Options Are Limited
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.