Travel Health Insurance vs Travel Insurance: How TATA AIG Covers Medical Emergencies Abroad
Many people planning an international trip make the common mistake of assuming travel health insurance and travel insurance are the same. But they are actually very different. Travel health insurance is a plan designed to…
Many people planning an international trip make the common mistake of assuming travel health insurance and travel insurance are the same. But they are actually very different.
Travel health insurance is a plan designed to cover medical emergencies abroad, while travel insurance online offers broader protection for medical and non-medical emergencies.
In this article, we will explain the difference between travel and travel and health insurance for your international trip, and discuss how TATA AIG travel insurance plans cover medical emergencies and more.
What Is Travel Health Insurance?
Travel health insurance is a type of travel insurance cover that focuses primarily on medical emergencies during your trip.
From emergency hospitalisation and doctor visits to medical evacuation and more, the plan covers healthcare-related expenses while you are away from home.
What Is Travel Insurance?
Travel insurance is an all-round coverage that offers protection for your next holiday from unexpected travel headaches.
It covers medical emergencies like hospitalisation and doctor visits, as well as baggage loss, trip cancellation, missed flight connections, lost passports and more.
Travel Health Insurance vs Travel Insurance
| Parameters | Travel Health Insurance | Comprehensive Travel Insurance |
| Emergency Medical Treatment | Provide coverage for emergency medical treatment during the trip, as per policy terms. | Covers eligible medical expenses during the trip, such as hospitalisation and doctor visits. |
| Medical Evacuation | Cover emergency medical evacuation to an appropriate medical facility or to the home country. | Offers coverage for emergency medical evacuation and repatriation, subject to policy terms. |
| Trip Cancellation and Curtailment | Not covered | Covers eligible non-refundable trip costs if a covered event causes cancellation or early return. |
| Baggage Loss and Delay | Not covered | Covers baggage loss, damage or delay, subject to policy terms and limits. |
Why Do You Need Medical Coverage When Travelling Abroad?
Medical coverage matters when travelling abroad because an unexpected illness, injury, or medical emergency can lead to significant expenses. Here is how travel insurance online cover will help you:
- Suppose you develop food poisoning after eating at a local restaurant that requires emergency medical treatment. With a travel insurance plan with medical coverage, you can pay for eligible medical expenses.
- You may suffer a serious injury while trekking in a remote area and need to be transported to a nearby hospital. A travel insurance policy with medical evacuation will cover the costs.
How Does TATA AIG Travel Insurance Cover Medical Emergencies Abroad?
TATA AIG offers multiple travel insurance plans with medical coverage to help travellers manage eligible medical expenses from unexpected emergencies abroad.
- Coverage for Medical Emergencies: Travellers can choose a plan based on their needs, with medical expense coverage of up to $1 million per incident. This can help cover eligible expenses arising from a sudden illness or accidental injury during an overseas trip.
- Emergency Medical Evacuation: If the local hospital cannot treat you, TATA AIG pays to move you by ambulance or air ambulance to the nearest better hospital, or flies you back home to India.
- Cashless Treatment: Through its global partner network, eligible emergency treatments at network hospitals can be settled cashlessly, so you don’t have to pay large bills up front.
Secure Your Trip with TATA AIG Customised Travel Insurance Plan
Any disruption during a trip can become an unexpected expense, whether it is a flight delay, medical emergency or a missed connection.TATA AIG offers a customised travel insurance plan tailored to your travel needs.
Their plans cover medical expenses of up to USD 1 million per incident, checked-baggage loss up to $500, baggage delay and flight delay up to $50 each, trip cancellation up to $250, and missed connections up to $750. You can purchase their policy online instantly; no medical check-up required.