A vacation, casual trip, business tour or studying abroad trip can be an exciting event of your life. However, regardless of the reason you travel abroad, it is your responsibility to make your journey safe. An effective overseas travel insurance plan in place will ensure a trip sans worries. Regardless of whether you face emergencies like a loss of passport, sudden illness, or even loss or delay of your baggage, the travel insurance for foreign trip will make your journey worry free and you can enjoy it to the fullest too.

Your overseas travel insurance will cover you against the following emergencies:

Medical Expenses
This cover facility will offer you protection against medical costs incurred due to sudden illness or accident on a foreign trip. The charges will include cover against medically requisite and prescribed emergency evacuation. It will also cover outpatient, in-patient charges, medical aid in a hospital, various therapies and diagnostic tests as described in the plan terms and conditions.

Medical Evacuation
Evacuation to the native country is adequately covered up to the medical sum insured or chosen by you.

Repatriation of remains
This is a cover offered by most companies these days. It will cover insured against the funeral expenses of deporting the remains back to India, in case of death of the insured in a foreign country.

Emergency Dental Expenditures
Covers acute anaesthetic treatment of natural teeth

Hospital Cash
The cover plan will pays a daily allowance as stated in the plan in the event of hospitalization arising due to sickness or accidents.

Accidental Death and Permanent Total Disability
Under this cover, the insurance company will pay for the sum insured as per what is quantified in the plan. This is excluding the sum insured specified under the section ‘personal accident’ under the event where the insured endures accidental physical injury during the course of the trip while touring in a common transporter including train, aircraft, bus, tram, etc. The company will also cover the insured against physical injury resulting in death or permanent total disability.

Other types of covers offered:

•    Personal accident
•    Flight delay
•    Loss of passport
•    Loss of checked baggage
•    Compensation for the permanent loss of checked-in baggage
•    Delay of checked baggage
•    Personal liability
•    Financial emergency assistance
•    Cost of hotel accommodation under emergency situations
•    Hijack distress allowance

About the Author

AmanMalhotra65 Buying overseas travel insurance plan? What do you know about it? In case, you don’t know anything, it is not recommended to buy one. If you are serious about getting a plan that best suited for your requirements, make sure you understand all you needs better.

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