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Medical coverage in travel insurance

Travel insurance products provide cover for many medical expenses, though a single insurance policy might not cover all of them. Find out more about the coverage.

Apnainsurance.com Research Bureau

11 Jan 2008

Travel insurance products provide cover for a large variety of medical expenses, although a single insurance policy might not cover all of them. Typical covers include:

Cash-free cover for medical expenses and dental treatment:
If you fall sick on a trip abroad, the insurer will provide the cash-free facility for treatment, subject to you paying a minimum sum. The insurance company will also provide for dental treatment if you had to undergo any acute anesthetic treatment of your teeth due to an injury.

Daily allowance in case of hospitalization:
If you are hospitalized for more than two days, the insurer will provide a daily hospitalization allowance.

Medical evacuation or repatriation:
If you cannot be treated for an illness abroad, the policy provides cover to bring you back to a hospital in your native place.

Compassionate visit:
If you remain hospitalized for more than seven consecutive days, a few insurance companies provide cover that reimburses the return fare for an immediate family member to visit you abroad.

Personal accident:
The insurance company pays compensation if you are permanently disabled or lose your life abroad as a result of an accident.

Transportation of mortal remains:
If you pass away abroad, the insurer covers the cost of transporting your mortal remains back home or for burial costs abroad.

Remember, most companies will ask you to pay for the first US$50 to US$100 on a medical expense or dental treatment.

See also:

Multiple-trip travel coverage

Medical coverage for students traveling abroad

Maternity cover in travel insurance - provided when and to who?

Does travel insurance cover loss of baggage?

Can travel insurance be extended while traveling abroad?

Medical expenses not reimbursed or payable in case of cashless hospitalization
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