Article

International Health Insurance
September 14 , 2012

Illnesses are not biased about the place of abode and can visit us anywhere. Frequent travelers risk falling sick when abroad and the cost of treatment in foreign countries can be many times that in India. An international medical insurance comes in handy in such situations.

Standard travel insurance policies cover emergency medical expenses including outpatient, in-patient treatment, medical aid, therapies and diagnostic tests. A daily allowance for hospitalization due to sickness or accident is also provided. However the overall cap includes provisions for the risks mentioned above as well as others such as personal accident, flight delay, loss of passport, personal accident and so on. Such a comprehensive policy might do in most cases, yet for those interested to have additional health policies while on overseas travel, there are tailor-made international health insurance policies on the offer.

One such policy is from The New India Assurance Co Ltd. Christened Overseas Mediclaim Policy, it has eight plans mainly differing in the sum assured. Claims are settled in foreign currency. Claim of first 100 USD will have to be borne by the policy holder.

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