Domestic Travel Insurance

What is Domestic Travel Insurance?

Domestic Travel Insurance is a type of insurance product that provides coverage for many unforeseen incidents during a journey. These include loss of baggage, medical emergency, taxi or private car breakdown, bag insurance, home insurance, personal liability, etc., while you travel in India.

You can find different domestic travel insurance within India with a different set of coverage to fit your needs. Domestic travel insurance has features such as medical treatment cover, loss of travel ticket, as well as emergency evacuation cost cover.

Domestic Travel Insurance At a Glance

Why Buy Domestic Travel Insurance?

Most people buy travel insurance when travelling abroad, but tend to ignore it when travelling within India. It's necessary to invest in a reliable domestic travel insurance plan to eliminate all financial risks and unwarranted medical expenses.

These domestic travel insurance covers are useful, especially when your flight is unduly delayed due to any reason or when you are travelling with valuable or expensive assets in your baggage. Domestic travel insurance covers the cost for medical emergencies, unfortunate accidents leading to partial or total disability, flight cancellations, damage or loss of baggage, medical evacuation, repatriation of mortal remains and more.

Just like international travel insurance, domestic travel insurance can be purchased to secure your family and can be bought for a single trip or a multi-trip. It is available for families, frequent business travellers, and daily commuters with varying benefits.

A domestic travel insurance policy will help you ensure a pleasant and relaxing journey and stay safe against all adversaries when travelling in your home country.

Domestic medical travel Insurance comes packed with the assurance that you won't have to spend a fortune for medical treatment and hospitalisation expenses in order to manage and cope with unforeseen hassles.

Domestic Travel Insurance within India: Features

• Caters to All: Comes in various travel insurance plans aimed at people who want protection for themselves or opt for a wider family plan
• Assistance Services: Offers help like concierge services, taxi breakdown, private car breakdown, ambulance assistance, medical evacuation and repatriation of remains.
• Plans for Different Purposes: Plans available for daily commuters, business trips or leisurely vacations in India
• Flexible Options: Varying policy periods ranging from 1 day to annual plans

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Domestic Travel Insurance Inclusions

Inclusions are specific situations that are covered under your policy. Most domestic travel insurance in India includes coverage for medical or accident expenses, trip cancellation, lost or damaged baggage, roadside assistance and more. Let us look at some inclusions under domestic travel insurance in India:

• Medical or Accident Cover: This benefit helps you cover expenses faced because of medical emergencies or accidents during the trip. It also covers ambulance charges, medical evacuation and repatriation expenses depending on the plan.
• Flight Cancellation or Delay: From unpredictable weather conditions to technical glitches, there can be numerous reasons for a flight delay. In such circumstances, the domestic flight insurance covers you against the expenses incurred due to the delay or cancellation.
• Lost baggage: In case your airline misplaces your baggage, your domestic travel insurance online lost baggage cover under this domestic travel insurance gives you peace of mind and a feeling of security. It goes some way in ensuring that at least the cost of your belongings is recovered, if not the value.
• Personal Liability: This benefit provides coverage against accidental damage to a third party's property in case you are held liable for it. This type of cover is especially beneficial if you are travelling with kids.
• Add-On Benefits: Several insurers provide special coverage that you can buy by paying an extra premium. Some of the most popular travel insurance add-ons in India include accidental death and dismemberment benefit, accommodation charges due to trip delay (flight or rail), family transportation, loss of air or rail ticket and adventure sports coverage.

Domestic Travel Insurance Policy Exclusions

Besides understanding what is covered under a policy, it is also important to know what is not covered under domestic travel insurance.

• Medical expenses due to pre-existing diseases are not covered
• No coverage provided if the insured is travelling against their doctor's advice
• If travelling for medical treatment or diagnosed with a terminal ailment
• Losses due to an accident caused by the consumption of alcohol or drugs are not covered
• Self-initiated harm, suicide, sexually transmitted diseases, mental disorders like stress, anxiety, depression, etc., are not covered
• If you incurred losses due to participating in criminal activities, civil commotion, riot, etc.
• Any damage that occurred due to the participation in adventure activities or water sports, mountaineering, bungee jumping, scuba diving, racing, hang gliding, etc. is not covered by domestic travel insurance online.
• No insurance coverage is offered for the damage due to caving, hunting, horse-riding, surfing, rafting, canoeing, underwater sports, etc. However, some domestic travel plans come with adventure sports coverage add-ons, which may cover these activities.

Things to Remember While Travelling in India

Travelling within the country does not make you immune to unforeseen incidents that may cause loss or damage. Here are some helpful tips to make your vacation in India better:

1. Plan and Book in Advance

   Indian railways provide a cheap, comfortable and easy commute across most parts of India. However, the demand for popular destinations is always high, so book tickets and accommodation in advance. Use official portals like IRCTC and state transport websites for bookings.

2. Keep Copies of Important Documents

   Carry your ID proof, like a driving license, Indian Passport, etc., tickets, hotel bookings—both soft copies (Google Drive/email/WhatsApp) and 1-2 physical copies. This will be useful in cases your phone dies or in a no-network area.

3. Travel Light but Smart

   Pack versatile clothes based on the region, for example, light cottons for Rajasthan, or layers for Himachal Pradesh. Don't forget to carry power banks, basic medicines, a reusable water bottle, and of course, snacks.

4. Beware of Common Scams

   Avoid over-friendly guides or locals offering 'special' deals. You should also avoid fake government emporiums or gemstone sellers. Make sure you research rates online before buying valuables while travelling.

5. Know Local Emergency Numbers

   Always save your hotel's front desk contact in your phone. You should also have emergency numbers in India on your fingertips:

   • 112 – All-in-one emergency number
   • 100 – Police
   • 108 – Ambulance

6. Stay Alert with Digital Payments

   Use your UPI apps carefully by always verifying the merchant before sending money. You should also be cautious about QR code scams. Don't scan random codes or accept random money requests from strangers.

7. Ensure Safety in Every Way

   Only go for well-rated accommodations to ensure your safety as well as a good experience. You can check reviews and ratings before booking your accommodation. You should go for places with 24/7 reception that are located near main roads, not isolated areas. Finally, always take necessary precautions like not venturing out by yourself to isolated or shady areas, not sharing sensitive details with over-friendly strangers and of course, securing your trip with domestic travel insurance online.

Myths about Domestic Travel Insurance Policy

People often do not realise the necessity of domestic travel insurance and consider it a block on their liquidity. There are many misconceptions that prevent people from investing in domestic travel insurance plans in India.

Here are some tips to help you understand the need and importance of having travel insurance within India.

1. Flying Time

   People usually have a misconception about not having a need for a local travel insurance policy if their flight duration is short. Mishaps do not depend upon the duration of your flight; it is just a matter of a few seconds.

   • Delay in your flight, leading to a miss of your connecting flight
   • Cancellation of your flight, leaving you troubled
   • Theft or misplacement of your baggage
   • Medical emergency while on the flight

   All of these eventualities have no relation to your flight duration. Buying domestic flight travel insurance is the only way to face and tackle these circumstances. A good domestic travel insurance plan can be your financial support in such circumstances and save you from stress.

2. Expensive Plans

   A lot of people assume that domestic travel insurance is expensive. If you understand the need and benefits, it wouldn't seem expensive to you. There is an array of customisable plans available in the market. You can definitely choose a plan as per your requirements and affordability.

3. Complicated Process

   Gone are the days when the process of buying and renewing domestic travel insurance policies was cumbersome. Most of the travel insurance companies facilitate online purchase of policies and excellent post-sales assistance as well. Apart from buying and renewing your domestic travel insurance plan online, you can also file a claim online.

4. Claim Settlement

   Mostly, as a result of mis-selling domestic travel insurance plans, people face challenges in claiming the right amount when in need. To prevent this, you should:

   • Never rely blindly on the agent
   • Compare wisely and then buy
   • Read the domestic travel insurance policy documents carefully before investing
   • Buy your policy online so that you can be sure about the accuracy of the information that you provide

When Do You Need Domestic Travel Insurance Policy?

When you are planning to go on a trip within the country then you need to be insured with domestic travel insurance. The trip can be related to business, a solo or family holiday. Whatever your purpose for travelling, you will find a suitable plan.. You never know what kind of unforeseen incident might take place during your trip, so it is better to be insured than sorry.

Domestic Travel Insurance Eligibility

Any Indian travelling within the country is eligible to buy travel insurance. Any foreign national who is residing in India for work or other residency visas can also buy a domestic travel insurance plan.

The eligibility age for domestic travel insurance is usually between 18 to 65 years and varies from plan to plan. The coverage provided by the travel insurer depends upon numerous factors such as the destination you are travelling to, medical conditions, the duration of your trip and many more.