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 tourists 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.
Tourist Insurance Exclusions is divided into a couple of sections and highlight specific events for which you would not be reimbursed the expenses. For example, terrorist attacks, war, military action, nuclear exposure and epidemics are not covered under the tourist insurance plan. In case the travel agency goes bankrupt or the insured incurs any loss due to fraudulent, dishonest or irresponsible deeds, the claims would not be paid by the insurance provider.
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 tourists insurance policy, and ranges from 6 months to 3 years.
Injuries sustained due to participation in professional sports or athletic activities involving scheduled practices regularly for competition or games are not covered. However, coverage for adventurous sports like high diving, caving, bungee jumping, rappelling, rock climbing, inline skating, canyoning, hot air ballooning and other hazardous activities can be availed of by purchasing a visitor health insurance rider along with the policy.
Tourist medical insurance does not cover any treatment, illness or injuries which arise due to substance abuse or addiction to drug and alcohol. Self-inflicted injuries and dangers arising due to exposure to nuclear radiations and radio active materials are also not covered.
Always carry your tourist insurance policy document and the helpline numbers while you travel on a holiday. In case of clarifications, you can contact your insurance company or call up the round the clock helpline assistance.
Hence, before finalizing on any tourists 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.
Tourist Insurance Exclusions is divided into a couple of sections and highlight specific events for which you would not be reimbursed the expenses. For example, terrorist attacks, war, military action, nuclear exposure and epidemics are not covered under the tourist insurance plan. In case the travel agency goes bankrupt or the insured incurs any loss due to fraudulent, dishonest or irresponsible deeds, the claims would not be paid by the insurance provider.
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 tourists insurance policy, and ranges from 6 months to 3 years.
Injuries sustained due to participation in professional sports or athletic activities involving scheduled practices regularly for competition or games are not covered. However, coverage for adventurous sports like high diving, caving, bungee jumping, rappelling, rock climbing, inline skating, canyoning, hot air ballooning and other hazardous activities can be availed of by purchasing a visitor health insurance rider along with the policy.
Tourist medical insurance does not cover any treatment, illness or injuries which arise due to substance abuse or addiction to drug and alcohol. Self-inflicted injuries and dangers arising due to exposure to nuclear radiations and radio active materials are also not covered.
Always carry your tourist insurance policy document and the helpline numbers while you travel on a holiday. In case of clarifications, you can contact your insurance company or call up the round the clock helpline assistance.
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