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International Medical insurance policies are designed to provide health care while out of your home country. They may also provide additional benefits including , emergency evacuation and repatriation, accidental death and limited trip interruption. Premiums are based upon age, length of coverage, maximum benefits and deductibles selected.

 

Travel Insurance

A travel insurance is an insurance that is intended to cover financial and other losses incurred while travelling, be in within one's country, or internationally. Travel insurances can usually be arranged at the time of booking of a trip to cover exactly the duration of that trip or a more extensive, continuous insurance can be purchased from (most often) insurance companies or banks, which covers all travelling during the period for which the insurance was obtained.

 

The most common risks that are covered by travel insurances are :

 

• Cancellation
• Curtailment
• Delayed departure
• Loss, theft or damage to personal possessions and money (including travel documents)
• Delayed baggage (and emergency replacement of essential items)
• Medical expenses
• Emergency evacuation/repatriation
• Overseas funeral expenses
• Accidental death, injury or disablement benefit
• Legal assistance
• Some travel policies will also provide cover for additional costs, although these vary widely between providers

And in addition, often separate insurances can be purchased for specific costs such as :

 

• •high risk sports (e.g. skiing, scuba-diving)
• •travel to high risk countries (e.g. due to war or natural disasters)