requirements and widely recognized by embassies.
Compare Plans
Best Senior Citizen Travel Insurance Plans Comparison 2026
Compare the best senior citizen travel insurance plans for 2026. Coverage from $50,000 to $500,000 with benefits for pre-existing conditions, emergency medical evacuation and trip cancellation. Popular insurers include Tata AIG, Bajaj General, Care Health and IndusInd (earlier Reliance General).
Budget Plan
IndusInd
Travel Care Standard
₹109/per day
Lives Covered2,32,976
Claim Ratio20.5%
Policy Max$50,000
Deductible$100
Accident Cover$15,000
Passport Loss$250
Know More →
Popular
Bajaj General
Travel Companion Age Plan
₹117/per day
Lives Covered5,24,552
Claim Ratio80.2%
Policy Max$50,000
Medical Expenses$50,000
Pre-existing$2,500
Baggage Loss$200
Know More →
Care
Explore Gold 50K
₹143/per day
Lives Covered3,88,490
Claim Ratio48.5%
Policy Max$50,000
Deductible$75
Accident Cover$5,000
Passport Loss$200
Know More →
Best Value
TATA AIG
Silver Plan With Sublimits
₹219/per day
Lives Covered6,05,894
Claim Ratio58.90%
Policy Max$50,000
Deductible$100
Accident Cover$25,000
Passport Loss$250
Know More →
Pricing
What is the Cheapest Senior Citizen Travel Insurance from India?
₹45
per day
Starting price
You can get quotes starting from ₹45 per day for travel to the USA, Europe, Asia and other worldwide destinations. Compare senior citizen travel insurance plans based on your trip duration, age and coverage needs - choose a plan with the best coverage and claim support, not just the cheapest price.
search Compare Plans
If you have any doubts please contact us
+91-(80)-41101026
Key Criteria
What to Look for in a Senior Travel Policy?
Senior travelers need higher medical coverage, reliable assistance and pre-existing condition coverage
| Feature | Why It Matters for Senior Travelers |
|---|---|
| High Medical Coverage | Minimum $250,000 (preferably $500,000) - seniors are more prone to medical emergencies. Never less than $100,000. |
| Medical Evacuation | In case of emergency, medical facilities may not be available locally - patient may need transport to a neighbouring city or back to India. |
| No Medical Tests Required | Almost all insurance companies do not require medical screening prior to purchase - simplified onboarding process. |
| Pre-existing Condition Cover | Vital for seniors with diabetes, BP, heart conditions. Cover of at least $3,000 in life-threatening situations required. |
| 24/7 Assistance & Claims | In a medical emergency, seniors need all the help they can get - round-the-clock assistance is essential. |
| Sublimits Awareness | Most plans have sublimits for Room Rent, Doctor's Fees, Anaesthetist Fees etc. Plans without sublimits available at a slightly higher premium. |
| Certificate of Insurance | Should clearly capture Assistance and Claims Support contact details to reach in case of emergency abroad. |
⚠️
Sublimits AdvisoryIf you purchase a $100,000 plan, the full $100,000 is not available in case of a medical emergency - sublimits apply for Room Rent, Doctor's Fees, Anaesthetist Fees etc. Ask specifically about plans without sublimits.
Important
Understanding Pre-Existing Conditions
A pre-existing condition means any condition, ailment or injury 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.
What this means for travelers
If you're traveling abroad with a pre-existing condition and avail of any treatment abroad, the insurance company will not be liable for paying the claim - unless the plan includes specific pre-existing life-threatening emergency cover. We offer overseas mediclaim insurance with options for including pre-existing illness coverage.
✓ Covered
Life-threatening emergency
Sudden critical episode requiring hospitalization abroad - covered up to specified limit
ℹ️ Limited
Chronic condition management
Add-on cover available from select insurers like Bajaj General for enhanced protection
✗ Not Covered
Routine treatment & medication
Regular medication refills, routine check-ups, and non-emergency visits are excluded
Important Disclosures
- o Medical Expenses in life threatening conditions, will be covered unless the Pre Existing conditions are “declared” upfront while issuing the policy – if not declared, no coverage will be available
- o If the Pre Existing conditions are not declared completely, or not declared at all, and a claim arises from such a condition, the insurance company has an option to cancel the policy citing misdeclaration by the insured
- All insurance companies do not limit or restrict the number of Pre existing conditions to be declared, so it is important for the insured member to declare all such conditions without hesitation. It also helps if the insured member is hospitalised abroad, this information is useful for the treating doctors/physicians.
Simple Process
How to Buy Online?
As per IRDAI guidelines, travel insurance must be purchased before leaving India
1
Fill the Quote Form
Enter age, travel dates, destination and coverage needs
2
Compare Plans
View side-by-side plans from Tata AIG, Bajaj, Care Health, IndusInd (earlier Reliance General)
3
Secure Payment
Credit/debit card, UPI, net banking or NEFT/RTGS
4
Get Your Policy
Download instantly by email - ready for visa application
Already outside India?
As per IRDAI legal guidelines, you must buy International Travel Insurance before leaving India. If you have already traveled without purchasing, contact eIndiaInsurance at +91-(80)-41101026 - our staff will try to get insurer approval for post-departure travel insurance.
By Age Group
Senior Citizen Travel Insurance by Age Group
Travel Insurance for Ages 60 - 70 Years
Travelers aged 60 - 70 have more travel insurance options and competitive premiums. Most insurers offer plans with higher medical coverage and broader benefits for this age group. Popular providers include Tata AIG, Bajaj General, IndusInd (earlier Reliance General) and Care Health at competitive rates. Some popular plans are Tata AIG's Gold Plan, Bajaj General's Travel Companion and Travel Prime, IndusInd's Platinum plan and Care Health's Explore Platinum.
- Medical coverage ranging from $50,000 to $500,000
- Coverage for pre-existing conditions in life-threatening situations usually between $2,500 and $10,000
- Premiums starting from about ₹38 - ₹80 per day for Asia trips and ₹80 - ₹150 per day for travel to the USA
Travel Insurance for Ages 71 - 80 Years
Travelers between 71 and 80 years can still obtain strong coverage through specialized senior citizen travel insurance plans. While premiums increase with age insurers continue to provide medical protection for international trips.
- Medical coverage for this age group typically ranges from $50,000 to $100,000
- Premiums generally range from ₹45 - ₹100 per day for Asia and ₹150 - ₹250 per day for USA travel
- Recommended plans include Tata AIG's Senior Plan, Bajaj General's Travel Ace Senior plan, IndusInd's Senior plan
Travel Insurance for Ages 81+ Years
For travelers above 80 years plan availability becomes limited and coverage is more basic. Policies are designed primarily to cover emergencies and hospitalization during international travel.
- Medical coverage is usually available up to about $50,000
- Premiums typically range from ₹100 - ₹150 per day depending on destination and duration
- Suggested plans include IndusInd's Senior plan, Bajaj General's Travel Prime Super Age plan, Tata AIG's Super Senior plan
Coverage
Benefits of Senior Citizen Travel Insurance
| Benefit | What It Covers | Why It Matters for Seniors |
|---|---|---|
| Emergency Medical Coverage | Hospitalization, doctor visits, tests, medicines, surgery due to illness or injury abroad | Medical treatment overseas can be very expensive. Seniors have higher chances of needing care so this coverage prevents large out-of-pocket expenses |
| Coverage for Pre-Existing Conditions | Life-threatening emergencies arising from existing conditions like diabetes, BP, heart issues (up to sub-limits) | Many seniors already have health conditions. Insurance helps manage complications during travel |
| Medical Evacuation | Transport to nearest suitable hospital or back to India via commercial flight or air ambulance | Ensures proper treatment if local facilities are inadequate or continued care is needed in India |
| Repatriation of Remains | Covers cost of bringing mortal remains back to India in case of death abroad | Protects families from very high international repatriation expenses |
| Trip Cancellation | Reimbursement of non-refundable flight, hotel and tour costs if trip is cancelled due to medical or covered reasons | Seniors often plan trips in advance. This protects money if travel plans change unexpectedly |
| Trip Delay or Interruption | Covers additional hotel, food and travel expenses due to delays or early return | Helps manage unexpected disruptions during travel |
| Baggage Loss/Delay | Compensation for lost baggage or essential purchases during baggage delay | Useful support if luggage is delayed or lost during long international journeys |
| Passport Loss Assistance | Helps with emergency cash and guidance to obtain passport | Losing a passport abroad can be stressful especially for elderly travellers |
| 24/7 Assistance Services | Access to emergency helpline, hospital network and claim support worldwide | Seniors get immediate help in medical or travel emergencies anytime |
| COVID-19 Coverage | Covers hospitalization and treatment due to COVID-19 (as per policy terms) | Provides protection against COVID-related medical costs while traveling |
| Cashless Hospitalization | Direct settlement of bills at network hospitals abroad | Reduces need for seniors to arrange large payments during emergencies |
| Policy Extension Option | Ability to extend policy if travel duration increases unexpectedly | Helpful if seniors need to stay longer due to health or family reasons |
Guidance
How to Choose the Best Senior Citizen Travel Insurance
Select the right travel insurance plan for senior citizens before traveling abroad.
local_hospital
Medical Protection
- Choose at least USD 100,000 medical coverage for USA/Canada trips
- For Europe/Asia select USD 50,000 - 100,000 minimum coverage
- Ensure hospitalization, doctor visits, medicines and diagnostics are covered
- Check if the plan has no or low sub-limits on room rent and treatment
- Confirm cashless hospitalization at network hospitals
health_and_safety
Pre-Existing Medical Conditions
- Verify coverage for emergencies due to pre-existing conditions
- Compare sub-limits for diabetes, BP and heart-related issues
- Read policy wording for exclusions and waiting periods
- Check if medical reports are required
person
Age Eligibility
- Confirm maximum entry age for the plan
- Choose a dedicated senior citizen plan
- Check coverage availability for ages 60 - 99 years
emergency
Emergency Support
- Ensure emergency medical evacuation coverage
- Check repatriation to India coverage
- Verify 24/7 global assistance helpline
- Confirm hospital admission support abroad
flight_takeoff
Trip Protection Benefits
- Look for trip cancellation coverage
- Ensure trip delay/interruption benefits
- Check baggage loss or delay coverage
- Confirm passport loss assistance
public
Destination Requirements
- For Schengen countries ensure €30,000 coverage
- Confirm policy duration matches your trip
- Check visa requirements for your destination
currency_rupee
Premium & Value Comparison
- Compare plans across insurers using our compare tool
- Don't choose based on price alone
- Higher premium with better coverage is safer
- Check deductible/excess amount
assignment_turned_in
Claims & Support
- Review insurer's claim settlement record
- Understand the claim process before buying
- Check cashless + reimbursement options
- Ensure easy online claim filing
Simple Process
How to Buy Senior Citizen Travel Insurance Online?
1
Fill the Quote Form
Enter your age, travel dates, destination and coverage needs in our quick online form above.
arrow_forward
2
Compare Plans
View side-by-side comparison of senior plans from Tata AIG, Bajaj General, Care Health, IndusInd (earlier Reliance General) and more.
arrow_forward
3
Secure Payment
Pay safely via credit/debit card, UPI, net banking, or NEFT/RTGS. All transactions are encrypted.
arrow_forward
4
Get Your Policy
Download your policy document instantly by email - ready for your visa application and travel.
Mandatory insurance
Is Senior Citizen Travel Insurance Mandatory?
Travel insurance plans for senior citizens may vary from one company to another. Use the eindiainsurance compare tool to compare the best plans and buy the policy online. Regular Indian health insurance policies generally do not cover medical expenses outside India - senior travelers must purchase travel insurance to cover hospitalization, emergency treatment, evacuation and other travel risks abroad.
By Destination
Senior Citizen Travel Insurance by Destination
flight
Senior Citizen Travel Insurance for USA
The USA requires higher medical coverage. A minimum coverage of around $250,000 is recommended. Medical treatment in the USA can be extremely expensive. Popular plans for USA travel include TATA AIG Gold and Bajaj General Travel Prime plans.
public
Senior Citizen Travel Insurance for Europe (Schengen)
Travel insurance is mandatory for obtaining a Schengen visa. The policy must provide coverage of €30,000. Popular plans for Europe travel include TATA AIG Silver Plan and Senior Plan; for Bajaj General, Travel Prime and Travel Ace plans.
travel_explore
Senior Citizen Travel Insurance for Asia
Asia is generally affordable for senior citizen travel insurance. Coverage between $50,000 and $100,000 is usually sufficient. A popular plan for Asia is Explore Asia from Care Health Insurance Company.
Health Conditions
Travel Insurance for Seniors with Specific Health Conditions
Travel Insurance for Seniors with Diabetes
Senior travelers with diabetes can travel abroad safely. They need to pick a travel insurance plan that offers medical coverage and emergency help. Most travel insurance plans do not cover routine diabetes treatment. They do cover situations where diabetes suddenly gets very bad and needs immediate hospital care - this coverage is called onset or emergency complications of pre-existing conditions or life threatening condition.
Ideally choose coverage of $100,000 or more for trips outside the US, and even higher for trips to the USA or Canada. Also check the sub-limits for pre-existing conditions. Check if the policy covers hospital stays, doctor visits, insulin-related emergencies, and diagnostic tests during a crisis. It is ideal to carry insulin, prescriptions, and a doctor's note. Tell the insurer about your diabetes accurately when you buy the plan. You should read terms and conditions of the policy before you purchase.
Travel Insurance for Seniors with Heart Conditions
Senior citizens who have heart conditions like a heart attack or bypass surgery need to pick travel insurance that has good emergency medical coverage. Regular check-ups and follow-ups are not covered by the insurance. If your heart condition becomes very serious and you need to go to the hospital most senior travel insurance plans will give you some coverage - this may include emergency treatment, stabilization and sometimes medical evacuation.
If you have a heart condition you should choose a plan with coverage of $100,000 to $250,000 or more, especially if traveling to a country where healthcare is very expensive. Always tell the truth about your medical history when you buy the policy. Carry recent medical reports, prescriptions and emergency contact details. You should read terms and conditions of the policy before you purchase.
Travel Insurance for Seniors with High Blood Pressure
High blood pressure is a common problem for older travelers. Most travel insurance policies do not pay for daily blood pressure medication or regular doctor visits. However, they may help pay if you have a problem like a stroke, heart attack or very severe hypertension that requires hospitalization.
If you are a senior with high blood pressure, pick a policy with good medical coverage and minimal hospital stay sub-limits. Have a policy that covers at least $100,000 when you travel internationally. Take your medicine on time, avoid excess salt while traveling, and stay hydrated on long flights. When buying insurance, disclose your blood pressure condition accurately so that if you have an emergency it will be easier to get help from the insurance company. You should read terms and conditions of the policy before you purchase.
Claims
Senior Citizen Travel Insurance Claim Process
Filing a claim is simple if steps are followed during an emergency abroad. Most insurers provide 24/7 assistance. Acting quickly and keeping documentation helps ensure faster settlement.
1
Contact Emergency Assistance
In case of hospitalization, accident or serious illness contact the insurance company's 24/7 assistance number. Inform them about policy number, traveler details and emergency.
2
Seek Treatment at Network Hospital
Visit a hospital within the insurer's network for cashless treatment. The assistance team will coordinate directly with the hospital.
3
Inform for Non-Medical Claims
Notify the insurer within 24 hours for claims related to baggage loss, passport loss, trip delay or trip cancellation.
4
Collect Required Documents
Keep all documents related to the incident. For medical claims this includes hospital bills and prescriptions.
5
Submit Claim Form
Complete the insurer's claim form online or through email after returning to India. Attach all required documents.
6
Claim Review and Settlement
The insurer will review documents. May request additional information. Reimbursement claims are settled within weeks.
lightbulbAlways inform the insurer before major treatment and keep copies of all documents.
Travel Tips
Tips for Senior Travelers Going Abroad
medical_services
Health Preparation
- Consult your doctor before travel, especially if you have diabetes, heart conditions, BP, or other ongoing health issues
- Carry sufficient prescription medicines for the entire trip plus extra for delays
- Keep medicines in original packaging and carry prescriptions in hand luggage
- Carry a medical summary with blood group, allergies, and emergency contacts
- Follow medication timing based on destination time zone
shield
Insurance & Documents
- Purchase comprehensive travel insurance with high medical coverage and emergency evacuation benefits.
- Declare all pre-existing medical conditions completely and accurately before purchasing the policy to avoid claim rejection or policy cancellation due to non-disclosure.
- Save the insurer's 24/7 emergency assistance number on your phone and carry a printed copy of the policy.
- Keep copies of your passport, visa, travel insurance policy, and tickets in both printed and digital formats.
- Save contact details of family members and the nearest Indian embassy or consulate.
- Retain all medical bills, reports, prescriptions, and supporting documents required for insurance claims.
luggage
Travel Comfort
- Travel light and use luggage with wheels to avoid strain
- Wear comfortable shoes and clothing for long flights and airport walking
- Request wheelchair or airport assistance in advance if needed
- Choose flights with longer layovers to avoid rushing between terminals
- Select hotels close to city centers or public transport for convenience
self_improvement
During Your Trip
- Stay hydrated during flights and avoid heavy meals before travel
- Avoid overexertion; plan sightseeing with rest breaks
- Keep emergency cash and international card accessible
- Use hotel safes for passports and valuables
- Inform family about your itinerary and hotel details
- Report medical emergencies to the insurance assistance team immediately
Frequently Asked Questions
Frequently Asked Questions About Senior Citizen Travel Insurance
Get clear answers to common queries before buying your senior citizen travel insurance
The best senior citizen travel insurance depends on your age, destination and medical needs. If you are traveling to the USA, Canada or Europe choose plans that offer at least $100,000 medical coverage. Also look for emergency evacuation and coverage for pre-existing conditions. Popular insurers for seniors include Tata AIG, Bajaj General, ICICI Lombard, Care Health and IndusInd (earlier Reliance General). Compare plans based on coverage, medical sublimits, deductible and claim support.
Senior travelers should buy at least $100,000 coverage for destinations like the USA, Canada and Europe. For high-cost countries like the USA, $250,000 - $500,000 coverage is recommended. Medical treatment abroad is very expensive. Higher coverage ensures protection against hospitalization, surgery or emergency evacuation.
Yes, travel insurance premiums increase with age. The other parameters to consider for premium calculation are the duration of stay and the visiting country. This is because the likelihood of claims is higher. A 70-year-old traveler will pay more than a 25-year-old for the same destination and duration. However, insurance is essential at all ages. Medical emergencies abroad can cost thousands of dollars.
Standard travel insurance plans cover travelers up to age 70. After that insurers offer senior citizen plans that cover travelers from 71 to 80 years. Some plans extend coverage up to 90 or 99 years. Coverage limits and premiums vary based on age and health condition.
Travel insurance is mandatory for Schengen visa countries in Europe. For destinations like the USA, Canada and the UK it is not mandatory but strongly recommended. Travel insurance plans for senior citizens may vary from one company to another. The traveller can go through the Eindiainsurance compare tool to compare the best plans and buy the policy online.
No. Regular Indian health insurance policies generally do not cover medical expenses outside India. Senior travelers must purchase travel insurance to cover hospitalization, emergency treatment, evacuation and other travel risks abroad.
Most senior travel insurance plans cover pre-existing conditions only in life-threatening emergencies. For example if diabetes or a heart condition suddenly becomes critical and requires hospitalization, treatment may be covered up to a specified limit. Routine treatment and medication are not covered.
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 General 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
IndusInd (earlier Reliance General) 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
Bajaj General 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
IndusInd (earlier Reliance General) 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.
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.
Sublimits are caps or coverage restrictions on medical expenses within the total sum insured. For example if you buy a plan of $50,000 sum insured which has sub limits, there are restrictions on hospital room rent, ICU, surgery, ambulance and more depending on the plan chosen. You can waive these coverage restrictions by paying a little more and getting a plan without medical sublimits.
Yes, most of the travel insurance plans include COVID-19. Medical expenses due to COVID-19 are covered as any other illness. Coverage varies by insurer so it's essential to check policy details before buying.
Yes, most senior travel insurance policies can be extended before expiry if the traveler is still abroad and in good health. Extensions are usually allowed up to a total trip duration of 180 - 360 days depending on the insurer and plan type.
No, you do not need to submit any medical reports or do any paperwork to buy the senior citizen plans.
If a serious medical emergency occurs abroad and continued treatment is required in India, the insurer may arrange evacuation by flight or air ambulance. This benefit covers transportation costs up to the policy limit. Must be approved by the insurer's medical team.
Yes, many plans offer trip cancellation coverage as an add-on or included benefit. If the trip is cancelled due to illness, hospitalization or visa rejection the policy may reimburse non-refundable expenses like flights and hotels. The claims will be settled as per terms and conditions of the policy.
In an emergency, contact the insurer's 24/7 assistance number listed on the policy. They will guide you to a network hospital for cashless treatment. If you pay upfront, keep all bills. Submit them after returning to India for reimbursement. Claims are usually processed within a week after document submission.
When choosing a plan consider: a good insurance provider and plan, medical coverage ($100K - $500K), coverage for pre-existing conditions, emergency evacuation and repatriation, cashless hospitalization, and a good claim settlement record. Choosing a plan based on coverage and claim support is more important than choosing the cheapest option.
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.
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.
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.
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.
Customer Reviews
Trusted by Thousands of Indian Travelers
★★★★★
I felt happy to have a travel insurance from you. I could easily compare all the companies and based on my requirement select the right one. Everything was smooth and instant.
M
★★★★★
This is to convey our gratitude to the customer support team for guiding us very well in procuring our overseas travel insurance. Highly professional and responsive.
V
★★★★★
Thank you very much for the cooperation and support in updating our travel dates on the policy. Appreciate the quick turnaround - highly recommend eindiainsurance!
R
Useful links
India Travel Insurance Useful Links
shopping_cart
How to buy online?
You can buy insurance online by using a credit/debit card, UPI, direct funds transfer using NEFT or RTGS or by using a cheque.
Read more
flight
Already outside India
Travelers who have already traveled from India and do not have insurance can buy travel medical insurance after approval.
Read more
autorenew
Online Renewal
Insurance customers can renew their existing policy online before the expiry date at any time.
Read more
stylus
Insurance Claims
In case of a claim or reimbursement of treatment expenses, notify by contacting them.
Read more
topic
Tips on air travel
Tips on Air Travel - Safety, Comfort and Wellness. Air travel tips for first time.
Read more
quiz
How are Claims settled?
Are travel insurance directly billed or is it reimbursement basis, is there a hospital network.
Read more
article
How does travel insurance work
How to use Indian visitor insurance in case of sudden sickness and accidents.
Read more
note_alt
Healthcare cost overseas comparison
Comparison of healthcare cost in Indian and other popular Indian tourist destinations.
Read more
lists
Tips to find best travel insurance
Tips to find good and adequate international travel insurance from finest insurance companies in India.
Read more
Resources
India Travel Insurance Blog and Articles
health_and_safety
Tips to find best travel insurance
Tips to find good and adequate international travel health insurance.
Read more
difference
Health care cost comparison
Comparison of overseas Healthcare cost and popular tourist destinations.
Read more
flight_takeoff
How does travel insurance work
How to use visitor insurance in case of sudden sickness and accidents.
Read more
airplane_ticket
Visa free countries for Indians
Visa free countries for Indians - Check, list of visa free countries where Indian passport holders can travel without visa.
Read more
card_travel
Visa on arrival for Indians
Indian passport holders have the benefit of visa on arrival in different countries - find travel insurance suitable for visa on arrival.
Read more
Insurance Providers
Senior Citizen Travel Insurance Providers
IRDAI LICENSED
Insurance companies offering senior citizen travel insurance
Travel with Confidence
Get Senior Citizen Travel Insurance
Get Senior Citizen Travel Insurance
in Under 3 Minutes
Compare plans for senior citizens from India’s top insurers. Coverage for medical emergencies, trip delays, baggage loss & more. Instant policy issuance with 24×7 support.
IRDAI Licensed
Senior-Friendly Coverage
Instant Policy
4.8/5 Customer Rating
keyboard_arrow_up