Travel Insurance Plan

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Travelling is all about exploring the unexplored, making memories with those around you and weaving a tale out of these experiences that will transcend your time. In your pursuit to see the world, you will find yourself in different parts of the world as you take in the sights and sounds of exquisite locations, taste foreign delicacies, buy fancy memorabilia and explore various cultures.

As exciting as these possibilities sound, they also bring with them certain risks that you must prepare for especially when visiting distant and foreign lands. Risks of theft, damage to your property and unfortunate events that may cause bodily harm to you and your family are ever present and this is why travel insurance plans are necessary to ensure travel protection and complete peace of mind no matter where you are in the world.

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.

Key Features of Travel Insurance
1) Coverage offered for medical expenses.
2) Coverage for expenses related to trip delays
3) Coverage for loss of passport and luggage
4) For contingencies related to personal possession

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 up to 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 damaged. 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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