Travel insurance can save valuable time and energy when on the go. It can protect you against any untoward incidents and risks. It also covers unforeseen situations such as passport loss, flight delay, and baggage theft during transit.
Types of Policies
- International Travel Insurance: Offers overseas travellers (the person buying the policy as well as family members) protection from a number of contingencies that may arise during overseas travel. An insured can opt for a plan that covers a single journey (Single-Trip) or more than one journey (Multi-Trip) depending on the requirement. Usually a multi-trip insurance plan offers cover for a year, and is meant for frequent fliers.
- Corporate Travel Insurance: Covers employees of an organisation during international trips.
- Students Travel Insurance: Designed for students travelling abroad for higher studies on a student visa.
What it Covers
Some of the coverages offered:
- Medical expenses including repatriation and emergency medical evacuation
- Accidental death and permanent total disablement
- Loss of passport
- Trip delay
- Total loss of checked baggage
- Personal liability
- Claims will not be paid where medical needs arise due to pre-existing diseases
- Cosmetic surgery unless the same is necessary as part of treatment after an accident
- Participation in hazardous sports like mountaineering, skiing etc.
Please refer to the policy document for complete scope of cover and list of exclusions and other terms and conditions under the Policy.
Some Dos and Don’ts
- Read the policy wordings, brochures and exclusions carefully
- Note the section wise deductibles in the policy
- Sum insured proposed should be adequate
- Ensure you cover your entire period from the date of departure from India till the date of return
- Disclose details of all the pre-existing health conditions (if any)
- Medical tests if asked for should comply with the requirements of the insurer
- Take care to fill the proposal form correctly
- Take the policy before the trip commences
- In case of any claims follow the claims procedure correctly
- Should not take the policy in the last minute without understanding the coverage
- Should not hide any material facts pertaining to your personal data and history
Leave a Testimonial
You can share your experience with us below.