Ensure original birthdate: Since an essential aspect of the travel insurance cover relates to emergency medical care, it is essential to consider the age of individuals traveling to assess the insurance cover needed. To fully comprehend the medical cover, it is essential to inquire about the policy document and maintain an eye on any extra coverage boundaries, such as hospitalization boundaries or therapy cost caps that could substantially curtail the insurance cover you bought.
Any current medical history: Ensure that the policy includes pre-existing illnesses in case any family member has a medical history, at least for life-threatening circumstances. You do not want to be in a situation where you can’t provide the finest medical care when you most need it. Make sure that you have communicated with your family, acknowledged their health circumstances, and made a clear statement in the proposal form, otherwise, it would be of no use to have a pre-existing cover.
On destination’s basis: If you are traveling to a developed nation such as the U.S, U.K or Singapore, it is essential to have a big cover, particularly if the journey is longer than two weeks. A brief visit to a hospital, if you have a tiny insurance cover, can burn an enormous hole in your pocket.
REASON OF THE TRIP: Ensure you understand the terms of each cover, match, and deductibles. For example, if baggage delay coverage is important to you, you should not only evaluate the policy on the insured sum or coverage mentioned in the brochure but also understand the time deductible in the policy.
Assess requests services by checking if the insurance firm has a call-back facility or toll-free number for the nation you are currently visiting. Keep in mind that you are covered by travel insurance for medical and dental OPD treatments.