An archetypal travel medical insurance caters to individuals travelling abroad who also wish to safeguard their overseas as well as inland trips. The security is provided through an insurance cover plan. This is known to be one of the most excellent, sensible and astute ways to alleviate financial risk in case of an unforeseen situation.

Having a travel health insurance handy will cover and protect you against all kinds of health risks while you travel around. It ensures both medical and travel risk cover. For example, the plan provides an individual with cover for hospitalization in case of an emergency hospitalization overseas. The policy will also ensure provision for evacuation. Here, you would be transported back to your home country in case of an emergency. Here, the former example can be recognized as the medical aspect of the insurance plan whereas the latter can be ascribed to the travel aspect of the plan.

What’s Covered?

An archetypal travel medical insurance will provide you with the following core cover:

• Protection cover against accidents

• Protection cover against sudden illness

• Protection cover against certain emergencies such as loss of belonging and delays in schedule

Furthermore, overseas travel medical insurance plan will provide you the reimbursement in the event of dismemberment or accidental death during the travel plans. However, there are certain exclusions to this feature such as people engaging in adventurous sports are exempted from receiving the benefit. These days, many insurance corporations have started offering the cover for this as well by charging an additional premium.

All travel insurance holders are protected round the clock on their trip. The best part is that the cover span starts the moment the insured get on the supposed journey. However, it is still extremely important to take care of the fact that in the event where an individual decides to discontinue the journey specified, the insurance company will not offer cover to the provider in any case.

What’s not covered?

Some of the occurrences are covered by travel health insurance plan in India. These include the following listed below:

• War

• Attempt at self-destruction such as suicide

• Terrorism

• Nervous problems

• Mental problems

• Physiological problems

Apart from all that is mentioned above, it is important to read and understand the conditions specified by the insurance provider in the policy document. Also, these conditions should be adequately so as to claim the benefits. You should take good care of the above listed facts regarding travel insurance plan. These factors will help you a lot in choosing the best policy and when making claims.