Tourist insurance policies detail out exclusion terms which list the conditions that the insured is not covered for. You may consult your policy document to gather information about exclusion, coverage terms and other exceptional conditions.
Hence, it is important to carefully read the policy document and scrutinize the terms and conditions extensively before finalizing the tourist insurance plan that you want to buy. Ensure that the exclusions do not contain terms that may be highly inappropriate to your needs.
Glance through the exclusions sections which highlight the specific events and circumstances where you may not be allowed to claim for reimbursement. For example, almost all tourist insurance policies do not cover events such as terrorist attacks, war, military action, epidemics and nuclear exposure. You would not be paid the expense in the case of bankruptcy of the travel agency and also any loss arising due to insured?s irresponsible, fraudulent or dishonest deeds.
Medical exclusions detail out pre-existing conditions and certain treatments, illnesses and surgery expenses that the insured may not be able to claim in case they are undertaken without consulting the insurance company. Some examples of medical exclusions are expenses that arise due to immunizations, routine physical examinations, nervous or mental disorders and transplantation procedures. In addition, you cannot claim for child birth, pregnancy, birth control, abortion, sterilization or reversal and 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 medical insurance for tourists policy, and ranges from 6 months to 3 years.
Tourist insurance exclusions also state that you would not be covered for any injuries which arise during any professional sports or athletic events involving regular practice routines for a competition or games. However, coverage is available in case you participate in hazardous activities like bungee jumping, high diving, hot air ballooning, rappelling, canyoning, inline skating, caving and rock climbing. For this, the insured need to purchase a visitor health insurance rider along with the tourist insurance policy plan.
Expenses for injuries, illness or treatment arising from alcohol, drug addiction or substance abuse are not covered by tourist medical insurance. In addition, you cannot claim repayment for any injury or illness which is self-inflicted. Treatment expenses for illnesses which arise due to exposure to the dangers of nuclear radiation or any radioactive materials are not reimbursed
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.
Hence, it is important to carefully read the policy document and scrutinize the terms and conditions extensively before finalizing the tourist insurance plan that you want to buy. Ensure that the exclusions do not contain terms that may be highly inappropriate to your needs.
Glance through the exclusions sections which highlight the specific events and circumstances where you may not be allowed to claim for reimbursement. For example, almost all tourist insurance policies do not cover events such as terrorist attacks, war, military action, epidemics and nuclear exposure. You would not be paid the expense in the case of bankruptcy of the travel agency and also any loss arising due to insured?s irresponsible, fraudulent or dishonest deeds.
Medical exclusions detail out pre-existing conditions and certain treatments, illnesses and surgery expenses that the insured may not be able to claim in case they are undertaken without consulting the insurance company. Some examples of medical exclusions are expenses that arise due to immunizations, routine physical examinations, nervous or mental disorders and transplantation procedures. In addition, you cannot claim for child birth, pregnancy, birth control, abortion, sterilization or reversal and 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 medical insurance for tourists policy, and ranges from 6 months to 3 years.
Tourist insurance exclusions also state that you would not be covered for any injuries which arise during any professional sports or athletic events involving regular practice routines for a competition or games. However, coverage is available in case you participate in hazardous activities like bungee jumping, high diving, hot air ballooning, rappelling, canyoning, inline skating, caving and rock climbing. For this, the insured need to purchase a visitor health insurance rider along with the tourist insurance policy plan.
Expenses for injuries, illness or treatment arising from alcohol, drug addiction or substance abuse are not covered by tourist medical insurance. In addition, you cannot claim repayment for any injury or illness which is self-inflicted. Treatment expenses for illnesses which arise due to exposure to the dangers of nuclear radiation or any radioactive materials are not reimbursed
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.
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