Types of Travel Insurance
Various plans are available according to every individual's travel needs.
1) Corporate Travel Insurance
Under this plan, employees of an organization can receive coverage for both domestic and international trips.
2) Domestic Travel Insurance
In this type, coverage is offered for death, medical emergencies, permanent disability, personal liability, delays, and lost/theft of checked-in luggage.
3) International Travel Insurance
It gives a comprehensive coverage for medical costs overseas, trip delays, loss of travel documents besides the regular coverage.
4) Senior Citizen Travel Insurance
This plan covers people in the age group 61-70 years. Besides providing general advantages, it also gives cashless hospitalization coverage and dental treatments.
5) Student Travel Insurance
This comprehensive cover is suitable for expenses incurred because of medical treatment, study interruptions and passport loss.
6) Individual Travel Insurance
Under individual travel plan, insured is covered against trip curtailment, trip cancellation and theft
7) Family Travel Insurance
It covers baggage loss, hospitalization expenses and other incidental costs. The claim disbursement is not difficult with less paperwork involved.
8) Multi Trip Insurance
This type of travel insurance is offered to frequent travelers so that they don’t have to apply for insurance every-time they travel.
9)Single Trip Insurance
As the name suggest, this type of cover is provided only for the duration of the trip. It also covers medical & non-medical emergencies along with baggage loss situations.
Benefits of Travel Insurance
The basic worries of travellers include stolen baggage, lost passports, cancelled flights and trip delays. These mishaps can spoil perfectly planned vacations. Do not let such incidences ruin the entire journey.
Exclusions
1)Pre-existing conditions resulting to hospitalization
2)Damage or loss of keys
3)Trains or flights missed because of civil war/local protests
4)Luggage delay Expenses incurred because of civil unrest or local protests
Customers should note that exclusions vary from one policy to policy.
FAQs Travel Insurance
What are the eligibility criteria for Travel Insurance?
From infants aged 6 months to 70 years old can avail of travel insurance
Are there any medical examinations involved?
No, there is no medical examination required upto the age of 70 years.
Is travel Insurance mandatory?
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, it is recommended that you take a
Travel insurance policy even if you are travelling to countries apart from these.
Is passport loss covered in the travel insurance policy?
Yes, passport loss is covered in the policy. It is covered under the benefit
of loss of Baggage and Personal Documents. The assistance provider helps in
contacting the consular authorities in case of the loss or theft of an Insured Personal's
passport, and arranging for its replacement.
What does loss of checked in baggage cover ?
This covers the insured person for the amount spent as cost of replacement of articles if checked in
baggage is lost or demaged. The insured must keep the bills of such expenses for reimbursement
How much cover do I need?
Depends on the duration and your age. Longer stay abroad needs higher cover.
Higher age would also demand a higher cover.
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