Common Exclusions Of Health Insurance For Tourists

Tourist insurance policy documents highlight conditions which does not cover the insured. In addition, terms of coverage and exceptions are also listed.

Read the policy documents carefully and be clear about the terms and conditions before you finalize the tourist insurance plan you would want to purchase. Go through the exclusions section and make sure that the terms are agreeable to you and would be suitable for your requirements.

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 highlight injury, illness, sickness or disease which exists when the insurance policy is applied for and also any manifestation or symptoms observed a few months or years before the effective date of insurance depending on the tourists insurance policy. This ?looking back? period can vary from 6 months to 3 years.

In case you participate in any professional sports activities or athletic events which involve regular scheduled practices for competition, you would not be able to claim for treating injuries during these events. However, coverage is available for adventure sports like inline skating, bungee jumping, canyoning, rock climbing, high diving, caving, hot air ballooning, rappelling and similar hazardous activities. You need to purchase a visitor health insurance rider along with the policy to avail this benefit.

Tourist medical insurance does not cover any treatment, illness or injuries which arise due to substance abuse or addiction to drug and alcohol. Self-inflicted injuries and dangers arising due to exposure to nuclear radiations and radio active materials are also not covered.

Always carry your tourist 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.