Frequently asked questions on Senior Citizen Insurance

• What are the eligibility criteria for a policyholder to buy senior citizen travel insurance plan?
  • 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 plans 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.
• What does my policy cover? or What are the Inclusions of senior citizen travel insurance plans?
  • 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.
• What does it not cover? or What are the exclusions of senior citizen travel insurance plans?
  • 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.
• Can I extend my policy?
  • 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.
• Who can buy senior citizen plan?
  • Generally travelers aged above 60 years are considered as senior citizens travelers. They can buy the policy online without any paper work or without giving any medical reports. . Please call our experts at +918041101026 or send an email so that we can get in touch with you.
• Am I covered if I lose my passport?
  • Usually almost all plans cover for the loss of passport benefit in the travel insurance plan. It is suggested that he / she go through the list of benefits of the plan before making a purchase.
• Are pre-existing diseases are covered?
  • Not all the companies cover pre-existing medical conditions. There are few companies which cover pre-existing medical conditions for a limited amount. Please call us at +918041101026 or send an email so that our insurance experts will suggest you the best plan as per your requirements. You can buy the policy online.
• Can I purchase travel insurance for my parents online?
  • 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.
• Can anyone, from any country, purchase coverage?
  • Yes you can purchase the policy online from anywhere in the world for your near and dear ones who will be visiting you from India. You can buy the policy online using Indian / international credit cards or other modes of payment.