Travel Insurance



Travel Insurance also known as Overseas Medical Travel insurance is a comprehensive cover for an Individual or family going abroad on business or holiday trip. If you are permanently migrating from India, then you can buy insurance for two months and thereafter, get a policy from the country of residence. Not only does it provide coverage for Trip Cancellation, Loss or delay of Checked in Baggage, Loss of Passport etc. but also covers your medical & dental expenses during your overseas stay. Some of the Travel Insurance Plans even provide coverage for burglary and/or robbery for your Indian home while you are away for your trip.

  • Student Travel Medical Insurance

    • It provides a Comprehensive medical and non-medical insurance coverage for up to 2 years for Indian students travelling to study abroad. It covers much more and costs much less than the medical covers available abroad.

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  • Family Travel Health Insurance

    • Family Travel Insurance policy also known as Family Floater provides a comprehensive cover for entire family (Up to 4 Children) going abroad on business or holiday trip under single policy and one premium.

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  • Overseas Family Travel Insurance Features

    • Family Travel Insurance policy also known as Family Floater provides a comprehensive cover for entire family (Up to 4 Children) going abroad on business or holiday trip under single policy and one premium.

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  • Overseas Multi Trip Travel Insurance / Frequent Flyer Travel Insurance

    • The Multi-Trip Travel Insurance Plan is specially designed for the frequent international traveller. The policy is valid for 1 year.

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  • Travel Insurance for Visiting Parents

    • With many of Indians settled abroad, many Indian parents are travelling internationally to meet their kids. Nonetheless, it may be risky for parents

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Eligibility

Travel Insurance policy is available for all ages between 3 months – 70 years and senior citizens between 71 to 100 years.

Policy Duration

Trips as short as 1 day to max of 360 days. Most of the Insurance Companies provides coverage for 180 days which can be extended for a further period of 180 days, provided there is no claim, but there are plans available up to 360 Days.

Policy Maximum (Coverage Amount)

Various coverage options are offered in the range of US $ 10,000 to US $ 500,000 depending upon the country you are planning to visit. For Worldwide including and excluding USA & Canada plans, minimum coverage is US$ 50,000 and maximum coverage available is US$ 500,000 (5 Lakhs). For Asian countries, minimum coverage available is as low as US$ 10,000 and maximum coverage available is US$ 500,000 (5 Lakhs).

Note: Minimum coverage required for Travel insurance for Schengen Visa is € 30,000.

Max Trip per Policy

Only Single trip per policy period is covered.

Pre-existing diseases

Pre-existing ailments and maternity are generally excluded. There are a few companies which provide coverage in case of life-threatening situations i.e. until the insured's health is stable.

Deductible/Policy Excess

There is a Deductible/Policy Excess of 50-100 US$ depending upon the plans. This implies that for any claim, the first US$50-100 are to be borne by the insured.

Additional Coverage

Coverage includes Dental Treatment, Medical Evacuation, Repatriation, Baggage Loss/Delay, Trip Cancellation and Interruption, etc.

Medical Check-up

Medical check-up may be required depending upon the age of the Individual. Medical check-up is generally required for 70 plus individuals. There are plans offered by some companies with no medical check-ups up to 100 years with or without some limit on per illness or injury.

Renewal/Extension

Policy can be extended for another 180 Days if there is no claim in the expiring policy and subject to policy terms and conditions.

Premium

Plan Premium is based upon your destination, Coverage Amount, Age and duration of Trip.

Exclusions

General Physical Checkup, pre-existing conditions, Vision (Eye Test, Eye Glasses, and Contact Lens), Pregnancy and Prenatal Care is not covered by any of the Plans. Besides these, there could be other exclusions which are mentioned in the policy wordings.

Claim

In order to make a claim; you need to contact the Insurer or Third Party Administrator (TPA) of the Insurance Company, which has tie-ups with network hospitals worldwide. TPA information is provided in the Insurance policy.