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Travelling is a great experience! It’s the best way to make memories and cherish them forever. From domestic to international, travelling is as simple as pinpointing a place on the globe. And you just need to pack your bags with the basic essentials and run away to your dream vacation. However, the most important thing to carry in that bag is the travel insurance. No matter where and with whom you are travelling, insurance is a must to have. It gives you an upper hand at security and safety of you and your belongings.
Travel insurance differs according to various factors depending on the type of location, duration and a lot more. Let’s have a look at the major and most common travel insurances available in the insurance market for you.
Travel Insurance: Save yourself from the unexpected troubles with the help of best travel insurance policies in India. At PolicyX.com you can compare travel insurance policy from a wide range of products. PolicyX.com allows you to-
Compare travel policies of top travel insurance companies of India
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Nowadays, travelling has become an important and frequent event in everyone’s life, it doesn’t matter if you are travelling for leisure or work. People choose to travel for adventure or just to spend quality time with family. Travelling assist in creating lots of happy memories that lasts with a person till the end and they cherish it throughout the life. Who does not want to go on a vacation to enjoy amidst lovely lands and relaxed moments - far away from the daily hectic schedule! Well, we all love to travel but we should not forget the risk that it carries. Yes, it is true that travelling has some risks and possibilities of unexpected situations that can spoil your journey and can cause distress.
Secure your trip with the help of a travel insurance policy. A travel insurance plan will assist you in taking care of unforeseen situations during a journey. It will assist you in circumstances like loss, theft of luggage, delayed flights that leads to financial loss and much more. Travel insurance is the single way to travel around the globe without any tension. You can easily buy a travel insurance plan online. With the help of available free quotes, you will be able to do the comparison among top plans provided by best insurers of the country.
Policyx.com helps you in comparing travel insurance plans online and get the best one easily. Here you can do the comparison for domestic and international travel plans as well. You must compare travel insurance online to get the most affordable policy with great coverage.
You can opt for that coverage that is in accordance with your specific needs. Travel policy provides coverage against all possible emergency state of affairs throughout transit.
People who do not have any health plan suffer from worst health outcomes, whereas those who have it get the quality care at the right time. A medical cover guarantees peace of mind and stable finances.
An individual health policy provides better access to healthcare facilities. Many insurance companies send alerts to the customers related to where and when to have the diagnostic screenings.
It becomes quite hard for people to buy costly medicines for various disease under normal circumstances. Under basic individual health insurance policy, most insurers cover such medical expenses.
An individual health insurance plan assists customers to achieve better financial health. Many insurers provide discounts which helps customers in saving money at the time of checkup or in case of hospitalization.
Senior citizen insurance is for those that fall in the category of 61-70 years. It is a travel insurance aimed at senior citizens to make their travel easier. It includes coverage for dental treatments and cashless hospitalization besides the standard advantages related to travel insurance.
A family travel Insurance basically insures the complete family of the insured individual throughout travel from travel connected emergencies. Family travel insurance covers hospitalization (travel medical insurance), baggage loss and alternative incidental expenses. The claim disbursement is easy with nominal work concerned.
As the name suggests, individual travel insurance is supposed for one individual covering him from travel related contingencies. Through individual insurance, you'll get coverage against cancellation of the trip, home burglary and trip curtailment.
A multi-trip travel insurance may be a kind of travel insurance providing extended coverage typically for a year, specially designed for frequent fliers for multiple journeys so they don’t need to apply for insurance every time they travel.
This type of travel insurance provides coverage for the period of one trip. It takes care of medical (travel health insurance) and non-medical emergencies throughout travel as well as coverage for loss of checked-in baggage.
Travel insurance is a type of insurance which provides financial coverage for medical expenses, lost luggage, trip cancellation and flight accident among other losses while you are travelling internationally or within the country. People usually acquire it at the time of booking of a trip. This type of insurance assists you in covering the financial losses during the duration of the trip. A multi-trip travel insurance covers the expenses of unlimited trips in the definite frame of time.
PolicyX.com assists you in selecting the best travel insurance plan with the help of free quotes and comparison service. Travel insurance plans are the best way to protect yourself and your family from the unwanted incidents that can take place during your trip. It will protect you from the unwanted situations such as trip cancellation, lost baggage, flight accident and medical expenses that occur within the trip duration. Suppose if you are out on a trip with your family and lost all the luggage and money, then what will you do. At these times, a travel insurance with good features can act as your savior and will provide the financial coverage related to the same. In India, mostly insurance companies such as TATA AIG, Bajaj Allianz, ICICI Lombard, HDFC ERGO and others are providing travel insurance plans at low costs. With the help of free quotes and comparison services, you would be able to get the best plane easily on PolicyX.com.
It provides coverage for medical expenses incurred towards the treatment due to accidental injuries.
If you miss the departure of your booked journey, the cost will be reimbursed in case it was caused due to public transport services fail or the vehicle in which you are travelling is involved in an accident.
If the trip is delayed for more than 5 hours due to covered hazard you can avail the benefit according to the maximum limit shown in the Policy scheme.
The insurer will reimburse the amount stated in the scheme/plan if it is lost by you and it leads to not continuing the intended travel.
In the event of a medical emergency, arrangements for evacuation and transportation of the insured are covered.
Travel insurance provides cover for you in the case of loss or theft of your baggage during the transition. The cover depends on the plan chosen and varies from one insurance provider to another.
Imagine going out for a trip and losing the all important document: your passport. Nothing else will make you fret more than losing your passport. But fret not as travel insurance gets you covered for such loss or thefts.
Things to keep in mind while buying
Your destination and the risks associated with it decide the amount of premium that you will have to pay.
There is many travel policies which are available in the market. For choosing the one you prefer the policy which is convenient to buy and is clear in all aspects. There is no hassle while buying.
It is very important to check the goodwill of the company before buying the policy. This will help you to know that the company is reliable and you should buy or not. Simply buying the policy without any research is not a good idea.
It is very important to know the coverage which your policy offers. Having add-ons or no add-ons determine the cost of the premium. Here are advantages of having add-ons as it widens the coverage section which can be beneficial in case of a problem.
This determines the fiscal goodwill and the steadiness of the company. It explains about the company’s ability to generate business without being bankrupt.
Needless to say that for you to purchase travel insurance, it ought to be affordable. Check the features and coverage offered by the plan and the premium that you would need to pay before buying any.
Another important factor, the longer the duration, higher would be the premium. Also, if you are going for an adventure trip which involves risks, then the premium would be higher. If on a leisure trip, the premium would be lower.
As in the case with other insurance products, if you buy travel insurance at say 25 years of age then the premium would be less. However, if you buy travel insurance at 35 years of age then the associated risks will be kept in mind by the insurer while calculating your premium which would be comparatively higher.
It’s simple, higher the sum insured selected for a trip, higher would be the premium. So chose as per your requirement and don’t overshoot the budget.
It is this factor that determines how easily you will get your claims from an insurer in case you decide to file a claim. Check this all so important feature before you finalise the company.
When buying a travel insurance online, it is all about covering the unexpected situations which may come in the trip. The policy should begin from home that is the moment your trip starts. Given below are some of the basic features which the policy covers.
Flight Issues – Providing compensation for the delay or cancellation of flight should be there. This is basically for foreign countries and only some companies offer. In the waiting period, you will be given an accommodation to stay until the time you don't get your flight.
Medical Emergencies- Life is unpredictable and you might face some accident or any illness during the trip. This is the basic thing which your policy should cover. Starting from the ambulance to the hospitalisation everything should be included in it.
Travel and Accommodation- There can be any kind of emergency which can cause the delay of the trip or the termination. The best travel policy will cover this too. So the expenses which may arise in hotel accommodation, travelling locally or air ambulance (some critical health issue) should be covered under the policy.
Legal Expenses and Liability- In addition to medical and accommodation expenses the best policy will definitely cover the legal expenses and legal liability which you might have to face.
If you miss a flight or train due to civil war or some local protests.
Any type of expenses which occur due to local protests or civil war.
Hospitalisation due to pre existing conditions.
Delay of baggage which is less than twenty-four hours.
Loss or damage of keys.
The exclusions differ in every plan. So before buying a policy online you should check and compare the plans. This will help you to suit the plan which fits your needs.
Travel insurance is beneficial as it protects you from unforeseen problems that may occur during a trip. A trip creates memories which will make you smile throughout the life. It provides you a break from your busy and hectic schedules. But the fact is that travelling has its own risks that can emerge because of unforeseen situations. We love to travel, but we never think about the risks that it may cause.
With a travel insurance plan you can make your trip risk free. A good travel insurance plan protects you from the unwanted situations during the journey. It provides financial coverage in case of delayed flights that can cause financial loss, theft or loss of baggage, loss of necessary documents such as passport, medical emergency and much more. The best thing about travel insurance is that we can easily deal with the unexpected situations.
| Name of the Insurance Company | Categories which are covered under the policy | Special highlights of the policy | Exceptions |
|---|---|---|---|
| Bajaj Allianz |
➢ Annual Multi trip ➢ Student ➢ Individual ➢ Senior citizen ➢ Family Floater |
➢ Emergency cash advance ➢ Loss of checked in baggage ➢ Home burglary covered ➢ Two-way compassionate visit ➢ Coverage of bail bond |
➢ Pre existing diseases are not covered. |
| Future Generali |
➢ Individual ➢ Annual Multi Trip |
➢ Emergency cash advance ➢ Trip cancellation and curtailment ➢ Coverage of personal liability ➢ Child escort benefit |
➢ Pre existing diseases are not covered |
| Apollo Munich | ➢ Individual ➢ Family Floater ➢ Annual Multi Trip |
➢ Emergency cash advance ➢ Loss of checked in baggage ➢ Trip cancellation and curtailment ➢ Coverage of personal liability |
➢ Pre existing diseases are not covered. ➢ No specific European/ Schengen plan |
| HDFC Ergo |
➢ Individual ➢ Family Floater ➢ Annual Multi Trip ➢ Student |
➢ Loss of checked in baggage ➢ Flight delay benefits ➢ Study interruption ➢ Treatment of mental and nervous disorder |
➢ Pre existing diseases are not covered. |
| Bharti Axa |
➢ Individual ➢ Family Floater ➢ Annual Multi Trip |
➢ Two way compassionate visit ➢ Emergency cash advance ➢ Specific Schengen plan |
➢ Pre existing diseases are not covered. |
| Reliance | ➢ Annual Multi trip ➢ Student ➢ Individual ➢ Senior citizen ➢ Family Floater |
➢ Coverage of bail bond ➢ Coverage of pre existing diseases ➢ Two-way compassionate visit ➢ Loss of checked in baggage ➢ Home burglary covered |
|
| Religare | ➢ Annual Multi trip ➢ Student ➢ Individual ➢ Senior citizen ➢ Family Floater |
➢ Coverage of bail bond ➢ Coverage of pre existing diseases ➢ Two-way compassionate visit ➢ Loss of checked in baggage ➢ Home burglary covered |
|
| New India Insurance |
➢ Individual ➢ Student |
➢ Repatriation of mortal remains |
➢ Pre existing diseases are not covered. |
| Iffco Tokio |
➢ Individual |
➢ Emergency cash advance |
➢ Pre existing diseases are not covered. |
| Star Health |
➢ Individual |
➢ Flight delay and missed flight benefits |
➢ Pre existing diseases are not covered. |
| Tata AIG |
➢ Annual Multi trip ➢ Student ➢ Individual ➢ Senior citizen ➢ Family Floater |
➢ Coverage of bail bond ➢ Coverage of pre existing diseases ➢ Two-way compassionate visit ➢ Loss of checked in baggage ➢ Home burglary covered |
|
| Universal Sompo |
➢ Individual |
➢ Flight delay and missed flight benefit |
➢ Pre existing diseases are not covered. |
| Royal Sundaram |
➢ Individual ➢ Annual Multi trip |
➢ Compassionate visit |
Policyx offers you a host of companies to choose your travel plan from. It guarantees that you get the lowest premium rates from among the list of top travel insurance companies. It also ensures that you get the kind of features and coverage that you are looking for from a plan.
What’s more, we have a dedicated customer care centre that caters to your queries and makes sure that your queries don’t go unanswered.
And buying with us is all so simple. Just visit the travel insurance section, fill some basic details in the form provided and voila, you get the plans and their premiums in front of you in a matter of seconds. You can further check the details through our innovative and helpful cash flow charts and info graphics that we have specially created for your convenience.
You can send a request mail to the insurer for extension of policy along with health declaration attached to it.
The total policy period including extension should not exceed 180 days. It can be extended further depending on the insurer’s policy.
In case you miss them, you should at least have important details like policy numbers, customer ID to avail the benefits
It is not mandatory. However, in certain countries, it is a necessary document required at the time of admission. Otherwise too, it is advised to have one.
Yes, under most travel insurance, ambulance charges (to and fro) are covered.
Travel insurance is a security which provides protection to the person travelling in case the person falls sick. The policy covers the bill of the hospitals, lost baggage, evacuation bills, flight cancellation and other such issues. It is a support to deal with the unforeseen situation while you are in a transit.
Yes, there is a case when your policy can be cancelled. The situation is when you don't travel to the country for which you have taken the policy. For proof, you have to show the passport to the insurance provider that you did not take the policy and they will return you the premium by deducting the administrative cost.
Single and multi trip- This depends on the frequency of your trips.
Single trip- It is valid for a single trip and for the fixed number of days.
Multi trip- This is a policy meant for people who go for trips quite often. Either for personal or business reason they might have to go again and again. So taking a multi trip policy is a good option as you do not need to visit the insurance provider every time and your maximum number of visits are covered in it.
For the single trip, the cover starts the moment you board the flight, train or bus. For the multi trip, the insurance covers many trips of the traveller. Coverage per trip can be thirty to sixty days.
Yes for the medical coverage of senior citizens there are companies which offer the policy. For the one who is above 70 and less than 85, the policy can be taken.
For taking a claim, all details regarding the problem you have gone through should be mentioned. In the case of medical issue, the name of the disease, along with the bills of the hospital, plus the prescription of doctor for the problem and medication is to be attached along. Even the clear name of the patient should be there. Other than this the company can ask you details which you need to provide.
When the person buys a policy, E card is given by the company. You need to register on the number mentioned on the E card to avail the treatments. Every insurance company has its authorised agency working in a foreign country who settles all the overseas claims. Usually, the cashless treatments are for the inpatient treatment and nor for the outpatient ones.
Yes, this facility is available. You can buy using the international debit or credit card. The soft copy of the policy is a valid legal document and proof of the travel insurance cover.
Any individual who is more than three years and less than eighty years can take a policy. However, it may vary for different companies. For taking the policy the condition is that the trip should commence from India.
Usually, the policies offer coverage from the minimum of one to four day. It depends on the insurance company actually.
Usually, For some companies taking a medical test is mandatory. However, companies like HDFC Ergo do not ask for it.
Foreign nationals working in India with Indian employers of multinational companies and getting the salary in Indian currency can be covered.
It is a pre- departure coverage which reimburses the insurer if due to some reasons the trip gets cancelled. The reasons for cancellation can be natural disaster, injury, illness etc.
Yes, the insurer will settle the claim once the person back expects for the case of hospitalisation.
If the carrier through which the insured is travelling is hijacked then the insurance company will pay compensation to the family of the insured for the fixed number of days.
Yes, the loss of passport is covered in the insurance policy. Also, the expenses incurred to get a duplicate passport are covered in it.
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Aggregate Rating for Travel Insurance [ 29 ]
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