Senior Citizen Travel Insurance India 2025

1. Expenses for medical evacuation, dental treatment, or return of mortal remains

1. Medical concierge services for support abroad

1. Compassionate visit coverage for a family member if hospitalized

1. Accident coverage for death or permanent disability

1. Emergency cash in case of theft

1. Hijack distress allowance for added support

Benefits of Senior Citizen Travel Insurance?

The following benefits that accompanies a scti makes it a must-buy for any sc travelling abroad.

1. Covers High Medical Costs: Medical treatment abroad can cost over ₹1.2 lakh ($2000). Without insurance, a sudden illness could ruin your budget and travel plans.

1. Foreign Currency Coverage: You pay the premium in rupees, but get coverage in dollars. For example, ₹1000 can give you coverage up to $100,000—great value, especially with rupee fluctuations.

1. Emergency Support: Many seniors have pre-existing health conditions. Travel insurance offers peace of mind by covering emergencies and health risks during the trip.

1. Overseas Help: Lost baggage, minor injuries, or language barriers—insurance gives seniors access to assistance and support when they need it most.

What does a Senior Citizen Travel Insurance Cover?

Senior citizen travel insurance typically covers:

1. Medical treatment & emergency evacuation
2. Repatriation of remains
3. Loss or delay of checked-in baggage
4. Loss of passport or travel documents
5. Personal accident & liability
6. Hijack distress allowance
7. Missed connecting flights & trip delays
8. Emergency cash in case of theft
9. Trip cancellation or interruption

Common Exclusions in a Senior Citizen Travel Insurance

Here are some situations that are usually not covered under senior citizen travel insurance:

1. Pre-existing medical conditions, unless life-threatening
2. Issues related to mental illness, self-harm, drug/alcohol use, stress, or suicide
3. Travel against medical advice or when awaiting a specific treatment
4. Terminal illness if travelling for treatment abroad
5. War, nuclear risks, or travel to high-risk countries
6. Unattended baggage or documents, or losses not reported to the police

Why do You Need Senior Citizen Travel Insurance?

1. Considering the probability that senior citizens are more prone to medical emergencies, it becomes absolutely essential for them to secure a travel insurance before an overseas trip.
2. Most of the people over 65 years have an pre-existing medical condition and if they fall sick or meets with an accident in a foreign country, that would make the health condition of that person rather frail than someone aged under 40 years.
3. Foreign climate and food might put extra stress on older people and worsen the health. Given the fact that the cost of medical treatment abroad is unaffordable, it would be a good idea to get a travel insurance plan .
4. Other features like cashless claim, medical concierge services and cover for missed flights and baggage will be of immense help to senior citizens who would otherwise feel lost in case of a sudden unforeseen event.

How to Compare Senior Citizen Travel Insurance?

Here are a few points that will help you compare and shortlist the best travel insurance schemes for senior citizens.

1. Sum Assured - Senior citizens must always opt for travel insurance policy with higher sum assurance as most of the medical treatments are very expensive abroad.
2. Medical Conditions - If you are a person over 65 years suffering from a pre-existing medical condition like diabetes, ortho problems and heart diseases, find a travel insurance plan that will offer pre-existing coverage. When you are comparing travel insurance plans, see if they offer coverage for pre-existing medical conditions if you are suffering from any or only for life threatening diseases.
3. Premium Costs - The cost of travel insurance premium is based on your travel destination, age of insured, coverage amount and other benefits that it offers. Compare travel insurance based on what features are available for the most affordable premium cost.
4. Other Benefits - See if your insurer is offering you facilities like cashless claims and hospitalization, overseas medical assistance, easy claims process, online renewal and automatic policy extensions. Such features will save you a lot of hassles.

How to file a Claim for Senior Citizen Travel Insurance?

The general claims process is as follows.

1. Contact your insurer by mail, fax or toll-free number to know more about how to file a claim for your incident that you have faced.
2. Your insurer will forward you a claims form and depending on your exigency, related documents will be asked for along with a duly filled claims form.
3. You will be required to send all documents through email or mail to your insurer. A surveyor will be appointed and your claims form will be processed accordingly.