Health insurance sector of India now made Overseas Medical Insurance scheme for those Indians who travel abroad frequently.
Health Sector of all over the world has gone through various changes, advancement and performance of technology and especially in India the changes can be noticed clearly. It has grown up a lot form the past experiences, now people can get their insurance policies through online process and also can update details or pay claims through online process.
Now-a-days there are lots of hospitals in India which are internationally also popular for their specialized treatments; but all these certain changes in the health care sector has made the treatment cost more expensive for the common people. Though there are lots of high rated health care services in our country but these all are not cheap enough and will leave the patients with the burden of huge medical bills. There is only one way to avoid this financial burden and that is having a proper medical insurance for the individual person or for the family members.
Besides this scenario, it is also important for the people travelling abroad to be aware about the limitation of their domestic health insurance coverage as it is only limited to their home country. But there are also some special insurance plans called as Overseas Medical Insurance plans those cover the insured for emergency situations abroad. These plans also have cashless hospitalization facilities under travel insurance plans that will save the insured from financial loss by paying at hospital in the time of emergency while being in abroad for a holiday or business trip.
Insurance companies of India offer the insured health insurance policies in an affordable price and premiums with good coverage. Indian health sector has taken this decision as there are lots of Indian overseas medical plans that would be difficult to understand for the people from outside the insurance industry about the different options.
So Insurance companies have their travel related health insurance plans for the people who either visits abroad for some business purpose or for holiday often. The simple rule is while visiting a foreign country travelers are advised to grab a little knowledge about their existing health insurance plans before leaving India. This little step will help them to be aware about the places to visit and to know the possibilities, limitations while exploring the destination. Here are some necessary things that can be avoided from facing trouble while staying in abroad:
No insurance plan can reject or refuse the person who has pre-existing medical condition to pay for important health benefits for any condition you had before the coverage began.
After the enrollment, the plan can’t deny the person’s coverage or raise the rates as per the health conditions.
Medicaid and the Children’s Health Insurance Program also can’t refuse to cover the insured or can’t charge more for pre-existing condition.
So basically, having a pre-existing condition is not a boundary for any person to get any health insurance plan or the person is not bound to charge extra penny for this. Besides the above diseases, pregnancy is also considered as a pre-existing condition under some reasons:
People need to book their flight tickets well in advance to avoid any kind of last minute hurry.
Always book the hotel rooms, cruise or cars etc. with the travel agents in India.
Luggage have to be packed as per requirement, unnecessary luggage should be avoided.
Validity of Passport should be check before living the country.
After the Visa stamp, take print out of the passport with other travel documents.
Carry medicines while travelling for pre-existing conditions.
There are many health insurance companies offer overseas travel insurance for Indian visitors, just go through them and have one of them as per requirement.