Question 1

What exactly is international travel insurance and why do I need it?

Accepted Answer

International travel insurance is a specialized health coverage policy that protects Bangladeshi nationals and resident foreigners against unexpected medical expenses and emergencies while traveling abroad. This insurance becomes essential because medical treatment costs in foreign countries can be extremely high, and your regular health insurance may not provide coverage outside Bangladesh. The policy ensures you receive necessary medical care without facing financial hardship during your trip.

Question 2

Who can purchase this travel insurance policy?

Accepted Answer

This insurance is available to Bangladeshi nationals as well as resident foreigners living in Bangladesh who plan to travel internationally for business and holiday. The coverage is typically available for travelers aged from 6 months to 85 years. You must purchase the policy before departing from Bangladesh, as it cannot be obtained once you've already started your journey.

Question 3

Which countries require travel insurance for entry or visa applications?

Accepted Answer

Many countries require travel insurance either to enter or to apply for a visa. All Schengen countries mandate travel insurance with a minimum coverage of €30,000 for visa applications. Besides Schengen, countries such as Cuba, Ecuador, Oman, Qatar, Indonesia, Russia, Saudi Arabia, United Arab Emirates, and Turkey also require travelers to have valid travel insurance for entry. Additionally, countries like Nepal, Egypt, the Philippines, Vietnam, Japan, the United Kingdom, the United States, Australia, and Canada do not require travel insurance for entry but highly recommend it due to high medical costs abroad.

Question 4

What medical expenses are covered under this policy?

Accepted Answer

This travel insurance policy covers medical expenses reasonably and necessarily incurred outside Bangladesh due to bodily injury, sickness, disease, or death during the insured trip. Covered expenses include physician services, hospital and medical treatment, and local emergency medical transportation. Dental care is covered up to $500 per occurrence for immediate pain relief, with full accident-related dental treatment covered under the overall policy limit. It also covers medically approved emergency evacuation to the nearest suitable hospital or back to Bangladesh, and repatriation of remains in case of death. If continued treatment in Bangladesh is recommended, the policy covers medical costs there within 90 days of the initial illness or injury.

Question 5

Does the insurance cover medical evacuation and repatriation?

Accepted Answer

Yes, the policy includes comprehensive evacuation coverage. Medical evacuation covers transportation to the nearest suitable hospital when you're critically ill or injured and adequate local care isn't available. The policy also covers medical repatriation back to Bangladesh when deemed medically advisable by program medical advisors and attending physicians. In case of death abroad, expenses for preparing and transporting remains back to Bangladesh are covered.

Question 6

What are the coverage limits for different destinations?

Accepted Answer

Coverage limits vary based on your destination. For Schengen countries, coverage is typically €30,000 with no deductibles. For non-Schengen countries (excluding USA/Canada), coverage is usually US $50,000 with a US $100 deductible per accident or illness. If your trip includes USA or Canada, coverage increases to US $100,000 with a US $100 deductible per accident or illness. Dental care is covered up to $500 per occurrence for immediate pain relief, with full accident-related dental treatment covered under the overall policy limit. These limits represent the maximum amount payable for all medical expenses during your entire trip.

Question 7

What medical conditions are not covered by the policy?

Accepted Answer

The policy excludes coverage for pre-existing medical conditions that were known or treated within one year before the policy's effective date. You cannot claim for treatment that could reasonably be delayed until your return to Bangladesh. The policy doesn't cover routine physical examinations, cosmetic surgery (unless resulting from a covered accident), or medical treatment obtained within Bangladesh. Pregnancy, childbirth, miscarriage, or abortion are also not covered.

Question 8

Are there other situations where claims won't be paid?

Accepted Answer

Several exclusions apply to ensure policy integrity. Claims aren't paid for expenses arising from suicide attempts, self-inflicted injuries, venereal diseases, or substance abuse. Military operations, war, invasion, or civil war incidents are excluded. Claims arising from participation in hazardous or professional sports will not be paid. AIDS, AIDS-related complex, Ebola or Zika, and nuclear-related incidents are also excluded from coverage .

Question 9

What activities or behaviors void the coverage?

Accepted Answer

Coverage becomes void if you travel against medical advice or while on a waiting list for specified medical treatment. Traveling specifically to obtain medical treatment invalidates the policy. Activities involving alcohol or drug abuse automatically void coverage. Additionally, if you have received a terminal medical prognosis, the policy won't provide coverage.

Question 10

What is the maximum duration for which I can purchase coverage?

Accepted Answer

Travel insurance policies typically cover trips up to 180 days, though this varies by age and destination. The policy automatically extends for 45 days if you're receiving treatment for a covered illness or accident and are medically unable to return home when your policy expires.

Question 11

Can I extend or renew my policy while traveling?

Accepted Answer

Policy extensions are possible under specific circumstances. Automatic extension occurs for up to seven days without extra charges if delayed by public transport services beyond your control. For medical reasons, the policy extends automatically for 45 days if you're receiving treatment and unable to return home. For other extensions, you must contact your insurance provider before the current policy expires, and additional premiums may apply.

Question 12

How do I file a claim if I need medical treatment abroad?

Accepted Answer

Contact the third party administrator or Claims Handler immediately when you encounter a serious injury or injury emergency. You'll need to notify the 24-hour assistance service and provide your policy number and incident details. Gather all relevant documentation including medical records, receipts, treatment details, and any police reports if applicable. Submit your claim with supporting documents within the specified timeframe. A cashless hospital treatment can be enjoyed depedning on the availability of a network hosital at your travel destination.

Question 13

What documents do I need to support my insurance claim?

Accepted Answer

Essential documents include your policy certificate, passport, visa, flight details, and medical records from treating physicians. For medical claims, you need detailed bills, treatment records, diagnostic reports, and prescription receipts. If the incident involves theft or loss, police reports and witness statements are required. Keep copies of all documents and maintain organized records throughout your treatment.

Question 14

How can I access emergency assistance while abroad?

Accepted Answer

Your policy document includes 24-hour global assistance services accessible through dedicated helplines. Emergency contacts include Third Party Administrator and Claims Handler with specific phone numbers for different regions. These services provide emergency assistance, advice, medical evacuation and transporation support. The assistance company serves as your central communication point during emergencies.

Question 15

How is the premium calculated for travel insurance?

Accepted Answer

Premium calculation depends on multiple factors including your age, trip duration, and destination. Older travelers typically pay higher premiums due to increased health risks. Trips to regions with higher medical costs or greater risks result in higher premiums.

Question 16

When do I need to pay the premium?

Accepted Answer

You must pay the premium before your departure date and policy commencement. Payment is required during the application process, and your policy becomes effective only after premium payment confirmation. Any alterations to your policy should be made before the policy commencement date. Ensure payment processing allows sufficient time before your travel date to receive policy documentation.

Question 17

Are there different premium rates for different age groups?

Accepted Answer

Yes, premium rates vary significantly based on the traveler's age. Insurance companies assess higher risks for older travelers, resulting in increased premiums. Age limits typically range from 6 months to 85 years, with some providers offering senior citizen plans with enhanced coverage for age-related medical conditions. Young travelers generally receive more favorable premium rates due to lower statistical health risks.

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Emergency Dental

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Frequently Asked Questions

What exactly is international travel insurance and why do I need it?

Who can purchase this travel insurance policy?

Which countries require travel insurance for entry or visa applications?

What medical expenses are covered under this policy?

Does the insurance cover medical evacuation and repatriation?

What are the coverage limits for different destinations?

Stay updated with Chhaya

Travel Freely. We'll Handle the Unexpected.

What Your Plan Covers

Medical Expenses

Emergency Evacuation

Repatriation

Emergency Dental

Get Insured in 4 Simple Steps

Enter Details

Compare Plans

Instant Payment

Travel Safe

Frequently Asked Questions

What exactly is international travel insurance and why do I need it?

Who can purchase this travel insurance policy?

Which countries require travel insurance for entry or visa applications?

What medical expenses are covered under this policy?

Does the insurance cover medical evacuation and repatriation?

What are the coverage limits for different destinations?

Stay updated with Chhaya