In the recent years, there has been a considerable change in the behavior of Indian travelers with a significant majority securing their travel with medical insurance for international journeys. This shift underscores a growing sense of awareness of potential health crisis which can arise abroad and the financial circumstances it can lead to. The COVID-19 pandemic significantly contributed to this awareness, but the rise continues even in 2025 due to increased incidents of trip disruptions, health scares, and visa-related delays.

Medical emergencies abroad can be financially devastating. Treatment for something as basic as a broken limb in countries like the U.S. or Canada could cost lakhs of rupees. Travel insurance offers peace of mind by covering:

• Hospitalization and medical expenses

• Emergency evacuation

• Repatriation to India

• Dental emergencies

• Accidental injuries

1. 83% Increase Rate: A substantial 83% of Indian travelers are now opting for medical insurance when traveling overseas, indicating a proactive approach to health and safety.

2. Comprehensive Coverage: Modern travel insurance policies offer extensive coverage, including emergency medical expenses, hospitalization, medical evacuation, and repatriation, ensuring travelers are well-protected.

3. Increased Awareness: The rise in insurance adoption is attributed to heightened awareness about the potential health risks associated with international travel and the high cost of medical care in foreign countries.

4. Customized Plans: Insurance providers are offering tailored plans to meet the diverse needs of travelers, including options for students, senior citizens, and frequent business travelers.

5. Digital Accessibility: The ease of purchasing insurance online has contributed to the increased uptake, allowing travelers to compare plans and select the most suitable coverage conveniently. Moreover, insurance companies and fintech startups are increasingly promoting awareness campaigns, especially on social media, which is influencing Gen Z and millennials who are the fastest-growing segment of international travelers.

This growing trend of securing medical insurance reflects a more informed and responsible picture. The focus is no longer just on itineraries and Instagrammable moments-health, safety, and financial security are now central to planning any trip. By investing in comprehensive insurance plans, Indian travelers are not only safeguarding their health but also ensuring financial protection against unforeseen medical expenses, thereby enhancing their overall travel experience.

(Input from various sources)

(Rehash/Sakshi Thakar/MSM)