Senior Citizens insurance for travelers from India

With more and more insurance companies coming forward travel insurance for senior citizens online. There are many insurance providers who offer popular travel insurance for senior citizens without any medical reports. With many company plans available in front of them. They should do little research of what the plan offers verses what they need. Not all companies have the same set of benefits. Some companies like TATA AIG and Religare are covering pre-existing diseases in case of life threatening situations for a limited amount. Fixed benefit and comprehensive plans with policy maximum up to $100,000 US Dollars can be purchased online without the need of any medical reports. Other factors to be kept while choosing a senior citizen plan is the policy duration available for purchase, ease of renewability, smooth claims process and the premium. There are many companies offering plans for citizens like TATA AIG, Bajaj Allianz, Religare and Reliance.

Generally travelers aged above 60 years are considered as senior citizens travelers. There are many companies which offer good plans for these travelers. They might be broadly classified into Comprehensive plan and Fixed benefit plan. Comprehensive plans offer full medical benefits without any restrictions up to policy maximum whereas Fixed benefit plans do have medical restrictions on the overall policy maximum. Fixed benefit plans are cheaper than comprehensive plans. Majority of the companies offer these senior citizen travel packages without any paper work and medical documents. They can be purchased online with one click. Please call our experts at +918041101026 or send an email so that we can get in touch with you.

The travel medical insurance basically covers for sickness and accident medical expenses in overseas. The policy maximum and other benefits vary from one insurance company to other. Age, destination country, travel duration are the factors which decide the premium and policy benefits. Along with medical expenses other benefits the policy might include medical evacuation, repatriation, death due to accident, baggage loss, baggage delay, passport loss, trip delay, trip cancellation, coverage for pre-existing diseases and more. You need to go through the plan benefits before you make a purchase.

Few of the general exclusions of travel medical insurance can be listed as below.

• Traveling against the advice of the physician.
• Travelling for the purpose of obtaining treatment
• Any Pre-existing diseases
• Suicide, attempted suicide, HIV / AIDS, Any loss arising out of War, civil war, invasion, insurrection, revolution more. Please read the plan document before making a purchase.

Yes, you can extend the policy online. The policy holder has to declare that he/she is in good health and no claims. In case if the policy holder has any claims or the policy renewal request has been made after the expiry of the current policy. Then the request will go for approval after which the policy can be renewed. The renewal rules varies from company to company. Please contact our experts at +918041101026 or send an email so they can guide to renew the policy.

Yes, you can purchase the policy online for your parents who will be traveling from India to different foreign countries. There are different modes through which you can buy the policy for your parents. You can pay online using your Indian / international credit cards, debit cards, internet banking, electronic funds transfer and through Indian rupee cheque.