Senior Citizen Travel Insurance

Benefits

A senior citizen travel insurance covers the insured against medical expenses arising from any sudden illness, injury or accident occurred during the trip. Some insurance companies also provide cover against pre-existing ailments. This travel insurance also provides cover against travel related eventualities such as delay/loss of baggage, loss of passport, and trip delay/cancellation. Typically, a senior citizen travel plan also provides personal accident and personal liability cover during the travel.

A travel insurance plan for seniors provides a comprehensive cover against all sorts of unexpected losses when travelling.

Coverage Available

Following are the coverage available under a senior citizen travel insurance policy.

Emergency Medical Treatment: Seniors have higher chances of getting ill and at any time, they may require emergency medical care. A senior citizen travel insurance covers expenses incurred for availing emergency medical assistance due to any illness/injury sustained while travelling. Some insurance companies also cover expenses incurred towards emergency dental pain relief. With the health coverage available, you can enjoy the trip with your friends and family.

Emergency Medical Treatment: Seniors have higher chances of getting ill and at any time, they may require emergency medical care. A senior citizen travel insurance covers expenses incurred for availing emergency medical assistance due to any illness/injury sustained while travelling. Some insurance companies also cover expenses incurred towards emergency dental pain relief. With the health coverage available, you can enjoy the trip with your friends and family.

Trip Cancellation/Interruption: There are times when Travelers have to cancel their trips for any one of the reasons such as injury or illness of insured, natural disaster, traffic accident prior to trip and many others. A senior citizen travel insurance plan reimburses your pre-paid and non refundable expenses, in case you cancel the trip. Sometimes, travelers also have to end their trip and return home, this travel insurance covers expenses such as unused trip costs, cost incurred in return transportation, etc.

Loss/Delay of Baggage: A baggage may be lost, damaged or stolen during travel. This travel insurance policy provides cover for the items inside or the luggage itself. In case of loss of baggage, the insurance company also helps recover the baggage. In case of delay of baggage, a senior citizen travel insurance policy reimburses you for purchasing the essentials.

Loss of Passport: Losing your passport creates several crucial issues during the travel. In case of loss of passport, this policy covers expenses incurred towards obtaining a fresh passport or copy of passport.

Personal Liability: It covers you against compensation for damages to a third party, including bodily injury, death or damage to property, is covered under this travel insurance policy.

Accidental Death and Dismemberment (AD&D): Under a senior citizen travel insurance, you can get cover against death or disability caused by accident, whilst on a trip.

Repatriation of Remains: In the event of unfortunate demise of the insured during the travel, the cost incurred towards transportation of remains to the home residence is covered.

Emergency Medical Evacuation: It covers the insured for the transportation services in case you need to be evacuated to a nearby medical facility. Some travel plans cover transportation cost incurred while bringing the insured to a hospital in his/her home country.

Hijack: In the event of hijack of a common carrier in which the insured is traveling during a trip, some insurance companies offer the hijack distress allowance.

Financial Emergency Assistance: In the event of any financial emergency arising due to theft, robbery, or dacoity of the money of the insured, an amount is payable as applicable under the policy.

Home Burglary: In the event of burglary/attempted burglary to the contents of insured’s home in India, a sum as compensation is payable, subject to the terms applicable under the policy. Some insurance companies are offering Home Burglary Insurance.

24x7 Assistance: Under this travel insurance policy, you can avail round-the-clock assistance, in case of any problem during the trip such as emergency medical care, track lost luggage, trip cancellation, and many others.

(The coverage available may differ from one plan to another.)

Benefit Illustration

Let’s understand the benefits of a senior citizen travel insurance policy with the help of an illustration.

In case, you have opted for Bajaj Allianz Travel Elite, you can get coverage for the following scenarios.

Medical Expenses, Evacuation & Repatriation: Under this policy, the expense incurred against medical Expenses, medical evacuation & repatriation of remains are covered up to US $5,00,000. Emergency Dental Pain Relief is also covered up to US $500.

Personal Accident: Compensation against Personal Accident is available up to US $25,000.

Accidental Death and Dismemberment (AD&D)- Common Carrier: This policy provides cover for Accidental Death and Dismemberment and is available up to US $5,000.

Loss/Delay of Checked Baggage: The expenses incurred due to loss of checked baggage is covered up to US $1,000. Delay of Baggage is also covered up to US $100.

Loss of Passport: It is covered up to US $250.

Trip Cancellation/Delay: Trip cancellation is covered up to US $1,000. Trip Delay is covered up to US $30 per 12 hrs to max $180.

Personal Liability: This policy covers compensation for damages to a third party up to US $2,00,000.

This policy also provides cover for Emergency Cash Advance, Golfer Hole-in-one, Hospitalization Daily Allowance, Hijack, etc.

Student Travel Insurance General Exclusions

• Any pre-existing medical condition or complication arising from it
• Medical expenses after the expiry of the policy period
• Suicide or attempted suicide
• Self-inflicted injury or illness
• Mental disorder, anxiety or depression
• Experimental or unproven treatment
• Venereal diseases, etc

Note:The exclusions again may vary from plan to plan.