WHAT IS TRAVEL INSURANCE? Travel Insurance offers coverage against various types of emergencies like medical expenses. The medical expenses ...
WHAT IS TRAVEL INSURANCE?
Travel Insurance offers coverage against various types of emergencies like medical expenses. The medical expenses involve medical evaluation and repatriation, detaining checked-in baggage or absolute loss of checked-in baggage, forgotten connections, financial emergency assistance, and so on.A travel insurance policy is an important piece of documentation that is beneficial when you travel abroad. We must buy a travel insurance policy in advance to cover the dates you’ve travelled on. Not only this, but travel insurance also provides you with the freedom to enjoy your trip without any interruptions.
So, always make sure that you have the right travel insurance policy that covers all your needs and can be bought online. Buying travel insurance online would help you to stay secure in case of a mishap. Travel insurance can be availed for multiple or single trips, depending on your needs and budget.
The multi-trip travel insurance plan is handy for the frequent travellers and it insures all the multiple trips within the specified duration. The cost and coverage of travel insurance depending on the nature of the trip.
Always remember that a travel insurance policy is an investment because it’s something that you’re doing for yourself and your loved ones to keep them safe. Now, you can select a travel insurance policy online sitting at the comfort of your home. We’re just a click away waiting for you with the best travel insurance plans in India.
WHY DO YOU NEED TRAVEL INSURANCE?
You need a travel insurance policy for various reasons like -✓ Overseas medical emergencies
✓ Delayed flights
✓ Country/Visa Requirements
✓ Loss/Delay of Luggage
✓ Cover for Natural Calamities or Human-made Disasters
✓ Missed Flights/ Trip Cancellation
✓ Study interruptions
✓ Flight hijack
Do You Need A Travel Insurance Policy?: If that’s the question you’re battling with, read on to check the answer to this question! Medical expenses usually cost 3 to 5 times more in foreign countries. Around 25 million baggage are mislaid by airlines every year. Travel scams are very common in tourist-heavy countries.
So, it’s important not only to purchase a travel insurance plan but also to choose the right one. If you buy a travel insurance plan online, you’re safeguarding your trip against all the financial losses. Leave aside the financial backup and roaming around abroad without any adequate insurance coverage, as this can prove fatal at the times of an unfortunate event.
A lost passport or a missed flight are very scary situations for the tourists. One can feel lost even without an insurance cover in a variety of situations, so always keep a backup with travel insurance policy.
TYPES OF TRAVEL INSURANCE IN INDIA
Good and user-oriented travel insurance plans will make your trip a great vacation. It secures you at various steps, which is the financial coverage as the top priority.Do not rush while selecting the best travel insurance policy for your family and yourself. For hassle-free and safe travel, choose wisely and save your money without selecting the first option you see.
A Travel Insurance is a cushion which takes the blow for the fall, makes your trip more fun and memorable.
Individual Travel Insurance:
Going on a solo trip? Or travelling to meet your family abroad? When you are travelling alone, you need extra protection and access to instant help, especially in case of a hospitalisation or other emergency situations.
Benefits under Individual Travel Insurance Plan: All covers in the maximum plans are the same, or somewhat similar to the other, but vary with terms and conditions. It includes benefits like accidental emergencies, accidental death, medical services expenses, dental expenses and other non-medical factors like baggage loss, passport loss and many more.
Family Travel Insurance:
A Travel Insurance plan specially planned for the families who travel together. The insurance plan covers the immediate family of the policyholder under the family travel insurance plan. The policyholder, his/her spouse and children.
Coverage under Family Travel Insurance Plan: The insured family members of the policy holder are covered for medical expenses, loss of baggage, personal liabilities, loss of passport, delay in the baggage and many more.
Senior Citizen Travel Insurance:
Just like the health insurance plan is tailored to the age factor, the travel insurance for senior citizens is also best for individuals above the age of 70. The elderly people prefer to travel after retirement and often travel alone as well or just in couples. This type of plan protects them from uncertainties.
Covers under Senior Citizen Travel Insurance Plan: The benefits for a senior citizen travel insurance plans include the unpredictable financial crisis on travel like repatriation of mortal loss, medical bills, loss or delay of check-in baggage, Emergency medical evacuation and more based on the insurance firm.
Corporate Travel Insurance:
The Corporate travel insurance plans serve best to the businessmen travelling frequently for corporate works. The beneficiaries under this plan can enjoy a year-long of benefits and policy coverage, allowing travel in and out of the country with a peace of mind.
Covers under Corporate Travel Insurance Plan: The coverage under the Corporate travel insurance plans is basic medical expenses, flight delay, baggage loss, missing connecting flights, etc.
Benefits under Individual Travel Insurance Plan: All covers in the maximum plans are the same, or somewhat similar to the other, but vary with terms and conditions. It includes benefits like accidental emergencies, accidental death, medical services expenses, dental expenses and other non-medical factors like baggage loss, passport loss and many more.
Family Travel Insurance:
A Travel Insurance plan specially planned for the families who travel together. The insurance plan covers the immediate family of the policyholder under the family travel insurance plan. The policyholder, his/her spouse and children.
Coverage under Family Travel Insurance Plan: The insured family members of the policy holder are covered for medical expenses, loss of baggage, personal liabilities, loss of passport, delay in the baggage and many more.
Senior Citizen Travel Insurance:
Just like the health insurance plan is tailored to the age factor, the travel insurance for senior citizens is also best for individuals above the age of 70. The elderly people prefer to travel after retirement and often travel alone as well or just in couples. This type of plan protects them from uncertainties.
Covers under Senior Citizen Travel Insurance Plan: The benefits for a senior citizen travel insurance plans include the unpredictable financial crisis on travel like repatriation of mortal loss, medical bills, loss or delay of check-in baggage, Emergency medical evacuation and more based on the insurance firm.
Corporate Travel Insurance:
The Corporate travel insurance plans serve best to the businessmen travelling frequently for corporate works. The beneficiaries under this plan can enjoy a year-long of benefits and policy coverage, allowing travel in and out of the country with a peace of mind.
Covers under Corporate Travel Insurance Plan: The coverage under the Corporate travel insurance plans is basic medical expenses, flight delay, baggage loss, missing connecting flights, etc.
Student Travel Insurance:
This plan is specifically tailored to be student-friendly. It has a special feature of the extension of the validity up to specific time, mainly 2 years.
Covers under Student Travel Insurance Plan: It covers the basic overseas travel insurance covers and provides some add ons as well. The covers like bail bond, medical evacuation, study interruption, sponsor protection and some more.
Group Travel Insurance:
The travel insurance policy customized for the people travelling in groups. This type of travel insurance is mostly organised by the tour organizers. Tours for historic destinations, museums, industrial training are placed under Group Travel.
Covers under Group Travel Insurance Plan: The Group Travel Insurance covers the group going from India or within the domestic borders of India. It covers personal accidents and baggage coverage but it depends upon the limit per person of the group.
Domestic Travel Insurance:
When travelling within the geographical borders of India, domestic travel insurance is a beneficial companion. It protects you from several types of situations and emergencies (financial and otherwise).
Covers under Domestic Travel Insurance: Benefits include medical coverage, personal accidents, and loss of baggage are also a part of this Insurance.
International Travel Insurance:
Covering a much wider range, the international travel insurance plans cover overseas travel, trip, holiday, family visitation, study, business meetings, and much more. It further depends upon the plans offered by the insurance company.
Covers under International Travel Insurance Plan: It covers several factors - medical and dental expenses, loss of baggage and passport, trip cancellation, flight delays, etc.
Coverage for Flight Related Issues:
Even though an aeroplane is considered one of the safest ways to travel, accidents do not knock before coming. Flight-related issues include the delayed travel or hijack situation, the insurance plan will cover you for the expenses occurring during the course of adversity.
Cashless Treatment:
Although we do not wish to visit a hospital during a holiday, actually having to go there can also be financially draining. However, you can get covered under the travel insurance plans and benefit from the cashless facility. You can avail this service at the hospitals, which are empanelled under the insurance provider.
Coverage for Baggage/Passport Loss:
Nothing can be more dreading and dangerous than losing your baggage or passport while on a trip. Travel insurance policy opted by you might not recover your passport or baggage, but you will get covered for the loss of cash or kind. Plus, it will cover the expenses incurred to get a new passport.
This plan is specifically tailored to be student-friendly. It has a special feature of the extension of the validity up to specific time, mainly 2 years.
Covers under Student Travel Insurance Plan: It covers the basic overseas travel insurance covers and provides some add ons as well. The covers like bail bond, medical evacuation, study interruption, sponsor protection and some more.
Group Travel Insurance:
The travel insurance policy customized for the people travelling in groups. This type of travel insurance is mostly organised by the tour organizers. Tours for historic destinations, museums, industrial training are placed under Group Travel.
Covers under Group Travel Insurance Plan: The Group Travel Insurance covers the group going from India or within the domestic borders of India. It covers personal accidents and baggage coverage but it depends upon the limit per person of the group.
Domestic Travel Insurance:
When travelling within the geographical borders of India, domestic travel insurance is a beneficial companion. It protects you from several types of situations and emergencies (financial and otherwise).
Covers under Domestic Travel Insurance: Benefits include medical coverage, personal accidents, and loss of baggage are also a part of this Insurance.
International Travel Insurance:
Covering a much wider range, the international travel insurance plans cover overseas travel, trip, holiday, family visitation, study, business meetings, and much more. It further depends upon the plans offered by the insurance company.
Covers under International Travel Insurance Plan: It covers several factors - medical and dental expenses, loss of baggage and passport, trip cancellation, flight delays, etc.
FEATURES OF TRAVEL INSURANCE IN INDIA
Now that you understand the importance of buying travel insurance, it is important to understand its potential to provide coverage. Hence, listed below are the essential features of getting to understand how travel insurance in India can help you enjoy your holiday.Coverage for Flight Related Issues:
Even though an aeroplane is considered one of the safest ways to travel, accidents do not knock before coming. Flight-related issues include the delayed travel or hijack situation, the insurance plan will cover you for the expenses occurring during the course of adversity.
Cashless Treatment:
Although we do not wish to visit a hospital during a holiday, actually having to go there can also be financially draining. However, you can get covered under the travel insurance plans and benefit from the cashless facility. You can avail this service at the hospitals, which are empanelled under the insurance provider.
Coverage for Baggage/Passport Loss:
Nothing can be more dreading and dangerous than losing your baggage or passport while on a trip. Travel insurance policy opted by you might not recover your passport or baggage, but you will get covered for the loss of cash or kind. Plus, it will cover the expenses incurred to get a new passport.
Conclusion:
We hope that you secure your trips travel as well as elsewhere with an adequate travel insurance plan so that you can enjoy your vacation worry-free. Check best company's to Travel insurance and buy travel policy which can safeguard you financially when you are travelling the world.
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