Medical Emergency: If you fall ill in flight, who pays for the treatment? Airlines, insurance company or yourself?

• What happens if a medical emergency occurs?
• Health insurance can help
• Purchased travel insurance is useful in such situations

Flight Medical Emergencies: Nowadays, air travel has become much easier than ever before. People travel by air for work, leisure or some other urgent reason; But, have you ever thought about what would happen if you suddenly fell ill and a medical emergency occurred during your trip?”text-align: justify;”> West Bengal Election Results: BJP or Trinamool Congress, whose victory in Bengal will lead to a bullish wave in the share market?

The answer to this question depends on your specific insurance policy and the circumstances at the time. Generally, airlines do not cover the entire cost of hospital treatment; But if you have health insurance, your insurance company is likely to cover the expenses related to hospitalization.

Health insurance can help

If you are traveling to India, your general health insurance policy will come in handy. Moreover, if the hospital is part of your insurance company’s network, you may be eligible for cashless treatment. In case of non-network hospital, you have to pay upfront and then you can get reimbursement through claims. Travel insurance is also required

Purchased travel insurance is useful in such situations

They usually include the following expenses: hospital expenses, drug expenses, medical evacuation expenses, this is especially useful for international travel.

What are the responsibilities of the airline?

In such cases, the liability of the airline is limited and is mainly limited to assistance during the flight.

What the airline does:

She provides first aid. Assists with emergency landing if necessary. She also helps arrange an ambulance or call a medical team. But please note that the airline does not bear the cost of hospital treatment. Medical expenses have to be borne by the passenger or their insurance company.

When can an airline incur costs?

In certain circumstances, a passenger can claim compensation from the airline for example:
If their health deteriorates after consuming airline-supplied food.
In case of negligence of airline staff.
If safety regulations are not followed.

Also consider credit card insurance

Many premium credit cards offer travel insurance benefits.
This is applicable when the ticket is booked with the same specific card.
This usually includes medical expenses.

Necessary precautions to be taken before travelling

It may be beneficial to make some essential preparations before your trip, such as:
Keep the emergency contact details from your insurance policy with you.
If you have any pre-existing medical condition, get a Fit to Fly certificate from your doctor.
Make sure your travel insurance covers you.

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