Travel Insurance

provides for emergencies that may arise during the trip.

Destination of travelling
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No. of Travellers
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Note: This trip is starting from India. All Members must be resident of india. (You, Spouse, Kids and Parents Only)

Travel Insurance Procedures and Services

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Travel insurance is still considered only as an option and most of the people hesitate to invest in Travel Insurance plans. The most uncalculated risks occur during travel and expenses on a foreign land can go awry if you do not have proper travel insurance. Proper investment can benefit you in many ways and you will never lose your investment as it can be reimbursed anytime.

NECESSITY OF TRAVEL INSURANCE

By investing in a proper travel insurance plan you are Assured of peace of mind and a worry free trip to a foreign land with an added advantage of the Policy serving as a precautionary measure against an unexpected crisis. The reasons are a plenty to invest in a travel insurance policy.

Following are the various risks involved in overseas travel:

  • Cancellation of flights.
  • Theft of passport and other documents and sudden need of extra cash.
  • Accident and medical needs.
  • A cover for all the Non-refundable expenses.
  • Emergency medical evacuations.
  • Lack of transport facility due to weather conditions.
  • Terrorism threats.

TYPES OF TRAVEL INSURANCE

  • Overseas Travel Insurance Plans
  • Student Travel Insurance Plan
  • Single Trip Insurance Plan
  • Multi Trip Insurance Plan

WHAT IS COVERED UNDER TRAVEL INSURANCE?

  • Cover for Health Expenses
  • Loss of Baggage Cover
  • Legal Support Cover
  • Death and Funeral Expenses
  • Emergency Medical Evacuation

WHAT IS NOT COVERED?

  • Self inflicted injuries
  • Involvement in war or crime
  • High Risk sports like skydiving, bungee jumping or participation in any other bodily contact sports
  • Cancellation of trip due to personal reasons like improper health condition

PROCEDURE FOR CLAIMS UNDER TRAVEL INSURANCE

1.HEALTH COVER [CASHLESS SERVICE]

  • provide policy and passport details.
  • produce necessary documents to avail the cashless benefit
  • claim may be approved or denied after validating the documents.

2.HEALTH COVER [REIMBURSEMENT]

  • provide policy and passport details.
  • maintain a record of all medical bills and the expenses made. Undocumented expenses will not be reimbursed.
  • provide copies of test reports
  • submit any supporting documents along with the Claim form to avail the reimbursement.

.LOSS OF BAGGAGE

  • Provide policy and passport details.
  • List of articles lost
  • Proof of ownership for articles that cost more
  • Letter from airlines as proof of baggage loss
  • Baggage coupon and property irregularity report
  • Claim form with any other valid supporting documents if any

4.PERSONAL ACCIDENT

  • Copy of FIR
  • Post-Mortem Report
  • Death certificate and legal heir certificate [in case of death]
  • Claim form along with a copy of all hospital reports

WHEN TO INVEST IN TRAVEL INSURANCE PLANS

Travel policies are many and are crafted to suit the travel habits of every individual. Frequent business travelers can invest in annual travel plans at the beginning of every calendar year. Short trips can be Insured under easy travel plans that cost less and made instantly online. Investments must be made as a part of your travel procedure and policies must be taken at least three days before travel.

BENEFITS

  • Comprehensive Coverage with minimum paper work.
  • All kinds of emergency assistance anywhere around the world.
  • Reimbursement on actual losses during travel.
  • Facilities like Cashless Hospitalization and free medical evacuation.
  • Hassle free travel and loss reimbursement.

COMPARE AND CHOOSE

Travel insurances have different complexities regarding different types of tours and the nations to which you travel. Therefore identifying the optimum plan that suits your travel needs is important. Investment in travel policies that do not offer any proper cover is a huge risk. Your travel agents might have suggestions regarding the ideal tour package and insurance policy. Consulting and deciding before investment is always safer than blindly agreeing to your overall tour package. And if you are a frequent traveler you have special policies which are more economical.

THINGS TO REMEMBER

  • Choose a suitable policy that suits your travel habits and covers the necessity aspects.
  • Compare your actual trip cost and your travel insurance package and ensure that it is worth investing.
  • Consult a travel agent or an insurance consultant to decide the ideal insurance policy.
  • Do not invest in a separate policy if your Health Insurance covers travel requirements.