Senior Citizen Travel Insurance for Overseas Trip

Your senior citizen travel insurance coverage starts from the date the trip starts. The coverage also ends when your trip ends. However, the trip duration should be within the allowed coverage duration limit.

When you meet with an accident abroad, you would have to intimate the company and register the claim. The process is as follows -

● For cashless claims, you would have to contact Alliance Global Assist which is the TPA of HDFC ERGO

● You would have to fill out an online claim form for raising your claim

● Thereafter, the filled claim form and ROMIF Form should be mailed to the TPA at medical.services@allianz.com

● The TPA would, then, check whether the hospital allows the cashless facility and arrange for cashless treatments. The processing would take about 24 hours

● You can also check the list of networked hospitals in a foreign country through this link - https://www.hdfcergo.com/locators/travel-medi-assist-detail

You can also call the toll-free number which is +800 08250825. Attach the country code before the number when you place the call.

No, you can buy only one travel insurance plan for travelling to multiple countries. However, when buying the plan, specify the countries that you are travelling to get the right coverage.

Yes, the loss of a passport is covered under senior citizen travel insurance plans. However, the coverage is allowed up to a specified limit. Moreover, there would be a deductible which would be payable by you. The insurance company would pay the claim in excess of the deductible.

Your travel insurance plan can be stored in a digital format in which case it wouldn’t matter even if you forget to carry the policy along. You should just remember the policy number so that you can get the policy details from HDFC ERGO by calling its helpline. The coverage would be allowed even if you forget to carry your travel insurance policy.

Senior citizens are at a higher risk of medical complications when they travel to international countries. They might fall ill or suffer an injury on the trip for which medical attention might be required. Receiving medical treatments in foreign countries can prove to be a costly affair that puts a strain on your finances. As such, a senior citizen travel insurance policy is required to cover the financial complications of a medical emergency. The plan covers medical emergencies incurred during the trip and provides financial security.

Besides medical emergencies, senior citizen travel insurance plans provide a host of coverage benefits that include the following -

● Emergency dental treatments

● Loss of passport

● Trip cancellation or curtailment

● Personal accident cover

● Repatriation of mortal remains

● Third-party legal liability

● Hijack allowance

● Loss or delay of checked-in baggage

● Financial assistance in an emergency

All these coverage features ensure that possible emergencies that you might face on the trip are covered. In these emergencies, you get financial assistance.

Moreover, senior citizen travel insurance plans cover all countries and can be taken at affordable rates.

Thus, to secure your trip financially, a senior citizen travel insurance policy is recommended.

No, pre-existing conditions are not covered under senior citizen travel insurance plans. If you suffer medical complications arising out of pre-existing conditions, the coverage would not be allowed.

Yes, pre-approval helps you get cashless treatments. You can get in touch with HDFC ERGO’s TPA, Alliance Global Assist and intimate your claim. Get a pre-approval within 24 hours and you can get cashless treatments.

No, a free look period is not available under senior citizen travel insurance plans.