Here are the things you must consider to ensure you have the right and adequate travel insurance:
GET CORRECT BIRTH DATE
Since a crucial part of the travel insurance cover is around emergency medical care, it is important that you consider the age of the people travelling to evaluate the insurance cover required. If the people travelling are senior citizens, it is important that you have more than adequate cover, irrespective of the destination or the duration. It is important to inquire about the policy document to understand the medical cover completely and keep an eye on any additional limits in the cover, such as hospitalisation limit or cap on treatment cost, that could significantly curtail the insurance cover you have purchased.
EXISTING MEDICAL HISTORY
In case any family member has a medical history, ensure the policy covers pre-existing diseases, at least for life threatening situations. You don’t want to be in a situation where you are not able to provide for the best healthcare when you need it the most. Ensure you have discussed with your family, understood their health conditions and made a clear complete declaration in the proposal form, else having a pre-existing cover will be of no use.
ON BASIS OF DESTINATION
If you are travelling to a developed country like United States, United Kingdom or Singapore, it is important that you have a large cover, especially if the duration of the trip is more than two weeks. A short visit to a hospital can burn a huge hole in your pocket, in case you have a small insurance cover.
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