India Senior Citizen Travel Insurance - Forum

Dear Insurance desk,
I am interested in medical insurance for my mother 85 years who is planning to visit me in the UK. I am a little confused about the $7,500 sublimits for over 81 so what is the $250,000 cover for? Please advise before I purchase the online plan.

Thanks
Sungita

Answer

Dear Ms.Sungita,
Thank you for contacting NRIOL for your trawelltag's Trawelltag Cover-More insurance requirements. Once the travelers crosses certain age every company has medical sublimits or restrictions. In the case of Trawelltag Cover-More insurance plans since your mother is 81 year old and if you choose a $250,000 coverage plan, the limit for each medical claim is $7,500 even though the full coverage is $250,000. So there can be multiple claims up to a maximum of $250,000.

You can get free quotes and buy the policy online at:
Trawelltag Cover-More Travel Insurance

Thank you,
NRIOL Customer support.
080-4110 1026

Dear Insurance desk,
My parents, aged 74 and 68, will be visiting us in a week’s time. I'd like to know what the TATA AIG health insurance policy provided by yourself covers; what types, if any, screening will my parents have to undertake; and does the policy cover pre-conditions.

Thanks
Mushtaq

Answer

Dear Mushtaq,
Thank you for contacting NRIOL for your travel insurance requirements. The policy covers for

• Sickness and accident medical expenses when the insured is overseas.
• Pre-existing conditions are covered up to $1,500 only in case of life threatening situations only.
• No medical reports required to purchase the policy.

You can get free quotes and buy the policy online at
TATA AIG Travel Insurance

Thank you,
NRIOL Customer support.
080-4110 1026

Dear NRIOL Customer support,
I'm looking for 70+ TATA AIG insurance (medical / travel) for my mother during her stay in Saudi Arabia for a period of 3 months and might be extended later.

Thank you,
Padmakumar

Answer

Dear Padmakumar,
TATA AIG has a specific $50,000 coverage plan for the travelers above 70 years. You can buy the policy for 6 months at a time. If you are planning to buy initially for 3 months and later on renew the policy for the duration of her stay, please note that the renewal is based on no claims and good health declaration.
Buy 70+ Insurance


If she has any claims on the existing policy or policy already expired then your request for renewal of policy will go to the head office for approval. If you get an approval for the renewal of policy then you can renew the policy online from the current day for the number of days you have requested for renewal.
Renew Online

Below are few points to be noted

1. Claims from after expiry of the initial policy to till you purchase the new policy (after getting approval) will not be accepted, however claims after you purchase the policy will be covered
   Click here to know more about claims procedure
2. For 70+, sum total number of insurance coverage days under the first policy and subsequent renewals should not exceed 180 days.

Thank you,
NRIOL Customer support.
080-4110 1026

Dear NRIOL Customer support,
I want to take a one month overseas travel insurance for an uncle of mine aged 85 years. Travel is to Australia for a wedding. Total stay is 30 days. Please advice.

Thank you,
George Varghese

Answer

Dear George,
For a traveler aged 85 years, there are only a few companies which offer insurance for overseas travel. Therefore i'm suggesting the following plans:


ICICI Lombard offers coverage for $25,000 and $50,000.
Plan Details


Trawelltag's National Insurance offers coverage for $50,000 and $250,000.
Plan Details


Bajaj Allianz Insurance offers coverage for $50,000.
Plan Details

As the traveler is 80+ the above companies have medical subimits (capping). You can purchase the policy online by filling simple online proposal form and without giving any medical reports for issuance of policy.
However Bajaj Allianz provides an additional option where the traveler can purchase the policy online by submitting medical reports.

Thank you,
NRIOL Customer support.
080-4110 1026