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Travel Insurance UK
Travel Insurance UK is an insurance policy that has been specially designed for people travelling to the United Kingdom. It protects a traveller from any unforeseen events or situations that may cause him financial burden or interrupt his trip to the UK.
A travel insurance UK plan is designed in a way that it protects the insured traveller against any unfavourable situations faced during his trip to the United Kingdom. For example, if people travelling to the UK often face flight delays, then travel Insurance from India to the UK is likely to offer flight delay cover.
Only people who are bound to take a trip to the United Kingdom can buy a travel insurance UK plan. Since the United Kingdom comprises of England, Wales, Scotland and Northern Ireland, people travelling to one or more of these countries can purchase the best travel insurance UK plan to stay protected during their trip.
However, people planning to travel to the United Kingdom should make sure to obtain a valid UK visa in order to get an official entry inside this European country.
Key Features of Travel Insurance UK
A travel insurance plan for the UK aims to help foreign nationals travelling to the United Kingdom in case he faces any unforeseen adversities that may hamper his travel plans and affect him financially. Most travel insurance from India to the UK comes with the following key features:
Coverage for All
Travel insurance from India to the UK is available for people of all ages. This is because most insurance companies in India offer this plan to people between the age group of 3 months to 85 years.
No Pre-Policy Medical Check-up
People who want to buy a travel insurance UK plan do not have to undergo a medical check-up before buying it. Most insurance companies offer this plan without any pre-policy medical check-up for people up to a certain age limit.
Cashless Hospitalization Available
Travel Insurance UK comes with cashless hospitalization facility. This means medical treatment expenses will be settled directly by the insurance company if the treatment was taken in one of its network hospitals.
Coverage for Up to 180 Days
A travel insurance UK plan covers the insured traveller from any adversities for up to a period of 180 days.
Baggage Insurance
Travel insurance from India to the UK also offers the benefits of baggage insurance by covering any delays or losses/ damages caused to the traveller’s accompanied luggage.
Offers Policy Extension
In case the insured traveller is required to extend his trip to the United Kingdom, he can also get his travel insurance UK policy extended for another 180 days as per his requirements.
Types of Travel Insurance UK
There are two types of travel insurance UK plans available in the market on the basis of the frequency of the applicants travel to the United Kingdom. It includes:
Single Trip Travel Insurance
A single trip travel insurance UK plan is meant for people who will be travelling to the United Kingdom for a single trip only. This type of insurance is best suited for people who are travelling to the United Kingdom for tourism, meeting friends & families and to study.
Multi-Trip Travel Insurance
A multi-trip travel insurance UK plan is designed for frequent flyers that travel to the United Kingdom multiple times in a year. This type of insurance is suitable for business travellers, travel bloggers and people whose family stay in the UK.
Benefits of Buying Travel Insurance UK Plan
The United Kingdom is one of the most beautiful countries in the world. From the beautiful London Bridge and the majestic Buckingham Palace to the mesmerizing highlands of Scotland, foreign tourists are in for a treat while visiting the UK. But the beauty and charm of the UK do not immune a traveller from facing an unpredictable medical, financial or travel emergencies. Only people with a travel insurance UK plan can stay protected from such uncertainties and can enjoy their trip without any stress.
Take a look at some of the reasons why a traveller should buy travel insurance from India to the UK for his trip to the United Kingdom:
Expensive Healthcare Cost in the UK
Healthcare in the United Kingdom is very expensive. If unfortunately the applicant gets ill or meets with an accident during his UK trip, the treatment expenses will burn a big hole in his pocket. It might also upset his travel budget forcing him to cut short his trip. However, travel insurance UK plan will cover all medical expenses of the insured traveller without affecting his finances.
Round the Clock Emergency Assistance
The possibility of facing an emergency in a foreign country, that too in the middle of the night, can land a foreigner in some major problems. But if the traveller has a travel insurance UK plan, he can avail emergency assistance at any time of the day and night.
Cashless Hospitalization Facility
If a traveller gets admitted in the United Kingdom during his trip, he will face an additional financial burden of paying the bills. But people with travel insurance for the UK do not have to worry about it if they get admitted in one of the network hospitals of his insurer. This is because the insurance company will settle the bill directly with the network hospital in a cashless manner.
Travel-Stress
Travelling in an unknown country can be intimidating. A foreigner has to be alert at all times to evade any unfavourable situation, which in turns curbs his enjoyment on the trip. However, people with a valid travel insurance UK plan can enjoy their trip to the United Kingdom without any stress or worries.
Travel Insurance UK Coverage
Most insurance companies in India offer the following list of coverage under their travel insurance UK plans. They include:
Personal Accident
If the insured meets with an accident and sustains injuries during his UK trip, then his insurance company will cover his treatment cost
Emergency Medical Expenses
Any expenses incurred towards the treatment of an emergency medical illness in the United Kingdom will be covered under this travel insurance UK policy
Medical Evacuation Expenses
In case the insured traveller needs to be medically evacuated to a nearby hospital, then his travel insurer will arrange it and cover the cost of road/ air ambulance services
Hospital Daily Cash Allowance
If the insured traveller gets admitted in a UK hospital for the treatment of medical illness or accidental injury, his insurer will give him a lump sum amount to cover day-to-day hospital expenses under the travel insurance UK plan
Medical & Body Repatriation
If an unfortunate incident in the UK results in the death of the insured traveller, the insurance company will arrange for his funeral and transport his mortal body back to his country of residence
Emergency Dental Expenses
Travel insurance from India to the UK will cover any expenses incurred on the dental treatment for acute pain relief taken during the insured’s trip to the UK
Accidental Death
In case an accident in the UK leads to the death of the insured, his travel insurer will pay a lump sum amount to his kin
Permanent Disablement
If an accident of the insured traveller during his UK trip results in permanent disability, the insurance company will pay a lump sum amount as compensation
Loss of Check-in Baggage
In case the check-in baggage of the insured is misplaced by the airline with which he flew to the United Kingdom, then his insurer will compensate for all the losses
Loss of Passport
If the insured traveller loses his passport after arriving in the UK, the insurance company will cover actual expenses incurred in obtaining a duplicate or new passport
Delay in Check-in Baggage Delivery
In case there is a delay in the delivery of the insured’s check-in baggage due to the negligence of the airline with which he travelled to the UK, then his insurer will reimburse the emergency expenses incurred on buying crucial items such as medicines, toiletries, etc.
Loss of Baggage & Personal Documents
Travel insurance from India to the UK covers the expenses incurred due to the loss of personal documents and baggage of the insured
Personal Liability
The insurance company will cover any personal liability of the insured traveller if he is legally liable to pay for the losses caused to the third party people/ property during his UK trip
Trip Delay
Any losses incurred by the insured due to an unexpected delay in the commencement of his UK trip will be covered under this policy
Flight Delay
If the scheduled flight of the insured traveller gets delayed, then his insurer will reimburse all losses that he may have to suffer as a consequence
Trip Cancellation
In case the insured has to cancel his UK trip due to some unavoidable circumstances, then his insurance company will reimburse all the losses he may incur on flight bookings, hotel bookings, etc.
Emergency Hotel Extension
If the insured is required to extend his hotel accommodation due to a flight delay or cancellation, then his insurer will reimburse all the expenses incurred
Financial Emergency Assistance
Travel insurance UK plan provides emergency financial assistance in case the insured traveller loses all his money due to robbery, theft, etc.
Hijack Distress Allowance
If unfortunately the insured’s flight to the United Kingdom gets hijacked, his insurer will provide compensation for the distress caused to him
Hotel Accommodation
In case the insured traveller is required to stay in the UK for a few more days in order to recover from his medical illness/ accidental injuries, then his insurance company will cover the cost of his hotel accommodation
Political Risk and Catastrophe Evacuation
In case a political risk or catastrophe occurs in the United Kingdom, then the insurance company will pay the cost of emergency evacuation of the insured back to his home country
Compassionate Visit
Travel insurance UK plan covers the transportation cost of a family member of the insured if he gets admitted to a hospital in the UK for a long period of time
Home Insurance
Travel insurance from India to the UK also provides home insurance that covers any losses suffered by the insured due to fire or burglary at his house back in his country of residence
Additional Coverage by Travel Insurance from India to UK
Value-Added Services for Dependents
A couple of travel insurance companies in India also offer value-added services to the dependents of the insured back in his home country. These services may include medical concierge services, automotive assistance services and lifestyle services.
Exclusions of Travel Insurance from India to UK
Certain unforeseen situations and expenses are not covered by travel insurance from India to the UK. Take a look at some of the most common exclusions of travel insurance UK plans:
Breach of Law
If the insured suffers a loss due to breaking a law of the United Kingdom then he will not be covered under this travel insurance policy
Consumption of Intoxicating Substances
Any expenses or losses incurred by the insured because of consuming intoxicating substances such as alcohol and drugs during his UK trip will not be covered by his travel insurance plan
Pre-existing Condition/ Diseases
Travel insurance from India to the UK does not cover any expenses arising out of a pre-existing disease or medical condition of the insured traveller during his trip
Cosmetic and Obesity Treatment
Any expenses incurred by the insured on taking treatment for obesity or cosmetic surgery in the UK will not be covered under this policy
Self-Inflicted Injury
Travel insurance UK plan does not cover any expenses incurred by the insured for the treatment of a self-inflicted injury caused during his trip to the United Kingdom. Self-inflicted injuries include suicide as well as an attempt of suicide
Adventure Sports
In case the insured traveller suffers a loss or incurs medical expenses due to participation in adventure sports activities during his UK trip, then his insurance company will deny his insurance claim arising out of it
How to Buy Travel Insurance UK Online?
A travel insurance UK plan can be purchased online on the website of an insurance company or through an insurance aggregator. An insurance aggregator such as Policybazaar.com allows the traveller to compare the travel insurance plans offered by different insurance companies in India. Once the plan has been selected, you can fill up the proposal form and pay the premium amount online to purchase travel insurance from India to the UK.
Best Travel Insurance UK Plan in India by Top Insurance Companies
Several insurance companies in India offer some of the best travel insurance UK plans. Those who are planning to undertake a trip to the United Kingdom can buy travel insurance from India to UK from one of the following insurance providers in India:
- Aditya Birla Travel Insurance
- Bajaj Allianz Travel Insurance
- Bharti AXA Travel Insurance
- Cholamandalam Travel Insurance
- Digit Travel Insurance
- Future Generali Travel Insurance
- HDFC ERGO General Travel Insurance
- HDFC ERGO Health Travel Insurance
- IFFCO Tokio Travel Insurance
- National Insurance Travel Insurance
- New India Assurance Travel Insurance
- Oriental Travel Insurance
- Reliance Travel Insurance
- Religare Travel Insurance
- Royal Sundaram Travel Insurance
- SBI Travel Insurance
- Shriram Travel Insurance
- Star Travel Insurance
- Tata AIG Travel Insurance
- United India Travel Insurance
- Universal Sompo Travel Insurance
Disclaimer : *Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
Countrywise Travel Insurance Information for Indians
FAQ's
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Q:Which travel insurance covers the UK?
Ans: All travel insurance UK plans offered by various insurance companies in India cover an insured traveller from any adversities faced during his trip to the UK. -
Q:Do I need travel insurance for the UK?
Ans: As per the current guidelines, it is not compulsory for foreign travellers to obtain a valid travel insurance UK plan in order to visit the United Kingdom. However, you are advised to purchase travel insurance from India to UK to stay covered from any adversities that may interrupt your trip to the UK. -
Q:Do visitors to the UK need medical insurance?
Ans: No. It is not mandatory for foreign visitors to obtain medical insurance for the UK. Medical insurance is mandatory for visiting Schengen countries, which does not include the United Kingdom. -
Q:Does worldwide travel insurance cover the UK?
Ans: Yes. Worldwide travel insurance offers coverage to an insured traveller for his trip to the UK.
