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Travel Insurance - Senior Citizen's Plan
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Travel insurance for senior citizens
Like everyone else, senior citizens deserve to discover the joys of traveling and vacationing. It is for them that the Senior Citizen Plan was launched. The travel insurance for seniors is for those aged between 71 and 80 years, and offers extensive coverage to provide protection to the elderly across the globe.
Under the plan, senior citizens or their families will be reimbursed $50,000 for medical expenses that include medical evacuation and repatriation. The daily allowance in case of hospitalization is $25 a day for a maximum of five days. An elderly tourist who has signed up for the plan will be paid $500 by the company for any dental treatment. The travel insurance for senior citizens gives a personal accident cover of $15,000.
The total loss of checked-in baggage, a painful experience for any traveler, and more so for senior citizens, is made somewhat less painful by the $500 payment from the insurer. A loss of passport fetches insured travelers $250 from the company.
Protection from trip cancellations, delays
There are compensations also for trip cancellation and interruption ($1,500) and trip delay ($200). A sum of $500 is given to those who have missed flight connections. There is a provision for financial emergency assistance (of $1,000) in this senior citizen travel insurance policy. The coverage for personal liability is $100,000.
The hijack distress allowance for those picking this policy is $875. The company is required to reimburse $3,000 for emergency hotel extension and $5,000 for compassionate visit. A compensation of INR 100,000 has been earmarked for those who might have their homes burgled while they are away.
The reasonable deductibles and premiums make the Senior Citizen Plan extremely appealing for the elderly tourists.
When there is no defined age limit to travel across the globe, why should there be any when it comes to insurance.
A special plan designed for customers in the age band of 71 - 80 yrs will medical benefits along with other trip related coverages.
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Medical Expenses (Including Medical Evacuation)
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Daily Allowance in case of hospitalization
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Repatriation Of Remains
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Dental Treatment
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Personal Accident
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Total Loss Of Checked - In Baggage
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Delay of checked in baggage
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Passport Loss
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Trip Cancellation & Interruption
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Trip Delay
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Missed flight connection
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Financial Emergency Assistance
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Personal Liability
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Hijack Distress Allowance
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Emergency Hotel Extension
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Home- Burglary
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Compassionate Visit
Policy Features
Medical Expenses: This covers hospitalisation expenses due to illness or accidental injury sustained by the insured whilst on a trip during the period of insurance. Includes emergency outpatient & inpatient medical expenses, medical expenses, medical aid and therapies.
Repatriation Of Remains: In an unfortunate event of death of the insured while abroad, the nominee is reimbursed the cost of transporting the remains of the insured back to the country.
Daily Allowance In Case Of Hospitalization: The customer will be paid a daily compensation in case hospitalization is for a period of more than 2 consecutive days.
Dental Treatment: This covers the Insured for expenses incurred on acute anaesthetic treatment of a natural tooth or teeth during a Trip abroad but not exceeding the Sum Insured for the coverage.
Total Loss Of Checked - In Baggage: This covers the compensation for permanent loss of checked-in baggage based on the market value of the contents as on the expected arrival date.
Loss of Passport: It covers expenses incurred in obtaining duplicate passport
Personal Liability: This cover indemnifies the insured against any bodily injury or property damage to third parties on account of an accident occurring whilst on a trip
Personal Accident: Compensation is provided abroad in case the insured meets with death or incurs total or partial permanent disability
Hijack Distress Compensation: Compensation at the rate per day will be payable incase the common carrier in which the insured is travelling as a passenger is held as captive by the hijackers.
Financial Emergency Assistance: We will provide an assistance service in case of emergency cash requirement, the assistance service provider co-ordinates with the insured person's relative back in country to provide emergency cash assistance.
Home Insurance - Structure & Content: In case the property is destroyed or damaged by any of the perils specified during the insurance, the compensation will be paid for the amount of damage or replace the property.
Home (Burglary): The company will pay for any loss or damage caused by either a burglary or an attempt to burglary for the contents insured.
Trip Cancellation & Interruption: Any financial loss incurred by the insured out of the cancellation of the trip arising out of earthquake,storm,flood terrorism and other mentioned perils , death of immediate family member, will be indemnified.
Missed Flight Connections: In case of failure of the insured to access the connecting flight, arising out of and consequent upon delayed arrival of the earlier flight, the company will pay a fixed amount. The time difference between the first flight arrival & next flight departure should be minimum 3 hours.
Trip Delay: If the departure of the insured gets delayed at the place of origin or intermediary port arising out of earthquake, floods & terrorism , specified sum will be paid.
Emergency Hotel Extension: If the departure of the Insured is delayed at the place of origin or at any intermediate port due to earthquake, flood & terrorism the additional expenses for lodging & boarding is paid.
Home (Burglary): The company will pay for any loss or damage caused by either a burglary or an attempt to burglary for the contents insured.
Compassionate Visit: If the insured is hospitalized beyond a period of 5 days, company will pay for the special assistance rendered to the Insured by any person of the family or near relatives. The cost of the economy class air ticket from and to the place of origin will also be reimbursed.
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Coverages |
Sum Insured |
Deductible |
Medical Expenses (Including Medical Evacuation and Repatriation) |
USD 50,000 |
USD 100 |
Daily allowance in case of hospitalization |
$ 25 for max 5 days |
2 Days |
Dental Treatment |
USD 500 |
USD 100 |
Personal Accident |
USD 15,000 |
Nil |
Total Loss Of Checked - In Baggage |
USD 500 |
Nil |
Delay of checked-in baggage |
USD 100 |
12 Hours |
Passport Loss |
USD 250 |
Nil |
Trip cancellation and Interruption |
USD 1,500 |
USD 100 |
Trip Delay |
USD 200 |
8 Hours |
Missed flight connection |
USD 500 |
Nil |
Financial Emergency Assistance |
USD 1,000 |
Nil |
Home- Burglary |
INR 100,000 |
Nil |
Personal Liability |
USD 100,000 |
Nil |
Hijack Distress Allowance |
USD 875 |
Nil |
Emergency Hotel Extension |
USD 3,000 |
Nil |
Compassionate Visit |
USD 5,000 |
Nil |
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Any claim arising out of Pre existing medical condition / ailment whether declared or undeclared will not be covered
Requirement
The traveler is required to share the travel date details along with the date of birth, passport number.
Recommendation
It is mandatory for some Western countries to have a travel insurance when you are visiting their country.
Medical treatment being is very expensive overseas and can become a major financial problem in case of any emergency / accident.
For a small premium paid in Indian currency, payment of claim in foreign currency of the country in which a claim arises is reimbursed.
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View Premium Table
Individual - Travel elite - single trip |
Silver |
Gold |
Platinum |
Coverages |
Benefits in US$ |
Benefits in US$ |
Benefits in US$ |
Medical expenses evacuation and repatriation |
2,00,000 |
2,00,000 |
2,00,000 |
Emergency dental pain relief included in (I) above |
2,00,000 |
2,00,000 |
2,00,000 |
Personal accident
Only 50% of the sum assured in respect of the death of the insured person below age of 18 years
|
2,00,000 |
2,00,000 |
2,00,000 |
Medical expenses evacuation and repatria |
2,00,000 |
2,00,000 |
2,00,000 |
Emergency dental pain relief included in (I) above |
2,00,000 |
2,00,000 |
2,00,000 |
Personal accident
br Only 50% of the sum assured in respect of the death of the insured person below age of 18 years
|
2,00,000 |
2,00,000 |
2,00,000 |
Product |
Student Elite |
Plan |
Standard(US$50000) |
Silver (US$ 1 lac) |
Gold (US$ 2 lac) |
Days Band |
Excluding |
Including |
Excluding |
Including |
Excluding |
Including |
1-30 |
609 |
1264 |
762 |
1590 |
960 |
2059 |
31-60 |
1056 |
2225 |
1344 |
2823 |
1908 |
4008 |
61-90 |
1642 |
3443 |
1919 |
3809 |
2777 |
5700 |
91-120 |
1934 |
3951 |
2348 |
4403 |
3374 |
6772 |
121-180 |
2455 |
5147 |
2833 |
5960 |
4076 |
8579 |
181-240 |
3185 |
6660 |
3443 |
7732 |
5226 |
11345 |
241-270 |
3669 |
7710 |
4267 |
8804 |
6152 |
12869 |
271-366 |
5485 |
10114 |
6399 |
11513 |
9143 |
16480 |
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Things to note
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Our travel policy offers direct settlement for in-hospital medical expenses abroad (subject to policy terms and conditions and sub-limits).
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By paying premium in Indian Rupees you will get multiple plans to choose from & the sum insured offered is from 50,000 $ to 5 ,00,000 $.
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No medical check-up upto age of 80 yrs.
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Our travel policy offers direct settlement for in-hospital medical expenses abroad (subject to policy terms and conditions and sub-limits).
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This product is specially designed for Asian countries excluding Japan.
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Maximum trip duration under this plan is 30 days only.
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Our travel policy offers direct settlement for in-hospital medical expenses abroad (subject to policy terms and conditions and sub-limits).
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This insurance is specially designed for individuals who frequently travel abroad & it comes with 1 yr validity.
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Per trip duration should not exceed 45 days & maximum total limit is 180 days.
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Our travel policy offers direct settlement for in-hospital medical expenses abroad (subject to policy terms and conditions and sub-limits).
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Family product is specially designed for family (i.e. self & spouse - upto 60 years of age and 2 children - under the age of 21 years) for medical eventualities abroad and provides floater benefit to individual family members.
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For each additional adult between 21-60 yrs additional @ 40 % premium & for additional child (upto 21 yrs) 25% premium will be charged extra which will reflect in policy schedule.
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Our travel policy offers direct settlement for in-hospital medical expenses abroad (subject to policy terms and conditions and sub-limits).
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Our Insurance plans are accepted by most of the foreign universities.
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Pay 1/3 premium as compared to policies offered by Universities abroad.
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Anywhere across the world including USA and Canada.
Anywhere across the world excluding USA and Canada.
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Anywhere across the world including USA and Canada2.
4days
Pax1+Pax2
Total premium - 1600
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