Travel Insurance

You can send a request mail to the insurer for extension of the 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 carrying insurance documents, at least you need to keep some important details like policy numbers, customer ID to claim and avail the benefits.

In certain countries, it is a necessary document required at the time of admission. However, It is not mandatory in India.

Yes, under most travel insurance, ambulance charges (pickup and drop both) are covered.

Travel insurance acts as a security 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 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. As an evidence, 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.

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 30 to 60 days.

Yes, for the medical coverage of senior citizens there are companies which offer the policy. Citizens between the age group of 70 and 85 can apply for a travel insurance policy.

All details regarding the problem you have gone through should be mentioned. In the case of medical issues, 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 with the clear mention of the patient's name in the documents. Other than this, the company can ask you details which you need to answer.

When a 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 treatment. Every insurance company has its authorized agency working in a foreign country who settles all the overseas claims. Usually, the cashless treatments are for in-patient treatment and not for the out-patient ones.

Yes, this facility is available. You can buy using international debit or credit card. The soft copy of the policy is a valid legal document and proof of travel insurance cover.

Any individual who is more than 3 years and less than 80 years can buy the policy. However, it may vary for different companies. For purchasing the policy, the condition is that you have to travel from India only.

Usually, the policies offer coverage from a minimum of 1 to 4 days. It depends on the insurance company.

Usually, for some companies taking a medical test is mandatory. However, companies like HDFC Ergo do not ask for it.

Foreigners working in Indian corporate companies and receiving their salary in Indian currency are covered under the insurance policy.

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 a natural disaster, injury, illness etc.

Yes, the insurer will settle the claim once the person back expects for the case of hospitalisation.

If the travel carrier of the policyholder is hijacked then the insurance company will pay compensation to the family of the insured for a specific period.

Yes, the loss of passport is covered in the insurance policy. Also, the expenses incurred to get a duplicate passport are covered in it.