Holiday Insurance with Medical Conditions – A Boon for the Travelers having Medical Conditions

Holiday insurance is an insurance taken for a holiday trip within the country or outside. The insurance generally covers the medical expenses during the travel, sickness, trip cancellation charges, baggage loss, damaged baggage, accidental death, loss of passport, flight accident, trip interruption, delay due to bad weather and pre existing medical conditions etc. Holiday insurance is taken to avoid any untoward emergency while travelling or while outside one’s home country.
Holiday insurance provides a financial cover and protects one from all kinds of dangers and makes sure that he/she doesn’t get stranded in an emergency situation in a distant land while on a holiday. It is a must for frequent flyers or one’s opting to go on a holiday. Be it traveling for leisure or for business, holiday insurance is an important aspect to be taken care and given utmost importance. For people, who are travelling with a medical condition, holiday insurance comes in handy.

Holiday insurance with medical conditions includes respiratory infections like asthma, lung infections; heart ailments, kidney, liver related problems; stroke or any nervous disorder; terminal conditions; cancerous conditions; psychological conditions etc. Pre existing medical policy covers the medical expenses incurred if one falls sick or gets injured abroad, stolen or damaged baggage, passports, personal possessions, money lost or stolen, accidental death while on a holiday, accidents, repatriation, trip cancellation etc. Getting the right insurance at affordable premium for a pre existing medical conditions is quite a challenge. There are many insurance companies and one has to choose the right holiday insurance with the apt policy which can be of use at the time of holidaying and while making a claim.

 One can do a survey on the various insurance companies which offer the holiday insurance with medical conditions. One can compare the quotes for the policies, get to know the terms and conditions involved, know the inclusions and coverage in the policy between two or more companies and then decide upon the right insurer. One has to check the eligibility criteria for a pre existing medical conditions, review the exclusions in a holiday insurance policy, review alternate options not involved in the policy directly and have one on one discussion with the insurer to clarify points, policies and be truthful in mentioning one’s medical condition clearly. Undeclared medical condition doesn’t have cover and the medical bills might be very expensive. And it is important to get all the declarations in writing. The premiums paid for holiday insurance with medical conditions are higher as compared to other policies in the insurance and it is charged on slab basis. One has to select the slab into which one fits in. The premiums are charged based on many factors like the age; medical condition – when was it diagnosed, treatment undergone, medications involved; duration of the travel, the country being visited etc. The holiday insurance company can be chosen based on its reputation in the respective field, the policies covered for various insurance, client feedback and experience in the field. Holiday insurance can be bought online, over phone or in person from It's So Easy Travel Insurance Limited. Holiday insurance is mandatory for everyone going for a vacation abroad and let illness not come in the way of fun and adventure. It is of course a boon for the ill people!