Check out these top travel Insurance policies in India before planning your next trip


Check out these top travel Insurance policies in India before planning your next trip

Travel Insurance

Travel Insurance is offered by the insurance companies in India to protect you from the unforeseen troubles or emergencies that may come your way while you are traveling abroad. 

It is highly advised that you give priority to getting a valid travel insurance policy before you go on your travels. A travel insurance policy will protect you from losses that may end up putting a financial burden on you. It will provide a cover in case of the following: 

- Medical Expenses

- Personal Accident

- Loss of Passport

- Loss of Checked-in Baggage

- Theft/Loss of Personal Belongings

- Trip Cancellation & Curtailment

A travel policy will come to your rescue in any kind of adverse situation. It ensures that you stay safe and not worry about anything while traveling.

It is crucial that you should compare the different travel insurance policy options and then buy the one after customizing it as per your requirements.

Also read:- Enjoy a vacation at the Mini Maldives Near Kochi for an Underwater Stay For Just Rs 4,622/Night

Important Features of Travel Insurance Policies in India

A travel policy is designed to serve the needs of all travelers depending on the type of travels and protect them against any financial losses in case of a mishap. 


  1. Emergency Hospitalization & Medical Treatment
  2. Compensation for Flight-Related Adversities 
  3. Cashless Hospitalization Facility
  4. Customized Policies for Senior Citizens
  5. Available for Frequent Flyers
Types of Travel Insurance Plans in India

It is important to understand the different types of insurance policies available in India to the travelers. Each of these has been designed to serve the needs of the people. Different types of travel insurance policies in India:

Based on Geographical Border:

  1. Domestic Travel Insurance

It is meant for the people who are traveling within the geographical borders of India. It protects the individuals and the families traveling within the country from any financial emergencies. 


  1. International Travel Insurance

It is meant for individuals as we families traveling overseas. Many insurers even offer home insurance to the house of the traveler back in India. 


  1. Schengen Travel Insurance

It is a customized insurance policy covering the people who are traveling to at least one of the Schengen countries. It protects them from any kind of emergency that may lead to a financial loss.

Based on the Type of Travellers:

  1. Family Travel Insurance

This plan has been designed for those families who are traveling out of India. It covers the policyholder, his/her partner, and the dependent children. All the family members who are insured can avail the cover. 


  1. Senior Citizen Travel Insurance

It has been curated for the elderly. Travelers over the age of 60 are covered. It protects them from unforeseen financial emergencies.


  1. Student Travel Insurance

It is a customized plan for the Indians who are traveling overseas to study. It is available with an extended validity of over 2 years. 


  1. Corporate Travel Insurance

It is designed to serve the needs of the corporates who travel for business purposes. It usually has a validity of up to 1 year that allows the insured traveler to undertake several journeys. 


  1. Group Travel Insurance

It is an insurance plan designed for the people who travel in groups. Best suited for tour groups, industrial training, official tours or pilgrimage tours.


  1. Medical Travel Insurance

Offers extensive medical coverage to the travelers who have been insured. It also provides financial assistance in case of a  medical emergency while traveling internationally and may need hospitalization. 

Also read:- 10 places in the world where the Indian rupee will make you feel rich

Based on the validity of the Insurance Policy
  1. Multi-Trip Travel Insurance

Best for people who travel to multiple overseas places in a year. It offers the same number of benefits on each trip 

  1. Single Trip Travel Insurance

It provides protection to the traveler only for a single journey. It is valid from the start of your travel and ends with you returning back home. 

Best Travel Insurance Plans Offered by some of the Top Insurance Companies of India:
Buying a suitable travel insurance policy for your travels is an investment in itself. The peace of mind that you get is just another plus point. 
  1. HDFC ERGO Health Travel Insurance

- Eligibility Criteria: 6 months to 70 years

- Pre-Policy Health Check-up: Not required

Inclusions: 

Medical expenses

Loss or delay of check-in baggage

Loss of passport

Personal accident cover

Hijack distress allowance

Exclusions:

Traveling to primarily receive medical treatment

Claim arising due to nuclear war or radioactive contamination

Claims related to pregnancy, childbirth, abortion or miscarriage

Claims arising due to civil war, invasion, revolution

Claims arising due to riots or terrorism

Claims arising due to participation in adventure sports including scuba diving, mountaineering, etc.

  1. Bajaj Allianz Travel Insurance

- Eligibility Criteria: Up to 75 years

- Pre-Policy Health Check-up: Not required

Inclusions:

Medical expenses

Loss or delay of check-in baggage

Trip cancellation or delay

Emergency cash advance

Exclusions:

Claims due to use or abuse of intoxicants including alcohol

Treatment of self-inflicted injuries including suicide or attempt to suicide

Treatment expenses of mental disorder

Alternative treatment expenses

Claims related to pregnancy, childbirth, abortion or miscarriage

  1. Bharti AXA Travel Insurance

- Eligibility Criteria: 3 months to 60 years

- Pre-Policy Health Check-up: Not required

Inclusions:

Medical expenses

Emergency medical evacuation

Personal accident cover

Loss or delay of check-in baggage

Loss of passport

Exclusions:

Pre-existing diseases/ conditions

Treatment expenses of cosmetic surgery

Claims arising due to participation in adventure sports

Passport loss intimated after 24 hours of its occurrence

Partial loss of any item inside the check-in baggage

  1. Future Generali Travel Insurance

- Eligibility Criteria: 6 months to 70 years, 71 to 80 years (senior citizens)

- Pre-Policy Health Check-up: Not required

Inclusions: 

Medical expenses

Loss or delay of check-in baggage

Loss of passport

Personal accident cover

Exclusions:

Pre-existing diseases/ conditions

Claims due to use or abuse of intoxicants including alcohol

Treatment of self-inflicted injuries including suicide or attempt to suicide

Claims related to pregnancy, childbirth, abortion or miscarriage

  1. HDFC ERGO General Travel Insurance

- Eligibility Criteria: 6 months to 70 years

- Pre-Policy Health Check-up: For applicants above 70 years

Inclusions: 

Medical expenses

Loss or delay of check-in baggage

Loss of passport

Personal accident cover

Dental treatment expenses

Daily hospital cash

Flight delay

Hijack distress allowance

Exclusions:

Claims due to use or abuse of intoxicants including alcohol

Treatment of self-inflicted injuries including suicide or attempt to suicide

Treatment expenses of mental disorder

Alternative treatment expenses

Claims related to pregnancy, childbirth, abortion or miscarriage

  1. Religare Travel Insurance

- Eligibility Criteria: Up to 70 years

- Pre-Policy Health Check-up: Not required

Inclusions: 

Medical expenses

Loss or delay of check-in baggage

Personal liability cover

Double sum insured in case of hospitalization due to accidental injuries

Accidental death (common carrier)

Emergency medical evacuation

Repatriation of mortal remains

Pre-existing diseases after 2 years

Loss of personal documents

Trip cancellation or delay

Trip interruption

Compassionate visit

Flight ticket upgrade to business class

Exclusions:

A waiting period of 30 days for all hospitalization claims except accidental injuries

Claims arising due to participation in adventure sports

Claims related to pregnancy, childbirth, abortion or miscarriage

Claims arising due to civil war, invasion, revolution

Treatment of self-inflicted injuries including suicide or attempt to suicide

A waiting period of 2 years for specific illnesses

Dental treatment/ surgery expenses

Cost of contact lenses, spectacles or hearing aids

  1. SBI Travel Insurance

- Eligibility Criteria: 6 months to 70 years

- Pre-Policy Health Check-up: Not required

Inclusions:

Medical expenses

Loss or delay of check-in baggage

Loss of passport

Personal accident cover

Hijack distress allowance

Personal liability cover

 Exclusions: 

Claims arising due to participation in the military, air force or naval activities

Claims arising due to civil war, invasion, revolution

Claims arising due to participation in adventure sports

Claims arising due to involvement in criminal activities

  1. TATA AIG Travel Insurance

- Eligibility Criteria: Up to 70 years

- Pre-Policy Health Check-up: Not required

 Inclusions: 

Medical expenses

Loss or delay of check-in baggage

Loss of passport

Personal accident cover

Hijack distress allowance

Personal liability cover

Trip delay or cancellation

 Exclusions:

Traveling to primarily receive medical treatment

Traveling against doctor’s advice

Pre-existing diseases/ conditions

Treatment of self-inflicted injuries including suicide or attempt to suicide

Treatment expenses of mental disorder, depression

Claims arising due to radioactive, ionizing or hazardous activities

Claims arising due to civil war, invasion, revolution

Treatment of STD


Also read:- Plan your next vacation at this Homestay in Kullu, Himachal Pradesh