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Visitor insurance no sub-limits

Visitor insurance without sub-limits

Looking for India travel insurance with complete peace of mind? Choose a comprehensive plan without sub-limits for exclusive protection during your stay abroad. Unlike a few policies that have limits on coverage for specific medical services (like doctor visits, ICU, or surgery, visitor insurance without sub-limits ensures comprehensive, covering eligible expenses up to the total policy limit with no category-specific restrictions.

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descriptionComprehensive Benefits plans with Medical and Non Medical Covers

No Sub-Limits! Get Comprehensive Travel Insurance

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What is sub limit in travel insurance?

Sublimits, by definition in Travel Insurance policies are extra restrictions / limits in an insurance policy's coverage of certain losses, primarily Sickness Medical expenses. They are part of the sum insured limit, set a maximum limit to cover a specific loss or for a specific medical expense.

Unlike the total Sum Insured, which is the maximum amount payable by the insurer for a particular coverage, a sublimit restricts the payout for particular categories, such as medical treatments, room rent, or specific procedures, to a lower, predefined amount. Typically they are part of the policy for insureds with advancing age. In other words, a Sublimit in travel insurance is a specific monetary cap placed on certain types of claims or expenses within your overall policy coverage. Some benefits under the Accident & Sickness cover which normally have sublimits are :

Hospital Room Rent and Boarding expenses
Emergency Room Services
ICU Charges
Surgical Treatment Expenses
Physician Consultation Charges
Diagnostic Tests / Testing Services

Ambulance Services

Pharmacy

Miscellaneous Expenses

Emergency Room Services

Non-Surgical (Medical Management cases)

For example

in a travel policy which has an Accident & Sickness Expense coverage of $250,000, it might have a sublimit of $3,000 per day to cover ICU Charges. So if the insured is hospitalised and is in the ICU for 5 days, the claim payable towards ICU Charges will be a maximum of $15,000, irrespective of what the hospital will charge the patient. Let us look at a detailed example below:

Total Sum Insured under Accident & Sickness - $250,000
Expense Head	Cost per day	Number of days	Total Claim Payable
Hospital Room	$,1500	5	$7,500
Surgery Charges	$10,000	One time	$10,000
ICU Charges	$4,000	3	$12,000
Anaesthetist Fees	25% Of Surgery Charges	One time	$2,500
Consulting Charges	$200 per visit	8 visits	$1,600
Pharmacy Expenses	Upto $2,500		$2,500
		Total Coverage	$36,100
Despite a coverage of $250,000, the insurance company will pay $36,100

The insured cannot receive an insurance payout of an amount exceeding the sublimit for the types of loss specified.

As mentioned earlier, the sublimits are introduced for insured members who are advancing in age. Almost all insurance companies offer plans with Sublimits on Medical Expenses above a certain age:

Insurance Company	Age from when Sublimits Applicable
Tata AIG Travel Guard	56 years
Care Health Explore	60 years
Bajaj Allianz Travel Ace	Travel Ace - 50 years Travel Prime / Travel Elite – 60years
Reliance General	60 years
ICICI Lombard	60 years

Popular overseas travel insurance without sublimits for Indian visitors

Some of the popular travel insurance plans offering an option Without Sublimits include:

Insurance Company Name	Travel Insurance Plan Name	Sum Insured Options Available without Sublimits	Age
Tata AIG	Travel Guard Plus / International Plus	$50,000 Silver w/o sublimits $100,000 Silver Plus w/o sublimits $250,000 Gold w/o sublimits	>56 years
Bajaj Allianz	Travel Ace	$50,000 w/o sublimits $200,000 w/o sublimits $500,000 w/o sublimits $750,000 w/o sublimits $1,000,000 w/o sublimits	>50 years
	Travel Premium / Travel Elite	$50,000 w/o sublimits $200,000 w/o sublimits $500,000 w/o sublimits $750,000 w/o sublimits $1,000,000 w/o sublimits	>60 years
Reliance General	Reliance Travel Insurance Travel Prime / Travel Elite – 60years	$50,000 Platinum	>60 years
Care Health	Explore International	$50,000 Platinum $100,000 Platinum	>60 years

Premium Cost Vs Comprehensive Coverage

This is the debate that goes on in the mind of any senior traveler when they are going abroad…Do they opt for a Plan with Sublimits to reduce the premium payable for their trip, or do they go with a Comprehensive Coverage? The debate still rages on…But our recommendation will always be to go ahead with a NIL SUBLIMIT PLAN for your travels…The advantages of purchasing a Travel Insurance plan Without Sublimits are :

Comprehensive Coverage (No cut corners) : A Travel Insurance plan without sublimits covers medical expenses up to the maximum sum insured on the policy, without imposing any caps or restrictions for specific treatments.
Option of Quality Healthcare: With no Sublimit limitations, you can opt for better quality healthcare facilities when you are admitted abroad without worrying about policy restrictions on the coverage.
Claims Process Is More Transparent (Less Questions) : The absence of sublimits simplifies the claims process and makes the policy simpler to understand and more transparent to implement for the insured since all eligible expenses are paid up to the policy maximum.
Less Out-of-Pocket Expenses: Since there are no limitations in the coverage imposed by Sub Limits, you are unlikely to face out-of-pocket expenses if your treatment costs exceed sublimits under the policy. This means more money for you to enjoy the rest of your holiday.

How does travel insurance with sublimits work?

Let us take a scenario of a claim where the insured was hospitalized following an accident…Assumption is that the Hospital Bill is $50,000 and the Medical Sum Insured under the policy is $100,000 with a Deductible of $100

Total Sum Insured under Accident & Sickness - $100,000 (WITH SUBLIMITS)
Expense Head	Hospital Bill	Sublimit Cost per day	Number of days	Insurance Company Pays	Insured Traveler Pays
Hospital Room	$14,000 ($2,000 for 7 days)	$,1500	5	$7,500	$6,500
Surgery Charges	$24,000	$10,000	One time	$10,000	$14,000
ICU Charges	$12,000	$4,000	3	$12,000	-
Anaesthetist Fees	$3,000	25% Of Surgery Charges	One time	$2,500	$500
Consulting Charges	$4,000	$200 per visit	8 visits	$1,600	$2,400
Pharmacy Expenses	$2,900	Upto $2,500	-	$2,500	$400
Deductible	$100			-	$100
Total Coverage	$50,000			$36,100	$23,900
Despite a coverage of $100,000, the insurance company will pay $36,100 and the insured needs to pay $23,900 due to sublimits

How does travel insurance without sublimits work?

Total Sum Insured under Accident & Sickness - $100,000 (WITHOUT SUBLIMITS)
Expense Head	Hospital Bill	Sublimit Cost per day	Number of days	Insurance Company Pays	Insured Traveler Pays
Hospital Room	$14,000 ($2,000 for 7 days)	-	-	$14,000	-
Surgery Charges	$24,000	-	-	$24,000	-
ICU Charges	$12,000	-	-	$12,000	-
Anaesthetist Fees	$3,000	-	-	$3,000	-
Consulting Charges	$4,000	-		$4,000	-
Pharmacy Expenses	$2,900	-	-	$2,900	-
Deductible	$100			-	$100
Total Coverage	$50,000			$49,900	$100
With a coverage of $100,000, the insurance company will pay $49,900 and the insured needs to pay only $100 since there were no Sublimits

Why does NIL Sublimit plans offer better protection to the insured?

NIL Sublimit plans offer better protection for unexpected health emergencies because they allow you to claim upto the maximum sum insured of eligible medical expenses under your policy, without imposing caps on specific treatments or services. This means:

Higher coverage upto Sum Insured for all treatment
Lower Out-of-Pocket Costs to be paid by the insured
Simpler and Transparent Claims Process

Is it recommended to opt for a NO Sublimit plan?

Offcourse, it is highly recommended, despite the difference in premiums, to go ahead with a No Sublimit plan instead of a travel insurance plan with Sublimits. This is mainly because the cost of medical treatment abroad in almost all western countries`are significantly higher than India, and hence traveling there with a travel insurance plan which has Medical Sublimits, may not be an ideal situation. Also when you convert the difference of premium into USD or Euros or British Pound, you will see that the incremental coverage limits in the NIL Sublimit plans, more than compensate for the incremental premium.

Do the Coverages differ between Travel Insurance plans With and Without Sublimits?

No, the coverages under plans with and without sublimits are exactly the same, except in the Medical section which is where the Sublimits will be applied. Here the coverage will be restricted in the plans with Sublimits.

Who should consider a no sublimits plan?

No sublimits plans are ideal for travelers who want comprehensive coverage and are less concerned about premium costs. They are especially suitable for those traveling to countries with high medical costs, such as the US, or for those who want to avoid unexpected out-of-pocket expenses due to treatment caps.

How do you quickly compare Travel Insurance plans With and Without Sublmits?

brief Comparison Table is below:

Feature	With Sublimits	Without Sublimits
Coverage Restrictions	Caps on specific treatments	No caps; covered up to policy max
Premium Payable	Lower	Higher
Complexity	More complex to understand and administer	Simpler for implementation
Out-of-pocket Expenses	Higher risk due to caps	Lower
Suitable For	Budget-conscious travelers	Those seeking Comprehensive Travel Insurance cover