Care Explore Africa Travel insurance

Care travel insurance visiting Africa

Africa known for its majestic wildlife, beautiful beaches and scenic landscapes is quite popular among Indians. Africa today is also one of the fastest growing economic regions in the world and this is also incentivizing Indians to travel to Africa.

South Africa, Botswana, Kenya, Tanzania, Morocco, Zimbabwe, Namibia and Egypt are among the most visited countries in Africa by Indians. Indians travelling to Africa can buy the customized Care Explore Africa travel medical insurance as it offers exclusive coverage in the African countries.

The plan covers hospitalization expenses arising from sudden sickness or accidental injuries. Care African travel insurance also covers expenses from risks like loss of passport, trip cancellation or interruption, personal liability. Given all these advantages and the fact that the Care plan is very affordable, makes it ideal for Indians to buy the Care travel insurance for visiting Africa.

Care Explore Africa travel insurance - Details, Benefits & Reviews

• Explore Africa	Explore Gold	Explore Platinum
  Geographical scope
  Africa	Worldwide / Worldwide excluding US and Canada	Worldwide / Worldwide excluding US and Canada
  Sum insured
  USD 25,000, USD 50,000 & USD 100,000	USD 50,000, USD 100,000, USD 300,000 & USD 500,000	USD 50,000, USD 100,000, USD 300,000 & USD 500,000
  Hospitalization expenses
  Yes	Yes	Yes
  In-patient Care  Deductible: US $100 / € 75
  Up to sum insured	Up to sum insured	Up to sum insured
  Pre-existing diseases (Life Threatening Condition)  Deductible: US $100 / € 75
  10% of sum insured	10% of sum insured	10% of sum insured
  Additional sum insured for Accidental Hospitalization  Deductible: US $100 / € 75
  Yes, up to 100% sum insured	Yes, up to 100% sum insured	Yes, up to 100% sum insured
  Out-patient care  Deductible: US $100 / € 75
  20% of sum insured	USD 50,000	USD 50,000
  Daily Allowance  Deductible: 2 days
  US $25 per day, max 5 days	US $25 per day, max 5 days	US $25 per day, max 5 days
  Compassionate Visit
  -	-	US $5,000
  Return of Minor Child
  -	-	US $2,000
  Upgradation to Business Class
  US $1,000	US $1,000	US $1,000
  Dental Expenses  Deductible: US $100 / € 75
  US $300	US $300	US $300
  Personal Accident
  US $15,000	US $15,000	US $15,000
  Common Carrier Accidental Death
  -	-	US $5,000
  Medical Evacuation
  US $10,000	US $50,000	US $50,000
  Repatriation of Mortal Remains
  US $10,000	US $50,000	US $50,000
  Trip Cancellation and Interruption
  US $1,000	US $1,000	US $1,000
  Trip Delay  Time delay: 12 hours
  US $500	US $500	US $500
  Loss of Checked-in-Baggage
  US $100	US $100	US $100
  Delay of Checked-in-Baggage  Time delay: 12 hours
  US $100	US $100	US $100
  Loss of Passport
  US $300	US $300	US $300
  Personal Liability  Deductible: US $100 / € 75
  US $100,000	US $100,000	US $100,000

  Sub limit details are as follows: Sublimits are applicable for age 61 and above. However this sublimits are waived off / not applicable for travelers who buy a Explore Platinum plan.

  Medical Expense	Sub-limit
  Room Rent including boarding and lodging	1.5% of the sum insured subject to maximum of US $ 2,000 per day / € 1,500 per day
  ICU Charges	2% of the sum insured subject to a maximum of US $ 3,000 per day / € 2,250 per day
  Operation Theatre Charges (Including surgeon charges)	10% of the sum insured subject to a maximum of US $ 20,000 per claim / € 15,000 per claim
  Ambulance Services	US $ 500 per claim / €375 per claim
  Diagnostics and Radiology Services	US $ 1,000 per claim / €750 per claim
  Medical Practitioners visit fees	US $ 100, per visit / € 75 per visit subject to maximum of 10 visits per claim
  Miscellaneous Expenses	US $ 1,000 per claim / € 750 per claim

  For the purpose of application of the above limits :
  (i) Surgery includes operation theatre charges, surgeon fees, implant charges and all other associated charges.
  (ii) Ambulance Services include cost of transportation of the Insured Person to the nearest Hospital and paramedic services.
  (iii) Miscellaneous Expenses includes but not limited to the cost of medicines, pharmacy or drugs supplies, nursing charges, external medical appliances as prescribed by a registered Medical Practitioner as necessary and essential as part of the treatment on actuals, blood storage and processing charges and any other services which are not specified above.

• Coverage for medical needs

  

  • Hospitalisation Cover - In-patient & Out-patient
  • Pre-Existing Disease Coverage
  • Double Sum Insured for Accidental Hospitalization
  • Treatment in Home Country
  • Medical Evacuation
  • Common Carrier Accidental Death
  • Dental Expenses
  • Daily Allowance for Hospitalization
  • 2-way Compassionate Visit
  • Accidental Death/Permanent Total Disability

  Coverage for non-medical needs

  

  • Trip Delay, Cancellation or Interruption
  • Loss/Delay of Checked-In baggage
  • Loss of Passport
  • Personal Liability
  • Return of Minor Child
  • Up-gradation To Business Class

• Pre-existing conditions coverage under Care travel policy

  • Under life threatening situations, Care covers medical expenses for pre-existing diseases.
  • Covers critical diseases like Liver disease, Cancer / Tumor, Coronary Artery Heart Disease, Kidney Disease, Paralysis / Stroke
  • It is cashless if hospitalization is more than 24 hours
  • Reimbursement if hospitalization is less than 24 hours

• Care Explore Europe travel insurance claims procedure

  In case of Claim, notify Care health insurance immediately on any of the below touch-points for hassle free processing and speedy settlements.
  
  Falck Global Assistance (24 hours assistance centre)
  

  • • USA & Canada: +1 844 301 3135 / +1 844 301 3146 ( Toll Free)
    • Rest of the world: +91-124-4498760 (Call Back Facility)
  • Email: travelassistance@religare.com
  • Fax: +91- 124- 4006674

  In case of reimbursement of treatment expenses, reach Care health insurance at the below touch points
  
  Care Health Insurance Company Limited GYS Global, Plot No. A3, A4, A5, Sector - 125, Noida, U.P. - 201301
  

  • India: 1800 200 4488 (Toll Free & Accessible in India only)
  • Email: travelclaims@religare.com
  • Fax: 1800 200 6677

  Be it Cashless settlement or reimbursement of medical expenses, Care Health Insurance Company delivers its promise of worry free experience!
  NRI Online Pvt Ltd markets Care Health Insurance company's various insurance products. However NRI Online Pvt Ltd is not responsible for any claims. Claims are settled directly by Care Health Insurance Company Limited.

• Care Travel Insurance Plans - FAQ's

  How do I use the insurance if I fall sick during my overseas trip?

  The Medical Cover component of your Care travel insurance: Covers your treatment and hospitalization if needed for an illness that happens during your travel. In the event that you need further treatment even after your return to India, the medical expenses for this ailment will be covered up to a period of 30 days or the policy end date whichever is earlier. There is an additional benefit in that the policy medical sum insured is doubled in the event of an accident (as opposed to sickness).

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  How does this policy cater to medical evacuation should the need arise during my travel abroad?

  The Medical Evacuation component of the policy will covers the costs incurred for any emergency evacuation and transportation that is needed to transfer the insured to an appropriate medical facility within our coverage network.

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  Does the policy provide any coverage should the vehicle that the insured is traveling in has an accident?

  The Personal Accident clause covers any adverse circumstance arising due to an accident, be it death or permanent total disability, while the insured is overseas.

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  Does the insurance cover the insured if the aircraft that he/she is flying in is involved in an mishap? The Common Carrier Accidental Death clause provides a lumpsum payment of the sum insured in the event of accidental death of the insured while traveling on a common carrier/transport.

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  What dental coverage does the policy provide?

  Dental Expenses: incurred in connection with any injury while on your trip are covered by the policy.

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  How can I renew my Care travel policy? How do I extend my Care travel insurance?

  You can renew the Care policy online. Fill the relevant details of the current existing policy and claims information (if any)and submit the form online. Our insurance advisors will then try to get approval based on the filled details. The policy holder will be updated on the approval or rejection of the renewal request as early as possible (maximum 1 working day). if approved the policy holder will be sent a buy url where he / she can pay online and renew his policy.

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  Can I extend my Care travel insurance while abroad?

  Yes you can extend your travel insurance while being abroad. Fill the Care insurance policy renewal form so that our insurance advisors will help you to renew your policy. Below 70 year old Travel policies can initially be purchased for 6 months and can be renewed for another 6 months provided that the policy holder is in good health, no claims on the existing policy and the policy has not expired. If the policy has expired or has any claims then renewal is based on approval from the insurance head office. However for 70+ travel policies the sum total number of policy days included subsequent renewals cannot exceed 180 days.

• Care Explore Europe insurance - Exclusions

  • Expenses arising out of or attributable to alcohol or drug use/misuse/abuse.
  • War and Nuclear perils or consequences thereof.
  • Ionising Radiation or contamination arising out of the same.
  • Any intentional self-injury, suicide or attempted suicide.
  • Any claim relating to hazardous activities.
  • The insured being involved in Breach of taw.
  • HIV/AIDS.