Why Do You Need It?
Traveling has become an integral part of our modern society. We could be traveling for reasons like a business trip or much awaited vacation. But one cannot deny the fact that there are several things that could go wrong when one travels. Disruptions like cancellation of flights, loss of baggage, medical emergency- are some of the unforeseen events that could catch you off guard. So whether you are off to your favorite destination for a holiday or going on a business trip – an adequate & complete travel insurance is a must have.
Why choose our travel insurance
Our travel insurance plans are built on transparency, flexibility, and global reliability. We take the time to understand your itinerary and potential risks, offering tailored coverage that provides real protection when you are far from home.
Various plans are available according to every individual’s travel needs:
1) Corporate Travel Insurance
Under this plan, employees of an organization can receive coverage for both domestic and international trips.
2) Domestic Travel Insurance
In this type, coverage is offered for death, medical emergencies, permanent disability, personal liability, delays, and lost/theft of checked-in luggage.
3) International Travel Insurance
It gives a comprehensive coverage for medical costs overseas, trip delays, loss of travel documents besides the regular coverage.
4) Senior Citizen Travel Insurance
This plan covers people in the age group 61-70 years. Besides providing general advantages, it also gives cashless hospitalization coverage and dental treatments.
5) Student Travel Insurance
This comprehensive cover is suitable for expenses incurred because of medical treatment, study interruptions and passport loss.
6) Individual Travel Insurance
Under individual travel plan, insured is covered against trip curtailment, trip cancellation and theft.
7) Family Travel Insurance
It covers baggage loss, hospitalization expenses and other incidental costs. The claim disbursement is not difficult with less paperwork involved.
8) Multi Trip Insurance
This type of travel insurance is offered to frequent travelers so that they don’t have to apply for insurance every-time they travel.
9) Single Trip Insurance
As the name suggest, this type of cover is provided only for the duration of the trip. It also covers medical & non-medical emergencies along with baggage loss situations.
Key Features & Benefits of Travel Insurance
The basic worries of travellers include stolen baggage, lost passports, cancelled flights, and trip delays. These mishaps can spoil perfectly planned vacations. Our comprehensive plans ensure you don't let such incidences ruin your entire journey.
Key Features Include:
1) Medical Cover: Comprehensive coverage offered for emergency medical expenses incurred abroad.
2) Trip Disruptions: Financial safeguard and coverage for expenses related to unexpected trip delays.
3) Document & Luggage Security: Robust coverage for the loss of vital passport credentials and checked luggage.
4) Personal Belongings: Protection built for contingencies related to your valuable personal possessions.
General Exclusions & Standard Limitations
While travel and transit policies offer robust protection, certain conditions, incidents, and localized liabilities are excluded from standard baseline payouts. Customers should note that exclusions vary from policy to policy.
Pre-existing medical conditions resulting in emergency hospitalization.
Damage, misplacement, or loss of personal keys.
Losses, baggage delays, or injuries sustained because of voluntary exposure to civil unrest.
General ageing, wear and tear, and natural depreciation of personal transit baggage.
Losses or injuries sustained by a person under the influence of Liquor/Alcohol/Drugs.
Loss / Damage directly attributable to international War / Mutiny / Nuclear risks.
Frequently Asked Questions
Got questions about your travel protection? Here are the quick answers to what you need to know before taking off.
What are the eligibility criteria for Travel Insurance?
Anyone from infants aged 6 months up to seniors of 70 years old can easily avail of our travel insurance plans.
Are there any medical examinations involved?
No, there is absolutely no medical examination required for applicants up to the age of 70 years.
Is travel Insurance mandatory?
Travel Insurance is not mandatory for citizens departing India. However, it is strictly mandatory for entering the UK and Schengen Zone countries like Austria, Greece, Portugal, Spain, France, Germany, Belgium, Luxembourg, and the Netherlands. For a safe and peaceful trip, it is highly recommended to secure a policy regardless of your destination.
Is passport loss covered in the travel insurance policy?
Yes, passport loss is covered. It falls under the "Loss of Baggage and Personal Documents" benefit. Our assistance provider helps you contact local consular authorities to arrange and pay for its emergency replacement.
What does loss of checked-in baggage cover?
This covers the insured person for the actual cost of replacing articles if your checked-in baggage is permanently lost or damaged by the carrier. Please ensure you retain your original purchase bills/receipts for easy reimbursement.
How much cover do I need?
Your ideal coverage limit depends heavily on your trip duration and your age. Longer stays overseas exposure you to higher risks, which demands a higher cover limit. Similarly, senior age brackets would also demand higher maximum limits to offset medical costs.