Travelling and exploring the world does not have any age limit. This is why several insurers offer senior citizen travel insurance policies, which ensure coverage for individuals above the age of 60 (depending on the policy). This allows them to travel abroad and explore amazing new cultures without worrying about unforeseen medical expenses or travel disruptions.
What Is Overseas Medical Insurance For Senior Citizens?
Travel insurance for senior citizens is an insurance plan for policyholders or customers who are 60 years of age or older. When you buy travel insurance for senior citizens, it ensures financial compensation for any losses incurred because of a risky incident during a trip to a foreign country.
It compliments their travel with insurance coverage for various risks such as emergency hospitalisation, flight cancellations, trip delays, compensation in case of death or disability, loss of passports and baggage losses.
Additionally, travel health insurance for senior citizens offers coverage for dental treatment, financial assistance during emergencies, a daily cash allowance in case of emergency hospitalisation, personal liability against third-party losses and more.
Moreover, travel insurance for above 80 years is well suited for NRIs who wish to have their parents or grandparents stay with them for longer periods or even short stays.
What Does Holiday Insurance For the Elderly Cover?
Travel insurance for above 80 years aged individuals, or senior citizens covers the following-
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Accidental bodily injury while on the trip.
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Total loss of your checked-in luggage by a common carrier
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Emergency expenses were incurred due to an emergency medical evacuation in India.
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Acute anaesthetic treatment of teeth because of an injury.
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Special distress allowance in case your plane is hijacked for more than 12 hours.
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Expenses incurred if your holiday is delayed for more than 12 hours because of personal employment problems, airline, medical or natural disasters.
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Expenses incurred for the purchase of clothing, medication and toiletries if the checked-in luggage is missing for more than 12 hours.
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Expenses incurred in case you miss a connecting flight.
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Expenses incurred if a trip is interrupted or cancelled or interrupted because of personal employment problems, airline, medical or natural disasters.
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Emergency medical expenses incurred while travelling abroad for any sudden death, injury or illness are covered.
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Expenses incurred for transporting the insured’s mortal remains to be buried abroad or back home in case of an unfortunate death are covered.
What Does Holiday Insurance For The Elderly Not Cover?
Travel health insurance for senior citizens does not cover the following-
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Nuclear or War threat in the country where you are travelling.
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Expenses incurred in case you are travelling abroad to receive treatment.
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Expenses incurred due to suicide, self-inflicted injuries or illnesses, Anxiety/ stress/depression, Alcohol/drug abuse, Mental disorder or Venereal diseases.
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Insurance claims arising out of non-declared and non-disclosed pre-existing health conditions will not be covered.
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Any issues faced because of loss or theft of passport when left unattended or in case you do not report the passport loss to local police authorities.
To Wrap It Up
Senior citizens are considered high travel risk due to their old age and pre-existing medical conditions. Therefore, it is advisable to purchase holiday insurance for the elderly and ensure financial assistance while on a trip abroad. To get the best senior citizen travel insurance policy, ensure that you opt for a policy from a trusted and reputable insurance provider.