Why You Should Opt For a Travel Medical Insurance HDFC Life

 

Travelling abroad is exciting and is meant for a stress free and carefree living. But, do not overlook the fact that even during your fun times, you can get injured or fall sick. Hence keeping yourself prepared is a must.

Any travel preparation is incomplete without taking into account medical emergencies. And, that's where having a travel medical insurance helps.

Travel medical insurance offers coverage on medical expenses while travelling outside your home country. It is a good option if you are planning a vacation where your personal health insurance wouldn't suffice.

A travel medical insurance covers your medical expenses or provides medical coverage when you travel, study or live outside the country of origin. A good fit for students who need short-term coverage, a travel medical insurance is affordable and economical.

What all Travel Medical Insurance cover? 

• Medical emergency care
• Hospitalisation, medical costs and prescribed drugs
• Charges on dental or surgical expenses
• Accidental medical care

There are also additional coverage on your travel medical insurance provided by some insurance companies:

• Legal assistance
• Emergency evacuation
• Repatriation in case of illness, accident or death

Travel medical insurance vs Travel insurance

While both Travel medical insurance and a travel insurance have similar and overlapping benefits; the former especially caters to medical needs while you are away. Unlike other countries, insurers in India have clubbed the benefits of both into one.

Basically, your travel medical insurance includes insurance for your lost baggage, delayed flights, cancelled flights, theft, and much more. Further, your health benefits and travel insurance costs are covered under travel medical insurance policy.

You can purchase a travel medicare care insurance policy either online or via a company. However, before you take that step, ensure your policy covers international medical emergency costs. Analyse or scan the list of network hospitals, toll-free numbers, and person to contact in case of an emergency.