Travel insurance may not cover all costs despite high cover
In short
Travel insurance can still leave gaps even when the cover looks high. The summaries say insurers may cap room rent, ICU bills, surgery, doctor visits, tests, and ambulance costs.
This matters because people may think they are fully covered when they are not. The report says to check the fine print and age limits, especially for older travellers, but it does not name specific insurers.
What the reporting says
Travel insurance policies may have sub-limits on hospital room rent, ICU charges, surgery, doctor consultations, diagnostic tests, and ambulance services, according to publisher summaries. Business Standard also said buyers should check benefits and age-based limits, especially for senior travellers. The immediate implication is that a large sum insured may still leave policyholders with uncovered expenses, but exact exclusions vary by policy and are not stated here.
Why it matters
Publisher summaries say travel insurance can include separate caps on room rent, ICU, surgery, consultations, diagnostic tests, and ambulances. Business Standard also highlighted age-based limits for senior travellers. The point for consumers is that a high sum insured may not fully protect against medical bills. The reporting does not name specific insurers or policy terms.