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Travel Insurance is an insurance policy that provides financial assistance against unexpected emergencies during your travel. When you are on a trip whether individually, with friends, colleagues or family, there might occur some risks due to uninvited circumstances. During those times, travel insurance is the one which can secure you and your family from the financial burden. People often neglect this type of insurance as they do not find this as important as other life-saving insurances but this plays a crucial role at the time of emergencies for you and your family.
At PolicyX.com you can compare travel insurance policy from a wide range of products.
Nowadays, travelling is a part of everybody's life, it doesn't matter if you are travelling for leisure or work whether it might be travelling for adventure with friends, travel to spend quality time with family, or travel with colleagues or individually for work, etc. Well, we all love to travel but we should not forget the risks of life while travelling. Possibilities of unexpected situations can spoil the journey and cause distress creating an emergency situation.
But not to worry! Secure your trip with the help of a travel insurance policy. A travel insurance plan will help you in taking care of unpredictable situations during a journey. It will assist you in circumstances like loss of material, delayed flights, loss of necessary documents such as passport, medical emergency, theft of luggage, etc. that can lead to financial loss. Travel insurance is a blessing to travel around the globe without any worries. PolicyX helps you to purchase a travel insurance plan online with the help of free quotes and an unbiased comparison among top plans provided by best insurance companies in India.
Domestic and international travel plans are also available with a variety of covers for every type of situation. You should always compare travel insurance online to get the most affordable policy with great coverage.
To buy any insurance plan, the most important thing is to focus on the features of the same. Below are a few features that you will get with a basic health insurance plan. With the understanding of the following features, buying an effective health insurance plan will become easier for you.
Safety of Luggage
If your luggage got missing or delayed at the time of travel, this benefit will assure the security of the luggage and pays you back the amount for the same.
Comprehensive Cover
Several plans are offered by the companies for different groups of age of people including flight issues like cancellation and delay. You can enjoy the benefits of family floater under the plan.
In-house Fire & Robbery Benefit
While travelling abroad and nobody is there in the house to take care, this benefit is there to cover the losses and damages occurred due to fire or robbery in the house.
Healthcare Benefits
This benefit takes care of your health, injuries or other medical costs during emergency cases due to any reason.
Travel Benefits
The benefit acts as an advantage at times when you miss any connecting flights, or postpone the trips or even cancel it.
Add-On Benefits
various add-on benefits in the form of legal expenses and liabilities are offered by the companies such as if the passport gets lost.
Travel insurance differs according to various factors depending on the type of location, duration and a lot more. This policy provides coverage against all possible emergency affairs throughout the trip.
Let's have a look at the different types of travel insurance:
If you are traveling within India then you must go for domestic travel insurance. It covers all the personal emergency situations like loss and theft of baggage, cash in advance, medical assistance, financial support in an accident, etc. The individuals between the age group of 18 and 65 years can buy this plan.
International Travel insurance or overseas insurance is an insurance policy that will protect you from unwanted emergencies during your trip abroad. Every journey has its different necessities that is why this type of plan is useful when you are planning for a trip outside the country and at the time of booking trips, loss of luggage, cashless treatment etc.
Corporate Travel Insurance or business travel insurance is intended to cover working employees with the expenditure for any emergency at the time of a business trip. Corporate companies purchase this type of insurance for their employees to ensure the safety and security during travelling for work.
Student travel insurance policies provided the required coverage which helps to neutralize travel-related risks during a student's stay abroad for studies. The exact coverage varies from insurer to insurer.
As the name suggests, this insurance is basically for senior citizens between the age group of 61 and 70 years. Senior citizens have to face many problems as they are aged, so the companies considering their need for support have designed this category to cover various requirements such as dental problems, hospitalization, cashless treatments in addition with the other benefits of basic travel insurance.
If your travelling with your family including spouse and children, this plan is the best deal for you. This insurance is meant for the entire family of an individual and insures their security in the whole trip. It provides coverage for loss and theft of luggage, medical emergencies, injuries or accident, additional expenses during the trip.
Individual insurance is mainly for a single person or an individual covering him from travel related contingencies. Through individual insurance, you'll get coverage against trip cancellation, robbery in the house and a postponed trip.
Multi-trip travel insurance may be a kind of travel insurance providing extended coverage ideally for one whole 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 insurance is for a single trip only. The coverage provided in this plan are health emergencies as well as unexpected situations that can occur during the travel. Loss of luggage at the time of check-in is also included under the plan.
Company Name | Coverage | Key Features | Exceptions |
Tata AIG | Annual Multi trip Student Individual Senior citizen Family Floater | Coverage of cancellation or delay of flight, medical costs, hijacking, death. Coverage of pre-existing diseases Two-way compassionate visit Loss of checked-in luggage In-house fire & robbery covered | |
Apollo Munich | Individual Family Floater Annual Multi Trip | Advance Cash during emergencies Loss of checked-in luggage Cancelled or postponed flight Coverage for personal requirements | Pre-existing diseases are not covered No specific European/ Schengen plan |
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 luggage | In-house fire & robbery covered |
Bajaj Allianz | Annual Multi trip Student Individual Senior citizen Family Floater | Emergency cash advance Loss of checked in luggage In-house fire & robbery covered Two-way compassionate visit Coverage of bail bond | Pre-existing diseases are not covered. |
HDFC Ergo | Individual Family Floater Annual Multi Trip Student | Loss of checked in luggage Flight delay benefits Study interruption Treatment of mental and nervous disorder | Pre-existing diseases are not covered. |
It is crucial to know that the longer the period of travel the premium amount will also be much more than expected. In addition, if you plan for a risky trip having adventures, the amount for premiums will be higher. If it is a fun trip just for entertainment purpose then lower premiums will be applicable.
Before purchasing a policy it is important to check the market reputation of the insurance company so that you do not have to face any problems in future with the company and its terms and conditions or any other information. It is advisable to do some research before purchasing a policy.
The amount of the premiums will depend on the location your are planning to visit along with the associated risks with it.
It is very important to understand the coverage and benefits of your policy. Read thoroughly the information provided regarding your policy information along with the terms and conditions.
An individual above 35 years of age is considered to be more prone to danger than the person of 25 years, that is why the premium amount for the people more than 35 years shall be higher than the people under the age of 35 years.
It's simple, the higher the sum insured selected for a trip, the higher would be the mount for premiums. So choose as per your needs and do not exceed your financial estimates planned before going on a trip.
If you purchase a plan, you definitely might have some budget to purchase the same. Go through the expenses and costs and the cover provided by the company to their customers so that you can select for a plan that is available at an affordable price for you.
Kindly, before purchasing any plan make sure to check the CSR of the insurance company as it defines the ratio by which the company settles each and every claim of the policyholders. Greater the CSR, higher will be the chances of your claim settlement.
Travelling at different places with different people, friends, family or colleagues is excitement and fun. Trip to a new place and new faces around is a bit challenging for an individual where you may come along with some unexpected conditions that is where travel insurance acts as a saver against the circumstances. Any loss, theft, medical emergencies during the trip is covered under travel insurance. That is why it is important to compare and buy travel insurance.
Travel insurance guarantees to take care of your home as well when you are away and outside the country. The several advantages along with additional support from the insurance plans help a lot at hard times during travelling. To secure your trip and fight against any emergency, it is necessary to compare and buy travel insurance now!
PolicyX offers you a host of companies to choose the best suitable travel plan. You will get the lower premium rates from among the list of top travel insurance companies. We ensure that you will get all the features and coverage that you are looking for in a travel insurance plan.
What's more? We have a dedicated customer care centre that resolve your queries and make sure that they don't go unanswered.
Just click on the ‘Get Quotes' icon in the bottom-right of this page and fill some basic details to find your quotes by PolicyX. It will display all suitable plans along with their premiums in front of you within seconds.
I am a student travelling to foreign country to pursue higher studies. As a part of important documentationi got to know about the travel insurance. Was sceptical from where the good and genuine policy. My uncle sugested me policyX. I was amazed by the information provided to me and the right guidance which made me buy the insurance policy as per my requirement.
- Nidhi yadav, Vijayawada
My father is an aged person and he needed to travel abroad to visit my sister. While looking for travel insurance for elderly I cam across policyx where they have niely explained all the plans
- Raisa ghosh, Pune
I was facing problems in renewing my overseas travel policy because of some issues. The customer care team at PolicyX guided me at every step and I renewed my existing travel insurance pocliy within few minutes. Great customer service..keep it up
- Mehak Tyagi, Allahabad
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.
March 13, 2018
January 8, 2018
Me and my wife were travelling Austalia for our honeymoon. Travel insurance is must and I bought a good policy cover from policyx
January 7, 2018
Being a frequent traveler, I understand the importance of travel insurance. Policyx.com is a good portal to buy travel insurance policy
January 7, 2018
They have good options and many plans provide additional benefits as well.
January 6, 2018
PolicyX helped me choose the most appropriate travel plan
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Last updated on 31-10-2019
Kindly let me know the status of my policy claim.policy no.is 31030031170300059390 regard \nMobile no. 7906851591