Table of Content
What is Domestic Travel Insurance?
Domestic Travel Insurance is a type of insurance policy that provides cover against any unforeseen incidents such as loss of baggage, loss of passport, trip cancellation, medical emergency, and personal liability, etc. during domestic travel.
Insurers provide different plans with a different set of coverage to fit the policyholder’s needs. Domestic Travel Insurance has features such as anesthetic dental treatment cover, loss of travel ticket as well as emergency evacuation cost cover.
Why Buy Domestic Travel Insurance
Most people buy travel insurance when traveling abroad, but tend to ignore it when traveling within India. It's necessary to invest in a comprehensive domestic travel insurance plan to eliminate all financial risks and unwarranted medical expenses. Travel insurance policy will help you ensure a pleasant and relaxing journey and stay safe against all adversaries when traveling in your home country.
Domestic travel insurance covers medical emergencies, accidents, flight delays, cancellation, damage or loss of baggage, etc. Domestic Medical Travel Insurance comes packed with the assurance that you won't have to spend a fortune for medical treatment and hospitalization expenses in order to manage and cope with unforeseen hassles.
Features of Domestic Travel Insurance in India
- It covers the individual policyholder
- It is available only for the people above 18 years of age and below 65 years of age
- It is a cheap and hassle-free way to be prepared for eventualities when travelling in your own country
- It provides coverage against the loss of travel tickets and passport
- The coverage is offered for a period of one year and up to the limit of sum insured
- Covers the expenses due to the delay in flight and the missed connecting flight
- Provides a coverage for all the expenses incurred on repatriation and emergency evacuation costs will be covered
- Bears the loss or damage to someone’s property, that you are liable for
- Covers the emergency medical costs and expenses for anesthetic dental treatment
- Provides complete coverage against total loss of accompanied baggage
What are the Best Travel Insurance Companies in India for Domestic Travel?
Domestic travel insurance comes in handy to cover tour trips within the country. This policy provides comprehensive financial protection against travel-related risks leading to a financial emergency. When it comes to offering domestic travel insurance, the Indian insurers have introduced a range of plans at competitive premium rates. To name the best insurers:
|Aditya Birla Travel Insurance
- Loss of baggage cover
- Personal accident cover
- Delayed flights cover
- Medical Expense cover
|Bajaj Allianz Travel Insurance
- Cashless claim settlement
- No age limit
- Coverage for adventure sports (Optional)
|Bharti AXA Travel Insurance
||Domestic Travel Insurance
- Domestic roadside assistance
- Domestic medical assistance
- Hospitalization cover in case of Covid-19
|Cholamandalam Travel Insurance
||Domestic Travel Insurance
- Claim settlement within 30 days
- In case of delay in claim amount payment, insurer will be liable to pay 2% of interest above the bank rate
|Digit Travel Insurance
||Domestic Travel Insurance
- Delay in flight cover
- Delay in checked-in baggage Cover
- Trip cancellation cover
|Future Generali Travel Insurance
- Toll-free number to get road side assistance service
- Claim process starts within 30 days
|Tata AIG Travel Insurance
||Tata AIG Domestic Travel
- Covers for accidents
- Travel assistance
- Personal liability
- Emergency family travel
|Universal Sompo Travel Insurance
||Domestic travel insurance
- Assistance provided during covered emergencies
- Burglary is covered
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Disclaimer: *Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
Explore Types of Travel Insurance
Domestic Travel Insurance Inclusions
Majorly all the insurers provide a medical or accident cover, cancellation or delay cover, and lost or damaged baggage cover. These travel insurance covers are useful especially when your flight is unduly delayed due to any reasons or when you are travelling with valuable or expensive assets in your baggage.
There are also various covers, such as covers for that particular trip, family covers, or frequent business covers available in the market Let us look at some commonly provided covers under domestic travel insurance:
Medical or Accident cover
This cover helps to deal with the expenses incurred due to medical emergencies or accident during the trip. This cover is extremely beneficial; especially if you do not have a medical cover or have one, but with a limited cover.
Flight cancellation or delay
From unpredictable weather conditions to technical glitches, there can be numerous reasons for a flight delay. Along with being troublesome, it can also cause additional burden on your shoulders due to a missed connecting flight. In such circumstances, the insurer covers you against the expenses incurred due to the delay or cancellation.
Although most of the airlines have policies to provide compensation for the lost baggage, still the loss of baggage in transit is a fear of every traveler. In such circumstances, lost baggage cover under this 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 value.
This is a newly introduced cover that is not offered by many but some insurers. It provides coverage against accidental damage to a third party's property and is your liability. This type of cover is especially beneficial if you are travelling with kids.
Domestic Travel Insurance Exclusions
Besides understanding what all is covered under domestic travel insurance, it is also important to know the exclusions.
Domestic travel insurance does not provide coverage for any pre-existing medical criticalities and related complications. Any form of self-inflicted illness or injury, suicide attempt, non-adherence to medical advice of the doctor, and HIV/AIDS are also not covered under the policy. Situations arising out of an act of terrorism or war are also excluded.
Any harm to the insured due to drugs abuse, the influence of alcohol, and voluntary participation in hazardous activities and criminal acts is also not covered under this travel insurance plan.
- Non-medical expenses are not covered in domestic travel insurance.
- If the insured is traveling against his/her doctor’s advice
- If traveling for medical treatment or detected with a terminal ailment
- The accident caused due to the consumption of alcohol or drugs
- Self-initiated harm, suicide, Sexually Transmitted Diseases, mental disorder like stress, anxiety, depression etc.
- If the insured is a member of Armed Forces and has not mentioned it earlier
- If the insured is a part of any criminal activities, civil commotion, riot etc.
- Any damage happened due to the participation in adventure activities or water sport, mountaineering, bungee jumping, scuba diving, race, hang gliding etc.
- No insurance is offered for the damage due to caving, hunting, horse-riding, surfing, rafting, canoeing, underwater sports etc.
Things to Remember While Traveling In India
Travelling within the country does not make you immune to unforeseen incidents that may cause loss or damage. This is why it is recommended to purchase a domestic travel insurance plan so that you stay covered for several things like loss of baggage, flight delay, trip cancellation, etc. Also, plan ahead of your journey and purchase domestic travel insurance from the right insurer that fulfills all your requirements. Since flight delays can keep you from reaching your destination on time that can cause you some kind of loss hence there are insurers out there providing you cover for situations like this.
Important Points to Note Before Buying Domestic Travel Insurance
There are several important points to note before buying domestic travel insurance plan. They are as follows:
- Explore different plans before settling for one
- Book your domestic travel insurance before you book you flight tickets.
- Make sure that the insurance plan provide cover for the things you require
- Make sure to inform about the pre-existing medical conditions
- Check the insurers that provide multi-trip domestic travel policies
- Check the feedbacks of the customer online
Myths about Domestic Travel Insurance Policy
People often do not realize the necessity of travel insurance and consider it as a block on their liquidity. There are many misconceptions that prevent people from investing in domestic travel plans in India.
Mentioned below are a few myth busters to make you understand the need and importance of domestic travel insurance.
People usually have a misconception about not having a need of travel insurance if their flight duration is small. Miss happenings or emergencies 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 with your flight duration. Buying travel insurance is the only way to face and tackle these circumstances. An appropriate travel insurance plan can be your financial support in such circumstances and save you from stress.
As misinterpret by most people, domestic travel insurance is not expensive. If you understand the need and benefits, it wouldn't seem expensive to you any further. The best part being, nowadays you have numerous insurers and an array of customizable plans available in the market. You can definitely choose a plan as per your requirements and affordability.
Gone are the days when the process of buying and renewing insurance policies was cumbersome. Most of the insurance companies facilitate online purchase of policies and excellent post-sales assistance as well. Apart from buying and renewing your plan online, you can also file a claim online.
Mostly, as a result of mis-selling, people face challenges in claiming the right amount when in need. To prevent the same you should:
- Never rely blindly on the agent
- Buy your policy online so that you can be sure about the accuracy of the information that you provide
- Compare wisely and then buy
- Read the policy documents carefully before investing
When Do You Need Domestic Travel Insurance?
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, solo or family holiday, you can consider purchasing a domestic travel insurance plan. You never know what kind of unforeseen incident might take place during your trip so it is better to be insured than sorry.
Eligibility for Buying Domestic Travel Insurance Policy
Any Indian travelling within the country is eligible to buy travel insurance. Any national from another country, traveling in India or working with a permit in India can also buy this travel plan. Some of the major providers of travel insurance policies in India are Bajaj Allianz Travel Insurance, Tata AIG Travel Insurance and many more.
The eligibility age is usually between 18 to 65 years and varies from plan to plan. The coverage provided by the insurer depends upon numerous factors such as you're the destination you are travelling to, medical conditions, the duration of your trip and many more.
Buying the best domestic travel insurance in India is certainly a necessity; because all the while you travel you are surrounded by risk and uncertainties.
How to Claim Your Domestic Travel Insurance
You can claim your travel insurance by following a few simple steps. Some insurance companies offer instant settlement over the phone while others may require you to fill out a claim form, produce relevant documents, witness and so on. The claim process for domestic travel insurance depends on the type of claim and how you present it.
We advise, keep it straight to cover the payment. The best part is that with the Internet booming so fast, you can make a claim online as well as offline, i.e. by visiting your insurer's office.
Let's take an example of flight cancellation or delay. A flight delay is the most annoying situation that you may face during your travel and may lead to an extra financial burden on you as you miss the connecting flights and hotel accommodations, or sometimes, important business meets. Buying another ticket is not everyone's cup of tea all of a sudden.
Here, travel insurance comes to your rescue. The insurer recompenses the entire interruptions, provided you have to produce a valid proof of your claim or a certificate from the airline that you were supposed to travel, validating your claim.
How Does PolicyBazaar Help You?
Buying domestic travel insurance from PolicyBazaar is beneficial:
- Compare insurance quotes to make an ideal choice
- You can choose a plan in accordance with your key requirement
- Policy benefits and coverage can be fully transparent
- Quick comparison of various features of various plans concurrently
- Effortlessly buy the most efficient policy as per your needs
- Easy and quick online insurance shopping
- Assurance of safety and end-to-end assistance
Domestic travel insurance not only provides safety assurance in terms of finance but also provides peace of mind. PolicyBazaar provides you with a global platform to make an efficient choice and that too within your budget.
Ans: A vacation is a great escape from your day to day ordinary life. When you’re away from home in a new city, where you don’t know anyone or you’re unaware of the language they speak, what will you do apart from feeling helpless if you get in any trouble? If you have a domestic travel insurance plan, you don’t have to worry about anything. You can travel anywhere in the country without any tension. Your insurance policy does take care of the troubles you may come across.
Ans: Your insurance coverage starts from the day you start travelling and is valid until you return to the city of origin or up to 30 days (whichever is earlier). The end date of your insurance plan is to be confirmed accordingly and it will be mentioned on your domestic travel insurance policy document as well.
Ans: You can buy a domestic travel insurance plan for your trips of the duration of up to 30 days.
Ans: A majority of insurance providers doesn’t cover pre-existing illness.
Ans: In case of a medical emergency, you can contact the helpline number of your insurance provider or you can send an e-mail to its official e-mail address.
Ans: In order to process your travel insurance claim, you need to provide various documents that play a vital role in the processing your travel insurance claim. You need to provide original medical reports, invoice /receipts FIR report etc. These documents vary with the domestic travel insurance plans. When you will file a claim under a specific domestic travel insurance plan, the customer care executive will update you regarding the required documents.