When you have elderly visitors in foreign countries special care has to be taken by those who receive them. Those who are in their 70s and 80s are generally considered as senior citizens. The medical insurance plans for senior citizens are exclusively designed by insurance providers. Compared to younger travelers the medical benefits offered for senior citizens are limited. Given this situation it is important that you must do a proper evaluation of all options when you are selecting travel insurance plans for senior citizens.
Unfortunately there are only few insurance providers and travel insurance plans offered for senior citizens. For insurers age of the traveler is one of the major criteria while designing travel insurance products. It is generally accepted fact that younger travelers are healthy compared to elderly travelers. The medical coverage offered under travel insurance is directly related to the travelers' age. The maximum coverage is limited for travelers who are 70 and above in the age.
Many Indian insurance companies ask for medical documents for senior citizens before buying travel insurance policy. A medical checkup is intended to assess the health condition of the travelers. Most of the travel insurance products by Indian insurers will not cover the policy holder for pre existing medical conditions. All these nuances of medical benefits detail must be understood by the senior citizens before purchasing travel insurance. The coverage of senior citizen travel insurance policy will be offered with certain limitations. All these details of the plan will be available in the plan brochure of travel insurance.
There are travel insurance plans with better coverage but the premium cost will also be more. Though the premium cost is high for senior citizen travel insurance you can not afford to travel uninsured to a foreign country where the health care is exorbitant. At your old age it is common to fall ill or get injured and a minor treatment abroad can cost you several dollars. Travel insurance for Senior Citizens help you stay in a foreign country peacefully with little worry about financial assistance in case of a medical emergency.
Some of the general things to consider while buying Senior Citizen travel insurance
Health Conditions The health condition of elderly travelers will not be the same compared to youngsters. In their 70s and 80s, senior travelers might be suffering from health disorders. The insurance companies ask for medical check up to learn the health condition of the travelers. It is advisable to buy the best available overseas health insurance despite it being expensive given the extremely high cost of healthcare overseas.
Health Precautions It is recommended that senior travelers carry adequate supply of their medications that they regularly take. It is also advisable to have enough spare medicines, an extra pair glasses, adequate warm clothing if traveling to colder climate.
Travel Itinerary The activities and the duration of stay overseas are also significant while selecting the medical benefits. The longer the duration of stay overseas, the greater the probability of needing health care. Buy a plan that can provide effective coverage during their stay. Do try to ensure that the travel itinerary is not too stressful on the elderly.
Coverage Period The coverage period of travel insurance should be selected carefully. You should be aware that the premium cost of travel insurance policy for senior citizens can be expensive if the duration of overseas visit is longer. Choose the plan that can cover senior citizens with better medical benefits for a longer duration.