Before starting your journey, there is an extensive list of things to be done applying for a passport and visa, booking tickets, packing your luggage and everything you need for a comfortable visit. be it a budget friendly vacation or a luxurious overseas trip, travelling holds a unique significance for each of us. With such meticulous planning, you would not expect things to go wrong.

However, any travel opportunity could expose you to some hidden risks – falling sick and getting hospitalized, losing your checked-in baggage, or facing a trip delay due to severe weather conditions.
An international travel insurance policy financially protects you in the case of lost passport, lost checked baggage, or additional hotel expenses, among other contingencies.

For you single trip or a multi trip travels, you can choose a customised international travel, insurance cover that will provide insurance coverage for various medical and non-medical expenses you may incur during your foreign trip. The overseas travel insurance will safeguard you against travel related inconveniences and free you and your travel companions from worries.

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Why Travel Insurance is Required

Travel insurance is designed for both leisure and business travellers. Business travellers who go abroad frequently can avail of multi-trip plans.

As the first step before you set out for your much awaited journey abroad, get overseas travel insurance in India and experience a safe trip without any financial worries. Following are various situations when international travel insurance becomes necessary. There can be many more scenarios when your travel cover would be needed.

Medical Emergency

Facing a medical emergency or hospitalization can be extremely expensive in other countries. Right medical travel insurance for international trips covers expenses, keep your safe.

Travel Inconveniences

Unanticipated events can add to the burden of your travel expenses. Travel health insurance will cover charges if you lose your luggage or passport etc.

Mandatory Requirement for International Trip

Various countries have made travel insurance mandatory.

What is Covered in Travel Insurance

Travel Insurance by most of companies cover multiple events, such flight cancellation, unexpected medical needs, loss of passport or lost luggage, etc. Here are the detailed coverages:

Medical Benefits/Covers:
  • Hospitalization cover: It covers various hospitalization related expenses, including in-patient and out-patient care in case of an emergency.
  • Daily Allowance if hospitalised: Some companies reimburse the daily expenses, for a specified amount per day, in case of hospitalisation for few days (not more than 4-5 days). Deductible applicable.
  • Dental Expenses: Accidental injury related dental expenses incurred during the trip can be covered, up to a specific limit.
  • Accidental Death: In case of unfortunate accidental death of the insured person on a common carrier/transport, the policy will provide death compensation to the family.
  • Compassionate visit: Few companies cover the flight expenses incurred for an immediate family member (mostly 1 person) in case the insured is hospitalised and needs such support.
  • Pre-existing Disease cover: Very few companies cover you for your pre-existing disease in case of any life-threatening condition.
Non-Medical Benefits/Covers:
  • Trip delays: In case of trip delays due to unanticipated reasons like an earthquake, or severe weather conditions, the expenses will be covered up to a defined limit for each block of 4-5 hours delay, subject the policy and company's terms & conditions.
  • Loss of checked-in baggage: Travel Policy will protect you by reimbursing a fixed amount in case of loss of checked-in or delays in receiving the luggage, as per the policy and company's terms & conditions.
  • Loss of passport: Losing travel documents can cause stress. Travel Policy will provide coverage up to a fixed amount on an aggregate basis for getting a new or duplicate passport.
  • Trip Extension: You do not bother about your extended trip in emergency, few travel policies provides trip extensions for 5-7 consecutive days.
  • Missed Connecting Flight: Travel policy help you with reimbursement of the additional accommodation and travel expenses if you missed a pre-booked flight, based on company's terms & conditions.

Exclusions of Travel Insurance

  • It is necessary for any traveller to opt for travel insurance when in India only and know what the plan will not cover. Please refer to the policy Terms and Conditions to know all about exclusions.
  • Any treatment or procedure that could be reasonably delayed until the insured perAny beauty/cosmetic treatment/or any reconstructive plastic surgery or such procedures.son's return to India.
  • Trip cancellation or interruption due to natural calamity not declared by the appropriate government authority.
  • Medical Treatment or surgery (whether invasive or non-invasive) using a robotic surgical system.
  • Expenses due to the treatment related to self-inflicted injury or attempted suicide or adventures sports/activity.
  • Any personal liability arising out of Breach of Law or any criminal liability due to such act.
  • Treatment expenses incurred related to any hazardous activity, under influence of drugs or alcohol, or expenses incurred due to consequences of war/nuclear perils or such situations.
  • Any liability arising out of a false arrest, wrongful detention, wrongful eviction, defamation, or mental trauma and shock resulting from such situations.
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