What type of insurance policy would cover income loss for someone unable to work due to illness after traveling overseas?

Disability income insurance is designed to provide financial support to individuals who are unable to work due to illness or injury. This type of policy pays a portion of the insured person's income when they cannot perform their job duties, which can be particularly beneficial for those who may face unexpected health issues, even after traveling abroad. If someone falls ill overseas and is unable to continue working, disability income insurance would step in to cover their lost wages during their recovery period.

While health insurance is essential for covering medical expenses, it does not directly compensate for lost income. Travel insurance primarily provides coverage for trip cancellations, lost baggage, and other travel-related incidents but does not focus on income replacement. Life insurance offers a payout to beneficiaries upon the insured's death, which does not apply to scenarios involving temporary inability to work. Thus, the focus on compensating for lost income due to a work-related inability reinforces why disability income insurance is the most appropriate choice in this situation.