Travelling, whether for business or pleasure, can be a very exciting and pleasant experience. But the preparation for travels is usually a stressful time. You would spend a lot of time and energy in planning ahead for your stay, your luggage, and the itinerary of your trip, as well as taking care of the transportation to and from your destination.
But very often, the crucial factor of domestic travel insurance in India is overlooked completely. Having the best travel insurance should not be considered as an addition but as a necessity. Below we discuss why you should buy travel insurance and how. Importance of Domestic Travel Insurance in India
With domestic travel insurance in India, you have the peace of mind in knowing that if there are problems which arise during you trip, then, depending on the coverage of your insurance, they would all be taken care of. This can lead to a smoother travel experience. Again, you often overlook how travelling can leave your exposed to a variety of factors, such as unfamiliar places or spaces, without a support structure to ensure help and security. So having the benefit of domestic travel insurance in India in such a situation can be a very comforting feeling, which allows you to go about your daily travels without being paranoid of losing something or facing unforeseen circumstances.
The best travel insurance would cover for any medical conditions that you encounter in the course of your travel. Thus, some insurance might cover the expense from any illness or hospitalisation costs.
There could be situations in which you might need to be removed from one hospital to another due to medical conditions etc. In such cases, your domestic travel insurance company in India would cover your expenses.
These are very routine but nevertheless, serious issues around travelling. Having the best company for travel insurance in India would ensure that these problems, which arise very often, do not affect the experience of your travel. How to Choose the Best Travel Insurance? Remember that when you are looking at best travel insurance India or best travel insurance reviews, you should be looking for the right travel insurance to fit your precise requirements. Travel insurance that is great for someone else might not be for you. So remember to think about your specific needs first and foremost. Following are some important points to keep in mind while looking for the best travel insurance company in India for you.
If you would be carrying lots of expensive electrical gadgets or would be travelling with valuables etc., naturally you should look for a domestic travel insurance in India which would offer your trip higher protection and higher coverage. Along with this, you should also think of your health condition as well as the destination you are travelling to. Usually pre-existing medical conditions or pregnancy etc. would not be covered by your travel insurance but it could ensure that if you fall sick and need medical aid while traveling, you would have an appropriate safety net. Along with this, what kind of activities you would engage with in your trip, should also determine the kinds of coverage that you would need.
You should be more aware of what your domestic travel insurance does not cover compared to what it covers. Knowing what your coverage does not include can help you in remaining vigilant and making an informed decisions about how to spend your trip. So, you have to be aware that even the best travel insurance would have certain limitations which might create issues for you later if you are not aware of them from the very outset.
Make sure that you read all the terms and conditions of your domestic travel insurance, and you are familiar with the clauses of the agreement that you would be signing. Even when you are purchasing the best travel insurance in India, there might be some clauses that do not agree with you. Therefore, be an informed customer and read everything thoroughly before buying a domestic travel insurance India.
Ensure that you are aware of the time frame within which your domestic travel insurance in India comes into effect. Do not wait too long or too little, such that your insurance coverage gets affected. Always ensure that you read good reviews and do policy comparisons online before buying your travel insurance. For more updates and News follow Policybazaar Youtube
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At least once in their lifetime, everybody plans for that perfect vacation. Be it that romantic walk in Paris, chasing those Northern Lights in Ireland or that Shikara ride in Kashmir.
You want it to be all perfect without any glitches. You plan for all the flight bookings, hotel reservations, local sightseeing and what not. But have you ever wondered you leave the most important planning aspect behind or rather ignore it completely for domestic travels. That important aspect is your buddy travel insurance. For any international travel it is mandatory to have travel insurance but the same is not the case for domestic travels. With so many options available for travel insurance online it is very easy to choose domestic insurance plans. Travel insurance provides you a shield against missed or cancelled flights, lost baggage, hospitalization, lost passports or travel documents. By shelling in some extra money you save so much more and have a hassle free vacation. Since there are so many options available, it is very convenient to book travel insurance online. Depending upon your needs and travel, you have domestic insurance plans and international insurance plans. Before buying any travel insurance plan you should always check for the below mentioned points: 1. Destination The coverage provided by any travel insurance plan online or offline is always dependent upon the destination you are travelling to. The insurance plans are basically designed keeping in mind the service one might need in any country. For example, the travel insurance premium will be higher where medical facilities are more expensive. In order to get the best benefits out of your insurance, always research about your destination well in advance. You may like to read : Best Travel Insurance Plans India 2018 2. Length of Your Stay Before buying any travel insurance policy online, always consider your travel frequency. The cost of premium is always higher in long duration of stay as the administrative cost is significantly higher in such cases. If you have frequent trips pre planned it is always better to opt for annual policies. 3. Activities During Your Vacation Plan out for the type of vacation you intend to have - a relaxed vacation or one filled with adventures. Depending upon the activities you will be doing, you should choose your insurance plan. Let’s say if your intention is to go for some adventure sports it is always beneficial to explore travel insurance online to get added coverage. For any domestic travel insurance plan you will have to buy any added cover for these activities. 4. Claim Process While choosing any travel insurance online, always make yourself familiar with their claim process. You should keep all the travel documents and contact numbers handy in case you have to make a claim urgently. Also note the claim process for both domestic travel insurance plan and international plan will be different from each other. Different travel insurance policies provide you different types of coverage: 1. Trip Cancellation and Lost Baggage This can be the biggest nightmare for any traveller. Your entire trip will come to a halt. To avoid any such issues this is covered under your travel insurance. This coverage will enable you to get the refund on the cancelled flights and avoid monetary losses. Lost baggage and trip cancellation is available even for domestic travel insurance plan. 2. Protection from Theft The last thing you want to experience during your vacation is the theft of your belongings. Today we usually travel with so many high end equipments, like laptops, phones, cameras, etc. Before purchasing any travel insurance online, always make a list of all these items and evaluate their cost. 3. Value Added Plans There are various travel insurance policies online which provide you added benefits at a very nominal cost. Like the comprehensive policies that offer you additional coverage for rental car accidents. 4. Accidents under the Act of Alcohol and Drugs While buying any travel insurance online, always research about their inclusions and exclusions carefully. Most of the domestic travel insurance plans and also international plans do not provide any coverage for health conditions or accidents which happen under the influence of alcohol and drugs. Any such pre-existing medical conditions should be reported earlier in order to avoid cancellation of your policy. Different insurance companies have different plans and it is always better to enquire about your requirements beforehand. The premium for the policy depends upon the age of the most elder person traveling; it is always advisable to purchase a separate plan for any traveller above 65 years of age as the premium is usually high for senior citizens. Travelling is a form of making memories and nobody wants to have sour ones. A well planned and executed trip will help you make beautiful travel memories which you will cherish for the years to come. For more updates and News follow Policybazaar Youtube What is Travel Insurance?
Risks Covered by a Domestic Travel Insurance Policy
What Does a Travel Insurance Cover Exclude?
You may like to read : Best Travel Insurance Plans India 2018 Reasons to Buy Travel Insurance
Travel Insurance is Really Good! Yes it is! It is one of the most important aspects of a tour, which most people ignore and then suffer during the trip. So, next time you plan a trip, do the following things: book your dream flights, book your dream hotels, book your dream cars, book the best domestic travel insurance policy available on the market and of course, HAVE FUN! For more details check PolicyBazaar Customer Reviews Don’t fret and cuss if you have somehow forgotten to buy a travel insurance policy in the pre-departure mayhem. It may be of some comfort to you to know that hundreds or probably thousands of travellers forget this important piece of paper. So you are not alone!!
All is not lost – you can still buy overseas travel insurance plans even though you are overseas. You can easily buy travel insurance online from a few specialised sites that provide you with insurance cover while you are away from home. These plans cover all emergencies like a normal insurance policy that you purchase before your departure. People do tend to forget this important document in the excitement of a long awaited holiday or a business trip at short notice. Ideally, travel insurance must be purchased at the time of booking your holiday to avoid any panic and confusion. Frequent flyers who travel for business across countries may consider buying annual travel insurance policy – that is one less thing to remember. Make Overseas Travel Insurance Plans Part of Your Travel Plans Some countries do insist that travellers coming into their country should be covered by a travel insurance policy. However, it is in your interest that you should have an overseas travel insurance plan to cover any eventuality. You may like to read : Is Travel Insurance Compulsory for Travelling Abroad? The only three documents in the minds of traveller are the passport, visa and ticket. Some, especially first time travellers are not even aware that they can buy travel insurance for any emergencies abroad. Many Insurance Companies Offer Travel Insurance Policies There are several reputed travel insurance companies like Bharti AXA Travel insurance, Bajaj Alliance travel insurance, Religare Travel insurance, Apollo Munich, TATA AIG, HDFC ERGO, Cholamandalam Travel insurance, SBI Travel insurance and more. It is Advisable to Buy Insurance Before You Go Overseas Most major insurers advise travellers to book their travel insurance at the time of booking their holidays or business trips. The last point when you can buy a policy is generally just before customs and before you board the aircraft. However, there a few insurers do offer insurance policy when you are abroad. You can also extend the policy is you are required to extend your stay abroad. Obviously, you cannot get cover for mishaps and injuries that have already occurred to you before buying your policy. Apart from this, the insurer offers the same comprehensive cover as any normal travel insurance. However, there may be a waiting period of anything from 48 to 72 hours before the policy comes into effect. Some insurers will also allow emergency situations to be included without the waiting period. A Range of Overseas Travel Insurance Plans There are different types of overseas travel insurance plans depending on your requirement. Pick the one that most suits your requirement. The different types of overseas Travel insurance plans include: 1. Overseas travel insurance Plans: Apart from standard coverage, this policy also gives you a comprehensive cover from risk of deportation, hijack, personal and medical emergencies for the duration of your travel. 2. Medical Travel Insurance: This policy is issued to cover health and medical expenses in case of any medical emergency, evacuation or transport of remains and other emergencies as mentioned in the policy. 3. Student Travel Insurance: Students who travel abroad for studies have travel insurance that covers loss of passport, medical emergencies, disruptions in their studies and other unforeseen mishaps. 4. Corporate Travel Insurance: This policy is ideal for business executives who travel frequently on domestic as well as on international trips. 5. Senior Citizen Travel Insurance: This policy is (as the name suggests) for senior citizens above the age of 61 years. This policy also covers dental care and cashless hospitalisation for the period of the policy. 6. Group Travel Insurance: This insurance plan provides cover to groups travelling together and includes emergencies during the validity of the policy. This policy is comparatively cheaper. 7. Single or Multi Trip Insurance: Single trip insurance travel covers you for one trip whereas multi trip travel insurance covers you for your medical and personal emergencies during your trip. 8. Family Travel Insurance: This policy is ideal for families going on international tips. All members of the family who are insured are covered for any eventuality that will occur during the trip. Although options are available to buy overseas travel insurance plans, it is advisable to buy one of the above-mentioned policies well before your travel to avoid last minute scramble and confusions. Make your trip memorable by putting this purchase on your ‘to do’ list of thing to be done before your trip. Bon Voyage !!! For more updates and News follow Policybazaar Youtube Studying abroad scenario seems very catchy and exciting at the very first glance, but the road is not as smooth as one thinks of it. While studying abroad there may arise some unanticipated issues, which are difficult to handle.
If you do not make any preparation for dealing with situations beforehand, you may end up regretting it later. So, before making preparations for your journey, you must search and opt for the best student travel insurance plan for sure. What Is The Need for Student Travel Insurance? Are you still wondering why the hell do you want this insurance plan? Well, there may be a number of conditions, which may require you to have a best student travel insurance plan with you. Think of the possibility - you get sick and want treatment. Do you know that you can get a refusal for your treatment for not having any insurance plan with you? This is only one condition, there may be a number of conditions, like
All of these conditions require you to have an insurance plan with you. In all of these conditions, none other than a best student travel insurance plan can help you like your best buddy. So protecting yourself with a best student travel insurance plan is very important. It is not a luxury, but a necessity. How To Select The Best Student Travel Insurance Plan? Some countries have made it compulsory to carry insurance with you while pursuing global studies. This compulsion has laid a burden on the students of selecting the best student travel insurance plans for them. So if you are searching for the best student travel insurance plan for you, follow the below-mentioned tips while selecting the travel insurance plan for you. It may help you to a great extent. Check School/College Sponsored Group Policies: Some universities and colleges have an international insurance plan and they provide it to every student who comes from abroad. It is necessary to check if your school/college gives you such an international insurance. If they give, it’s a good thing for sure, but you cannot completely relax. You should verify the limits of the policy or the coverage given by it. If you are badly injured or if you are having some serious illness that requires frequent visits to the hospital, the policy limits of the international medical care may be too low for you. So check the policy limits and coverage offered before making any insurance decision. If you are not covered by your school/college with the international insurance plan, you will have to rely on your own for all of your insurance needs. While opting for the individual insurance plan, keep the following points in mind while making the selection. You may like to read : Child Going Abroad for Studies? Here's How to Buy the Right Insurance (A) Look For The Basic Medical Coverage Offered By Your Travel Insurance Plan: Some schools and colleges abroad have made recommendations about the minimum coverage that a plan should offer. It is very important for you to know that what minimum medical insurance coverage you essentially need. It is advisable that for meeting any emergency medical service or medical evacuation, your coverage should be a minimum of $100,000. (B) Add More To Your Basic Insurance Cover: It is well known that a basic coverage plan is cheaper. But the people who have faced some unexpected circumstances abroad suggest that you should add some extra bucks to get the best student travel insurance plan. It is because, in absence of such a plan, you may end up paying more from your pocket. (C) Search For A Good Combined Travel Insurance Plan: Combined travel insurance plan means that your insurance plan is not just limited to health insurance, but it has some good built-in travel insurance features. If you opt for such a combined travel insurance plan, you may get coverage for the lost luggage, delayed luggage, stolen or lost passport, abrupt closing of the tuition and other such common traveling problems. (D) Check The Limitations Of The Plan: Some insurance companies very smartly add some limitations and exclusions in their insurance plan for the students that study abroad. To get the best student travel insurance plan you should keep a keen eye on the limitations and offers made by any student insurance plan provider. However attractive price any plan offers, avoid plans which have high deductibles. (E) Take A Plan That Covers You In All The Countries: Sometimes you think that as you are going to a specific country for the study, you will stay there for a limited period only and you will not go anywhere else. But sometimes conditions arise that you have to travel to some other distant country or you have to extend your stay. So it is always better to opt for that insurance plan which covers you in all of the countries that you may travel. Conclusion The insurance decision depends entirely on us. Nobody wants a bad experience for any setback received while traveling. So it is always better to select such an insurance plan which reassures that it’ll pay when you need it the most. Opt for a better pan and not a cheaper plan, or you may end up shedding more money from your pocket. We wish you a safe and pleasant journey always for sure, but it is always better to be safe than sorry. For more details check PolicyBazaar Customer Reviews The Rise of Travelling in Times of Globalization
There has been a tremendous growth in the travelling sector in recent times, on the back of globalization, increase in the economic viability of international travel due to cheap holiday packages and last but not the least the rise of the wages in the global economy. Such is the affordability in travelling nowadays that it’s not surprising that an airfare from New Delhi to Chennai cost more compare to Bangkok. An International Trip Should be Remembered For Good Memories & Not For Disappointments An International holiday should be something to savor, to make memories which would last a lifetime. Travelling is a wonderful experience which not only broadens your horizons but expose you to various cultures and people. However, the success of your trip is not only confined to making the best itinerary, or getting the best accommodation deal but is defined by how delightful your trip was and how well you had covered for every unforeseen eventuality which could have soured your trip. In order to make a holiday a worry-free and cherished experience, it’s important you travel with a financial stability that comes with International travel insurance policy. International Travel Insurance Policy: A Succor During Travel Vagary No one wants to remember their international travelling sojourn for disappointment and setbacks. There are numerous International travel insurance policy’s which cover the traveler during times of medical emergencies and loss of baggage. Then there are policies which are tailor made for frequent travelers or for age groups, ranging from 6 months to 70 years. There are also policies which cover any pre- existing ailments, whose medical expenditure, without proper coverage, would be exorbitant if it relapses during an overseas trip. The Salient Features to Look Out For In a Good International Travel Insurance Policy
You may like to read : Travel Insurance Online for International & Domestic Trips The Benefits of International Travel Insurance Policy The outbound tourism growth in India has skyrocketed since 2014 due to relaxed visa norms and affordability due to strengthening of Indian currency vis-à-vis global currency values. The following are the benefits of a good International Travel Insurance Policy are as follows:
The Best Travel Insurance Policy Can Be Bought Online One can get travel Insurance policy from various sources like a travel insurance agency, directly from a cruise or airline or from various banks. The online travel insurance allows for an easier comparison of policies across a wide spectrum of parameters. The travel insurance premium is dependent on the extensiveness of the coverage, the number of people being covered and the duration of the coverage across geographical boundaries. According to the data collated by some well know travel agencies, medical expenses and accidents stands on top of the most covered travel insurance claims followed by luggage. All the insurance companies have their 24/7 customer care number to assist the inured or any prospective customer. In addition to this one can do online live chat through the insurance companies chatbots for instant assistance. International holidays are once in a lifetime opportunity, which should be remembered for all the right reasons. A travel insurance policy goes a long way in making sure you are prepared for any unfortunate events and enjoy the new moments with alacrity. For more updates and News follow Policybazaar Youtube Most of the people, on the very first thought, try to avoid the travel insurance option. They feel that they will be O.K. with everything on their journey, as they are fit, fine, and very aware and alert.
Remember, however smart and fit you are, while you are traveling, there are things which are beyond your control like lost luggage, ticket cancellation for any reason, medical emergency etc. So it is always advisable that you opt for some best travel insurance plans to make your traveling easy and enjoyable. But a confusion always looms over the head of new travel insurance buyers about which are the best travel insurance plans for their needs. There is no specific answer to this dilemma. The selection of the best travel insurance plans depends on the specific requirements or spending ability of the buyer. To know the plans, you can surf the internet and read about the different policies and their reviews on some specific trusted sites. People highly trust the policy bazar reviews for taking their travel insurance buying decisions. But before reviewing a particular policy, it is important for you to know what points you need to observe while evaluating any specific travel insurance plan. Here, I am enlisting some basic things that all the best travel insurance plans include. (A) Things to Look for in the Best Travel Insurance Plans: Medical Emergencies The general health insurance plans do not usually include the medical emergencies that occur when you are abroad. Those health insurance plans that claim to cover the medical emergencies that happen abroad have some hidden costs and cost you dearly, in case you get injured or something. Here is where the best overseas travel insurance plans fill in the gap. These plan give medical coverage for international travel. If you opt for any best medical travel insurance plan, I am sure that no hospital will ever turn you out or make you wait for the immediate treatment you want. Emergency Shifting to Any Other Hospital Sometimes such conditions arise that you have to be shifted to a specialized hospital for a specific treatment. Or at some other times, it may happen that you have to be immediately shifted to your native country for medical treatment and in that case you require a medical jet (which costs around $50,000). The best travel insurance plans cover all these possibilities in their travel insurance cover. So always look for the option of emergency evacuation in the travel insurance plans. Flight Delay, Trip Cancelation and Interruption Have you ever wondered about how much of your trip is refundable? Mostly, while planning the trip, people often book the train and airline tickets which are non-refundable and if something goes wrong, they often regret doing it. The best travel insurance plans assure that in case you cancel your trip, or if your train and flight delays and you get seriously upset by it, you get the maximum refund for it. There is a trip interruption insurance also which helps you to terminate the trip in the middle of the journey, for any of the reasons which arise during your traveling period. So, in all the best travel insurance plans you must look in for the refund option, in case of, travel interruption or cancellation. Lost Luggage and Theft You must have heard that while traveling through airlines, the loss of luggage may happen due to some unprecedented reasons. There are pickpockets which may take away your valuables very deliberately or your valuable electronics may get an accidental damage while traveling. For such conditions, it is advisable that you should purchase those best travel insurance plans which cover these costs. Such insurance will cover you for the cost of purchasing new clothes or options of reimbursement for the damage of electronic equipment etc. If you have many valuable things with you, you must consider taking a supplemental plan. (B) Important Considerations To Be Taken When Buying The Best Travel Insurance Plans Think about what you really want from the insurance plan: Give a deep thought about what coverage is important to you and what not. This is mind-boggling, but it is essential. If you are carrying some valuables with you, you need some other type of travel insurance and if you are medically sick, you need some other type of plan.
I hope that the article will really help you to search for the best travel insurance plans for you. No one travel insurance plan fits all for sure. Different needs require a different type of travel insurance. Identify your needs, search for the plan, read the reviews and then decide. We wish you all the luck while you travel. For more details check PolicyBazaar Reviews & Ratings |
AuthorInsurance and financial manager. Archives
May 2018
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