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Europe (Schengen countries) Travel Health Insurance - Benefits
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Europe (Schengen countries) Travel Health Insurance which covers healthcare expenses in the Austria, Belgium, Denmark, Germany etc. are a necessity. Travels can reduce the financial risk of unforeseen accidents or medical emergency by purchasing Europe (Schengen countries) Travel Health Insurance. Europe (Schengen countries) Travel Health Insurance is ideal for tourists to Europe, and for parents and other family members visiting the Europe. |
Most plans under the Europe (Schengen countries) Travel Health Insurance category offer the following benefits. General descriptions of the various benefits of Europe (Schengen countries) Travel Health Insurance are offered below. Please note each insurance plan may have unique requirements for offering these benefits and you are encouraged to review the individual insurance policy brochures or policy certificate.
Emergency Medical Expenses
Europe (Schengen countries) Travel Health Insurance plan will pay for Hospital, in-patient and out-patient medical expenses incurred due to the treatment of injuries or illness occurring during the trip. Covered expenses include hospital room, intensive care, surgery, diagnostics, X-rays, tests etc.
Dental Expenses
Most Europe (Schengen countries) Travel Health Insurance plans include accidental dental coverage (expenses related to teeth injured in an accident) but very few offer emergency dental coverage (expenses related to sudden tooth ache, infection etc.).
Prescription Drugs
Most plans treat prescription drugs as emergency medical expenses and hence covered.
Emergency Medical Evacuation
If the attending Physician determines that adequate medical treatment is not locally available, the Europe (Schengen countries) Travel Health Insurance plan will pay for evacuation to the nearest adequate medical facility.
Emergency Medical Re-union
When Emergency Medical Evacuation or Repatriation is ordered and the attending Physician recommends that a family member travel with the Insured, the Europe (Schengen countries) Travel Health Insurance program will pay for the costs of a person accompanying the insured.
Accidental Death & Dismemberment (AD&D)
In case the Insured is injured or dies in an accident during the Trip, the Europe (Schengen countries) Travel Health Insurance policy will offer certain pre-determined amounts for loss of life, loss of one limb, loss of two limbs, loss of eyes etc.
Flight Accident or Common Carrier Accidental Death & Dismemberment (CADD)
In case the Insured is injured or dies on a commercial flight during the trip, the Europe (Schengen countries) Travel Health Insurance policy will offer certain pre-determined amounts for loss of life, loss of one limb, loss of two limbs, loss of eyes etc.
Home-country Coverage
During a long USA stay (H1B, H4, J1 workers, F1, F4 students, Green Card holders awaiting citizenship) if you have to make unexpected short incidental trips to your Home Country the Europe (Schengen countries) Travel Health Insurance plan can extend coverage in India as well.
Trip Cancellation
In case the entire trip is cancelled (without a start) the Europe (Schengen countries) Travel Health Insurance plan can pay non-refundable portions of the trip provided the reasons for the cancellation met the Europe (Schengen countries) Travel Health Insurance policy are valid as defined by the Europe (Schengen countries) Travel Health Insurance policy (these typically include death, serious illness in the immediate family, travel company bankruptcy, termination from employment, inclement weather, etc.).
Trip Interruption
In case the trip that is already in progress is interrupted because of valid reasons as defined by the Europe (Schengen countries) Travel Health Insurance policy (these typically include death, serious illness in the immediate family, travel company bankruptcy, termination from employment, inclement weather, etc.) the Europe (Schengen countries) Travel Health Insurance plan can pay for forfeited, non-refundable portions of the trip as well as additional expenses to return to the come country.
Europe (Schengen countries) Travel Health Insurance Tools
• Europe (Schengen countries) Travel Health Insurance - Read FAQs
• Europe (Schengen countries) Travel Health Insurance - a comparison with other Policies
• Europe (Schengen countries) Travel Health Insurance - Glossary
• Europe (Schengen countries) Travel Health Insurance - Customer Feedback
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