Check out top Insurance policies in India for planning your next trip
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 travelling abroad.
Travel Insurance
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.
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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.
- Emergency Hospitalization & Medical Treatment
- Compensation for Flight-Related Adversities
- Cashless Hospitalization Facility
- Customized Policies for Senior Citizens
- 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:
- 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.
- 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.
- 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:
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
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Based on the validity of the Insurance Policy
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
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:
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.
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
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
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
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
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
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
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
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