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Simran has over 3 years of experience in content marketing, insurance, and healthcare sectors. Her motto is to make health and term insurance simple for our readers has proven to make insurance lingos simple and easy to understand by our readers.
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Anchita has over 6 years of experience in content marketing, insurance, and healthcare sectors. Her motto to make health and term insurance simple for our readers has proven to make insurance lingos simple and easy to understand by our readers.
Updated on Apr 30, 2025 9 min read
Travel Health Insurance: An Overview
Travel health insurance or travel insurance safeguards your finances against unexpected medical and travel-related issues. The coverage usually includes cashless hospitalisation, compensation for baggage and flight delays, passport loss, and reimbursement of trip cancellation. These benefits apply throughout your trip, until your return to India, regardless of your destination (single or multi-country) or your age (student, senior citizen, etc.). A suitable travel insurance policy can be found in India for any type of journey.
What is Travel Health Insurance?
Travel health insurance is a specific type of insurance that provides coverage for medical expenses that may arise while you are travelling to another city or country. It’s designed to protect you financially from unexpected health-related incidents while you’re away from your home.
Key Aspects of Travel Health Insurance
Medical Expense Coverage:
This is the core of travel health insurance. It covers costs associated with illnesses, injuries, and accidents that occur during your trip. This can include hospitalization, doctor’s visits, prescription medications, emergency medical treatment, etc.Emergency Medical Evacuation:
In serious cases, if you need to be transported to a better-equipped medical facility, either locally or back home, this coverage pays for the very expensive evacuation costs.Repatriation (Mortal Remains):
In the unfortunate event of death, this coverage helps with the costs of returning your remains to your home country.Purpose:
Travel health insurance is crucial because your regular health insurance policy might not provide adequate coverage, or any coverage at all, when you travel internationally.
Travel Insurance Plans
| TATA AIG International Plus Silver | Medical expenses: $100000 | Baggage loss: $200 | Loss of passport: $250 |
| ICICI Lombard Platinum | Medical expenses: $100000 | Baggage loss: $500 | Loss of passport: $300 |
| Niva Bupa Travel Assure Comprehensive | Medical expenses: $100000 | Baggage loss: $1000 | Loss of passport: $300 |
| Zurich Kotak Smart Travel | Medical expenses: $100000 | Baggage loss: $500 | Loss of passport: $300 |
| Niva Bupa Student Travel Assure Peak | Medical expenses: $100000 | Baggage loss: $500 | Loss of passport: $300 |
| Reliance Economy Care | Medical expenses: $100000 | Baggage loss: $1000 | Loss of passport: $300 |
traordinary Facts
Did you know?
- Despite billions of checked bags, human and technical errors lead to 28 million mishandled bags annually, causing significant travel disruptions.
- Approximately 300,000 travelers lose their passports each year, creating major logistical and financial burdens.
- Missed connections, flights, and delays are frequent occurrences, especially in popular tourist destinations like Europe and Egypt.
- Lost, damaged, or delayed luggage remains a common and frustrating travel problem.
FYI- When you buy good travel health insurance, you are covered in all these situations.
Why You Should Buy Travel Insurance?
Travel insurance is a valuable safety net that can protect you from a wide range of unexpected events that can disrupt your travel plans and lead to significant financial losses. Here are reasons why it’s a good idea to purchase travel insurance:
Medical Emergencies
Medical expenses in foreign countries can be incredibly high. Travel insurance covers costs related to critical illnesses, injuries, and hospitalizations, saving you from potentially devastating financial burdens. It can also cover emergency medical evacuation, which can be extremely expensive.Trip Cancellation or Interruption
Unexpected events like illness, family emergencies, or natural disasters can force you to cancel or cut your trip short. Travel insurance can reimburse you for non-refundable expenses, such as flights and hotel bookings.Lost or Stolen Luggage
Losing your luggage can be a major inconvenience. Travel insurance can compensate you for the cost of replacing lost or stolen belongings.Flight Delays or Cancellations
Flight disruptions can throw your travel plans into chaos. Travel insurance can cover expenses related to delays or cancellations, such as accommodation and meals.Loss of Passport or Important Documents
Losing your passport can be a nightmare. Travel insurance can help cover the costs of obtaining a replacement.Personal Liability
In some cases, travel insurance can cover you if you’re held liable for causing injury to someone else or damaging their property.Peace of Mind
Knowing you’re protected against unexpected events can allow you to relax and enjoy your trip fully.
POV- Travel insurance provides a financial safety net and peace of mind, allowing you to travel with confidence.
Travel Health Insurance: At A Glance
| Cost | Starting at Rs 30 per day |
| Entry Age | 3 months to 70 years |
| Medical Benefits | Cost of treatment, accidental death, disability, dental cover, evacuation, repatriation |
| Other Benefits | Delayed baggage, lost baggage, flight delay, missed connections, loss of passport |
| Assistance | 24x7 Emergency helpline, mobile application, EAM, etc. |
| Time Required to Buy | Instantly |
*Final quote, duration & coverage will vary with insurer & plan purchased.
Types of Travel Insurance Plans in India
India offers a wide range of travel insurance plans to cater to the diverse needs of travelers. Here’s a breakdown of the main types:
- Domestic Travel Insurance: This covers travel within India, protecting against events like flight delays, baggage loss, and medical emergencies.
- International Travel Insurance: This provides coverage for overseas trips, including medical expenses, trip cancellation, and other travel-related issues.
- Single Trip Insurance:This covers a single journey from start to end. It’s suitable for one-time trips.
- Multi-Trip Insurance: This covers multiple trips within a specified period, usually one per year. It’s ideal for frequent travelers.
- Family Travel Insurance: This covers the entire family under a single policy, offering protection for all members traveling together.
- Senior Citizen Travel Insurance: Specifically designed for elderly travelers, this plan considers age-related health concerns and provides appropriate coverage.
- Student Travel Insurance: This caters to students traveling abroad for education, covering medical expenses, study interruptions, and other related issues.
- Group Travel Insurance: This covers a group of people traveling together, such as on a corporate trip or a group tour.
What Is Covered Under Travel Insurance?- Inclusions
Here is what a travel health insurance gives coverage for.
Medical Coverage
- Accidental emergency
- Hospitalisation allowance
- Illness expenses
- Physiotherapy expenses
- Evacuation (in case of emergency)
- Addicental death
- Permanent disability
- Repatriation of mortal remains
- OPD expenses
- Compassionate visits
Baggage Covers
- Delayed baggage
- Lost baggage
- Partial loss
Trip Covers
- Flight delay
- Flight cancellation
- Missed flight
- Flight rescheduling
- Missed connections
- Loss of passport
What Is Not Covered Under Travel Insurance?- Exclusions
Travel Exclusions
- Travelling without a valid visa.
- Staying in a country beyond the allowed visa duration (overstaying)
- Travelling for the sole purpose of seeking medical treatment
- Travelling with a terminal medical prognosis
- Travelling against medical advice
- Obtaining travel insurance after departing India or for a trip not ending in India
Medical Exclusions
- Pre-existing diseases
- Pregnancy
- A disability report supporting a claim is prepared by a close relative
Legal Exclusions
- Suicide
- Self-inflicted injuries
- Drug use
- Alcohol
- Breach of law
- Extreme sports
Features of Travel Insurance
Travel insurance offers a wide array of features designed to protect travelers from unexpected events.
- No matter where you are travelling, you will be eligible for cashless hospitalisation.
- You do not need to undergo any pre-medical check-up.
- You will get compensation for lost, stolen, or delayed baggage.
- You will get coverage for a lost or stolen passport.
- You will be refunded if the flight is cancelled.
Things To Keep Handy While Buying Travel Insurance
- Personal Details: Full name, age, gender, address, and contact number of each traveller.
- Travel Details: Destination country or countries, travel start and end dates.
- Health Information: Disclosure of any pre-existing medical conditions that might impact your travel health insurance plan coverage.
- Passport Details: Passport number and expiry date of all individuals to be covered.
How to Buy Travel Insurance in India?
If you are looking forward to purchasing travel health insurance online, follow the simple steps below:
- Step 1: Visit the PolicyX health insurance page and enter your details, such as name, age, number of members to be covered, and city.
- Step 2: Click on ’Get free quotes’ and compare travel insurance plans as per your needs.
- Step 3: Select and pay premiums online for the purchased travel insurance plan of your choice.
- Step 4: Our team of insurance experts at PolicyX will provide you with all the assistance required regarding claims and other queries post-purchase of your travel insurance plan.
How To Claim Travel Health Insurance?
You can file for cashless as well as reimbursement claims for your travel health insurance plans by following these easy steps:
- Step 1: Visit PolicyX.com, and select the "Claim" option. Then click on the "Claim Intimation" to check out the form.
- Step 2: Now select "travel claim" and provide the information, which includes the policy number, date of birth, and other details.
- Step 3: Now select the "claim type", whether you want to opt for a cashless claim or reimbursement. Click on the authorize, and you will receive the OTP on the verified number.
- Step 4: Get verified with the OTP and fill in the required hospital admission information, select the hospital, and fill in the hospital details in case of a non-network hospital.
- Step 5: Upload the required documents and click on the "review" button.
- Step 6: After clicking on the review button, you need to submit the intimation for the company to review. You will receive a claim intimation number, which you need to note down for future purposes.
Countries You Cannot Visit Without Travel Insurance
- Schengen Area (29 European countries)
- The United Arab Emirates
- Cuba
- Turkey
- Algeria
- Aruba
- Seychelles
- Moldova
- Morocco
- Togo
- Jamaica
- Georgia
- Ecuador
- Lebanon
Travel Insurance Vs. COVID-19
After the COVID-19 scenario, it has become very important to get COVID-19 coverage along with travel insurance. In case of a COVID-19-like situation, a health insurance plan will help you in:
- Cancelling the trip due to a COVID-19 diagnosis.
- Cut short the trip because of COVID-19.
- Hospitalisation for the treatment of COVID-19.
Eligibility Criteria For Travel Insurance In India
If you are an Indian, you are eligible to get the travel insurance policy. Here are some of the additional eligibility criteria for different types of online travel insurance plans.
| Plan | Eligibility |
| Travel Insurance | You must be between 6 and 70 years old. |
| Single Trip Travel Insurance | Eligible only for one trip, adults aged between 18 and 70 years, and children aged 3 months and above. |
| Family Travel Insurance | Available for 4 people, including the insured, spouse and 2 dependents; Adults must be between 18 and 60 years, and children must be below 21 years. |
| Senior Citizens Travel Insurance | 61 years to 90+ years. |
| Student Travel Insurance | Enrolled in an educational institute abroad. Aged between 16 to 35 years. |
| Corporate Travel Insurance | Aged between 18 to 70 years. |
| Multi-trip Travel Insurance | Aged between 18 to 70 years, and children aged 3 months. |
Conclusion: Travel Insurance in India
Travel insurance has emerged as an essential tool for modern travelers, providing a safety net against a multitude of unforeseen circumstances. From medical emergencies and trip disruptions to baggage loss and flight delays, the financial and logistical support a good travel insurance plan offers can be invaluable. By understanding the types of plans available, the inclusions and exclusions, and the claims process, travelers can make informed decisions to protect their journeys, have peace of mind, and enjoy their stays overseas.
Don’t let unexpected events derail your travel plans. Secure your trip with comprehensive travel insurance. Visit PolicyX.com today to compare plans, get a personalized quote, and embark on your journey with confidence.
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Travel Health Insurance: FAQs
1. Is travel insurance mandatory?
While not always mandatory, travel insurance is highly recommended, especially for international trips. Some countries, like those in the Schengen area, Europe, require it for visa approval.
2. What does travel insurance typically cover?
Travel insurance usually covers overseas medical expenses, trip cancellation/interruption, baggage loss/delay, flight delays, loss of passport, and personal liability.
3. How much does travel insurance cost?
The cost of travel insurance varies based on factors like trip duration, destination, age of travelers, and coverage amount. Travel health insurance plans in India start as low as Rs 30 per day.
4. When should I buy travel insurance?
It’s best to buy travel insurance as soon as you book your trip. This ensures you’re covered for any unexpected cancellations or interruptions that may occur before departure.
5. What is not covered in travel insurance?
Common exclusions include pre-existing conditions, injuries due to alcohol or drug use, extreme sports, self-inflicted injuries, and travel to high-risk areas.
6. How do I make a claim?
To make a claim, you’ll typically need to notify your insurance provider as soon as possible and submit the required documents, such as medical reports, receipts, and police reports (if applicable). You can also visit PolicyX.com for assistance with the claim process.
7. What types of travel insurance plans are available in India?
In India, you can find various plans, including domestic, international, single-trip, multi-trip, family, senior citizen, student, and group travel insurance.
8. Is COVID-19 covered in travel insurance?
Many travel insurance policies now offer COVID-19 coverage, including medical expenses, trip cancellation, and trip interruption. However, it’s essential to check the specific policy details of your travel insurance plan.
9. What is the age limit for travel insurance?
Age limits vary by policy, but generally, there are no restrictions for children, and adults between 18 and 70 years are eligible. Senior citizen plans are available for those over 60.
10. Can I buy travel insurance after leaving India?
No, you cannot. You must buy travel insurance before departing India, and your trip must end in India to be eligible for coverage.
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Written By: Simran Saxena
Simran has over 3 years of experience in content marketing, insurance, and healthcare sectors. Her motto is to make health and term insurance simple for our readers has proven to make insurance lingos simple and easy to understand by our readers.
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