​​​Every responsible child would want his or her parents to enjoy their life after retirement, through various activities. It is common for parents to get bored after retirement, as they find themselves with ample time and less work. Thus, in order to keep themselves occupied, many senior citizens get engaged in activities like sports, hobbies and travelling.
 
Speaking of travelling, an overseas vacation is a very enjoyable experience for one and all only till everything is fine and smooth. This is very common for senior citizens because they are high strung to injuries and illnesses. As a result, senior citizens tend to be physically dependent, it would be ideal for them to be insured through overseas medical insurance policies. Also, even if they are on an extended overseas visit and residing with their children or relatives, having a travel insurance​​ policy becomes more important as it helps them bear the cost of medical emergencies if any.
 
Although there are many overseas medical insurance policies that may apply to these situations, the ideal options are usually insurance policies that have been expressly designed for senior citizens. Senior citizens are weaker due to ageing therefore the main purpose of travel insurance plans for them is financial assistance for medical problems. There are many benefits that overseas medical insurance provides to senior citizens.
 
Some benefits mentioned in the policy which might come across as irrelevant or unimportant to a young person, is of great significance for senior citizens. One prime example of this is cashless hospitalization. The reason for this is the fact that the mobility of cash for senior citizens is much lesser than a young person. Hence, it would be illogical to expect an elderly person to run around trying to arrange cash so that he or she can admit him or her self into a hospital.
 
One of the common queries most senior citizens come across while planning for an overseas medical insurance policy is, coverage for their pre existing medical condition. This problem is a genuine one as many insurance policies require the buyer to have a medical check-up. However, if we search enough, we will find some insurance providers who provide overseas medical insurance policies without the requirement of pre medical check-ups. Furthermore, there are even insurance providers who provide protection against pre-existing ailments notwithstanding only in case of a life threatening situation.
 
In addition to these extremely important coverage details, overseas medical insurance also has other benefits such as protection against baggage loss or delay, flight cancellation or delay, passport loss etc. Therefore, it is safe to say that an overseas medical insurance policy which has been particularly designed for the elderly would be the best option for any senior citizen interested in travelling overseas.
 
Article by Nitin Bansal