1. Home
2. Blogs

In Case of An Accident Overseas What Kind of Medical Emergencies Are Covered Under Travel Insurance?

• 
• 
• 
• 0
• 0

Published on May 7, 2021. EST READ TIME: 3 minutes

Individuals travel overseas for a number of reasons ranging from business and education to pleasure and meeting family ties. While these sojourns can be exciting and pleasant, it is possible for one to run into trouble and get involved in an accident. This unfortunate scenario can be even more problematic when faced with the medical bill that needs to be covered in order to tend to the wounds and injuries brought on by the accident. This combined with not being able to converse in the predominant language being spoken in the foreign country can add to existing frustrations and worries. With the financial coverage provided by travel insurance and awareness of what it entails and covers, individuals can travel overseas with more confidence. Healthcare is expensive – but it is particularly costly overseas, especially when the country visited has a more powerful currency in operation than that of one’s country of residence. It is prudent to purchase travel insurance that provides medical coverage overseas prior to traveling abroad.

What is Travel Insurance?

For the uninitiated, travel insurance seeks to provide those who avail of it with coverage associated with the expenses and losses that can be incurred during travel. Travel insurance provides insured travelers with coverage for canceled or interrupted trips as well as coverage for baggage and personal effects. Some amount of medical coverage is provided as well in addition to accidental death or accidents associated with the flight taken. By availing of travel insurance, individuals may often gain access to round-the-clock emergency services which may range from providing a replacement passport in the event that it is lost, and re-booking canceled flights to providing help with wiring cash if needed. Individuals may purchase travel for domestic as well as international travel and can either purchase it just for themselves or for their families.

Why is it important from a medical point of view?

Purchasing travel insurance when traveling overseas is prudent for a number of reasons. To begin with, healthcare costs are phenomenal the world over. Unforeseen medical expenses incurred overseas can be particularly hard to pay for when traveling on a budget. Moreover, as travelers, individuals may not be well versed with inexpensive medical facilities available abroad and may be forced to be admitted to more expensive hospitals or clinics where services are even more expensive. Language barriers too can add to the confusion and spur on medical costs. 

Medical Coverage Provided –

Medical coverage provided by most travel insurance packages and policies entitles insured individuals to coverage for the following occurrences.

1.  Emergency medical expenses– Insured individuals can rest easy in the knowledge that in the event that they incur any emergency medical expenses, they are provided with coverage for the same.

2.  Emergency dental expenses– Dental expenses can be so vast that they can exceed the cost of a trip overseas. Moreover, dental expenses aren’t ordinarily covered by most medical insurance policies. Some travel insurance policies, however, do provide coverage for it.

3.  Medical evacuation– With the coverage provided by travel insurance, insured individuals can avail of emergency medical evacuations made possible by air or surface transportation which takes them to the closest hospital.

4.  Daily Cash Allowance in Hospitals– With this coverage, individuals don’t need to worry about minor daily hospital expenses eating into their money which was allocated for their time overseas.

5.  Medical and Body Repatriation– In the event that insured individuals die overseas, costs incurred with bringing the body back to their country of residence are covered by travel insurance.

6.  Accidental Death– In the unfortunate event that the insured individual dies during their trip overseas, their family will be provided with a significant lump-sum compensation by the travel insurance company.

7.  Permanent Disablement– Lump-sum compensation is also available to insured individuals in the event that they run into an adverse accident that leaves them with a permanent disability.

Conclusion

Availing of travel insurance provides individuals with a layer of financial protection should they run into any unfortunate events including but not limited to medical emergencies.

Disclaimer- The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales.

---

• 
• 
• 
•