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Travel Safe in Your Golden Years with Senior Citizen Travel Insurance

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Published on August 12, 2021. EST READ TIME: 3 minutes



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 history of health issues. They aren't that tech savvy too. 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 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.

Who are eligible for senior citizen travel insurance?

Anyone above the age of 71 is eligible.

What does HDFC ERGO senior citizen travel insurance cover?

Medical-related coverage

• In case of medical emergencies, you can avail 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 provide 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.

Journey-related coverage

• In case of flight delays or cancellations due to technical snags of airline or natural disaster, 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.

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 new passport.

What is not covered?

• If you undergo treatment due to a pre-existing illness, the medical expenses won’t be covered.
• Expenses arising from injury/hospitalisation due to suicide attempt or due to any adventure sport fall outside the policy coverage.
• Cost of undergoing cosmetic or obesity treatment by you or any family member will not be reimbursed.
• Medical issues due to war or breach of law are not covered.
• Accident or injury under the influence of alcohol or intoxicating substances is not covered.
  
  

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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