Aug 14 2010
Older Folks From India Are Demanding Travel Insurance
There are a lot of seniors from India who have come to America within the last few years. Many of these citizens are here in order to visit their children and their grandchildren, and the concerns they have are usually medical because they are older.
Distance is the major problem for these travelers. The flight from India to the United States usually takes anywhere from 17 to 23 hours depending on where in India they are coming from. These folks also endure long waits because International Airports can get severely backed up with people passing through. Just imagine sitting in a coach seat for this long and you have diabetes or hypertension, and with your ankles swelling because you have been sitting for hours. This could aggravate the medical conditions they have. This is where insurance could be very useful. It is good to look for travel health insurance such as senior citizen travel insurance or emergency travel insurance.
Probably the most ideal thing you could do is to get insurance from ICIC Lombard Overseas Travel Insurance since they offer policies for people ages 71 to 85 which isnt typical for other companies. The insurance covers medical as a result of illness or accidents, and it also covers inpatient and outpatient care as well, and in addition it provides medical evacuation insurance from the United States back to India.
From the ages of 71 to 75, the coverage will provide up to $50,000, but ages 76 to 85 go down to $25,000 in coverage. It seems like it is providing less insurance as people grow older, but the risk is greater, so they dont want to cover it.
The insurance also covers pre-existing conditions which is a great thing if you belong to this age bracket. Most seniors are very concerned about this as with age a lot of people are suffering from additional illnesses which makes it tougher to travel.
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