Types Of Travel Insurance Coverage In India

Types Of Travel Insurance Coverage In India


Travelling overseas is thrilling, whether you’re a busy, professional traveller, an enthusiastic family vacationer, or a lone globetrotter. There’s no other experience that comes quite close to what a trip does to the soul. The joy, exuberance and thrill are quite palpable.

However, it may subject you to several novel difficulties and unexpected circumstances. A reliable travel or vacation insurance ensures complete coverage and prevents gaps in plans that could exceed your budget.

Travel Insurance Options

Three types of travel insurance coverage stand out as the front-runners for any traveller’s consideration.

Health Insurance and Medical Evacuation*

A decent medical insurance plan would reduce the likelihood of paying expensive medical expenses while travelling outside your country. Typically, this includes mild to major injuries like dismemberment, excruciating dental pain, etc. Given the declining rupee value, this can be beneficial for paying for medical care abroad.

Medical evacuation coverage is one variation of such insurance. For instance, picture yourself hiking through the jungles of the Amazon when an insect stings you. The ultimate effect is that your foot is swollen, requiring urgent medical intervention. Given your position, the ideal way out of the situation would be a medical evacuation by helicopter. However, if you had to pay for it yourself, you would face a financial burden, given the circumstances. Medical evacuation coverage can cover associated expenses, allowing treatment without financial strain, ensuring a smooth transition to treatment.

Baggage Security

Are you taking some pretty pricey items with you on your international trip? Concerned that something might be taken? You need not worry about paying for your stolen luggage during transit or a trip if you have a luggage safety cover by your side. This also involves the misplacement of important papers like your passport, visa, etc. Some insurers offer travel support in addition to luggage insurance. There may arise situations where you require an urgent financial transfer, a travel agency, information about the nation you visit, such as immunisation requirements, or even legal counsel.

Trip Protection

In India, this is the most typical form of travel insurance. When you have to cancel your vacation due to unforeseeable circumstances abruptly, this alternative saves you. Without travel insurance, you will be responsible for paying hotel cancellation fees, flight delays or cancellation fees, etc. These cancellation fees can consume a sizeable portion of your cash.

It is advisable to review the coverage details, the insurance coverage area, and the fees you would be responsible for paying in case of a claim before signing on the dotted line. Ensure you thoroughly investigate travel insurance policies and consult with experts, including your insurance agent. In India, examining, comparing, and purchasing travel insurance online’s also incredibly simple.

A travel insurance premium calculator is a convenient tool you can utilise online to check the coverage needed based on your requirements.

*Standard T&C Apply

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

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