Senior citizen travel insurance policies are insurance plans which are specifically designed for travelers who are above the age of around 65-70. Sudden medical and non-medical expenses can drain your finances if you do not cover yourself and your journey with a comprehensive travel insurance plan online.
The senior citizen travel insurance protects you during international and domestic travel. There are many insurance companies in India who offer travel insurance policies for senior citizens.
These companies provide a wide range of benefits like coverage up to certain years without health checkup, cashless medical services across the globe etc. Under this insurance product, policyholder gets quality healthcare facilities and cover on pre-existing diseases under life-threatening situations.
This type of policy may not be cover venereal diseases, sporting activities, anxiety, mental disorder, depression, radiation, and sexually transmitted diseases including HIV, AIDS.
It also excludes naturopathy treatment, homeopathic / ayurvedic therapies, costs incurred relating to rest / recuperation at a health resort or spa, treatment relating to removal of physical flaws-cosmetic / plastic surgery, expenses arising due to loss of money, tickets, securities and valuables.
But, you also have to know that seniors pay more for travel insurance due to their old age. Medical expenses coverage offered by this policy pays special attention to make your holiday enjoyable by covering your health related costs.
It gives compensation for checked baggage loss as well as for expenses which are incurred for purchase of emergency personal effects due to baggage delay. Policyholders will also get compensation for expenses incurred in obtaining a duplicate or new passport.
Some insurance companies in India find it less attractive because senior citizens are always at higher risk level. There are chances that these senior citizen travelers encounter with unique circumstances, new situations and learn new things. With the help of this plan, give your parents assurance of good health while traveling anywhere.