Travel policy: Tailor sum insured to destination country's healthcare costs

Don't accept any cover that comes with your travel package; understand coverage, exclusions and sub-limits, then buy

With the festival season approaching, many Indians are preparing for international vacations. While they are likely to expend significant time and effort on crafting the perfect itinerary, and selecting ideal destinations, flights, and accommodations, travellers often overlook the importance of carefully choosing a travel insurance policy. Instead, they may unthinkingly accept whatever plan their travel agent includes with their package. This lack of scrutiny could prove costly if any mishap occurs while they are abroad.

Key parameters to check

Sum insured: The sum insured must be adequate. “If you are travelling abroad, especially to a country with higher healthcare costs,