National Insurance Company Limited is India’s one of the oldest General Insurance providing company. It was established in Kolkata, West Bengal on December 5, 1906. The Company offers travel insurance to the people travelling overseas for the purposes such as vacation, business and studies. National Insurance Company has around 1730 offices all over India and one in Nepal. It is the first company to introduce the office on wheels in the country.
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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. Let us tell you some of the National travel insurance features that will
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National travel insurance comes with several features. They are as follows:
The National travel insurance provides multiple sum insured options. You can opt for a sum insured up to $500,000.
The National Travel Insurance plan offers custom travel insurance plans. The custom plans available for you to buy are “Worldwide excluding USA/Canada”, “Worldwide Including USA/Canada”, and “Asia excluding Japan”.
The National travel insurance company offers a cashless claim facility to insured travellers.
The Company provides assistance during the claiming process. The assistance is provided by International Service Providers.
The Company provides cover for the pre-existing diseases that have been diagnosed within 48 months of the issuance of the policy.
|Trips Covered||Domestic & International|
|Sum Insured||Up to $500,000|
|Cashless Claim||Available T&C*|
|In-house Claim Settlement||Available|
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.
The Overseas Mediclaim Business and Holiday is a comprehensive policy designed for people travelling outside India for vacationing or to fulfill 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|
|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|
The Overseas Mediclaim Employment and Studies is a package policy that has been designed to meet the requirements of people travelling abroad to pursue education or to work. The insured traveller is covered by 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 to 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|
|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|
Travel insurance policies by National Insurance covers the insured traveller for the following risks:
The treatment cost of any illness or disease diagnosed during the international trip will be covered under the overseas insurance policy by National Travel Insurance.
In case the insured needs to be evacuated to a hospital or medical healthcare provider, the cost will be borne by the insurer.
National Insurance will cover the expenses incurred on transporting the mortal remains of the insured traveller back to India, in case of his untimely death abroad.
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.
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.
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.
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.
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.
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.
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.
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 does not cover the below-mentioned situations and events:
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.
The insurer will not cover the insured in case he is travelling abroad against his doctor’s advice.
In case the insured is travelling abroad to obtain any medical treatment, including routine check-ups, National Travel Insurance will not cover the cost.
Any claims arising out of the insured’s participation in an Army, Airforce or Naval operations will not be covered by the insurer.
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.
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
The insurer will not cover any expenses incurred on the treatment of any mental disorder of the insured traveller/ student
The treatment cost of any illness related to HIV or AIDS will not be covered by the insured.
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.
Travel insurance plans offered by National General Insurance Company can be bought online as well as offline. Follow the process given below to purchase a National Travel Insurance plan:
There are several ways to enroll in the Nationa travel insurance policy. You can do it on the Policybazaar Insurance Brokers Private Limited official website. Also, you can do it on the National Insurance Company’s official website. For more details, you can either send an eail to us at firstname.lastname@example.org or talk to our experts at 1800-708-8787. You can follow the steps mentioned below for better understanding:
There are multiple ways of buying a National Travel Insurance policy offline. They are as follows:
You can learn more about the travel insurance plans and compare them online at Policybazaar.com
Ans: Yes, the national travel insurance plan provide cashless claim facility but only when the insured is hospitalized in a network hospital.
Ans: Yes, National travel insurance provide student specific plan.
Ans: National travel insurance provide maximum of $5,00,000 of sum insured to the policyholder.
Ans: Yes, In order to raise the claim, you need to submit the copy of FIR only in case of theft and accident.
Ans: No, if your doctor has asked you not to travel and you still go on a business trip and get sick then the insurance company will not provide you cover for the medical expenses.
Ans: No, the National travel insurance company will not provide cover if your get injured in an adventure sport.
Ans: Yes, the insurer will provide cover for the travel cost to the immediate family member coming to visit the hospitalized policyholder in case of accident or medical illness.
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