Insure your Travel with Insurance 

Travelling is fun, exploring, learning and beautiful experiences. But despite careful planning anything can happen. Although we may not be able to control external factors that might cause disruptions in travel plans, it’s always advisable to opt for travel insurance. Travel Insurance, enables you to explore and enjoy new destinations with heartiness.

Travel Insurance Covers?

Travel Insurance provides you and your family - medical, financial and other assistance in case of an emergency like accidents, illness, missed flights, cancelled tours, lost baggage, theft, terrorism, travel-company bankruptcies, emergency evacuation, etc. or untoward circumstances while travelling. It insures trip so that you can enjoy a hassle free journey. It can minimise the considerable financial risks of travelling.

Insurance Company provides Travel Insurance?

Many Types of International and Domestic Travel Policies are available with Insurance companies.

Some Travel Insurance companies are – Bharti AXA ,BAJAJ Allianz, Reliance, L& T Insurance, HDFC ERGO,TATA AIG, National Insurance, Liberty Videocon, SBI General , ICICI Lombard, SHRIRAM General Insurance, Kotak General Insurance, Universal Sompo General Insurance, IFFCO-TOKIO General Insurance, Max Bupa Insurance, FUTURE General Insurance, MAGMA HDI General Insurance, RELIGARE Health Insurance, Apollo Munich Insurance, Oriental Insurance, Cigna Insurance, STAR Insurance, Chola MS General Insurance, and many other.

Travel Plans are available?     

Purchasing travel insurance will ensure that you are compensated if anything goes wrong on your trip. There are wide range of travel insurance plans that encompasses both business and leisure travel. It is very much necessary to choose a good travel insurance plan that will best suit your travelling purpose and that too at a cost that is soft on your budget, so that rest assured and enjoy your travelling abroad or within India without worries.

Various Insurance Plans -

Corporate Travel Insurance policy-

Corporate or group travel insurance in India is meant for a group of employees of a particular organisation and it is also known as group travel insurance cover. Depending on the terms and conditions, group travel insurance plans can cover both domestic and overseas trips and protection from a myriad of unforeseen circumstances during an international trip.

Student Travel Insurance policy-

Most of the time this travel insurance plan offers coverage to those students that are travelling abroad for higher studies. A comprehensive student travel insurance plan in India covers students expenses due to medical treatment, loss of student visa, passport. The beauty of a student travel insurance cover is it involves nominal paperwork.

Senior Citizen Travel Insurance policy-

 Senior citizen travel insurance plans are designed to safeguard elderly travellers in India of age group of 61-70 from medical and other emergencies during an overseas or domestic trip. It provides coverage against dental treatments & cashless hospitalisation.

Family Travel Insurance policy-

Family Travel Insurance plan is ideal plan. It shields an entire family from unexpected circumstances. In India it covers and keep an entire family financially protected from various exigencies that may occur during the trip. Good family travel insurance policies provide coverage against emergency cashless hospitalisation, loss of passport and baggage and many other unexpected expenses while travelling.

Domestic Travel Insurance policy-

Domestic travel insurance plans are crafted for those NRI travellers who are travelling within India. This travellers insurance provide coverage against unexpected events like death or disability due to accident, missed departure, trip delay, loss of tickets and the likes.

Overseas Travel Insurance policy-

This travel insurance plan is designed specifically for those traveller who are travelling to overseas countries. The international travel insurance online policy offers cover against a wide range of eventualities. Coverage for repatriation expenses, medical evacuation to India, loss of personal items and passport are some of the safeguards offered by a good overseas travel insurance policy. Travel Insurance is not mandatory in India. However it is mandatory in UK and countries like Austria, Greece, Portugal, Spain, France, Germany, Belgium, Luxembourg, Netherlands. However for a safe and peaceful trip, we recommend that you have to take a Travel insurance policy even if you are travelling to countries apart from these.

Individual Travel Insurance policy-

Individual travel insurance policies offer cushion to individual traveller from financial losses due to a range of untoward events like trip delay, curtailment or total cancellation. A good individual traveller insurance policy in India provide policyholders with peace of mind during their trips as there is coverage against home burglary also.

Multi-Trip Travel Insurance policy-

A multi-trip travel insurance plan in India aims to cover multiple trips in a particular year. Specified Limit of 30 or 45 or 60 days for each trip within a year. Typically, business people in India who make frequent visits to overseas countries opt for this type of overseas travel insurance plans. The benefit of availing a good multi-trip travel insurance plan is travellers. don't have to buy travel insurance online each time they fly and it is also lot cheaper than the costs of many single-trip insurance policies.

Some Important Points to keep in mind while choosing policy –

1  1] The minimum duration for a traveller's insurance policy is 1 day and the maximum duration         depends on type of travel insurance plan travellers choose.

2  2] Travel Insurance policy is available for all ages between 6 months – 70 yrs. No medical 

      examination required up to the age of 70 years. But, most of the policy does not cover pre-existing    diseases. A ‘Pre-Existing Illness’ is one with which the person is already suffering from before he    buys the policy.

   3] In the event of a covered emergency. You need to register claims on Insurance Policy 24 hr Help Line contact number or email and quoted Policy Holders’ Name, Policy Number, Insurance Company when seeking assistance within 24 Hours.

   4] 'Financial Emergency' means a situation where in the Insured loses all or a Substantial amount of his/her travel funds due to theft, robbery, mugging or dacoity. Under this benefit the insured is provided with Emergency Cash Assistance up to the limit stated in the Policy. but, The Company don’t be liable to pay any benefit in respect of loss of cash, bank or currency notes, cheques, debit or credit cards.

   5] Emergency Medical Expenses includes ambulance service (to or fro from the Hospital).

    Claim is possible in case of – Hospitalisation, Loss of Baggage, Delay in Checked-in baggage, Loss of Passport, Personal liability, Personal accident, Hijack, Missed flight, etc..

  6] Choose policy which is having procedure for smooth claim settlement in case of any event covered in the policy document.

   7] In every Travel Policy, Assistance Service Provider (ASP) is appointed which is single point of contact during the trip. to make claim contact ASP and register the claim with them.

    8] Keep all Original tickets, boarding pass & bills with you in case of claim.

   9] Travel Insurance can be compared & buy Online. Cheap travel insurance policies available for domestic and overseas trip. There are many websites which give this facility.

Conclusion - Most of us have fear in mind regarding insurance policy, their terms and condition, way to apply for them or for claim and because of this we completely neglect travel insurance policy which can give us lots of benefit and support in case of any emergency or un-willing circumstances on holiday or any other tour. So instead of neglecting, we need to understand it.