Domestic Travel Insurance Coverage & Benefits

Numerous insurance companies are providing travel insurance for journeys within India. But do you think of buying travel insurance in India as a compulsion or necessity? Read on to know how is it advantageous for you and your loved ones.

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    What is Domestic Travel Insurance?

    As is self-explanatory, it is a type of insurance made for anyone traveling in India. Most of these travel insurance plans cover varying medical and other contingencies while the insured person is on their journey.

    Before you dismiss it as another option, with accidental deaths in India averaging over 40 deaths every hour, traveling to another city comes with its share of preparation. As per the National Crime Records Bureau (NCRB), nearly 28,000 railway accidents were a cause of more than 24,000 deaths while traveling in India. With news of thousands of luggage being misplaced or stolen at different transits, a person can never be too careful while they’re out on a vacation.

    What does Domestic Travel Insurance Cover?

    Traveling is usually considered a relaxing activity. Even if you’re going to another place for business purposes or an emergency, nobody likes unexpected issues that will cost them extra money. The most common coverage under these travel insurance plans in India includes trip cancellation, loss of luggage, and any medical or financial emergencies while transit.

    If you fall sick right at the time of your travel and have no insurance cover, there is no chance for you to get a refund of your trip costs. The chance of losing your baggage on an inter-state flight is as likely as in an international one. With a domestic travel insurance policy, you can avoid this wastage of money and avail a lot more out of your policy. Let’s take a look at its benefits in the table below:

    Category Specification
    Eligibility Any Indian or Foreign with Work Permit
    • Personal Accident
    • Personal Liability
    • Medical Evacuation
    • Travel Assistance
    Special Add-Ons (Subject to Insurer)
    • Home Burglary Insurance
    • Accommodation charges due to trip delay
    • Child Education Bonus
    • Family transportationMissed departure
    Plan Types Many Insurers provide annual Multi-trip and Single-trip plans

    Disclaimer: Policybazaar does not endorse, rate, or recommend any particular insurer or insurance product offered by an insurer.

    Additionally, travel insurance companies mostly cover medical treatment, evacuation to your hometown as well as personal accidents in their plans.

    Benefits of a Domestic Travel Insurance

    If you plan to compare different domestic travel insurance policies in India, make sure they have most of these coverage benefits:

    • Medical Expenses: You will be protected against any injury or illness so that these unwanted incidents don't ruin your trip with the added financial burden.
    • Loss or Theft of Baggage: You will be provided necessary reimbursement for the financial loss you may have to suffer in case your belongings are lost/stolen.
    • Personal Accident Cover:You will be given financial protection against accidental death, disability, and dismemberment while traveling.
    • Trip Delay/ Trip Cancellation: In case you need to cancel your trip, the policy will reimburse you for any prepaid expenses on tickets and bookings.
    • Customized Senior Citizen Plans:Nowadays many insurers provide customizable plans to cater to the needs of older travelers along with active assistance.
    • Emergency Medical Evacuation:Any expenses incurred if you require transfer to seek urgent care in case of an emergency will also get reimbursed.
    • Emergency Cash:Losing your cash in an unknown place is a nightmare. However, the policy often provides the facility of emergency cash to help you out.
    • 24 x 7 Emergency Assistance:Most domestic insurance providers also offer dedicated customer care services to help you with any contingencies while you’re on your trip.

    Having a travel insurance plan in India will provide you some financial assistance if you have any unfortunate incident leading to unexpected expenses. It will cover for any personal accident, accidental loss, luggage or tickets loss, and other assistance depending on the insurer provider. You can compare different domestic insurance travel plans online at before proceeding to buy one.

    What is Not Covered by Domestic Travel insurance?

    With so many benefits, you should be aware of the exceptional cases where your insurance policy while traveling in India won’t entertain any claims. Most of them don’t cover you against pre-existing conditions and related complications. Some of these general exceptions have been mentioned below, however, they may vary considerably with the insurance provider:

    • Damages due to acts of war or terrorism,
    • Medical expenses due to self-inflicted injuries, suicide attempts, etc.
    • Not adhering to medical advice or traveling against the advice of your doctor
    • Claims due to sexually transmitted diseases, HIV/AIDS, etc.
    • If the insured suffers damages under the influence of drugs/alcohol
    • If they voluntarily participate in hazardous activities or criminal acts.

    Who is Eligible to Buy Travel Insurance in India?

    Any Indian national traveling within India or any foreign passenger traveling or with a work permit in India can purchase the best travel insurance from India. The eligibility age can be anywhere between 6 months and 65 years and varies from plan to plan. The coverage provided depends on various factors such as your medical conditions, the place you are traveling to, and the length of your trip, etc.

    Nowadays, you can also compare and buy different domestic travel insurance plans online.

    To Conclude

    An international trip, without a doubt, is more expensive. Thus there is more encouragement to buy insurance cover; but losing the money for cancelling your domestic trip or not getting a refund when your bag gets lost is frustrating too. Coming back to the initial question of whether it is necessary to buy travel insurance plan in India, the answer has to be yes. If you are fond of exploring new places then travel insurance is a must for you!

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