A senior citizen is anyone who is over 60 years of age. You might be healthy and fit at this age, but usually, people are not as active as they were at a young age. Therefore, it is important to take care of your health and travel securely. Especially as a senior citizen, if you are travelling, you might fall sick due to any reason, such as temperature difference, exertion, etc. However, it does not imply you need to stop travelling or enjoying your life.
You just need to travel safely, i.e. with the senior citizen travel insurance covering various factors, including one's age-related factors and health. While travelling abroad, a few countries have included travel insurance for senior citizens in the list of the essential documents required.
What is Covered Under Senior Citizen Travel Insurance?
Generally, travel insurance for senior citizens covers baggage loss and delay. Senior citizens might be carrying some valuables in their bags, such as medicines, healthcare aids, etc. Insurance providers offer compensation if the checked baggage is lost or delayed due to any reason, such as theft or misdirection of the luggage. As it can be difficult to replace the lost items immediately, it may help if you sign up for senior citizen travel insurance while planning your trip.
Majorly, under this, you can avail of the benefit of automatic extension of your policy, with a few exclusions attached to it. Situations like flight delay are not in the control of the insured; therefore, in such cases, the duration of the policy is extended accordingly.
Apart from other important aspects covered under senior citizen travel insurance, medical cover is one of the most important benefits due to old age. Find below a few medical conditions that are usually covered:
- Accident/Sickness Expenses
It provides compensation if you meet with an accident or fall sick on your trip. It usually covers major and minor injuries and illnesses, which generally varies across different insurance providers.
- Partial Disability or Accidental death
If you meet with an unfortunate accident on your trip or suffer from a partial disability, the insurance provider will provide compensation for the same. In case of your untimely demise, your dependent spouse will be able to lead a standard life in your absence with the financial support provided. However, the benefits offered may vary across different insurance providers and policies.
A few insurance providers even reimburse the amount paid to the doctor for dental treatment. The terms and conditions vary across different insurance providers, and they have certain exclusions for the same. Therefore, it is important to check this before applying for senior citizen travel insurance.
In case a medical emergency comes up and you need to be shifted to another city or country for treatment, you may incur hefty bills. With senior citizen travel insurance, you can rest assured that the insurance company will bear these expenses.
In case of your demise due to any reason on your trip, transporting the remains from a foreign country can involve a fair amount of cost. If you are covered under senior citizen travel insurance, the insurance company helps repatriate your remains to your home country/state.
Travel insurance is equally important for young citizens and senior citizens. Due to the age of senior citizens, they may have limited options to arrange finances and handle such emergencies; therefore, it is even more essential for them. So, it is advisable to buy senior citizen travel insurance to secure your trip, luggage and health. For this, you should choose trustworthy insurance providers like TATA AIG, as they try to understand their clients' needs before providing them with the policy options and quotes. Besides, they respond to your request as soon as possible.