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Travel confidently, knowing that ACKO Travel Health Insurance has your back no matter where you go. Our all-in-one travel insurance protects you from unexpected medical emergencies, lost baggage, and trip delays. With rapid online purchases, no paperwork, and 24/7 global assistance, you can focus on creating memories while we handle the rest. ACKO ensures your journey is safe, secure, and stress-free, whether a quick getaway or a long foreign stay.
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Travel health insurance is also known as international travel medical insurance. It is a policy that covers medical emergencies encountered while travelling abroad. It helps with expenses like hospitalisations, emergency medical evacuations, doctor consultations, and surgeries. This type of insurance differs from comprehensive travel insurance, which offers additional non-medical benefits such as trip cancellation or lost luggage coverage.
You need travel health insurance because your existing health insurance might not cover you internationally, and medical expenses overseas can be very high. It acts as a financial safety net for unexpected medical situations like accidents or illnesses, emergency medical evacuations, and even other travel issues such as flight cancellations or lost luggage.
Key reasons why you need travel health insurance:
Travel health insurance offers temporary coverage for medical emergencies and other travel-related problems like lost luggage or cancelled trips, which may arise when you're away from home. In contrast, standard domestic health insurance provides extensive, long-term coverage for continuous medical care, typically restricted to your home country.
| Feature | Travel Health Insurance | Regular Health Insurance |
| Coverage duration | Short-term, typically for the duration of a trip (e.g., single-trip or annual multi-trip plans). | Long-term, providing continuous coverage that is usually renewed annually. |
| Geographic limits | Travelling abroad or in a specific region. | Home country |
| Coverage scope | Covers risks associated with your trip, such as emergency medical expenses, medical evacuation, trip cancellation, lost luggage, and flight delays. | Comprehensive medical coverage for both ongoing and routine healthcare needs. This includes hospitalisations, doctor consultations, specialist appointments, prescription medications, and preventive care services. |
| Pre-existing conditions | There may be limitations or exclusions regarding pre-existing medical conditions, especially if the illness is not life-threatening. | Typically covers pre-existing conditions after a specified waiting period. |
| Cost | Generally less expensive than a long-term health plan, with premiums based on the duration of your trip, your destination, and your age. | Higher premiums due to more comprehensive coverage. Factors like age, coverage level, and medical history determine the cost. |
| Claim process | Offers cashless treatment and reimbursement claim process. | Offers both cashless and reimbursement claim processes. |
To choose the right travel health insurance for your international trips, it's generally recommended to have both regular and travel health insurance.
Travel health insurance protects you when you travel abroad. It pays for your medical bills if you fall sick or get hurt. It also helps with lost luggage, trip delays, or emergencies. You can travel with peace of mind, knowing you are covered.
| Benefit | Description / Explanation |
| 1. Financial Protection | ACKO covers unexpected medical and travel-related expenses abroad. So you don’t have to pay large sums out of pocket in case of illness, accident, or disruption. |
| 2. Medical Emergency Coverage | ACKO pays for hospitalisation, surgeries, medicines, and doctor consultations if you fall ill or get injured while travelling. |
| 3. Accident & Injury Support | Provides coverage for accidental injuries and, in some cases, compensation for permanent disability or accidental death. |
| 4. Travel Disruption Compensation | ACKO offers reimbursement for trip cancellations, delays, missed connections, or interruptions due to emergencies such as illness or natural disasters. |
| 5. Lost Baggage & Belongings Cover | Compensates for lost, stolen, or delayed baggage, ensuring you can replace essential items during travel. |
| 6. 24×7 Global Assistance | ACKO gives you access to round-the-clock helplines that can help you locate hospitals, arrange emergency transport, or coordinate with local authorities. |
| 7. Evacuation & Repatriation | Covers emergency evacuation to the nearest medical facility and, in worst cases, repatriation of mortal remains to your home country. |
| 8. Passport & Document Loss Support | ACKO helps cover expenses for replacing lost passports or travel documents while you’re abroad. |
| 9. Peace of Mind While Travelling | You can travel stress-free, knowing that you’re protected against unforeseen medical or travel risks in foreign countries. |
Travel Health Insurance covers costs for doctor visits, medicines, and hospital stays. You get support for emergencies, accidents, or sudden illness. It also helps if your passport is lost or your trip is delayed. Your policy limit decides how much you can claim.
If you get sick or injured during travel, this cover helps you. Travel medical insurance pays for hospital bills, doctor care, and medical tests. You can get treatment at approved hospitals abroad. The insurer pays or refunds based on your policy rules.
If an accident causes injury, disability, or death, travel health insurance can help. It provides a fixed amount of support to you or your family. This money can cover treatment or family needs. It offers financial safety during unexpected accidents.
If treatment is not available locally, you will be moved safely. The travel health insurance plan pays to be taken to the nearest suitable hospital. If needed, it covers the cost to bring you back home. It ensures quick help in serious medical emergencies.
If you have sudden tooth pain or dental injury abroad, it helps. Basic dental care and medicines may be covered. Travel health insurance supports you in managing pain or infection. Major dental surgeries are not usually included.
International travel health insurance covers medical care before and after your hospital stay. It may include tests, medicines, and follow-up visits. Only treatments linked to the same illness are paid for. The cover is valid within the policy’s time limits.
You can add extra benefits for more protection. International travel medical insurance may cover pandemic emergencies or long trip delays. Personal liability helps if you harm someone or damage property. Add-ons make your plan more useful for your travel needs.
Some things are not covered under your Travel health insurance policy. These include pre-existing diseases, risky activities, and war. Travel against medical advice or using alcohol or drugs is also excluded. Always read your travel health policy to know what is not covered.
Old or ongoing health problems are usually not covered in travel health insurance. You must share your medical history before buying the plan. Claims from past illnesses may be rejected. Some plans may allow limited coverage if declared in advance.
If your doctor says you should not travel, please listen. If you still travel and get sick, the travel health policy may not help. Insurance only works for safe and approved travel. Always travel when you are fit and healthy.
If you are drunk or use drugs and face an accident, it’s excluded. Travel health insurance will not pay for loss or injury caused this way. Being under the influence affects your claim rights. Stay safe and avoid alcohol or substances while travelling.
Injuries or losses caused by war or riots are not covered. Travel health insurance policy avoids high-risk conflict areas. Check the country’s safety alert before you travel. Your safety and security come first.
Beauty or optional medical treatments are not covered. Insurance is for emergency and necessary care only. Plastic surgery for looks is excluded from the travel health insurance plan. Only accident-related repair treatments may be allowed.
Sports like skydiving or scuba diving are risky. They are not covered unless you buy special add-ons. Basic plans only cover normal travel activities. Always check before joining any adventure sport.
Normal travel health insurance plans include only medical emergencies. Ayurveda, yoga, and homoeopathy are not covered abroad. Seek approved medical care for claims to apply.
Here are a few unique reasons why you must choose ACKO to buy Travel Health Insurance.
Get insured with ACKO instantly without the hassle of medical tests. Enjoy seamless coverage with zero paperwork or delays.
ACKO’s access to round-the-clock assistance and a vast network of healthcare partners worldwide, wherever you travel.
With ACKO's travel health insurance, you can enjoy a smooth, fast, and transparent claim process, allowing you to focus on your recovery rather than the paperwork.
Extend your travel health protection with optional coverage for pre-existing conditions. Your health history shouldn’t stop you from travelling.
ACKO’s travel health insurance plans meet international visa requirements and are backed by globally recognised partners, ensuring worry-free travel.
Buying your ACKO Travel Health Insurance is quick and entirely online. Just follow these easy steps:
Buying ACKO Travel Health Insurance is a paper-free and straightforward process. You only need basic details such as:
When filing a claim during your trip, keep the following documents handy for quick processing:
Making a claim should be the easiest part of your trip. ACKO offers two ways to claim travel health insurance benefits: cashless settlement at network hospitals and reimbursement claims for out-of-pocket expenses. Here’s how each works:
If you’re admitted to a hospital part of ACKO’s network, you can enjoy a completely cashless experience. This means you won’t have to pay upfront for any covered treatments.
1. Find a Network Hospital: Utilise the ACKO app or website to locate a partner hospital nearby. Alternatively, contact our 24-hour helpline at 18338138772 (for the US) or 022-69635374 (for other regions).
2. Policy Verification: Present your ACKO e-card or policy number at the hospital’s insurance desk for verification.
3. Pre-authorisation: The hospital will submit a treatment request to us for approval. Upon approval, your medical treatment can commence without any upfront payment from your side.
4. Document Submission: Upload necessary documents such as your passport, travel ticket, medical reports, and bills through the ACKO app. You can also email them to our support team at [email protected] for verification.
5. Direct Settlement: We will directly settle eligible expenses with the hospital, leaving you responsible only for non-covered services.
If you receive treatment at a non-network hospital or pay medical expenses upfront, you can file for reimbursement after your trip.
When selecting the best travel health insurance, consider the coverage details, your travel destination, any pre-existing medical conditions, the insurer's reputation, and the premium. The most suitable plan will offer a good balance between cost-effectiveness and adequate protection tailored to your individual travel requirements.
1. Coverage: See if the travel health insurance plan includes medical care, accidents, trip delays, and baggage loss.
2. Exclusions: Read the policy carefully to know what is not covered, like risky sports or alcohol use.
3. Hospital Network: Choose a foreign travel health insurance plan with many partner hospitals in different countries.
4. Claim Process: Check how easy it is to file a claim and how fast it gets approved.
5. Claim Ratio: A higher claim ratio means most people received payments for their claims.
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Disclaimer: The plans, services, features, processes, and other details mentioned on this page are subject to availability and changes. Please check the applicable policy wordings before making any insurance-related decisions. Feel free to reach out to us at [email protected] for any queries.
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