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Life and work often bring about significant stress, making it crucial to take breaks and unwind. Travelling provides an excellent opportunity to escape daily pressures, allowing you to decompress and establish a connection with yourself. However, unforeseen events like a family member falling ill can disrupt your travel plans, emphasising the importance of travel health insurance. You can manage your policy on the go by downloading a travel insurance app.
Table of Contents
Cancellation Of Trip Due To Illness
Unexpected health issues can lead to the cancellation of meticulously planned trips. International travel online health insurance is invaluable in such situations, covering last-minute cancellations for specified reasons, including a family member’s illness. This coverage extends to compensating for expenses like hotel rooms, tour guides, and prepaid tickets. Claims are subject to terms and conditions set forth under the travel insurance policy. *
Reduction Of Trip – Dealing With Emergencies
When emergencies force an ongoing trip to end prematurely, it’s called trip curtailment. This can occur if a family member is admitted to the network hospital or, in unfortunate cases, passes away. Online travel insurance helps by covering the unused costs of pre-booked arrangements when you have to return to India due to an emergency, with approval depending on the reason for the forced return. *
A Caring Visit For The Policyholder
Certain travel health insurance plans include a compassionate visit benefit, enabling a family member to visit you if you fall ill while studying or travelling abroad. Moreover, suppose a close family member needs medical attention during your overseas stay. In that case, the insurance company may cover your return travel costs to India, providing relief in caring for your loved ones.
Bringing A Small Child Along – Handling Medical Emergencies Abroad
In cases where an adult accompanying a minor child falls ill overseas, airlines may require an adult to accompany the child back to India. Online travel insurance may cover the cost of another family member’s trip to accompany the child, including the adult’s plane ticket.
Important Information About Travel Insurance
Before embarking on your next trip, it’s crucial to understand the specifics of travel health insurance:
- Insurance providers may consider family members, including parents, siblings, legal spouses, stepparents, siblings-in-law, legal guardians, or wards.
- Some insurers charge an additional fee for escorting a minor child.
- Evidence of hospitalisation and a severe condition is typically required for claim approval.
- Reading policy wordings is essential to grasping coverage details and preventing unwelcome claim denials.
Procedure For Filing A Travel Insurance Claim
If a loved one is admitted to the network hospital during your trip, follow these steps to file a Bajaj Allianz international travel insurance claim:
- Inform The Insurance Company: Notify your insurer if a family member is admitted to the network hospital before or during your trip.
- Check For Travel Cancellation Coverage: Most insurance companies offer coverage for travel cancellations due to unforeseen circumstances.
- Note Minor Illness Limitations: Insurance companies may not cover minor illnesses like the flu.
Understanding and having international health insurance for travel in place not only safeguards your financial investment in a trip but also provides peace of mind during unexpected family emergencies. It ensures you can focus on your loved ones without the added stress of financial burdens and travel logistics. Claims are subject to terms and conditions set forth under the travel insurance policy.
Get insured anytime, anywhere! Check out Bajaj Allianz General Insurance website to learn more and download the app now.
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