Medical Evacuation Benefits

Frequently asked questions for medical Evacuation

What is Medical Evacuation?

Insurance company will pay the costs incurred up to the Sum Insured or a fixed amount, as specified in the Policy Schedule or Certificate of Insurance for the air or surface transportation of the Insured Person during the Travel Period, including costs incurred for medical care during such transportation caused due to a lack of proper hospitalisation facilities or specialised treatment at the existing location/country.

What does Medical Evacuation entail in a travel insurance policy?

Medical Evacuation encompasses the expenses associated with transporting the insured individual to the nearest appropriate medical facility or back to India in the event of a life-threatening illness or injury while traveling.

Is it necessary to obtain prior approval for evacuation coverage?

Indeed, evacuation must receive pre-approval from the insurer's assistance team, except in cases of time-sensitive emergencies where immediate action is required to preserve life.

Are air ambulance evacuations included in travel insurance coverage?

Yes, air ambulance services (including helicopters or chartered flights) are covered under most comprehensive travel insurance policies, provided they are considered medically necessary and have received approval from the insurer.

Will evacuation be provided if I am on a cruise or situated in a remote area?

Yes, evacuation from cruise ships or isolated locations is included if the medical situation requires urgent care that is not available locally. The costs are dependent upon the location and the method of evacuation.

Is medical evacuation a component of all travel insurance policies?

The majority of international travel insurance plans cover this benefit; however, the extent of coverage and the specific conditions may differ. Certain budget plans might offer limited or no coverage—be sure to review your policy details with eindiainsurance team before purchase.

Are there any restrictions on the evacuation expenses that are covered?

Yes, each policy has a maximum limit (for instance, $100,000–$500,000). Any expenses that exceed this limit must be covered by the insured individual or their family.

What distinguishes Medical Evacuation from Repatriation?

Medical Evacuation involves the transportation of a traveler who is critically ill or injured for medical treatment. In contrast, Repatriation pertains to the return of the insured individual to their home country, either for continued care or, in the event of death, the transfer of mortal remains.

Are evacuation expenses reimbursed if I opt to return home for treatment voluntarily?

No, evacuation costs for voluntary or non-emergency situations are not reimbursed. This benefit is applicable solely when it is recommended by licensed medical professionals and sanctioned by the insurance provider.

Is there coverage for family members accompanying the insured?

Certain plans may cover the expenses for a family member to accompany the insured during the evacuation, particularly in cases involving minors or elderly individuals. This coverage is subject to variation by the insurance provider. Eindiainsurance customer support team can guide better about this coverage.

What steps should I take to initiate a medical evacuation while traveling?

You should promptly contact the 24/7 emergency assistance hotline provided by your insurer. The team will evaluate the circumstances, arrange for transportation, and assist you with the claims process.