Travel Health Insurance

Travel Health Insurance: Sudden sickness or accident on a foreign land generating huge medical expenses can be dealt with travel health insurance. Find the best plans at policybazaar.com.

  • Travel Health Insurance at Affordable Rates
  • Compare Travel Health Insurance Plan
  • Best Travel Health Insurance Plan Online

Travel insurance travels along with you wherever you go. Travel insurance provides you protection against any contingency. Travel insurance ensures your safe trip and free of any worries. Travel insurance policy is a must to carry along with baggage and your travel documents as well. Travel insurance can be bought for a single trip as well for multiple trips. Health care costs have gone up a long way in India and it is too expensive in foreign countries. So, it is advisable to carry a sufficient travel health insurance while travelling abroad. The premium paid for buying overseas travel health insurance will be a small portion of the overall travel expenses especially when considering the medical maximum sum assured by insurance companies.

Travel Insurance with Medical Cover

Travel health insurance benefit travellers suddenly falling sick or meeting with an accident. Some travel insurance policies cover pre-existing illnesses as well on the payment of extra premium. The coverage of medical travel insurance focus on the medical expenses incurred in case of sudden illness or injuries during your trip. Travel health insurance provides both pre and post hospitalization expenses. It provides whole financial protection for medical treatment as well as cost of carrying a patient to the hospital by reimbursing ambulance charges. Medical travel insurance provides protection in case of temporary and permanent disability as well which can hinder future of the insured individual.

Read More About Importance of Medical Travel Insurance

Medical Travel Insurance Companies in India

Travel and health insurance is a booming sector in India. There are various public and private players providing travel and health insurance as well as medical travel insurance. Every insurer worth its salt is getting into the act, competing with its opponents to bring out plans that cover the most obscure risks imaginable. Various companies providing insurance are rolling out new plans to attract new customers. Below is the list of few of the travel insurance providers in the country.

  • United India Insurance Co Ltd.
  • HDFC ERGO General Insurance Co Ltd.
  • Reliance General Insurance Co Ltd.
  • TATA AIG General Insurance Co Ltd.
  • ICICI Lombard General Insurance Co Ltd.
  • National Insurance Co Ltd.
  • Bajaj Allianz General Insurance Co Ltd.
  • Star Health and Allied Insurance Company Limited.

Compare Travel Health Insurance Plans

It becomes difficult for an individual to select a travel insurance plan as there are lots of options available in the market. With market opening up and to capture market share, every player is introducing new plans every other day. So, in order to decide a travel insurance plan, one should compare plans that meet your eligibility. Comparison of health plans enables a person to find a cheaper plan with desirable and suitable plans.

Why should I buy travel insurance?

Ans:

Travel insurance provides protection to you and your loved ones in case you get sick or suffer an injury while travelling. It covers hospital expenses, emergency evacuation bills, lost baggage, flight cancellations and a long list of other costs which can add up to the tens of thousands. Travel insurance provides coverage to deal with unforeseen situations while in transit.

What If I forgot to carry my travel insurance?

Ans:

It is strongly advised to carry travel insurance during trips. In case you miss out the documents then you should have important details of your policy like policy number or customer ID number to avail its benefits.

Can I cancel a policy?

Ans:

Yes, are allowed to cancel your travel insurance only if you don’t undertake the journey covered by your insurance policy. You may have to submit a copy of your passport as a proof that no journey has been undertaken. Insurance companies normally refund premium subject to deductions made towards administrative costs.

What is single and multi-trip insurance?

Ans:

Single and multi - trip insurance depends on the frequency of your trips.

Single trip insurance - It stands valid for a single trip and only for a pre-defined number of days.

Multi-trip insurance - People who go on frequent personal or business trips should go for multi-trip insurance policy. With this insurance cover, you are secured for a maximum number of trips in a year and you don’t need to inform the insurance company about every trip.

How long does the insurance cover start?

Ans:
  1. For single trip- Insurance cover starts the moment you board the flight, bus or train.
  2. For multi-trip- This insurance plan is designed for frequent travelers. It offers coverage for multiple trips taken by an individual in a period of one year. Coverage per trip can be 30 or 60 days.

For how many days can I extend my overseas travel insurance?

Ans:

The policy can be extended for a maximum of 180 days. In any case, extension should not be more than 360 days. You can renew your plan online by filling a claim form before 7-10 days of the expiry of the current plan.

Can I buy travel medical insurance for my parents who are over 70 years?

Ans:

Yes, travel insurance can be purchased for senior citizens also. There are various insurance companies that offer travel insurance for people who are aged between 71-85 years.

What documents are required to make claim?

Ans:

For claim settlement, you need to fill the claim form and submit following documents-

    1. Bills/ Prescriptions/ vouchers/ reports/ discharge summary, containing name of the person treated, type of ailment, details of medical treatment and date of treatment.
    2. Prescription should clearly show medicines prescribed, price and the receipt stamp of the pharmacy. For dental treatment, bills/vouchers/reports must show the details of the tooth treated and treatment.
    3. For reimbursement of the costs incurred on transporting the mortal remains to India or the cost of burial abroad, it is required to submit an official death certificate along with the doctor’s statement giving the reason of death.
    4. For reimbursement of expenses incurred on transporting the insured person to India, a medical statement giving the cause of illness and the requirement of transportation should be submitted.
    5. To claim loss of baggage, an insured has to give the proof of value of articles.
    6. For personal liability, proof of judicial decision given by the court of law.
    7. For personal accident, bills/ vouchers/ reports/ discharge summary, death certificate, FIR, Post Mortem Report and other documents as applicable.

Any other document(s) that the company needs to process the claim.

How to avail cashless facility?

Ans:

When you buy a policy, you are given E-card by an insurance company. Please register yourself on the numbers mentioned on the E-card to avail treatment. Every insurance company has its authorized agency working abroad who settles all overseas claims. Usually, cashless benefits are available only for in-patient treatment and not for outpatient treatment.

Is student travel insurance mandatory?

Ans:

It is not mandatory in every country but yes, there are few countries which have made it compulsory. United States, France, Germany, Italy and Spain have made it mandatory for students travelling into their country to have a proper insurance plan.

Even if it is not obligatory, one should buy this cover in order to ensure a safe and happy stay in an unfamiliar country. Travel insurance helps students during medical contingencies, reimbursement on failure of presence during exams, etc.

Can I buy travel insurance from overseas for my parents who stay in India and are travelling to meet me abroad?

Ans:

Yes, you can buy travel insurance for your parents by using an international debit/credit cards. The soft copy of the policy is a valid legal document and proof of your travel insurance cover.

Who can buy travel insurance?

Ans:

Any individual above the age of 3 years and below 80 years (may vary as per plan) can be covered by travel insurance. It is mandatory that a trip should commence from India.

Why should I buy travel insurance online from PolicyBazaar?

Ans:

As an eminent insurance aggregator, PolicyBazaar is committed towards making your travel pleasant and hassle free. We give you a viable platform to compare travel insurance plans of different companies so that you choose the one that suits you best. When you buy online, you instantly get the policy. Moreover, our experts are available at 1800-103-3999 (Toll free) to address any query.

What is the minimum period for a domestic trip to be insured?

Ans:

Usually, travel insurance offers coverage to domestic trips as short as 1-4 days.

In what circumstances travel insurance claims will not be given?

Ans:

Here is a tabular representation of reasons when travel insurance claims might get rejected under the following broad heads:

Medical

Personal Liability

Personal Accident

Trip inconvenience

Pre-existing diseases

Claims arising out of unlawful acts

Pre-existing diseases

No claim will be entertained for loss/delay of baggage containing perishable items

Pregnancy and related treatment

If an insured was under the influence of drugs, alcohol at the time of incident

Pregnancy and related treatment

Delay due to custom official

Treatment which can be delayed till the insured returns to India

Employer’s liability

Accident occur while doing hazardous activities like parachuting, gliding, etc.

Baggage is delayed on arriving in India

Travelling against medical advice

Disputes between travel companions

Disability due to riots, stroke

Travel document is confiscated by custom official

Treatment for illness if medical help was the sole purpose of travelling

 

Suicide attempt

 

What is personal liability?

Ans:

Personal liability means when you unintentionally injure an unknown person in a fatal accident or you damage third party property. There are various insurance companies which are offering personal liability coverage also. Check your policy wordings to know the extent of coverage.

Do I have to undertake any medical test to buy travel insurance?

Ans:

You must check with the insurer and agent/or broker about medical tests that are required to be submitted along with the duly filled proposal form. Check the validity period of such reports also. Normally, medical reports within three to four weeks prior to departure are accepted. However, there are some companies like HDFC Ergo which doesn’t requires medical insurance up to 70 years.

Can foreign nationals be covered under travel insurance?

Ans:

Foreign nationals working in India with Indian employers of multinational companies and drawing salary in Indian currency can be covered.

What is trip cancellation travel insurance?

Ans:

It is a pre-departure coverage that reimburses you if due to some reasons your trip got cancelled. Some of the reasons of trip cancellation are natural disaster, injury, traffic accidents, assaults, illness, etc.

Will claims be settled on my return to India?

Ans:

Except in case of hospitalization, insurer will settle claims once the insured is back in India.

Is loss of passport covered?

Ans:

Yes, passport is covered in the insured policy. Also, expenses incurred towards the procurement of a duplicate/temporary passport are also covered under travel insurance policy.

Are ambulance charges covered under the policy?

Ans:

Under emergency medical expenses, charges incurred on ambulance services (to and from the hospital) are covered by insurance company.

What is medical repatriation?

Ans:

Medical repatriation means arranging transportation to move an insured to his/her country of residence following a medical emergency.

What is medical evacuation?

Ans:

Medical evacuation means arranging transportation to move an insured to the nearest hospital.

What are the benefits available under hijack distress allowance?

Ans:

If the common carrier in which an insured is travelling is hijacked, insurance company pays compensation to his/her family for fixed number of days.

Does travel insurance cover loss of credit card/cash?

Ans:

Travel insurance doesn’t cover loss of debit/credit card, cash, cheques and bank notes.

Can I get refund under travel plan if I cut short my travel?

Ans:

In case you cut short your travel, policies may or may not allow refund and this is subject to terms and conditions. Please check your policy wordings to know whether such provision is available or not.

Is my visa status sufficient to get overseas travel insurance?

Ans:

In most cases, your visa status would be sufficient to get overseas travel insurance.

Is emergency financial assistance available under travel insurance?

Ans:

Yes, emergency financial assistance is given to insured by the insurance company through its service provider. Financial emergency is a situation when a policyholder loses all his/her cash due to theft, robbery or mugging. Under this benefit, insured is given emergency cash up to the limit mentioned in the policy.

Can I avail cashless facility for hospitalization under travel insurance?

Ans:

Yes, insurance companies offer cashless facility for hospitalization under travel insurance.

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