Sublimits are specific constraints or limits in Indian visitor travel insurance policy's cover for certain losses or medical expenses. These travel insurance India sub-limits are part of the original medical maximum coverage amount, which means that the sub-limits do not provide extra coverage but are a specified maximum limit to cover a specific situation. Sub limits in International travel insurance for Indian travelers may be either expressed as a Dollar amount or as a percentage of the total coverage available.
| Travel insurance plans with Sublimts | Travel insurance plans with no Sublimts | |
|---|---|---|
| Definition | Travel insurance with sublimits plan have specific limitations on the coverage available to cover different medical expenses. | Travel insurance without sublimits plan cover up to the available maximum without any limits for specific treatments |
| Coverage | Limits on medical expenses, affordable, ideal for small expenses | Provides extensive coverage, more expensive, offers coverage up to the chosen plan maximum |
| Premium Cost | Cheap and affordable | Higher premiums |
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Travelers who have already traveled from India and do not have insurance can buy travel medical insurance.
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Know more »| Expense | Amount Billed | Plan Pays | Customer Owes |
|---|---|---|---|
| Ambulance | $700 | $400 | $200 + $100 (deductible) |
| Hospital Room Rent | $8,000 for 4 days | $6,000 for 4 days | $2,000 |
| Surgical Treatment | $16,000 | $10,000 | $6,000 |
| Physician’s visits | $400 for 4 days | $300 for 4 days | $100 |
| Total | $25,100 | $16,700 | $8,400 |
| Expense | Amount Billed | Plan Pays | Customer Owes |
|---|---|---|---|
| Ambulance | $700 | $400 | $100 (deductible) |
| Hospital Room Rent | $8,000 for 4 days | $8,000 for 4 days | $0 |
| Surgical Treatment | $16,000 | $16,000 | $0 |
| Physician’s visits | $400 for 4 days | $400 for 4 days | $0 |
| Total | $25,100 | $25,000 | $100 |
There are many insurance companies which offer various plans at competitive prices. The price of the insurance plan varies with the age of the traveler, duration of travel, the travel destination and the medical maximum coverage. The plan which offers lower maximum coverage and fewer policy benefits will be the cheaper plan. The customer has to review the benefits and coverage of choice so that he / she can decide on the cost of the insurance. If the travelers are traveling in groups. Then they can buy a group travel insurance which will be cheaper than the individual travel insurance.
Travel insurance works on the same principle as other insurance plans work. Travelers pay a small amount as premium to the insurance company to get insured themselves. The insurance company holds the money of all the travelers. In case of claim by a traveler. Then the insurance company pays back to the intended traveler as per the agreed terms and conditions of the policy. If it is a cashless hospitalization expenses benefit, then the insurance company pays directly to the hospital while if it is a reimbursement claim. The traveler is reimbursed accordingly.
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