Insurance for tourist policies detail out exclusion terms which list the treatments that the insured is not covered for. You may consult your policy document to gather information about exclusion, coverage terms and other exceptional conditions.
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.
Exclusions are generally divided into various sections which highlight different events and the specific conditions that the tourist medical insurance policy does not cover. For example, some of the general exclusions highlighted in any plan include events such as political resurrection, epidemics and pandemics, military action, war, terrorist attacks, nuclear accidents, and any similar activities. Others relate to any illegal or dishonest deeds, bankruptcy of the travel agency and losses arising due to irresponsibility of the insured.
Medical exclusions normally detail out pre-existing conditions, any medical treatment undertaken without the consent of the tourist medical insurance company and also hospital expenses incurred in your home country. The travel health insurance plans do not cover the cost of routine physical examinations, immunizations, nervous or mental disorders or transplantation procedures. You cannot claim reimbursement for pregnancy, abortion, child birth, birth control, sterilization or reversal and also 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 tourist medical insurance. This time period that the policies look back at, varies with the tourist medical insurance policy, and ranges from 6 months to 3 years.
Injuries sustained due to participation in professional sports or athletic activities involving scheduled practices regularly for competition or games are not covered. However, coverage for adventurous sports like high diving, caving, bungee jumping, rappelling, rock climbing, inline skating, canyoning, hot air ballooning and other hazardous activities can be availed of by purchasing a visitor health insurance rider along with the tourist insurance policy.
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 covered.
Always carry your tourist medical insurance policy document and the helpline numbers while you travel on a holiday. In case of clarifications, you can contact your insurance company or call up the round the clock helpline assistance.
