National Insurance Travel Insurance
National Travel Insurance is a well-known travel insurance provider in India. It is the travel subsidiary of National Insurance Company Limited, which is one of the oldest insurance providers in India.
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- Accidental & sickness expenses
- Baggage Delay / Loss
- Trip Delay / Cancellation
- Passport Loss
- Emergency Medical Evacuation
- Missed flights
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The company offers overseas insurance policy to people travelling abroad for different purposes including vacations, business and studies.
Travel insurance policies by National Insurance protect the insured travellers from any unforeseen travel or medical emergencies that may interrupt their trip and create financial distress. They cover the insured travellers for a wide range of risks including medical illness treatment, loss of check-in baggage, loss of passport, delay in check-in baggage arrival, dental emergency treatment, personal liability and personal accident.
Apart from medical expenses and baggage insurance, National Travel Insurance also provides contingency insurance and medical emergency reunion cover to the insured students.
In fact, the National Insurance also allows the travellers to customize their coverage as per their travel destination such as worldwide coverage excluding USA/ Canada, worldwide coverage including USA/ Canada and Asian countries excluding Japan. People travelling to the United States of America can refer Travel Insurance USA at the time of planning their trip.
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Why Choose National Travel Insurance?
Every international trip involves a lot of excitement. However, your excitement can easily go south if you face a crisis during your trip. It will not only interrupt your trip but will also lead to major financial losses. You can avoid such a situation if you buy travel insurance online India plans from a top travel insurer such as National Travel Insurance. Take a look at some of the reasons why you should consider National Insurance to buy the best travel insurance policy for your trip:
- Multiple sum insured options available, up to a maximum of USD 5,00,000
- Custom travel plans available as per the destination country including worldwide excluding USA/ Canada, worldwide including USA/ Canada and Asia excluding Japan
- Cashless claim services available to the insured traveller
- Claim assistance offered through an International Service Provider
Types of National Travel Insurance Plans
Broadly, National Travel Insurance offers two types of travel insurance plans in India. They are – Overseas Mediclaim Business & Holiday and Overseas Mediclaim Employment and Studies.
Overseas Mediclaim Business and Holiday
The Overseas Mediclaim Business and Holiday is a comprehensive policy designed for people travelling outside India for vacationing or to fulfil their business commitments. It provides coverage against a wide range of medical, non-medical and travel-related threats such as medical illness, emergency dental treatment, loss of passport, personal liability, loss or delay of check-in baggage, etc.
This overseas insurance policy allows the traveller to customize their coverage as per travel destination amongst worldwide including USA/ Canada, worldwide excluding USA/ Canada and Asia excluding Japan. It also provides the traveller with the freedom to choose amongst multiple sum insured options, ranging from USD 50,000 to USD 5,00,000. Moreover, people travelling to Canada as tourists can refer Travel Insurance Canada guide to plan their trip.
Refer to the table given below to know the extent of coverage available under Overseas Mediclaim Business and Holiday policy:
|
Coverage (IN USD) |
Worldwide Excluding USA/ Canada |
Worldwide Including USA/ Canada |
||
|
Plan A1 |
Plan A2 |
Plan B1 |
Plan B2 |
|
|
Medical Illness |
50,000 |
2,50,000 |
1,00,000 |
5,00,000 |
|
Medical Evacuation |
||||
|
Repatriation of Mortal Remains |
||||
|
Dental Emergency Services |
Up to 225 per visit |
Up to 225 per visit |
Up to 225 per visit |
Up to 225 per visit |
|
Personal Accident & Permanent Disability |
10,000 |
25,000 |
25,000 |
25,000 |
|
Loss of Check-in Baggage |
1,000 |
1,000 |
1,000 |
1,000 |
|
Delay of Check-in Baggage |
100 |
100 |
100 |
100 |
|
Loss of Passport |
150 |
250 |
250 |
250 |
|
Personal Liability |
2,00,000 |
2,00,000 |
2,00,000 |
2,00,000 |
Overseas Mediclaim Employment and Studies
The Overseas Mediclaim Employment and Studies is a package policy that has been tailor-made to meet the requirements of people travelling abroad to pursue education or to work. The insured traveller is covered from several unforeseen risks including medical illness, medical emergency reunion, repatriation of mortal remains, loss or delay of baggage and medical evacuation. The policy covers the insured student under contingency insurance if his or her education has been sponsored.
This international travel insurance policy allows the traveller to choose the extent of their coverage according to their travel destination i.e. worldwide excluding USA/ Canada and worldwide including USA/ Canada. The traveller can also choose either USD 1,50,000 or USD 5,00,000 as the sum insured amount for his policy.
In order to know the extent of coverage available under Overseas Mediclaim Employment and Studies policy, refer the table given below:
|
Coverage (IN USD) |
Worldwide Excluding USA/ Canada |
Worldwide Including USA/ Canada |
|
|
Plan C |
Plan D |
Plan D1 |
|
|
Medical Illness |
1, 50,000 |
1,50,000 |
5,00,000 |
|
Medical Evacuation |
10,000 |
10,000 |
10,000 |
|
Repatriation of Mortal Remains |
10,000 |
10,000 |
10,000 |
|
Medical Emergency Reunion |
5,000 |
5,000 |
5,000 |
|
Contingency Insurance |
750 for each month of completed study |
750 for each month of completed study |
750 for each month of completed study |
|
Loss of Check-in Baggage |
1,000 |
1,000 |
1,000 |
|
Delay of Check-in Baggage |
100 |
100 |
100 |
National Travel Insurance Coverage
Travel insurance policies by National Insurance covers the insured traveller for the following risks:
Medical Illness
Treatment cost of any illness or disease diagnosed during the international trip will be covered under the overseas insurance policy by National Travel Insurance.
Medical Evacuation
In case the insured needs to be evacuated to a hospital or medical healthcare provider, the cost will be borne by the insurer.
Repatriation of Mortal Remains
National Insurance will cover the expenses incurred on the transporting the mortal remains of the insured traveller back to India, in case of his untimely death abroad.
Emergency Dental Treatment
Any expenses incurred on the treatment for emergency dental relief will be covered by the insurer. This cover is only available under the Worldwide excluding USA/ Canada plan of the Overseas Mediclaim Holiday and Business policy.
Personal Accident & Permanent Disablement
National Travel Insurance covers the expenses incurred on the treatment of any injury or illness arising out of any accident. It also provides compensation to the insured in case the accident causes permanent disability.
Loss of Checked-in Baggage
It provides compensation to the insured in case his check-in baggage is misplaced or lost by the scheduled airline with which he was travelling.
Delay of Checked-in Baggage
The insurer will reimburse the expenses incurred on the purchase of essential items such as medicines, toiletries, clothes, etc., in case the check-in baggage of the insured has been delayed by the scheduled airline for more than 12 hours.
Personal Liability
National Travel Insurance will cover any legal liability of the insured traveller resulting due to causing property damage or bodily injury to any third party during his international trip.
Loss of Passport
In case the insured loses his passport during his international trip, the insurance provider will indemnify the expenses incurred on obtaining a new or duplicate passport.
Medical Emergency Reunion
If the insured student gets hospitalized due to medical illness or accidental injury for several days, the insurer will cover the travel cost of one of his immediate family members coming to visit him.
Contingency Insurance
In case the sponsorship of the insured student immediate comes to an end, National Travel Insurance will compensate the student for each month of completed studies.
National Travel Insurance: List of Exclusions
National Travel Insurance does not cover the below-mentioned situations and events:
- Pre-Existing Diseases: It does not cover the expenses incurred on the treatment of any pre-existing diseases or any disease diagnosed before the commencement of the trip.
- Defying Doctor’s Advice: The insurer will not cover the insured in case he is travelling abroad against his doctor’s advice.
- Medical Treatment: In case the insured is travelling abroad to obtain any medical treatment, including routine check-ups, National Travel Insurance will not cover the cost.
- Participation in Defence Operations: Any claims arising out of the insured’s participation in an Army, Airforce or Naval operations will not be covered by the insurer.
- Self-Inflicted Injuries: In case the insured traveller harms himself or causes any self-inflicted injuries, including suicide or attempt of suicide, the treatment cost will not be covered by the insurance provider.
- Use of Intoxicants: Any claims arising out of the insured consumption or abuse of intoxicants such as alcohol or drugs will be excluded under National Travel Insurance policies
- Mental Disorder: The insurer will not cover any expenses incurred on the treatment of any mental disorder of the insured traveller/ student
- HIV, AIDS: The treatment cost of any illness related to HIV or AIDS will not be covered by the insured.
- Adventure Sports: Any claims arising out of the insured traveller's participation in adventure sports such as skiing, scuba diving and mountaineering will not be covered by National Insurance.
National Travel Insurance Claim Procedure
Apart from buying an overseas travel insurance policy for the trip, every traveller should also be aware of the procedure to raise a claim with his insurance provider. Fortunately, the claim procedure of National Travel Insurance is very simple. Moreover, you can raise two types of claims with National Insurance under Overseas Mediclaim policies – cashless claims and reimbursement claims.
Cashless Claims Registration
Cashless claims can be registered only if the insured is admitted at one of the network hospitals of National Insurance. Follow the steps given below to register a cashless claim:
- Inform National Insurance or International Service Provider (ISP) about your hospitalization
- Intimate the hospital staff about your travel insurance policy
- Send a pre-authorization letter to your ISP
- The ISP will review your claim against your travel insurance policy
- Upon approval, the ISP will authorize your treatment
- Receive the treatment at the hospital
- Get discharged and settle the bills which are not covered under the policy
- The ISP will directly settle the bill with the network hospital
Reimbursement Claims
Claims other than medical illness and personal accident can be registered by the insured traveller as reimbursement claims. Following are the steps given to raise a reimbursement claim under travel insurance policies by National Insurance:
- Immediately intimate National Insurance or the ISP about your emergency
- Fill up the appropriate claim form
- Collect all the supporting documents
- Submit the claim form along with all the supporting documents to the insurer
- The insurer will review the claim against the covered offered under the policy
- Upon approval, the insurer will pay the claim amount to the insured traveller
Documents Required for Claiming Under National Travel Insurance Policy
- Filled-in claim form
- Prescription by the doctor and payment receipts
- Pathological test reports and medicine bills
- Certificate of Admission and Discharge
- Police FIR in case of claims related to theft, accidents, etc.
- Death Certificate and post-mortem report ( in case of insured's death)
- Property Irregularity Report (PIR) by the scheduled airline (in case of loss or delay of check-in baggage)
- Photocopy of boarding pass, passport with entry & exit stamps, etc.
- All bills and payment receipts
How to Apply for National Travel Insurance?
People can buy a travel insurance policy by National Insurance by applying for online or offline. To buy the policy offline, you can visit the nearest branch of National Insurance or contact an agent. In order to buy travel insurance online, you can follow the steps give below:
- Visit the official website of National Travel Insurance
- Select the plan you want to buy
- Go to Buy online
- Enter your personal details
- Fill up the proposal form
- Pay the premium amount online
- Submit the details
- You will receive the policy document
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