Travel medical insurance

When travelling abroad, it's important to plan for everything from hotel stays to sightseeing to ensure a smooth and enjoyable trip. However, the unexpected can still happen. That's why it's important to secure a travel medical insurance policy, like ACKO Travel Medical Insurance, to provide you with peace of mind and ensure that any medical expenses incurred during your travels are taken care of. In this page, we have highlighted the importance of medical travel insurance in detail, so make sure to go through it before embarking on your next international trip.

Travel medical insurance is a form of insurance that provides coverage for medical expenses incurred during overseas trips. This type of insurance generally includes emergency medical treatment, hospitalisation, and return travel. It is important for travellers to have this coverage as medical care in foreign countries can be prohibitively expensive. 

Additionally, travel medical insurance also provides coverage for financial losses related to travel mishaps such as flight cancellations, luggage delays or losses, and issues with hotel bookings. Other terms used to describe travel medical insurance include travel health insurance, international travel insurance, and simply, travel insurance.

Here are the main differences between regular health insurance and travel medical insurance.

Here is a table that lists some of the features of our travel medical insurance.

Here are some of the benefits you will receive if you are covered under an ACKO Travel Medical Insurance.

1. Coverage for medical emergencies

When you are on a vacation or business trip in a foreign country, the last thing you would want is to face a medical emergency. Apart from the physical discomfort, such situations can also be financially stressful because of the high medical costs abroad. In such instances, ACKO Travel Medical Insurance can take up the costs associated with receiving medical care. So, instead of worrying about affordability, you can focus completely on getting better.

2. Financial compensation for luggage/flight delays

If your flight or baggage is delayed at the airport, it can cause a negative domino effect on the rest of your travel plans. For instance, the other bookings that you have made on the same day may get affected because of the delay. Most places don’t offer reimbursements. So, you may end up losing your hard-earned money. Fortunately, our travel medical insurance offers monetary compensation in such scenarios.

3. Financial protection for your home when you’re out of station

When you are travelling out of the country, it is possible that thieves may take advantage of your absence and try to rob your house. Fortunately, if you are covered under our travel medical policy, we will financially protect you from any loss you may incur due to such a break-in. We also cover damages to your house caused by an accidental fire while you are away.

4. Budget-friendly policies

Hesitant to buy a travel medical insurance because you assume that it may pinch your pocket? Well, we are here to dispel your fears. ACKO travel policies start as low as around Rs.49 for a five-day long travel. If you do the math, you will figure that this amounts to approximately just Rs. 10 per travel day.

5. Peaceful out of country travels

When going on a trip, it is paramount that you enjoy yourself. Fearing the possibility of things going wrong can be a mood-killer and ruin your travel experience. However, if you are insured by us, you can visit places, engage in fun activities and forge new friendships, all while knowing that you are financially protected if things go wrong.

We believe that buying travel medical insurance should be a quick and easy process. That’s why our transaction flow only has a few steps.

Step 1: First, go to the ACKO website/app and select "Travel".

Step 2: Select the countries you are planning to visit on your trip.

Step 3: Select the start and end dates of your travel.

Step 4: If you are travelling as a group, add the details of the other members travelling with you.

Step 5: Select the specific coverages you need and generate a policy premium quote.

Step 6: Complete the online payment and receive the policy document instantly via email.

You can raise a cashless or reimbursement claim with us by following the below simple steps.

Step 1: Dial 8061617799 and give us a missed call or email us at [email protected].

Step 2: Initiate the claim process by sending us the necessary supporting documentation.

Step 3: There is nothing left to do from your end. We will process your request as per the policy terms and credit the relevant compensation.

You will most likely receive the monetary compensation within three to four working days. However, this duration could be longer based on the complexity of the claim request.

You may require some of the following documents while raising a claim with us. However, please refer to the policy wordings to learn the exact documents you need to produce for a specific claim.

COVID-19 is still a pressing issue around the world, with new variants emerging and countries grappling with the challenges of vaccination and prevention. As international travel begins to pick up again, it's important to ensure that you have adequate insurance coverage to protect yourself against any unforeseen medical expenses or travel disruptions caused by COVID-19. 

That's where ACKO Travel Medical Insurance comes in. If you contract COVID-19 while travelling and require hospitalisation, ACKO will cover the costs associated with your treatment, including hospitalisation charges, diagnostic tests, and doctor consultations. This can provide peace of mind for travellers who are concerned about the high costs of medical care in foreign countries.

In addition to hospitalisation coverage, ACKO Travel Medical Insurance goes the extra mile to provide coverage for travel delays caused by COVID-19-related quarantine. If you are required to quarantine due to exposure to the virus and your flight is cancelled, ACKO will reimburse the cost of your cancelled flight. This means that you'll be able to protect your travel investment and use the same for a future travel once you have recovered from the disease.

This is a crucial benefit for travellers who may face unexpected quarantine requirements due to COVID-19 exposure. Without insurance coverage, cancelled flights and other travel disruptions can result in significant financial losses. With ACKO, you can have peace of mind knowing that your travel investment is protected, and you can rebook your trip once you're able to travel again.

It is crucial to compare and purchase travel medical insurance to ensure that you obtain the best policy that suits your requirements. Although various insurance providers may provide similar coverage, the cost of the coverage may vary significantly. Moreover, the features and services offered by each policy may also differ from one another. Therefore, by comparing different policies, you can potentially save a substantial amount of money while obtaining the best possible coverage for your needs.

Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes. It is based on several secondary sources on the internet and is subject to changes. Please consult an expert before making any related decisions.