Accidental & sickness medical expenses
Baggage Delay/ Loss
Trip Delay / Cancellation
Passport Loss
Emergency Medical Evacuation
Missed flights
Medical expenses
Passport Loss
Study interruption
Bail Bond , Personal Liability
Trip Delay / Cancellation
Compassionate visit
No medical tests
Instant policy

Travel Health Insurance

Travel Health Insurance or Travel Medical Insurance provides coverage to overseas travellers from any medical contingencies or emergency evacuations abroad. It is also referred to as international travel insurance, international medical insurance or worldwide medical insurance across the globe.

What is Travel Health Insurance?

 A medical emergency can occur at any point of your overseas trip. It is no brainer that cost of healthcare abroad is way more than that in India. If you get hospitalised abroad for something as common as viral fever, it can cause a big dent on your trip budget. This is where Travel Health Insurance comes in.

Travel Medical Insurance is a variant of travel insurance policy that covers the insured traveller against any medical contingencies during their trip. It will protect you from any unforeseen medical emergencies, such as hospitalization due to accident or illness that may create a financial burden. It will also assist you in accessing healthcare services if you get stuck somewhere during your trip.

In short, a Travel Health Insurance takes care of your safety and makes sure that you travel stress-free. Regardless of your age and whether you are travelling for vacationing or for business, you can buy the best travel medical insurance in India.

Key Features of Travel Health Insurance in India

  • Provides cashless hospitalization facility
  • Available for occasional travellers and frequent flyers
  • 24x7 medical assistance

Types of Travel Health Insurance

Broadly, a Travel Health Insurance policy can be divided into two types:

Single Trip Travel Health Insurance

If a traveller purchases Travel Medical Insurance for a single trip, then it can be referred to as a Single Trip Travel Health Insurance. This type of insurance begins with the commencement of the trip and ends as soon as the traveller returns back home.

Multi-Trip Travel Health Insurance

A Multi-Trip Travel Health Insurance policy provides coverage to the insured traveller for multiple trips. This type of insurance is usually taken for a policy term of one year. However, the duration of each trip is limited to 30/ 45/ 60 days as per the insurance company.

Travel Health Insurance Coverage

A travel medical insurance policy protects overseas travellers against the following adversities:

Medical Illness Treatment

Any emergency medical expenses that the insured traveller may incur on the treatment of a sudden illness during his trip will be covered under the travel medical insurance policy. It will include both daycare expenses as well as hospitalization expenses.

Personal Accident

If the insured meets with an accident during his trip, this insurance policy will bear the treatment expenses. It will also provide compensation in case the insured suffers from any partial or permanent disability due to the accident injury.

Emergency Medical Evacuation

A travel health insurance policy will come to the rescue of the insured traveller in case he needs to be evacuated urgently to a nearby hospital and covers the transportation cost involved.

Emergency Dental Treatment

If the insured traveller takes any treatment for emergency dental pain relief during his trip, then he will be covered by the insurance provider.

Hospital Daily Cash

In case the insured traveller gets hospitalized for more than a certain number of days, he will be eligible to receive an allowance to cover day-to-day expenses in the hospital.

Delay/ loss of Check-in Baggage

If the check-in baggage of the insured is delayed or misplaced by the scheduled airline, the insurance provider will reimburse the expenses incurred and provide compensation for the losses incurred.

Additional Coverage of Travel Health Insurance

A handful of insurance companies in India offer other kinds of coverage under Travel Medical Insurance. While some insurers may offer these cover under basic coverage, other insurance companies may provide these covers on the payment of the additional premium amount. Take a look at some of the additional covers under a Travel Health Insurance policy:

Pre-Existing Diseases Cover

In case the insured traveller takes medical treatment for any pre-existing diseases or medical condition, the treatment expenses will be incurred by the insurance provider under this cover.

Flight Delays

If the scheduled flight of the insured traveller gets delayed for more than a specified number of hours, then the insurer will compensate him for any losses incurred under the Travel Health Insurance policy.

Personal Liability

In case a legal liability is imposed on the insured traveller during his trip, this cover will enable the insurance company to pay for it on behalf of the insured.

Exclusions of Travel Health Insurance

Most Travel Medical Insurance policies do not cover the following events or situations:

  • Travelling Against Medical Advice - If the insured is travelling against his doctor’s advice, then the insurance company will not pay for any medical expenses incurred during the trip.
  • Pre-Existing Diseases - Most insurance companies do not provide coverage against any pre-existing medical condition or illness under Travel Health Insurance.
  • Consumption of Intoxicants - Any medical expenses incurred on the treatment of an illness or injury arising due to the consumption of intoxicants such as alcohol and drugs will not be covered.
  • War or Civil Unrest - Any injury or illness of the insured traveller resulting due to events such as war, an act of war, protest, strike, terrorism, etc. will not be covered under travel medical insurance policy.
  • Cosmetic Treatment - No medical expenses incurred on cosmetic treatment and surgery will be covered by the insurance provider.
  • Sexually Transmitted Diseases and HIV AIDS - If the insured traveller receives treatment for any sexually transmitted diseases or HIV AIDS while travelling, the expenses incurred will be excluded under this policy.
  • Self-Inflicted Injury - In case the insured traveller takes medical treatment for any self-inflicted injuries such as suicide or attempt to suicide, it will not be covered by the Travel Health Insurance policy.
  • Alternative Treatment - If the insured traveller receives treatment through Ayurveda, Homeopathy, Siddha and Unani during his trip, then the insurance provider will not cover the expenses incurred.
  • Adventure Sports - Most insurance companies do not cover any expenses incurred on the treatment of any injury or illness arising due to participation in adventure sports activities such as rafting and skiing during the trip.
  • Mental Disorders - If the insured travellers take treatment for any medical disorders such as anxiety, depression, etc. during the trip, then the medical expenses incurred will not be covered under the Travel Medical Insurance policy.

Benefits of Travel Health Insurance

Travelling can be quite uncertain. With the change in climate and exertion involved, the chances of the traveller getting ill increases leaps and bounds. Travel Health Insurance benefit travellers who unexpectedly fall sick or meet with an accident during their trip. Here are some of the ways through which a Travel Medical Insurance policy can benefit a traveller:

Emergency Medical Expenses

If the insured travellers get ill or meet with an accident and require hospitalization, his Travel Health Insurance policy will cover all the expenses incurred on his treatment. It covers both pre and post hospitalization expenses as well as the cost of transporting the patient to the hospital by reimbursing the ambulance charges. Moreover, Travel Medical Insurance provides compensation if the insured suffers from temporary or permanent disability.

Medical Assistance at Remote Areas

This type of insurance can turn out to be quite useful if you are travelling to a remote area with poor healthcare services. Your insurer will evacuate you to the nearest hospital in case you require emergency medical assistance. 

Coverage for Each Traveller

No matter where a traveller is going and for what purpose, a Travel Health Insurance covers all kinds of travellers. From individuals to families and senior citizens to students, every traveller can opt for protection under this travel insurance policy. Even people who travel frequently to different places are protected.

Travel Stress-Free

Travelling can get quite stressful if someone gets ill or injured in an accident. However, people with Travel Medical Insurance can travel without a worry as they are covered for any unforeseen medical emergency under the policy.

Travel Health Insurance Companies in India

Travel insurance and health insurance are booming sectors in India. There are various public and private companies providing travel insurance, health insurance as well as Travel Medical Insurance. Various companies providing Travel Health Insurance are rolling out competitive plans with a range of coverage to attract new customers. Take a look at the list of some of the leading travel insurance providers in the country.

  • Bajaj Allianz Travel Insurance
  • HDFC ERGO Travel Insurance
  • Religare Travel Insurance
  • HDFC ERGO Health (formerly known as Apollo Munich) Travel Insurance
  • SBI Travel Insurance
  • TATA AIG Travel Insurance
  • IFFCO Tokio Travel Insurance
  • Reliance Travel Insurance
  • Future Generali Travel Insurance
  • Bharti Axa Travel Insurance

How to Buy Travel Health Insurance?

A Travel Health Insurance policy can be purchased both online and offline. People who want to buy travel insurance offline can visit the nearest branch of the insurance company or contact one of its agents. People who want to buy travel health insurance online can follow the steps given below:

  • Visit the official website of the travel insurance company
  • Select the plan you want to buy
  • Fill in the online application form with the required details such as travel dates, destination, etc.
  • Pay the premium amount
  • You will receive the soft copy of your policy document

Claim Procedure for Travel Health Insurance

The claim procedure for buying the best Travel Health Insurance policy is similar to that of a travel insurance policy. Follow the steps given below to register a claim under your Travel Medical Health insurance policy:

  • Inform the insurance company or the assistance provider about your hospitalization through phone or email
  • Arrange documents that you need to submit in support of your claim, including the claim form
  • Submit all the documents to your insurance provider via post, email or fax
  • The claims team will verify your claim and make the payment

Cashless claims can only be made if the insured gets hospitalized at one of the network hospitals of the insurance company. After receiving the treatment, the insurer will settle the bill directly with the network hospital.

How to Renew Travel Health Insurance Policy?

A Travel Health Insurance policy comes with renewability option. In case the insured decides to extend his trip and wishes to stay covered against any unforeseen medical expenses, he/ she can renew his policy. Just make sure to renew the existing policy before it gets expired.

The insured traveller can renew a Travel Medical Insurance policy both online and offline. Offline policy renewal would need him to visit the nearest office of his insurance provider or contact his insurance agent.

People who want to renew their Travel Health Insurance online can follow the steps given below:

  • Visit the official website of the insurance provider
  • Enter the details of the existing policy such as policy number
  • Pay the premium amount
  • The renewed policy will be sent to the policyholder

Compare Best Travel Health Insurance Plans

It can get very difficult for an individual to select the best Travel Health Insurance plan as there are lots of options available in the market. Therefore, the best way to find the most suitable Travel Medical Insurance is by comparing various plans offered by different companies. This will help you to find an ideal plan for yourself which will provide the best coverage at an economical rate. You can compare different travel health insurance policies at websites such as Policybazaar.


    • Q: Am I required to undergo any medical examination prior to buying a plan?

      Ans: No, there is no medical check-up needed up to the age 65 or 70. However, age limit may differ insurer to insurer.
    • Q: Can I buy travel insurance with a pre-existing condition?

      Ans: Mostly, pre-existing health conditions are not covered. But this doesn’t mean that you can’t take up a plan. It is just that any claim arising related to that illness will not be accepted.
    • Q: Can I buy travel insurance even after booking a flight?

      Ans: Good news is that you can even buy a travel plan after your flight tickets are booked and until your actual travel date doesn’t arrive.
    • Q: Which is the best travel health insurance?

      Ans: There are several good travel insurance companies in India. Take a look at the best medical travel insurance companies in India:

      1. Aditya Birla Travel Insurance

      2. Bajaj Allianz Travel Insurance

      3. Bharti AXA Travel Insurance

      4. Cholamandalam Travel Insurance

      5. Digit Travel Insurance

      6. Future Generali Travel Insurance

      7. HDFC ERGO General Travel Insurance

      8. HDFC ERGO Health Travel Insurance

      9. IFFCO Tokio Travel Insurance

      10. National Insurance Travel Insurance

      11. New India Assurance Travel Insurance

      12. Oriental Travel Insurance

      13. Reliance Travel Insurance

      14. Religare Travel Insurance

      15. Royal Sundaram Travel Insurance

      16. SBI Travel Insurance

      17. Shriram Travel Insurance

      18. Star Travel Insurance

      19. Tata AIG Travel Insurance

      20. United India Travel Insurance

      21. Universal Sompo Travel Insurance

      Disclaimer : *Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
    • Q: Is travel insurance and health insurance the same?

      Ans: Travel insurance is not the same as health insurance. However, travel medical insurance is very similar to travel insurance. Travel medical insurance covers only unforeseen medical emergencies and expenses incurred during the trip. Unlike travel medical insurance, a travel insurance policy covers the insured traveller for all adversities during his trip related to travel, health and finances.
    • Q: How much does travel health insurance cost?

      Ans: Are you wondering how much does travel medical insurance cost? Well! The cost of a medical travel insurance policy depends on multiple factors such as the age of the traveller, the purpose of travel, coverage opted, etc. The costs of many travel medical insurance policies begin at around INR 650 for the entire trip. It can also be paid on a per day basis.
    • Q: Can I buy travel insurance for my aged parents?

      Ans: Yes, you can. There are many insurers who offer travel insurance for senior citizens, aged between 65-70. However, compare the plans on parameters such as inclusion of pre-existing illness or other benefits.
    • Q: Does travel insurance cover medical insurance?

      Ans: Yes. Travel insurance policies provide medical insurance benefits to the insured traveller during his trip. It offers medical coverage to the insured while travelling, which includes emergency medical expenses, dental expenses, medical evacuation cover, etc.
    • Q: Am I required to undergo any medical examination prior to buying a plan?

      Ans: No. Most travel medical insurance plans do not require the insured to undergo a medical check-up untill the age of 65 or 70 years. However, the age limit may differ from one insurer to another.
    • Q: Can I buy travel medical insurance with a pre-existing condition?

      Ans: Mostly, pre-existing health conditions are not covered under a travel medical insurance policy. But this doesn’t mean that you can’t buy this policy. It just means that any claim arising out of a pre-existing illness will not be accepted. However, few companies offer add-on cover for pre-existing diseases.
    • Q: Can I buy travel medical insurance even after booking a flight?

      Ans: Yes. You can buy a travel medical insurance plan after your flight tickets are booked unless your actual travel date doesn’t arrive.
    • Q: Can I buy travel medical insurance for my aged parents?

      Ans: Yes. There are many insurance companies who offer travel medical insurance for senior citizens, aged between 65-70 years. You can compare different plans on parameters such as pre-existing illness to find the most suitable plan for yourself.
Written By: PolicyBazaar - Updated: 05 June 2020
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
Average Rating
(Based on 13 Reviews)
Travel Health Insurance Reviews & Ratings
4.5 / 5 (Based on 13 Reviews)
(Showing Newest 13 reviews)
Habra, January 29, 2021
Personal Accident Cover
I was told by the Policybazaar team that any personal accident during the trip will be covered. I compared different plans on their site and secured my trip with travel health insurance in ten minutes. Kudos! So convenient!
Tajapur, January 29, 2021
Single Trip Cover
I was not sure which travel health policy to buy. It was Policybazaar’s team that helped me secure my trip to Dubai. Thank you guys!
N.paravur, January 29, 2021
24*7 Medical Assistance
Policybazaar travel health insurance team is awesome. They help me at the time of purchase, renewal and even claims.
Trichy, January 29, 2021
Frequent traveller
I travel frequently and during COVID pandemic, it was Policybazaar who helped me buy a travel health insurance policy online. They helped me select the right policy and I was able to buy it online with my debit card.
Adalaj, April 07, 2020
Best way to secure your trip
Travel insurance is very important on a trip. I realised this when I lost my luggage and got compensation because of the travel insurance. Thank you Policybazaar.
Jotana, April 06, 2020
The claim settlement was delayed, however, Policybazaar helped me through it. Rest all was good. I got the settlement amount as promised.
Akbarpur, March 30, 2020
Good platform
Getting the travel health insurance was so easy. Services are good, not sure about claim process as I did not have to claim.
Abu Road, March 25, 2020
Amazing customer service
Policybazaar has the best customer support I have ever experienced. Great efforts put in by the executive when I had to get the claim settlement.
Adapada, March 24, 2020
Unbeatable prices
Policybazaar gives the lowest prices on travel insurance. It is most affordable and provides best cover.
Kodad, December 16, 2019
I found the best prices for travel health insurance on Policybazaar. I checked online and offline at a few other options too, but found the best prices here.
Milak, December 11, 2019
Very quick.
It took me just a few minutes to purchase the insurance and I also received the soft copy of the policy shortly. Fastest insurance I’ve ever done.
Maanikpur, December 09, 2019
Saved lakhs
My mom fell from stairs and had a fracture while we were out on a trip to Singapore. I would have had to shed lakhs had I not taken the travel health insurance.
Rabanaguda, December 06, 2019
Very helpful
Policybazaar displays the inclusions and exclusions of the insurance providers very clearly which made it very easy for me to choose the best I required. Thanks a lot.