Home » India travel insurance sub-limts vs no sub-limits

India travel insurance sub-limts vs no sub-limits

Travel Sublimit

What is sub limit in travel insurance?

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.
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Difference between Indian overseas travel insurance having sub-limits and not having sub-limits

Travel insurance plans with Sublimts Travel insurance plans with no Sublimits
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

How do these sub limits in Indian tourist travel insurance plans work?

Example: Indian travel insurance with sublimits

Let us take an example where the medical bill is $25,000.
Deductible is $100 - First $100 the customer needs to pay before the insurance company pays.
The plan covers up to a maximum of $50,000.
The insurance company only pays limited amount for the expenses, assuming the following breakdown:

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

Example: Indian travel insurance without sublimits

Let us take an example where the medical bill is $25,000.
The plan covers up to a maximum of $50,000.
Deductible is $100 - First $100 the customer needs to pay before the insurance company pays.
The insurance company pays full amount for the expenses after the deductible is paid by the customer, assuming the following breakdown:

Expense Amount Billed Plan Pays Customer Owes
Ambulance $700 $600 $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

Find out more about Indian travel insurance

Types of Insurance
Types of Insurance
Curious to know?

Please find out the different types of travel insurance that suits your travel.

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Already outside India
Already outside India
We can help!

Travelers who have already traveled from India and do not have insurance can buy travel medical insurance.

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Online Renewal
Online Renewal
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Insurance customers can renew their existing policy online before the exipry date at any time.

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Indian Travel Insurance Links

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Travel insurance

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Annual Multitrip
Multitrip travel insurance

Annual Multitrip insurance allows customers to travel outside India, anywhere in the world, any number of times during the coverage period of 1 year.

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Asia
Asia travel insurance

Indians traveling to other Asian countries have the option of buying very specific Asia travel insurance.

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Pre-exisiting Insurance
Pre-exisiting condition travel insurance

India travel insurance covering pre-existing conditions

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Domestic travel insurance
Domestic travel insurance

Get free quotes and buy Indian Domestic travel insurance plans online.

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family travel insurance
Family travel insurance

Compare and buy indian travel insurance for family travellers online.

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Group travel insurance
Group travel insurance

Group travel insurance is an insurance that will cover a group of people, buy group travel insurance policy online.

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Senior citizen travel insurance
Senior citizen travel insurance

Travelers who are above 70+ can get quotes and compare senior citizens overseas travel insurance plans offered by Indian insurance companies.

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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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