As of early 2026, obtaining a cash refund for medical reasons has become easier due to updated consumer protection laws, particularly in markets like India (via DGCA) and the United States (via DOT). Most airlines now specify that if a passenger or a family member on the same booking is hospitalized during the travel period, the airline must offer either a full refund or a "Credit Shell" (travel voucher) with an extended validity of at least two years. To claim this, you generally must provide a "Fitness to Travel" certificate or official hospital discharge papers. However, "Basic Economy" or "Non-Refundable" tickets still have the strictest hurdles; if the illness is not severe enough for hospitalization (e.g., a bad cold), the airline may only offer to change your dates for a fee rather than refund the money. For the best protection in 2026, many travelers rely on Travel Insurance or the built-in insurance of premium credit cards, which cover "trip cancellation for covered medical reasons" and provide a cash refund regardless of the airline's internal "no-refund" policy on cheap tickets.