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What is Travel Insurance?

Travel insurance covers medical expenses for illness or accidents suffered by Indians during overseas trips.

Why Travel Insurance?

Medical treatments abroad can be really expensive. In some countries, doctors may refuse to treat in absence of a insurance cover.

How much cover do I need?

Depends on the duration and your age. Longer stay abroad needs higher cover. Higher age would also demand a higher cover.

Documents Required

A copy of your passport may be required

Travel Plan
Travel Type Select Student if you are travelling to pursue academic courses    
Frequency of Travel Annual Multi trip is suited for people who are frequent travelers    
Maximum Duration of each trip Please select maximum duration of trip    
Geographic Area Plans with coverage for specific zones have a lower premium than umbrella policies    
Coverage Required (US $) Sum Insured is the maximum amount that the insurer will provide for in case of a claim    
Travel Start Date     Please select the date you plan to start your journey    
Travel End Date     Please select the date on which you will return back    
Total days Please Enter no. of days of your trip.    
Travellers' Information
Name Please provide your full name, as mentioned in the passport    
Email Soft copy of your policy will be mailed here. Please provide a valid email id.  
Mobile Number Please Provide us a number we can easily contact you    
City of Residence Please select the city where you stay.  
Date Of Birth     Please enter the birth date of the person travelling    

Travel Insurance

Before setting off on a trip, you take painstaking efforts to make sure everything goes exactly the way you plan. Too bad, even circumspect travelers become callous when it comes to buying travel insurance. But buying a travel cover is imperative; it is after all your safety net against unforeseen circumstances and crippling costs following them.

Do not let anything interfere with your perfect itinerary, get comprehensive travel coverage instead.

Types of Travel Insurance Coverage:

There are different types of coverage available, and you can compare travel insurance and choose the one that suits best for your specific needs.

Domestic travel insurance

Domestic travel insurance provides coverage for medical emergencies, permanent disability and death, checked-in lost/stolen baggage, travel delay and personal liability.

International travel insurance

International travel insurance gives a comprehensive coverage for medical expenses overseas, hijack, baggage and travel delays, repatriations/evacuation to India, and loss of travel documents/passport besides the usual coverage.

Corporate travel insurance

Under corporate travel insurance India, employees of an organization can get coverage for both international and domestic trips.

Student travel insurance

There is minimum paperwork involved in student plans. The coverage is comprehensive and provides for expenses incurred on medical treatment, passport loss, and study interruptions.

Senior citizen travel insurance

Senior citizen insurance is for people who belong to the age group 61-70. It includes coverage for dental treatments and cashless hospitalization besides the usual benefits associated with travel insurance.

Family travel insurance

Family travel insurance covers hospitalization, baggage loss, and other incidental expenses. The claim disbursement is easy with minimal paperwork involved.

Individual travel insurance

Through individual insurance, you can get coverage against cancellation of trip, home burglary and trip curtailment.

Key Features of Travel Insurance

Online travel insurance is all about providing travelers an ideal cover against emergency/unforeseen situations right at the comfort of home. There are certain key features which one should look out for while zeroing on a plan.
  • Coverage for in/out patient hospitalization along with daily allowance.
  • Personal accident cover in case of permanent disability/death.
  • Coverage for contingencies related to personal possession.
  • Coverage for loss of baggage and passport.
  • Coverage for expenses related to trip delays.

Benefits of Travel Insurance

The usual qualms of frequent travelers include lost passports, stolen bags, trip delay and cancelled flights. Such mishaps can derail perfectly laid out plans instantly. Do not let inevitable events ruin the entire getaway. Travel insurance is your friend in need when emergencies strike, whether in your native country or in unknown territories. n a foreign land. Get enough compensation to return home or cover untimely expenses as and when they occur!

Exclusions

There are some common exclusions to a travel insurance cover such as:
  • Flights/trains missed due to local protests/civil war.
  • Expenses incurred due to local protests/civil unrest.
  • Pre-existing conditions leading to hospitalization.
  • Baggage delay that is less than 24 hours.
  • Damage/loss of keys.
However, the exclusions differ from plan to plan. It is best to compare travel insurance quotes to bag the plan with minimal exclusions.

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International Travel Insurance | Travel Health Insurance | Travel Insurance Articles