Senior Citizen Travel Insurance for Stress Free Travel

Posted on: Aug 18, 2021 | 3 mins | Written by: HDFC ERGO Team

Senior Citizen Travel Insurance for Stress Free Travel

Travel Safe in Your Golden Years with Senior Citizen Travel Insurance

Anu is studying in Australia, and it has been a long time since she has seen her parents because she was part of a major project during her holidays. Now, her parents are planning to visit her. However, she is a little concerned because they are both senior citizens with a history of health issues. They aren't that tech-savvy, either. So, she isn't sure if they can manage it all on their own. Luckily, there is something that can come to her aid and take care of all her concerns - travel insurance for senior citizens. How? Read on to find out.

What is a senior citizen travel insurance plan?

Senior citizen travel insurance plans are specially designed for elderly travellers who are 71 years or above. These plans primarily cover various age and health-related diseases that may not be covered in standard health plans. In addition to medical expenses, senior citizen travel insurance plans also compensate for losses due to flight delays/cancellations, delay in checked-in baggage, loss of baggage or passport. So, if you are in your golden years and want to have a stress-free vacation, you must buy travel insurance for senior citizens.

Why Do Seniors Need Travel Insurance?

Travelling when you're older is very fulfilling. It lets adults spend time with family, learn about new cultures, and finally enjoy the freedom that comes with having lots of free time. But getting older also means a higher risk of medical issues, sudden illnesses, or problems while travelling. Travel insurance for senior citizens is now mandatory for a safe and stress-free trip.

When older visitors go to another country, they might need to see a doctor right away, get help with prescriptions, or go to the hospital. Even a short trip to the hospital can be a lot of money if you don't have the right overseas travel insurance for senior citizens. These risks are taken care of with a specific plan. It helps ensure that seniors can enjoy their trip without worrying about unexpected costs.

To protect their parents when they travel abroad, many families choose holiday insurance for senior citizens. It ensures that help is available when there are flight delays, lost documents, or medical issues. These days, health care is expensive everywhere. The proper security gives adults and their families peace of mind.

Difference Between Regular and Senior Citizen Travel Insurance

Regular travel insurance is meant for people of all ages, but it might not fully help older travellers. Senior citizen travel insurance, on the other hand, is designed especially to meet the needs and risks associated with getting older.

Standard plans often don't cover as many costs for hospital stays, emergency evacuations, or sicknesses that come with getting older. Plans aimed at seniors offer better medical coverage, daily cash bonuses for staying in the hospital, and assistance with health issues that often accompany ageing. These plans also offer better support services, which are particularly helpful for tourists who are very tech-savvy.

The ability to change medical care is another crucial difference. Better coverage at hospitals around the world and quicker help with claims are features of many senior plans. Choosing the best senior citizen travel insurance is the best way to ensure reliable safety while travelling and to be covered at all times.

Who is eligible for senior citizen travel insurance?

Anyone above the age of 71 is eligible.

What does HDFC ERGO senior citizen travel insurance cover?

1. Medical-related coverage

In case of medical emergencies, you can avail a cashless facility without worrying about massive medical bills. If you are travelling overseas and there’s a dental emergency, the policy will take care of all the expenses. If the policyholder meets with an accidental death or is permanently disabled, a lump-sum compensation will be provided to the family members.

HDFC ERGO travel insurance for senior citizens provides a daily cash allowance during hospitalisation, so that you don’t need to dig into the cash you may be carrying for the vacation.

If your medical condition requires emergency evacuation to the nearest hospital, the policy will help you with that, too. In case of death, the cost of transferring the mortal remains back home will be taken care of by the policy.

2. Journey-related coverage

In case of flight delays or cancellations due to technical snags of the airline or natural disasters, HDFC ERGO travel insurance for senior citizens will pay for your essential purchases. If you need to extend your hotel stay on medical grounds, the policy will pay for the extended hotel accommodation while you focus on recovery.

HDFC ERGO understands your distress in case your flight gets hijacked. But the hijack distress allowance in the policy will come to your rescue. If you become a victim of theft or robbery in an unknown place, don’t panic. Just call HDFC ERGO, and you will receive emergency cash. If you accidentally become liable for any third-party damage, the policy will compensate for the losses.

3. Baggage-related coverage

If your checked-in baggage gets lost during the trip, the policy will cover the expenses incurred. Similarly, if it reaches your destination late, the policy will pay for the essentials that you have to purchase till your baggage arrives. In case you lose your passport, the policy will help you get a duplicate or a new passport.

What is not covered?

1. If you undergo treatment due to a pre-existing illness, the medical expenses won’t be covered.

2. Expenses arising from injury/hospitalisation due to a suicide attempt or due to any adventure sport fall outside the policy coverage.

3. Cost of undergoing cosmetic or obesity treatment by you or any family member will not be reimbursed.

4. Medical issues due to war or breach of law are not covered.

5. Accident or injury under the influence of alcohol or intoxicating substances is not covered.

How to Buy Senior Citizen Travel Insurance Online?

It is now easy, fast, and safe to buy insurance online. If you're planning a trip to another country, choosing travel insurance for senior citizens going abroad is one of the first things you should do to make sure you're fully protected. This is an easy way to buy a policy:

1. Go to a reliable insurance company like HDFC ERGO.

2. Enter the person's age, their destination, and the trip's departure and return times.

3. Look over the plan's perks and service limits.

4. Pick out a good policy and then pay online safely.

5. Get the rules right away in an email.

Check the plan's inclusion of overseas medical insurance for senior citizens whenever you are reviewing choices. This includes going to the hospital, seeing a doctor, and getting medical care while travelling to other countries. This is very important when travelling to other countries.

Also, travellers should make sure their senior citizen travel insurance India plan covers them anywhere in the world and includes a network of hospitals that don't require payment. Since everything is online, finding the right insurance takes only a few minutes, ensuring you're protected for the entire trip.

Conclusion

As mentioned before, for many, post-retirement is the ideal time to explore places. It is the time to unwind, sit back and relax. However, apart from packing all the essentials for your journey, make sure you have travel insurance for senior citizens handy. This will protect you financially against any emergencies, medical or journey-related, and your trip will go as planned.

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

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