How to protect your health while travelling abroad

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Travel Insurance
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How to protect your health while travelling
abroad? Travelling needs lot of safety in terms
of wealth, goods services and beyond this its
the safety of your health which matters a lot.
Travel insurance offered by insurance companies
is much more than just medical protection. It
covers you when your camera or phone breaks,
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your flight is canceled due to any unexpected
situation, a family member perish due to
unexpected event and you have to come home, lose
a bag, or something is stolen. Its all-purpose
emergency coverage and is the single most
important thing you should get but hope to never
have to use. And, as it only costs a few rupees a
day, youre foolish not to get it.
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Of the various types of travel insurances, travel
insurance has more than proved its worth many,
many times. Its the kind of thing you will be
very thankful for when you need it but hope you
never do. After all, you dont want to end up
like a friend who didnt have insurance when she
was in abroad and struggling to arrange finance
to come up to her home country. Critically ill,
instead of sight seeing she was lying on the
hospital bed in some foreign country and had to
pay hefty amount out of the pocket.
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Travel insurance is one of the most important
part of your journey as it ensures you against
unforeseen events you may encounter when youre
in a trip. A travel insurance policy may or may
not include pre-existing medical conditions and
every policy will vary accordingly depending on
your travel insurance company and the insured
person.
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It will be a tough time for you to get medical
travel cover if you have a high-risk,
pre-existing condition suck as heart disease, or
have been diagnosed with contributing factors
towards disease. If asked, you may need to
disclose information about the major, existing
conditions in your medical history to your
insurer, even if youre not seeking coverage for
pre-existing conditions.
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Before buying a special medical insurance policy
for your trip, you should check with your medical
insurer you might already be covered by your
existing health plan. Some travel insurance
policies may cover you generally, but with
pre-existing conditions excluded. It is not good
because chances are that your existing conditions
may cause you significant problems or leaves you
at risk.
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While some other companies will cover
pre-existing conditions if you buy coverage
within a short time after booking your travel
trip. Therefore, it is better to carry out some
research to find such policies. Else, even if you
have pre-existing condition covered, you may need
to undergo a medical assessment and pay an extra
premium for travel insurance or an extra-cost
options in the travel insurance policy.
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Some pre-existing conditions like terminal
illness, being an organ donation recipient,
having IDS and similar systematic risky
conditions will not be incorporated in your
travel insurance. Such people will always have
risks while travelling as they wont be able to
receive affordable medical treatment for any
condition at all. When medical cover is refused,
typically the other provisions of the travel
cover will still be benefited from.
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For travelers over 60 to 70 years old, buying
travel medical insurance could be expensive.
Compare the cost of a travel medical plan with
comprehensive insurance, which come with good
medical and evacuation coverage that can
otherwise be very expensive. A travel insurance
company can help you sort out the options. It is
the most usable and worthwhile kind of insurance.
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