Op­tions Are Lim­ited

Consumer Voice - - Overseas Travel Insurance Plans -

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In gen­eral, one can ex­pect that no claims will be en­ter­tained on the fol­low­ing (il­lus­tra­tive, not ex­haus­tive): • Pre-ex­ist­ing/ill­ness/dis­ease/in­jury/con­di­tion • Trav­el­ling against doc­tor’s ad­vice • Self-in­flicted in­jury, at­tempted sui­cide • Tak­ing part in naval, mil­i­tary or air force

op­er­a­tions • HIV/HIV-re­lated ill­ness in­clud­ing AIDS • Preg­nancy/Child­birth • Sex­ual mis­con­duct/com­mu­ni­ca­ble dis­ease • Travel to re­stricted coun­tries as

gov­ern­ment pol­icy (travel ad­vi­sory) • Trav­el­ling for med­i­cal treat­ment ad­mis­sion • In­dulging in in­tox­i­cat­ing drugs/al­co­hol • Travel with crim­i­nal in­tent • Bank­ruptcy/Liq­ui­da­tion • Ad­ven­ture sports like moun­taineer­ing, bungee

jump­ing and deep-sea div­ing per

After a thor­ough search of var­i­ous in­surance com­pa­nies’ web­sites, we could only short-list six that of­fered this kind of pol­icy for se­nior cit­i­zens above the age of 70. Clearly, these com­pa­nies find it risky to ex­tend in­surance cov­er­age to them in view of the av­er­age age and health pro­file. In fact, no pub­lic sec­tor in­surance com­pany of­fers this pol­icy to this age group. Those who have la­belled their pol­icy as over­seas in­surance ac­tu­ally of­fer only health in­surance cov­er­age/ben­e­fits. Check which age bracket you fall un­der for cer­tain plans as age is a sig­nif­i­cant fac­tor in de­ter­min­ing pre­mi­ums.

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