travel insurance plan

Travel Insurance

Travel Insurance: Safeguard yourself from the unforeseen troubles with the best travel insurance. Compare and select from a wide range of travel insurance plans online at PolicyBazaar.

How to Buy Best Travel Insurance

  • Compare Travel Insurance Plans from Top Insurers
  • Lowest Premium on Travel Insurance Plan
  • Get Policy Online, Instantly

“The world is a book, and those who do not travel read only a page.”

Saint Augustine

Travelling is an important and regular event in everyone’s life whether it is for leisure or work. People are opting for adventure travels just for the sake of adventure or to spend some family time together. Travelling together creates memories which we cherish all through our life. Who won’t want to go on a vacation amidst scenic lands, pampered days and carefree moments - far away from hectic life! Well, how much we love travel we should not undermine the risks that it entails. Yes, travelling does have its own risks and probabilities of unforeseen situation distress.

Make your travel itinerary foolproof by adding travel insurance to it. A good travel plan will take care of any unforeseen situation during transit. Situations like loss or theft of baggage, delay of flights leading to financial loss, loss of passport and other important documents and medical emergency are quite common. Travel around the globe without any worries with best travel insurance plans from top travel insurers. The best way to ensure that we can manage such an expected situation is to buy a travel holiday insurance plan. PolicyBazaar will help you to compare travel policy online & find cheap travel insurance at ease of one click.

travel insurance plan

Best Travel Insurance Policies in India

Travel Insurance Companies Eligibility Medical Checkup Inclusions Exclusions
SBI Travel Insurance 6 Moths to 70 Years Not required • Accidental cover up to 10% of the coverage limit ($25K)
• Personal liability cover up to 50% of the coverage limit (or $2,00,000)
• Loss or passport, checked baggage, cover against hijack, etc.
• Claim filed by an individual who is part of Military, Airforce, or Navy.
• Any claim arising in relation to a nuclear or civil war, or when traveling via an aircraft not licensed to carrying passengers.
• Loss or injuries arising from mountain climbing, racing, or any professional sports.
• Claims arising from any of the criminal acts.
TATA AIG Travel Insurance Up to 70 years N/A • Accidental Death or Dismemberment
• Delay or Loss of baggage, Personal liability, passport loss, hijack cash benefit, or trip delay or cancellation
• Traveling despite physician’s advice or for medical treatment
• Claims arising from a pre-existing condition
• Attempt to suicide, mental disorder, STD, depression
• Claim arising from a war, life-threatening sports, etc.
Bajaj Allianz Travel Insurance Up to 75 years of age N/A • Hospitalization expenses, loss of baggage, trip delay or cancellation
• Emergency cash in foreign land
• Attempt to suicide due to mental disorder, drug or alcohol consumption
• Treatment other than allopathy, pregnancy or childbirth, miscarriage, abortion
• Loss or passport
HDFC ERGO Travel Insurance 6 Months to 70 Years Not required until you're 70 • Emergency medical expenses
• Dental expenses (if any)
• Emergency hospital cash
• Personal accident coverage
• Flight delay, loss of checked baggage, passport
• Flight hijack cover
• Attempt to suicide due to mental disorder, drug or alcohol consumption
• Treatment other than allopathy, pregnancy or childbirth, miscarriage, abortion
Bharti AXA Travel Insurance 3 Months to 60 Years N/A • Expenses arising from emergency medical evacuation/death
• Personal accident causing death or dismemberment
• Loss or passport or other traveling documents
• Flight delay/loss of checked baggage
• Any pre-existing medical condition
• Expenses arising out of a cosmetic surgery unless due to an accident
• Injuries arising from fatal sport activities, viz. bungee jumping etc.
• Loss of baggage or passport unless reported within 24 hours of its occurrence
• Partial loss of any item within the checked baggage is not covered.
Future Generali Travel Insurance • 6 Months to 71 Years71 to 80 Years (Senior Citizen) N/A • Loss of checked baggage
• Compensation for duplicate passport if lost
• Personal accident causing death or permanent dismemberment
• Pre-existing medical conditions
• Emergency arising out of consumption of alcohol or any other intoxicants
• Self-inflicted acts causing bodily injuries
• Medical emergency arising out of pregnancy, miscarriage, abortion, or during childbirth
IFFCO Tokio Travel Insurance N/A Not required until you’re 70 • Health care expenses are covered, including dental treatment
• Daily hospital cash
• Loss of passport
• Personal accident
• Personal liability
• Loss of baggage
• Flight delay
• Any existing condition leading to claims after policy commencement
• Claim filed by an individual who is part of Military, Airforce, or Navy.
• Claims arising from riots, terrorist activities etc.
• Injuries caused indirectly due to radioactive, hazardous, ionizing acts etc.
Cholamandalam Travel Insurance • 3 Months to 80 Years
• 61 Years to 70 Years (Senior citizens)
Not required until you’re 65 • Medical emergency during the trip
• Coverage for any illness or injury
• Loss of checked baggage
• Expenses incurred for obtaining a fresh passport
• Coverage for hijack distress
• Pre-existing medical conditions
• Injuries caused indirectly due to radioactive, hazardous, ionizing acts etc.
• Injuries arising out of fatal sports activities
Apollo Munich Travel Insurance • 6 Months to 70 Years N/A • Medical assistance
• Loss of checked baggage
• Hijack distress
• Personal accident causing death or permanent dismemberment
• Trip delay or cancellation
• Expenses incurred for obtaining a fresh passport
• Sole purpose of journey is to avail medical treatment
• Any claim arising in relation to a nuclear or civil war, revolution, invasion, riots, nuclear or radioactive contamination etc.
• Medical emergency arising out of pregnancy or childbirth, miscarriage, abortion
• Injuries arising out of fatal sports activities scuba diving, mountain climbing, parachuting etc.

 

what is travel insurance

What is Travel Insurance

Travel Insurance is kind of an insurance policy that covers a policyholder for certain incidents, such as loss of Flight delay or cancellation, trip cancellation, checked baggage loss, loss of passport, including any emergency that may occur while traveling to a foreign country.

Travel insurance is recommended to purchase at the time of trip booking so that the coverage for the whole trip can be availed - be it a single or multi-trip policy. These policies are to cover the increasingly high medical expenses, typically in a foreign land. 

key features of travel insurance

Key Features of Best Travel Insurance

Purchasing a travel insurance online is all about providing travellers an ideal cover against emergencies and unforeseen situations right from the comfort of home. There are certain key features which one should look out for while zeroing in on a plan.

  • Compensation for Flight Issues – A travel insurance policy provides you with compensation in certain cases, including flight delay or cancellation. This usually is covered in the case of traveling abroad. You will be provided with accommodation during the waiting period.
  • Medical Emergency & Hospitalization – What if you met with an accident during your trip or a medical emergency stroke all of a sudden? It’s your travel policy that bears the expenses, including hospitalization or medical treatment for bodily injuries, ambulance fee, etc.
  • Travel & Accommodation – Any emergency causing trip termination or delay is typically covered by travel insurance. In the meanwhile, expenses arising out of hotel accommodation, in-between transportation, air ambulance (if required due to a medical emergency), etc. are settled under the coverage of your travel insurance policy.
  • Legal Liability & Expenses – Travel insurance policies provide coverage for legal liabilities and corresponding legal expenses whatsoever, in addition to coverage in term of medical and accommodation expenses.

policybazaar benefits

10 Reasons Why You Should Buy Travel Insurance

If you want to have a comfortable and hassle-free trip, here are 10 reasons why you should buy travel insurance.

  • If your flight is delayed, you get meal reimbursements.
  • If you lose your passport, you get quick assistance.
  • You get emergency medical help whenever you need.
  • When you cancel your trip, you don’t lose money.
  • Basic requirements are provided if luggage is lost.
  • In the case of a disaster, you get back home safely.
  • You can’t travel to some countries until you have travel holiday insurance.
  • You are immune to the travel company’s bankruptcy.
  • It makes your trip economic.
  • It gives maximum coverage at minimum cost.

travel insurance plan

How to Choose Best Travel Insurance Plan

  • Company’s Credibility - Company’s goodwill says a lot about the company’s reliability. Trust is an important factor to be considered while selecting an insurance provider. It ensures that the insurer will fulfill its promise(s) on time.
  • Affordability - Costs has its own significance when it comes to selecting a travel insurance plan. Minimum premiums are convenient to pay, easy on your pocket, and they make travel insurance affordable.
  • Hassle-free - There are so many travel policies available in the insurance market. What makes you finalize a plan is its convenience. Buying a travel policy should be easy and hassle-free.
  • Destination - Your destination decides the premium that you have to pay. Countries where health care is expensive, the premium for the coverage would be higher for obvious reasons.
  • Duration of The Travel - The premium is directly proportional to the duration of your journey. You have to a pay higher premium for a longer duration. Frequent flyers are recommended to go for annual multi-trip plans, as it is economical.
  • Purpose of the Travel - If your trip revolves around adventure activities, then it is advised to opt for a special plan, as it would provide you with an adequate coverage. If your trip is relaxing one and it includes sightseeing and trying out different cuisines, then basic travel insurance plan would be sufficient for you.
  • Age - Premium for a travel insurance plan for a 25 years old person would be different from the premium for a 45 years old person. Senior citizens can select plan(s) that provide coverage for senior citizens which include pre-existing illness. The premium will be increased as the cover expands.
  • Sum Insured - The premium depends on the sum insured. If sum insured is high, then the cost of the policy will also be high and vice-versa.
  • Coverage - Having add-ons or not having add-ons determines your premium. The advantage of having add–ons is that it widens the umbrella of your coverage, which is good.
  • Claim Settlement Percentage - It determines the number of claims that have been settled by the insurance company. The percentage has a lot to tell about the company’s settlements. Claim settlement percentage gives an edge to the company over its competitors.
  • Solvency Ratio - The solvency ratio determines the steadiness and the fiscal goodwill of the insurance provider. It depicts the insurers’ ability to generate business without becoming bankrupt.

where to buy travel insurance plan

Where & How to Buy Travel Insurance?

Travel Insurance is mandatory and thus highly recommended to every individual traveling to a foreign country or even to a distant city within one's own country. In India, an individual looking for the best travel insurance policy has a wide range of options to choose from. This leads to a state of chaos in one's head. Policy bazaar facilitates individuals to choose the most appropriate travel insurance policy followed by a thoroughgoing comparison between a wide range of travel plans by the country's leading insurers. Follow the below steps to get the best travel insurance online:

  • Log onto www.policybazaar.com and click on the Travel icon on the homepage.
  • Fill in the details as required below one of the tabs - Family/Individual Policy or Group/Student Policy.
  • Choose any of the plans shown, based on the information provided to proceed.
  • Fill some personal information, such as Email, Full Name, DOB, and Mobile Number.

types of travel insurance

Types of Travel Insurance Coverage:

You can choose which coverage to opt for on the basis of your specific requirement. Travel plans and policy offer coverage against all possible emergency situation during transit.

Domestic Travel Insurance

Domestic travel insurance is meant for customers who are travelling within the country. It 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 offers protection from a number of contingencies for overseas travellers during international travel. It provides 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. Click to Read More

Student Travel Insurance

Student Travel Insurance is a travel policy designed for students travelling abroad on student visa to pursue higher studies. The policy covers students who are going colleges, universities or institutes in a foreign country for academic or professional courses. 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 is a travel medical insurance policy aimed at senior citizens to make their travel a pleasant experience. It includes coverage for dental treatments and cashless hospitalization besides the usual benefits associated with travel insurance.

Family Travel Insurance

A family travel Insurance plan insures the entire family of the insured individual during travel from travel related emergencies. This plan covers hospitalization (travel medical insurance), baggage loss, and other incidental expenses. The claim disbursement is easy with minimal paperwork involved.

Individual Travel Insurance

As the name suggests, individual travel insurance is meant for a single individual covering him from travel related contingencies. Through individual insurance, you can get coverage against cancellation of trip, home burglary and trip curtailment.

Multi-Trip Travel Insurance

A multi-trip travel insurance is a type of travel insurance offering extended coverage usually for a year, specially designed for frequent fliers for multiple trips so that they don’t have to apply for insurance every time they travel.

Single Trip Insurance

This type of travel insurance provides coverage for the duration of a single trip. It takes care of medical (travel health insurance) and non-medical emergencies during travel including coverage for loss of checked-in baggage.

travel insurance benefits

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. Choose the best travel insurance as travelers insurance is your friend in need when emergency strikes, whether in your native country or in unknown territories. In 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 policy 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.

Note: The exclusions differ from one plan to plan. It is best to compare quotes of travel insurance online using travel insurance comparison feature and choose the best travel policy with minimum exclusions.

policybazaar benefits

PolicyBazaar facilitates a Buyer

Compare travel insurance and buy travel plans online from PolicyBazaar and enjoy the following benefits:

  • Easy travel insurance compare.
  • Make an informed choice by getting quotes for travel insurance online.
  • Avoid confusion and find the plan that suits your specific requirement.
  • Travel insurance comparison and assess to features and benefits of various plans side by side.
  • Save money and time.
  • Buy hassle-free and instantly.
  • Guaranteed safety and peace of mind.

Travel to create good memories. Stay safe, stay insured!

  • How to Calculate Premium for a Travel Insurance Policy?

    It goes without saying that a travel holiday insurance policy is a must when travelling. Travel insurance offers protection from unforeseen contingencies during travel such as a medical emergency (travel health insurance), loss of passport, loss of checked-in baggage, trip cancellation etc. allowing a pleasant, worry-free travel experience. But how much does it cost? What is the premium for a travel insurance policy for your specific trip?

    Internet-based online tool known as a travel insurance premium calculator gives you a tentative idea of the cost of travel policy. It provides an approximate figure when required particulars are keyed in helping one budget for a trip.

    One has to provide destination details. It has several options under this section - whether one is travelling to Europe/Schengen country or US/Canada etc. One is also required to mention whether insurance is required for a single trip or multiple trips. Details of the number of travellers for whom insurance is required and tentative travel dates are to be given. It next asks for personal details of travellers like their gender, date of birth, annual family income, city of origin etc.

    Finally, after filling in all these details, the travel insurance premium calculator displays the approximate premium amount that one will have to pay for a travel policy for the desired destination and travel dates. It also facilitates in travel insurance comparison and procuring the best travel insurance policy from a host of insurance providers.

  • Claims Process for Travel Insurance

    It is important to get a comprehensive travel insurance cover before commencing travel. One should opt for features that will cover likely travel related contingencies specific to one’s travel. This will prevent disappointment later when filing for travel insurance claim.

    Always carry the main policy document when travelling. It is advisable to have photocopies of the document handy in case one loses the original copy. Keeping a PDF soft copy of the document is also a good idea. One can store it online, in email, on a pen drive or computer or on the mobile phone.

    • In case of an emergency during travel, one should call or email the travel insurance company to understand the claims process including supporting documents required specific to one’s case. The insurer’s contact number - customer care number (generally a toll-free number) and email address are always clearly mentioned on the policy document. One may have to call the contact number of their international partner if travelling abroad.

    • One is then required to send supporting documents to the insurer by post, fax or email.

    • Relevant documents like passport with immigration stamp, claims form, copy of policy, original bills and receipts, police report (if applicable), personal identity proof should be kept handy.

    • Upon submission of claim including all required documentation and proof, it is assessed by a surveyor appointment by the insurance company and processed accordingly.

Insurer Categories covered Special Features Exceptions
Apollo Munich
  • Individual
  • Family Floater
  • Annual Multi Trip
  • Emergency cash advance
  • Loss of checked in baggage
  • Trip cancellation and curtailment
  • Coverage of personal liability
  • No specific European/Schegen plan
  • Pre existing diseases are not covered
Bajaj Allianz
  • Individual
  • Family Floater
  • Annual Multi Trip
  • Student
  • Senior Citizen
  • Emergency cash advance
  • Loss of checked in baggage
  • Home burgalry covered
  • 2-way compassionate visit
  • Coverage of bail bond
  • Pre existing diseases are not covered
Bharti Axa
  • Individual
  • Family Floater
  • Annual Multi Trip
  • 2-way compassionate visit
  • Specific Schengen plan
  • Emergency cash advance
  • Pre existing diseases are not covered
Future Generali
  • Individual
  • Annual Multi Trip
  • Emergency cash advance
  • Child escort benefit
  • Trip cancellation and curtailment
  • Coverage of personal liability
  • Pre existing diseases are not covered
HDFC Ergo
  • Individual
  • Family Floater
  • Student
  • Annual Multi Trip
  • Loss of checked in baggage
  • Flight delay benefits
  • Study interruption (Student)
  • Treatment of mental and nervous disorders (Student)
  • Pre existing diseases are not covered
Iffco Tokio
  • Individual
  • Emergency cash advance
  • Pre existing diseases are not covered
New India Assurance
  • Individual
  • Student
  • Repatiriation of mortal remains
  • Pre existing diseases are not covered
Reliance
  • Individual
  • Family Floater
  • Annual Multi Trip
  • Student
  • Senior Citizen
  • Emergency cash advance
  • Loss of checked in baggage
  • Home burgalry covered
  • 2-way compassionate visit
  • Coverage of bail bond
 
Religare
  • Individual
  • Family Floater
  • Annual Multi Trip
  • Student
  • Senior Citizen
  • Emergency cash advance
  • Loss of checked in baggage
  • 2-way compassionate visit
  • Coverage of Pre exisitng diseases
  • Coverage of bail bond
 
Royal Sundaram
  • Individual
  • Annual Multi Trip
  • Compassionate visit
 
Star Health
  • Individual
  • Flight delay and missed flight benefit
  • Pre existing diseases are not covered
TATA AIG
  • Individual
  • Family Floater
  • Annual Multi Trip
  • Student
  • Senior Citizen
  • Emergency cash advance
  • Loss of checked in baggage
  • 2-way compassionate visit
  • Home burgalry coverage
  • Coverage of bail bond
 
Universal Sompo
  • Individual
  • Flight delay and missed flight benefit
  • Pre existing diseases are not covered

Why should I buy travel insurance?

Ans:

Travel insurance provides protection to you and your loved ones in case you get sick or suffer an injury while travelling. It covers hospital expenses, emergency evacuation bills, lost baggage, flight cancellations and a long list of other costs which can add up to the tens of thousands. Travel insurance provides coverage to deal with unforeseen situations while in transit.

What If I forgot to carry my travel insurance?

Ans:

It is strongly advised to carry travel insurance during trips. In case you miss out the documents then you should have important details of your policy like policy number or customer ID number to avail its benefits.

Can I cancel a policy?

Ans:

Yes, are allowed to cancel your travel insurance only if you don’t undertake the journey covered by your insurance policy. You may have to submit a copy of your passport as a proof that no journey has been undertaken. Insurance companies normally refund premium subject to deductions made towards administrative costs.

What is single and multi-trip insurance?

Ans:

Single and multi - trip insurance depends on the frequency of your trips.

Single trip insurance - It stands valid for a single trip and only for a pre-defined number of days.

Multi-trip insurance - People who go on frequent personal or business trips should go for multi-trip insurance policy. With this insurance cover, you are secured for a maximum number of trips in a year and you don’t need to inform the insurance company about every trip.

How long does the insurance cover start?

Ans:
  • For single trip- Insurance cover starts the moment you board the flight, bus or train.
  • For multi-trip- This insurance plan is designed for frequent travelers. It offers coverage for multiple trips taken by an individual in a period of one year. Coverage per trip can be 30 or 60 days.

For how many days can I extend my overseas travel insurance?

Ans:

The policy can be extended for a maximum of 180 days. In any case, extension should not be more than 360 days. You can renew your plan online by filling a claim form before 7-10 days of the expiry of the current plan.

Can I buy travel medical insurance for my parents who are over 70 years?

Ans:

Yes, travel insurance can be purchased for senior citizens also. There are various insurance companies that offer travel insurance for people who are aged between 71-85 years.

What documents are required to make claim?

Ans:

For claim settlement, you need to fill the claim form and submit following documents-

  • Bills/ Prescriptions/ vouchers/ reports/ discharge summary, containing name of the person treated, type of ailment, details of medical treatment and date of treatment.
  • Prescription should clearly show medicines prescribed, price and the receipt stamp of the pharmacy. For dental treatment, bills/vouchers/reports must show the details of the tooth treated and treatment.
  • For reimbursement of the costs incurred on transporting the mortal remains to India or the cost of burial abroad, it is required to submit an official death certificate along with the doctor’s statement giving the reason of death.
  • For reimbursement of expenses incurred on transporting the insured person to India, a medical statement giving the cause of illness and the requirement of transportation should be submitted.
  • To claim loss of baggage, an insured has to give the proof of value of articles.
  • For personal liability, proof of judicial decision given by the court of law.
  • For personal accident, bills/ vouchers/ reports/ discharge summary, death certificate, FIR, Post Mortem Report and other documents as applicable.

Any other document(s) that the company needs to process the claim.

How to avail cashless facility?

Ans:

When you buy a policy, you are given E-card by an insurance company. Please register yourself on the numbers mentioned on the E-card to avail treatment. Every insurance company has its authorized agency working abroad who settles all overseas claims. Usually, cashless benefits are available only for in-patient treatment and not for outpatient treatment.

Is student travel insurance mandatory?

Ans:

It is not mandatory in every country but yes, there are few countries which have made it compulsory. United States, France, Germany, Italy and Spain have made it mandatory for students travelling into their country to have a proper insurance plan.

Even if it is not obligatory, one should buy this cover in order to ensure a safe and happy stay in an unfamiliar country. Travel insurance helps students during medical contingencies, reimbursement on failure of presence during exams, etc.

Can I buy travel insurance from overseas for my parents who stay in India and are travelling to meet me abroad?

Ans:

Yes, you can buy travel insurance for your parents by using an international debit/credit cards. The soft copy of the policy is a valid legal document and proof of your travel insurance cover.

Who can buy travel insurance?

Ans:

Any individual above the age of 3 years and below 80 years (may vary as per plan) can be covered by travel insurance. It is mandatory that a trip should commence from India.

Why should I buy travel insurance online from PolicyBazaar?

Ans:

As an eminent insurance aggregator, PolicyBazaar is committed towards making your travel pleasant and hassle free. We give you a viable platform to compare travel insurance plans of different companies so that you choose the one that suits you best. When you buy online, you instantly get the policy. Moreover, our experts are available at 1800-103-3999 (Toll free) to address any query.

What is the minimum period for a domestic trip to be insured?

Ans:

Usually, travel insurance offers coverage to domestic trips as short as 1-4 days.

In what circumstances travel insurance claims will not be given?

Ans:

Here is a tabular representation of reasons when travel insurance claims might get rejected under the following broad heads:

Medical

Personal Liability

Personal Accident

Trip inconvenience

Pre-existing diseases

Claims arising out of unlawful acts

Pre-existing diseases

No claim will be entertained for loss/delay of baggage containing perishable items

Pregnancy and related treatment

If an insured was under the influence of drugs, alcohol at the time of incident

Pregnancy and related treatment

Delay due to custom official

Treatment which can be delayed till the insured returns to India

Employer’s liability

Accident occur while doing hazardous activities like parachuting, gliding, etc.

Baggage is delayed on arriving in India

Travelling against medical advice

Disputes between travel companions

Disability due to riots, stroke

Travel document is confiscated by custom official

Treatment for illness if medical help was the sole purpose of travelling

 

Suicide attempt

 

What is personal liability?

Ans:

Personal liability means when you unintentionally injure an unknown person in a fatal accident or you damage third party property. There are various insurance companies which are offering personal liability coverage also. Check your policy wordings to know the extent of coverage.

Do I have to undertake any medical test to buy travel insurance?

Ans:

You must check with the insurer and agent/or broker about medical tests that are required to be submitted along with the duly filled proposal form. Check the validity period of such reports also. Normally, medical reports within three to four weeks prior to departure are accepted. However, there are some companies like HDFC Ergo which doesn’t requires medical insurance up to 70 years.

Can foreign nationals be covered under travel insurance?

Ans:

Foreign nationals working in India with Indian employers of multinational companies and drawing salary in Indian currency can be covered.

What is trip cancellation travel insurance?

Ans:

It is a pre-departure coverage that reimburses you if due to some reasons your trip got cancelled. Some of the reasons of trip cancellation are natural disaster, injury, traffic accidents, assaults, illness, etc.

Will claims be settled on my return to India?

Ans:

Except in case of hospitalization, insurer will settle claims once the insured is back in India.

Is loss of passport covered?

Ans:

Yes, passport is covered in the insured policy. Also, expenses incurred towards the procurement of a duplicate/temporary passport are also covered under travel insurance policy.

Are ambulance charges covered under the policy?

Ans:

Under emergency medical expenses, charges incurred on ambulance services (to and from the hospital) are covered by insurance company.

What is medical repatriation?

Ans:

Medical repatriation means arranging transportation to move an insured to his/her country of residence following a medical emergency.

What is medical evacuation?

Ans:

Medical evacuation means arranging transportation to move an insured to the nearest hospital.

What are the benefits available under hijack distress allowance?

Ans:

If the common carrier in which an insured is travelling is hijacked, insurance company pays compensation to his/her family for fixed number of days.

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