All You Need to Know About Buying Domestic Travel Insurance

Thanks to well-connected public transportation, traveling has become an everyday part of life. Even if you're traveling within the country, there are many emergencies you can face unexpectedly. From losing your wallet to delayed flight/rail, no one likes to be in the middle of such a crisis. These days, a lot of insurance companies offer customizable travel insurance in India. Thanks to domestic travel insurance, you can now prevent similar financial risks the next time you go on that vacation.

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    What is Domestic Travel Insurance?

    Just like you get travel insurance before heading abroad, a domestic travel insurance plan is designed for travel throughout India to keep you and your loved ones safe. Most of these plans are available at very affordable premiums and can be easily bought without any complicated procedures. Covered benefits include compensation for baggage loss, flight delay, cashless hospitalization, and much more!

    You can buy either a single trip travel insurance or annual multi-trip travel insurance, depending on the frequency of your trips. The latter is definitely cheaper and saves time for people who travel through India frequently. Not only do these domestic travel insurance policies provide you with needed assistance during an emergency, but their protection is also extended to your family and other dependents.

    Points to Note Before Buying Domestic Travel Insurance

    Make sure to keep the following points before you buy a domestic travel insurance policy:

    • Before you start reading up about different plans, make a list of requirements and necessary coverage that you or your family members will need. These mostly consist of the following:
      • The age of your accompanying family members
      • Any pre-existing conditions
      • Travel dates and location you'd be traveling to
    • Depending on your travel location, find out if you’re prone to any risk for which an additional cover may be needed.
    • Carefully go through the fine prints; don’t forget to ask about the cases where you won’t be offered any benefits by your insurer.
    • Don't forget to check the benefits and sum insured in case of different covers. These vary significantly with policies.
    • Claim settlement ratio is an important factor to consider before purchasing any policy. Make sure that your insurer is respectable and has a transparent process.
    • Try to buy a plan that offers a lot of benefits under your budget. The more it covers, the greater will be the chances of you getting the promised compensation.
    • Don't forget to compare different plans before purchasing one. You can do so by checking Policybazaar.com where a lot of plans are explained simply.

    Make sure to carefully read the plan’s policy wordings and other important facts, so that you’re not left stranded during an emergency. In case of any confusion, you can write to us at care@policybazaar.com.

    How Can You Buy Domestic Travel Insurance?

    There are many ways to buy a domestic travel insurance plan these days. It can be purchased online or by visiting a nearby office of the insurer. The process has been briefly explained here:

    Online

    You can do so by visiting the official website of Policybazaar Insurance Brokers Private Limited. Alternatively, you can also do so by visiting the official website of the insurer. Take a look at these steps for more clarity:

    • Visit the insurer’s official website and go to the ‘Domestic Travel Insurance’ section
    • Provide important details (name, number of travelers, age, etc.)
    • The premium will be calculated based on your input
    • The summary page will be displayed, after verifying the details, you can buy the policy

    The premium is calculated based on all the important information you provide. You can easily make the payment through different wallets, UPI, net banking and more depending on your insurer’s facilities.

    Offline

    You can use the branch locator to find the nearest office of the desired insurance provider. Alternatively, an insurance agent can also help with the proposal form and buying the policy. On visiting them, all you need to do is to fill up the proposal form provided and ask for any doubts before you purchase that policy. You can also call the insurer on their toll-free number and request details to proceed further.

    How is Domestic Travel Insurance Important?

    The importance of having domestic travel insurance is slowly being recognized by many people. While we are willing to pay a lot more for the insurance plans when going outside the country, people often neglect the chances of something untoward happening to them in their own country.

    With so many accidents, thefts, and sudden medical emergencies affecting people, it’s not unlikely that you'd face these too. Especially in case of baggage loss or cancellation, you can get the needed support in a new city. Here are some ways in which a domestic travel insurance plan protects you:

    • Any sudden medical expenses caused by an illness or accident; often includes a daily hospitalization allowance
    • If you get hospitalized in another city and need to be transferred back to your hometown, then the policy will provide for the costs
    • In case your trip is canceled, you will get some compensation
    • In case of any unfortunate property damage or injury to another person, while traveling, you can get covered for the costs under the personal liability benefit
    • If your train or flight is delayed beyond the given time, you will be compensated for the additional hotel expenses
    • If you're sick and stranded in a hospital, the plan will help your family to visit you
    • If your luggage is lost or stolen, the policy will provide some compensation to meet your necessary needs

    Many policies offer optional covers like child education bonuses, flight delay compensation, home burglary insurance, and a lot more. You can read more about these travel insurance plans and compare them online at Policybazaar.com

    Wrapping It Up,

    Many people are now opening their eyes to the importance of domestic travel insurance. With so many lockdowns and COVID-19 precautions, many people saw the benefits of a plan that covered their canceled trips and a lot more. Be it a natural calamity or a medical emergency, domestic travel insurance will surely be worth your money if at all you're in trouble during your journey!

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