Tourist insurance policies detail out exclusion terms which list the conditions 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, it is important to carefully read the policy document and scrutinize the terms and conditions extensively before finalizing the medical insurance for tourists plan that you want to buy. Ensure that the exclusions do not contain terms that may be highly inappropriate to your needs.
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 deals with any injury, disease, illness or sickness which exist at the time of application of the insurance policy or show any symptoms of manifestation for a few years before the date on which insurance becomes effective. The time period for which the policies look back depends on the medical insurance for tourists policy you choose and may ranges anywhere between 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 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 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.
