Emergency Medical Evacuation Travel Insurance from India

What is emergency medical evacuation in travel insurance?

Emergency medical evacuation is a travel insurance benefit that can help cover the cost of medically necessary transportation when a traveller becomes seriously ill or injured abroad and needs to be moved to a suitable hospital or another location for further treatment. The amount covered depends on the policy and plan selected.

Example: A traveler might be taken to a hospital after an accident yet that hospital might not have the needed equipment or specialist care. In such a situation medical evacuation to a nearby hospital may be necessary where better medical facilities are available.

Depending on the situation and the terms of the policy, emergency medical evacuation may also mean moving the traveler to another location or sending them back to India for further treatment.

Why Is Medical Evacuation Cover Important When Travelling Abroad?

It's really hard when you get very sick or get hurt badly while you're, in another country. The stress is already a lot. It becomes even worse when the closest hospital doesn't have the treatment or the right machines that you need.

In cases like that, you may need to be moved to a better-equipped facility. Medical evacuation often means specialised transport, along with hospitals and assistance teams working together behind the scenes, and the bill can run very high.

That's why it's important to look beyond the medical cost limit when you choose an international travel insurance plan. Emergency medical transportation coverage adds another level of safety if you need to be moved for medical reasons during your trip.

If you are buying travel insurance in India take a minutes before you go to check four things. First see what the transportation benefit covers. Second look at the amount the plan will pay. Third review any rules that're in place. Fourth understand how the companys help process works.

How Much Medical Evacuation Cover Do Travel Insurance Plans Provide?

The amount available for emergency medical evacuation depends on the travel insurance plan. Some travel insurance policies may provide a specific fixed limit for medical evacuation, while others may provide the benefit up to the applicable medical insurance sum insured or policy maximum, subject to the policy terms.

With Tata AIG international travel insurance, the emergency medical evacuation benefit varies according to the plan selected. For example, the available benefit can range from $50,000 to $1,000,000 across the plans.

This means people who are traveling should not just focus on the cost of the travel insurance. It is also important to see how much coverage is provided for emergency evacuation, in the specific plan and what rules are connected to that coverage.

*Price shown is for a 60-day trip to UK for a traveller aged 25 years. Get an instant quote for your exact trip.

How Does Emergency Medical Evacuation Travel Insurance Work?

If you have a medical emergency while traveling abroad get medical help right away. Soon get in touch with the insurer’s emergency assistance service. The team will help coordinate care with the hospital and check if you need transport.

If the treating facility does not have the required medical facilities or expertise, evacuation to a suitable hospital may be considered, subject to the policy terms and medical necessity.

Travellers should not arrange expensive medical transportation independently without first following the insurer's assistance and authorisation process, except where the circumstances make this impossible.

When Can Emergency Medical Evacuation Be Required?

Below are some of the senerios where you can use the emergency medical evacuation benefit.

• A serious accident requires treatment at a specialised hospital.
• The nearest hospital does not have the facilities required for the traveller's condition.
• A serious illness requires transfer to another medical facility.
• The treating medical team determines that transportation is medically necessary.
• Further treatment may need to be obtained at another location, subject to the policy terms.

The benefit is generally based on medical necessity and policy conditions.

Emergency Medical Evacuation vs Repatriation of Mortal Remains

These are separate travel insurance benefits. Emergency medical evacuation deals with a medical emergency while the traveller is alive, whereas repatriation of mortal remains applies after the insured person's death. The applicable limits and conditions are different and should be checked separately in the policy.