Limitations Of Health Insurance For Tourists
Tourist insurance policy documents highlight conditions which does not cover the insured. In addition, terms of coverage and exceptions are also listed.
Hence, before finalizing on any tourist insurance plan, read the policy document and terms and conditions very carefully to see whether the coverage terms are suitable for your requirements. In addition, make sure that exclusions do not contain those conditions that may not be appropriate in your case.
Exclusions are generally divided into various sections which highlight different events and the specific conditions that the tourist insurance policy does not cover. For example, some of the general exclusions highlighted in any plan include events such as political resurrection, epidemics and pandemics, military action, war, terrorist attacks, nuclear accidents, and any similar activities. Others relate to any fraudulent or dishonest deeds, bankruptcy of the travel agency and losses arising due to irresponsibility of the insured.
Medical exclusions normally detail out pre-existing conditions, any medical treatment undertaken without the consent of the insurance company and also medical expenses incurred in your home country. The visitor health insurance plans do not cover the cost of routine physical examinations, immunizations, nervous or mental disorders or transplantation procedures. You cannot claim reimbursement for pregnancy, abortion, child birth, birth control, sterilization or reversal and also impotency or infertility.
Pre-existing conditions refer to any ailment, illness, injury, disease or sickness which existed while applying for the insurance or anytime for before a few years before the effective date for the insurance. This time period that the policies look back at, varies with the tourist medical insurance policy, and ranges from 6 months to 3 years.
In case you participate in any professional sports activities or athletic events which involve regular scheduled practices for competition, you would not be able to claim for treating injuries during these events. However, coverage is available for adventure sports like inline skating, bungee jumping, canyoning, rock climbing, high diving, caving, hot air ballooning, rappelling and similar hazardous activities. You need to purchase a visitor health insurance rider along with the policy to avail this benefit.
Tourist medical insurance plans do not cover any injuries, illness or treatment that are self-inflicted or arising due to substance or drug abuse, alcohol addiction, exposure to dangerous nuclear radiations or radio active materials.
It is advisable to carry the tourist insurance policy details and also the helpline assistance numbers during your trip. This would be of great use in case you would want to seek any help in a foreign land. - 23211
Hence, before finalizing on any tourist insurance plan, read the policy document and terms and conditions very carefully to see whether the coverage terms are suitable for your requirements. In addition, make sure that exclusions do not contain those conditions that may not be appropriate in your case.
Exclusions are generally divided into various sections which highlight different events and the specific conditions that the tourist insurance policy does not cover. For example, some of the general exclusions highlighted in any plan include events such as political resurrection, epidemics and pandemics, military action, war, terrorist attacks, nuclear accidents, and any similar activities. Others relate to any fraudulent or dishonest deeds, bankruptcy of the travel agency and losses arising due to irresponsibility of the insured.
Medical exclusions normally detail out pre-existing conditions, any medical treatment undertaken without the consent of the insurance company and also medical expenses incurred in your home country. The visitor health insurance plans do not cover the cost of routine physical examinations, immunizations, nervous or mental disorders or transplantation procedures. You cannot claim reimbursement for pregnancy, abortion, child birth, birth control, sterilization or reversal and also impotency or infertility.
Pre-existing conditions refer to any ailment, illness, injury, disease or sickness which existed while applying for the insurance or anytime for before a few years before the effective date for the insurance. This time period that the policies look back at, varies with the tourist medical insurance policy, and ranges from 6 months to 3 years.
In case you participate in any professional sports activities or athletic events which involve regular scheduled practices for competition, you would not be able to claim for treating injuries during these events. However, coverage is available for adventure sports like inline skating, bungee jumping, canyoning, rock climbing, high diving, caving, hot air ballooning, rappelling and similar hazardous activities. You need to purchase a visitor health insurance rider along with the policy to avail this benefit.
Tourist medical insurance plans do not cover any injuries, illness or treatment that are self-inflicted or arising due to substance or drug abuse, alcohol addiction, exposure to dangerous nuclear radiations or radio active materials.
It is advisable to carry the tourist insurance policy details and also the helpline assistance numbers during your trip. This would be of great use in case you would want to seek any help in a foreign land. - 23211
posted by X - Men @ 1:31 AM
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