There are numerous insurance companies that are providing domestic insurance for traveling within India. But do you really think of domestic travel insurance as a compulsion and necessity and what are the advantages of signing up for it?
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Domestic travel insurance becomes extremely helpful in case of two specific events. Cancellation of your trip is one of them. 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. Loss of luggage is another reason. The chance of losing your baggage on a domestic flight is as likely as in an international one.
Domestic travel insurance does not cover the insured against pre-existing conditions and related complications, acts of war/terrorism, self inflicted injuries, suicide attempts, non-adherence to medical advice and HIV/AIDS. The cover also excludes the outcomes arising when the insured is under the influence of drugs/alcohol or when he voluntarily chooses to participate in hazardous activities and criminal acts.
Domestic travel insurance can be purchased by any Indian national traveling within India. If any foreigner passenger is traveling in India or has received work permit in India can also purchase domestic insurance.Now a day’s various online domestic travel insurance is also available. Some of famous domestic travel insurance policies in India are Tata AIG domestic travel insurance, Bajaj Allianz domestic travel insurance and many more.
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.
Buying Domestic travel insurance surely makes sense. You can't be assured of 100% safety even when on a holiday so why take chances when there is a solution to make yourself risk free. If you are a globe trotter then travel insurance is a must for you!