Travel Insurance
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Travel insurance provides financial protection and assistance during your travels. It typically covers unforeseen events such as trip cancellations, medical emergencies, lost or delayed baggage, and emergency evacuations. The extent of coverage varies based on the policy and can be customized to include specific concerns like adventure sports or pre-existing medical conditions.
Medical Expenses Cover- In case of an unexpected illness, accidental injuries, or death, the overseas medical insurance policy will cover medical expenses faced abroad.
Loss of Baggage Cover- Coverage will be provided if your plan has the benefits of international flight insurance and your airline damages or misplaces your baggage after checking in.
Passport Loss Cover- In case of loss of passport or essential travel documents during your vacation, your overseas holiday insurance also covers a reimbursement of the cost incurred on obtaining a fresh or duplicate passport.
Personal Liability- If you buy foreign travel insurance online, you will get help if you involuntarily result in damage or injure a third party or their property.
Medical Evacuation- Medical expenses incurred due to emergency evacuation to the nearest hospital for immediate treatment are covered under insurance for traveling abroad.
Repatriation Cover- In case of a sudden demise, the expenses for cremation and transporting the mortal remains to the family members back in India are covered by overseas trip insurance.
Dental Cover- Any emergency dental treatment taken due to an injury or acute pain during the trip is covered.
Hijack Risk Cover- A Hijack distress allowance is granted if the flight you were traveling abroad or vice-versa is hijacked for more than a certain number of hours.
Trip Delay- Any delay in the commencement of the trip due to an unavoidable emergency, such as a family member's hospitalization or a natural calamity, etc. is covered by international insurance for travel.
Delay in Baggage Arrival- Reimbursement of expenses incurred on essentials due to the airline's delayed delivery of your check-in baggage.
Home Burglary Insurance- Compensation for losing valuables is provided if your house is burgled during your international trip.
If the passport loss complaint goes unregistered with the police authorities, the damages or loss incurred won’t be covered.
There wouldn’t be medical cover if the pre-existing diseases were not disclosed/ declared before the international travel insurance policy commences.
Expenses or any loss incurred from mental incapability, depression or under the influence of alcohol or drugs, or any suicidal attempt.
Venereal diseases and patients with HIV/AIDS
Also, if you are traveling against the recommendation of your healthcare provider.
If you are diagnosed with any life-threatening diseases before your travel
Casualties or damages due to war or nuclear threats in the concerned country
Claiming under most overseas travel insurance from India is easy. You should inform your insurer during an emergency or take medical assistance while traveling. Claims not intimated to providers within a time frame can be rejected. Insurance providers will also ask you to submit claim forms with your personal and journey details.
In case of a cashless claim:
Intimate the EAP (Emergency Assistance Provider) about the eventuality
Request a pre-authorization letter from the insurer
The insurer will send the pre-authorization after verifying the claim
Receive treatment for your injury/ illness
Get discharged from the hospital
The hospital bills will be settled directly by the insurance company
In case of reimbursement claim:
Inform the EAP regarding the contingency at the earliest
Arrange all the supporting documents required
Submit the supporting documents
The reimbursement will be credited to the bank account or issued a cheque if your claim is approved. Depending on your international trip insurance policy, you can also file for claims online via mobile apps, helpline numbers, and other means.