Travelling to a different state or country is fun. However, this fun might also bring some uncertainties and risks. Sometimes the risk can be severe; problems always come without prior notice.
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Suppose, while travelling to a new city you face a medical emergency. Or, you happen to lose your baggage in a new city or an airport. What will you do? Naturally, there are some uncertainties that might pop up while travelling to a new place.
The solution for these problems is travel insurance. Even while travelling within the country, you should have a Domestic Travel Insurance plan so that if anything goes wrong, you have a financial net to catch you. This insurance gives you a surety that you will not have to bear emergency expenses all by yourself.
In some countries, it is mandatory to have Domestic Travel Insurance policy.
Why should you take travel insurance? Just go through the following benefits that it offers.
An ideal travel insurance plan helps you when you need it the most. So, if you fall sick or meet with an accident at your destination, a travel insurance plan can help you meet the expenses incurred in availing the medical facility.
Nowadays, all airlines provide compensation for lost baggage. Regardless of the trifling reimbursement, they cannot help you while you struggle without your belongings. Travel insurance assures that you will get the cost of lost goods or baggage. It will also take into account the expenses spent on additional personal effects and accommodation while waiting for your delayed luggage.
Sometimes, weather conditions or technical issues can delay your trip or even cancel it entirely. In such a situation, your domestic travel insurance policy can reimburse you the pre-paid non-refundable costs of the trip.
Travel insurance providers adopted this option only recently. With this, any accidental damage to any third-party or their asset will be compensated by the insurer. If you are travelling with kids, then this might turn out to be a total blessing.
Any person travelling within the country can buy a domestic travel insurance policy. The person must be between 18 and 65 years old, but the age limit varies from plan to plan. The coverage type of the plan also depends on some factors like the destination, your medical condition and duration of the trip. Additional benefits of travel insurance vary over plans and providers. As travelling always comes with risks, it is always good to have a backup plan.
Even though travel insurance gives you financial protection against unexpected losses, there are some things that it does not cover at all. It will neither cover any pre-existing medical issues nor compensate for any self-inflicted injury, suicide attempts, HIV/AIDS and some other health issues.
Situations under which you can’t claim for under travel insurance-
Many insurance providers offer lucrative travel insurance policies. If you are looking for such companies and travel insurance plans, then here you go:
1. Bajaj Allianz Domestic Travel Insurance
Bajaj Allianz Travel Insurance offers plans that cover various things like:
This plan covers following things:
3. Apollo Munich Easy Domestic Travel Insurance
It comes with special low rates and with affordable plans and covers you on domestic trips. The plan covers:-
Note: Most plans come with some exclusions. You must give them some consideration as well.
In case you are admitted to a hospital, then you can follow these steps:
After hospitalization, the insured (or someone on behalf of the insured) can call the insurance service provider.
A valid insurance certificate number, the name of the hospital, its proper address & telephone number, and the name of the treating doctor has to be provided. If possible, the total amount of medical expenses incurred and other necessary information should be divulged to the insurance provider.
Then, the provider will extend a GOP (guarantee of payment) to the hospital. After that, the expenses covered by the policy will be settled directly with the hospital. The amount of settlement depends upon the terms and conditions of the insurance provider.
In case of loss of baggage, you need to collect:
After you inform the airline about the loss and file a complaint about the same, obtain a claim form, attach necessary documents, and send that to the insurance provider.
In case your baggage is delayed, you must submit:
Going by the benefits mentioned above, it is apparent that travel insurance not only gives you financial assurance against the expenses incurred on your medical treatment in an unfamiliar place, but it also provides you peace of mind while travelling. You can easily compare different plans online and settle for the one that fits your insurance needs. There are different insurance providers, Bajaj Allianz etc., that offer good features and provide instant claim settlement. So, make sure to you get a good travel insurance plan to cover your trip.