We think that just as wanderlust and travel have no age restrictions, neither should travel insurance. With coverage under senior citizen travel insurance, they can travel the globe and encounter fascinating new cultures.

These insurance plans were developed keeping in mind all the issues that senior citizens encounter while travelling. Senior citizens can get their claims resolved as quickly as possible to minimise disruptions on their trip. Here are why senior citizens should get travel insurance:

Insurance for mishaps and illnesses: Aside from the fact that getting sick is never fun, getting sick while travelling is terrifying. The policy can assist in covering the expenses related to receiving care when you are ill and need to be hospitalised. An accident may result in a brief hospital stay or worse. No matter what transpires, senior citizen travel insurance can assist you in covering the costs. This can include providing emergency medical care, medical evacuation, and repatriation of the insured’s remains. If necessary, emergency dental services can be covered.

Travel support: Discovering a new place can be exciting. However, if something goes wrong, it cannot be very comforting. The senior citizen travel insurance plan will be there for you if you need assistance locating where you can receive medical care or how to go about applying for a new passport if yours is lost or stolen.

Baggage delay or loss: You don’t have to worry if your bag is stolen, lost, or delayed because it was accidentally left behind or sent somewhere else. You may get financial assistance or reimbursement for the price of your lost luggage with the international senior travel insurance policy.

Personal liability: You won’t have to pay out of pocket if you cause an accident that results in someone getting hurt or their property getting damaged. The cost of any required medical care or repairs will be partially covered by the insurance policy.

Automatic extensions: Senior citizen travel insurance benefits mean you can extend insurance for an additional 60 days or until you’re discharged, whichever comes first if you happen to be hospitalised while travelling abroad.

What exclusions can you expect?

• The insured person harms themselves intentionally, attempts suicide, or needs medical attention for conditions such as AIDS, HIV, depression, anxiety, or other sexually transmitted diseases
• Any medical care necessary as a result of wounds received while under the influence of alcohol, drugs, hallucinogens, or other intoxicants is not covered by insurance
• Involvement in criminal activity, theft, fraud, or other nefarious behaviour
• Losses and damages won’t be covered in situations where the insured person is piloting a plane for the first time or serving as a crew member
• Losses brought on by a war or a situation resembling a war, such as a civil war, invasion, insurrection, revolution, or because of an enemy’s act from abroad, will not be covered
• Losses resulting from the use of military equipment and force to stop or intercept a terrorism-related act will not be covered
• A nuclear reaction, radiation, radioactive contamination, or the release of pathogenic or poisonous materials are not considered covered damages or losses
• If you engage in manual labour or other risky work for your health or safety, claims won’t be compensated
• The medical expenses won’t be paid for if you have a congenital anomaly and need assistance or suffer from a complication
• There will be no coverage from senior citizen travel health insurance on the cost of the treatment if the insured has osteoporosis or sustains a fracture in an area where a pre-existing condition has weakened the bone.

These are the reasons why having a senior citizen travel insurance is so vital.

* Standard T&C Apply

** Currently, there are 2 tax regimes in India – new and old. To get the tax benefit you desire, choose the correct one after consulting an expert. You can opt for a regime change during the next financial year.

# Visit the official website of IRDAI for further details.

## All savings are provided by the insurer as per the IRDAI-approved insurance plan. Standard T&C apply

Insurance is the subject matter of solicitation. For more details on benefits, exclusions,

limitations, terms, and conditions, please read the sales brochure/policy wording carefully

before concluding a sale.