Tourist insurance policy documents highlight conditions which does not cover the insured. In addition, terms of coverage and exceptions are also listed.
Hence, before finalizing on any tourist medical insurance plan, read the policy document and terms and conditions very carefully to see whether the coverage terms are suitable for your requirements. In addition, make sure that exclusions do not contain those conditions that may not be appropriate in your case.
Tourist Insurance Exclusions is divided into a couple of sections and highlight specific events for which you would not be reimbursed the expenses. For example, terrorist attacks, war, military action, nuclear exposure and epidemics are not covered under the tourist insurance plan. In case the travel agency goes bankrupt or the insured incurs any loss due to fraudulent, dishonest or irresponsible deeds, the claims would not be paid by the insurance provider.
Medical exclusions explain pre-existing conditions and medical consultation, treatment or surgery expenses that would not be covered for the insured in case they are undertaken without the consent of the insurance company. Medical costs incurred in the home country are also not covered under visitor health insurance policies. Other conditions which are excluded from coverage include immunizations, routine physical examinations, transplantation procedures and also nervous or mental disorders. In addition, charges would not be reimbursed for child birth, abortion, pregnancy, sterilization or reversal, birth control and impotency or infertility.
Pre-existing conditions refer to any ailment, illness, injury, disease or sickness which existed while applying for the insurance or anytime for before a few years before the effective date for the insurance. This time period that the policies look back at, varies with the tourists insurance policy, and ranges from 6 months to 3 years.
Tourist insurance exclusions also state that you would not be covered for any injuries which arise during any professional sports or athletic events involving regular practice routines for a competition or games. However, coverage is available in case you participate in hazardous activities like bungee jumping, high diving, hot air ballooning, rappelling, canyoning, inline skating, caving and rock climbing. For this, the insured need to purchase a visitor health insurance rider along with the tourist insurance policy plan.
Expenses for injuries, illness or treatment arising from alcohol, drug addiction or substance abuse are not covered by tourist medical insurance. In addition, you cannot claim repayment for any injury or illness which is self-inflicted. Treatment expenses for illnesses which arise due to exposure to the dangers of nuclear radiation or any radioactive materials are not reimbursed
It is advisable to carry the tourist insurance policy details and also the helpline assistance numbers during your trip. This would be of great use in case you would want to seek any help in a foreign land.
