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Travel Medical Insurance - Benefits
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Travel Medical Insurance Benefits
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Travel Medical Health Insurance for visitors to cover healthcare expenses in the USA, UK, Japan etc. are a necessity. Travellers can reduce the financial risk of unforeseen accidents or medical emergency by purchasing travel medical insurance. Travel Medical Health Insurance is ideal for tourists to US, and for parents and other family members visiting the United States.
Most plans under the Travel Medical Insurance category offer the following benefits. General descriptions of the various benefits of Travel Medical Insurance are offered below. Please note each plan may have unique requirements for offering these benefits and you are encouraged to review the individual policy brochures or policy certificate.
Emergency Medical Expenses
Travel Medical Insurance plan will pay for Hospital, in-patient and out-patient medical expenses incurred due to the treatment of injuries or illness occurring during the trip. Covered expenses include hospital room, intensive care, surgery, diagnostics, X-rays, tests etc.
Dental Expenses
Most Travel Medical Insurance plans include accidental dental coverage (expenses related to teeth injured in an accident) but very few offer emergency dental coverage (expenses related to sudden tooth ache, infection etc.).
Prescription Drugs
Most plans treat prescription drugs as emergency medical expenses and hence covered.
Emergency Medical Evacuation
If the attending Physician determines that adequate medical treatment is not locally available, the Travel Medical Insurance plan will pay for evacuation to the nearest adequate medical facility.
Emergency Medical Re-union
When Emergency Medical Evacuation or Repatriation is ordered and the attending Physician recommends that a family member travel with the Insured, the Travel Medical Insurance program will pay for the costs of a person accompanying the insured.
Accidental Death & Dismemberment (AD&D)
In case the Insured is injured or dies in an accident during the Trip, the Travel Medical Insurance policy will offer certain pre-determined amounts for loss of life, loss of one limb, loss of two limbs, loss of eyes etc.
Flight Accident or Common Carrier Accidental Death & Dismemberment (CADD)
In case the Insured is injured or dies on a commercial flight during the trip, the Travel Medical Insurance policy will offer certain pre-determined amounts for loss of life, loss of one limb, loss of two limbs, loss of eyes etc.
Home-country Coverage
During a long USA stay (H1B, H4, J1 workers, F1, F4 students, Green Card holders awaiting citizenship) if you have to make unexpected short incidental trips to your Home Country the Travel Medical Insurance plan can extend coverage in India as well.
Trip Cancellation
In case the entire trip is cancelled (without a start) the Travel Medical Insurance plan can pay non-refundable portions of the trip provided the reasons for the cancellation met the Travel Medical Insurance policy are valid as defined by the Travel Medical Insurance policy (these typically include death, serious illness in the immediate family, travel company bankruptcy, termination from employment, inclement weather, etc.).
Trip Interruption
In case the trip that is already in progress is interrupted because of valid reasons as defined by the Travel Medical Insurance policy (these typically include death, serious illness in the immediate family, travel company bankruptcy, termination from employment, inclement weather, etc.) the Travel Medical Insurance plan can pay for forfeited, non-refundable portions of the trip as well as additional expenses to return to the come country.
Travel Medical Insurance Tools
• Travel Medical Insurance - Read FAQs
• Travel Medical Insurance, a comparison with other Policies
• Travel Medical Insurance - Glossary
• Travel Medical Insurance - Guide
• Travel Medical Insurance - Customer Feedback
• Travel Medical Insurance - Forum
• Travel Medical Insurance - Quote Request Form
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