They say dreamers are the ones who have the ability to make their dreams come true. But in reality the people who put in efforts, dedication, and hard work, and have all the strength to overcome all the odds are at the ones whose dreams take shape.
Many people dream to take admissions into foreign universities and make plans about their futures but very few get through it. You applied to a university of your dreams and your hard work paid off. What next? The struggle does not end here. People usually consider even the smallest details while sending their child to a foreign land but don’t really spend much time in understanding the need for buying insurance. You never know what you may need in terms of medical emergencies or lost baggage while travelling abroad for education. To be prepared for all this it is always a good idea to spend some time to understand and buy Student Travel Insurance and compare the best travel insurance for your needs. Student Travel Insurance Covers the Following: 1. Hospitalization charges for any medical needs required in a foreign land. 2. Cases where you might lose passports. 3. Loss of baggage during transit. 4. Tuition fees coverage arising due to delayed flights. The coverage is provided for all of the above but is not limited to only these. 1. The Need for Student Travel Insurance While you are in a foreign land for studies you don’t want to be worrying about any financial eventualities. You want to have your complete focus on your main target- studies. To avoid all these impediments you should start your journey after buying the best travel insurance for your needs. 2. Coverage The student travel insurance policy covers all the important factors related to your stay during your education. Though the coverage might differ from policy to policy the basic ones remain the same: i. Medical Issues: The insurance covers the expenses occurring on account of any hospitalization. We all are aware about the cost of medical treatments in foreign lands. It is the last thing we want to worry about when it comes to our child’s health. To avoid all this it is always a better idea to have insurance in place. ii. Transit Delays: Student is paid monetary benefits as per policy terms towards the expenditures made due to delay in flights. iii. Loss of Passport: all the expenses made to get a new passport issued are taken care of by the insurance agency. iv. Property Damage by the Student: Expenses sustained in a situation where the student is liable to pay the damage cost to property or individual is taken care of by the insurance company. v. Empathetic Visit: The expenses incurred by the family members while travelling to visit the student in case of emergency are reimbursed by the insurance company. vi. Tuition Fees: If a student is on a sponsored education, the tuition fees will be paid by the insurance company in events of death of the sponsor. vii. Body Transportation: In event of death of the student, the charges for bringing the body to the country of origin will be endured by the insurance company as per the agreed terms. viii. Fraudulent Usage of the Cash cards: The fraudulent money used from the card will be reimbursed to the student in cases of theft and robbery. ix. Benefits towards Accommodation: The student is paid the charges incurred toward any accommodation except for his/her original place of stay during any emergency situations. x. Pathological Examinations: The charges incurred towards any pathological examinations are also covered under student travel insurance. The insurance coverage basically differs from policy to policy and the cover one has opted for. It is always beneficial to compare various travel insurance online before buying and buy the best travel insurance. Following Things Are Not Covered Under Student Travel Plan: 1. Any medical or civil situation arising due to drug overdose or occurred after alcohol consumption. 2. Any pre-existing medical issues which are not disclosed at the time of policy creation. 3. Any expenses occurred due to suicidal injuries. 4. Any loss of belongings due to negligence. The student insurance plan is a mandatory requirement in all the foreign universities. Any individual between the ages of 17 -35 years can avail this. Most of the universities emphasise on buying the student travel insurance from them and do not accept any other plan. They know the requirement of their land better and offer coverings based on these necessities. Many a times the admissions also get cancelled in absence of these policies as they are required before the commencement of academic sessions. However the premiums paid for the policies bought in the country of origin are cheaper as compared to the ones paid to the university bought policies. Student Travel Insurance is a necessity for foreign education and acts as a shield in times of any emergencies. For more details check PolicyBazaar Customer Reviews
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Traveling is one of the best stress busters you can think of. Any kind of travel, be it international or domestic, will always get you excited and in high spirits. The last thing you want to experience during travel is to face any kind of challenges which result in you losing your peace of mind.
When we plan for an international travel it is made mandatory by majority of the countries to have a travel insurance, but is it mandatory to have one while travelling within India? The answer is no! Though it is not mandatory to buy a travel insurance while travelling within the country, there is no harm in getting insured. There are many myths that people have towards domestic travel insurance and don’t feel the need to buy travel insurance: 1. They feel, to buy travel insurance for domestic flights they would have to shell out a good amount of money. Domestic travel insurance starts as low as INR 249 for a round trip. 2. Since the duration of domestic flights is less they think travel insurance would go waste. The kind of casualties- missed baggage, delayed flights, etc. domestic travel insurance covers will not look for flight duration and can happen anytime and anywhere. 3. They don’t understand the various covers that domestic travel insurance offers as they clearly do not read the documents. Sometimes you can even get an equivalent amount as your trip cost. Benefits of Buying Travel Insurance for Domestic Flights: 1. Reimbursements for Loss of Baggage While travelling in domestic flights, most of the times you would have checked in baggage. What happens if that is lost somewhere in transit, and you had all your important belongings in there? Domestic travel insurance covers the cost of your lost baggage and provides you a reimbursement for it. 2. Reimbursements of Lost Tickets Being technologically driven youth, it is highly impossible for you to lose your ticket as nowadays even tickets are digitalised. But let’s assume you lost your phone, your laptop crashed, how will you travel now? If you have a domestic travel insurance your flight ticket cost will be reimbursed. 3. Delayed or Missed flights Many a times it happens that due to some unavoidable scenarios we miss our flights or our flight gets delayed and as a result we miss out on the further connections. If we buy a domestic travel insurance we can avoid bearing all these costs as the flight cost plus your accommodation cost would be reimbursed. 4. Medical Treatments due to Accidents You are travelling to a new place and end up with an accidental injury. You would not want to spend that saved up money meant for ventures for this treatment? This is when domestic travel insurance comes in handy. It gives you cover for such consequences. 5. Death during transit Most of the people today have a health insurance which covers all the health related issues. But what if you do not have one? You can get a death cover by simply paying a nominal amount as low as INR 149 in addition to your flight ticket. You can get a cover up of to INR 1 Lakh. While it is convenient to buy domestic travel insurance, it is equally convenient to make the claim. All you need to do is call up the insurance company or visit their office, share the relevant travel documents and they will reimburse the claim as per policy terms. The only check you need to keep is to have all the relevant documents in place. While we have understood all the benefits of the domestic travel insurance, it is imperative to know what all is of its limits to avoid any negative experiences: 1. Domestic travel insurance does not cover any pre-existing medical issues and especially the cases where the flyer is not deemed fit to fly. 2. Any kind of harm or injury arising due to drug or alcohol consumption. 3. Participation in any kind of civil activities like riots etc. will not get you the cover. 4. Any kind of injuries arising due to terrorist activities are not covered. 5. Any expenses apart from medical are not included. 6. Any injury/death due to under water diving or any adventure sports will not be covered. While majority of the exclusions mentioned above are not covered under domestic travel insurance, few of them can be availed by paying an additional cost in the form of riders. Like you can buy an additional cover for adventure sports on top of your domestic travel insurance. While it is not mandatory to have a domestic travel insurance while travelling within India, there is no harm in taking precautionary measures. You can save on a lot of money later under various circumstances like delay in flights, etc., which will cost you a lot higher otherwise. For more details check PolicyBazaar Customer Reviews As of today, there are umpteen online travel insurance plans. The importance of travel insurance cannot be undermined. A proper travel insurance plan is one of the most important things while travelling within India or abroad.
Whether it is a business trip, a vacation, or any educational calling, it is always imperative to get hold of the most relevant insurance plan. Generally speaking, online travel insurance plans cover the following cases:
Is There the Facility of Cashless Hospitalization? So far as online travel insurance plans are concerned, it is important to note that there is the added facility of cashless hospitalization offered by many insurance policies. Needless to say, a standard travel insurance plan, generally speaking, covers all the medical expenses incurred during emergency while travelling abroad. Therefore, the concerned policyholder is usually recommended to collect his or her e-card from the concerned insurer before travelling abroad. Apart from that, it must be clearly remembered that so far as cashless hospitalization is concerned, it can be availed only in a network hospital. Additionally, it is important to carry the e-card, as mentioned earlier, because it is necessary in order to be eligible for any required treatment in a foreign land. Types of Online Travel Insurance Plans So far as online travel insurance plans are concerned, it may be useful to know of its types. The following are the types of travel insurance plans: Domestic Travel Insurance
International Travel Insurance
Student Travel Insurance
Medical Travel Insurance
Group travel Insurance
In Order to Choose the Right Policy and Cover So far as online travel insurance plans are concerned, it is essential to keep in mind the following features in order to be able to pick the most relevant policy:
For more details check PolicyBazaar Customer Reviews If you are travelling overseas travel insurance should be a crucial companion. Leading Insurance Companies in India offer comprehensive plans. You now have the option of buying International Travel Insurance online which allows you to get coverage overseas.
Consider Buying International Travel Insurance Online Indian Insurance companies offer accidental, emergency and health coverage. They will insure you against: • Trip Cancellations. • Loss of checked baggage or passport. • Medical Expenses. • Accidental death or disability. • Dental expenses. Some travel policies offer further benefits if you need extra protection. There will be an extra premium. A few conditions: • Third Party supplier insolvency. • The onset of existing medical ailments. • Accidental Dismemberment and Death (AD&D) cover. • High – risk or Adventure Sporting Pursuits. • Cover for travel to destinations with high risk or war zones. When you consider buying International Travel Insurance online it can generally be arranged when you book the trip. It will cover the extent of the trip. A multi – trip policy will cover an unlimited number of trips in a set time frame. There could be a policy for Corporate Frequent Travellers. Some policies offer higher and lower medical costs options. The higher ones are provided for countries like the US that have high medical costs. Some Travel Insurance Plans provide cover for burglary of your Indian home while you are away. Also, various travel policies will provide you with an Emergency Cash Advance. During emergencies such as theft of money or luggage the company will contact your relatives in India. Emergency Cash Assistance will be provided according to your need up to the specified limit. There is another important benefit of travel insurance. Your insurer will contact the relevant authorities if you are in trouble in a country where English is not spoken regularly. Typical Exclusions in Standard Policies – They exclude travelling to receive medical treatment, elective surgery, treatment for illness or injury caused by alcohol. Also, pre – existing medical ailments are not covered. Common Policy Features Eligibility – All ages between 3 months and 70 years and senior citizens 71 to 100years can access travel insurance. Policy Duration – The policy will include trips from 1 day to 360 days. Most Insurance Companies will provide coverage for 180days and extend it for a further 180days. Travel Insurance Advice When buying International Travel Insurance online it is essential that you check whether the policy covers overseas travel, domestic travel or both. Ensure that you purchase the policy from a genuine licensed broker or agent. Read the prospectus carefully to get to know what the policy covers. Buying International Travel Insurance Online When buying International Travel Insurance online it is important to compare travel insurance plans and choose the best policy. Policy Bazaar is a one stop platform where you can compare travel insurance plans with insurance companies in India. Immediate Claim Settlement with Cashless Options – Collect your E Card from the insurance company before travelling overseas. Insurance providers have agencies in overseas companies which will settle claims. This will be an advantage if you are already travelling abroad. Register with the E Card number to be eligible for treatment in the country you are visiting. You can get cashless hospitalization at a network hospital and it must be for inpatient hospitalization only. Online Applications When buying international travel insurance online: • You will need to complete the online application. • You can use a cheque, a debit card or a credit card to purchase Indian travel insurance. • When the transaction is completed you will receive an email with the transaction details. • The policy document will be sent by email or couriered (on request) to your Indian address. If the insurance company permits you can renew an existing policy by completing the relevant form. Approval will take time and is not guaranteed. If you are overseas you can use the customer outside India request and complete the online application. An App to Provide Travel Insurance Claims Travel – Ezee will pay claims for travel delays before the claim has been registered online. The app uses blockchain technology. If a flight has been deferred a third party will contact the insurance company so that the claim can be processed immediately. You will have to open the mobile append to enter your account details. The flight details must be entered previously on the company’s website. Arranging for Travel Insurance when planning an overseas holiday makes sense when considering what can go wrong. There are many benefits and a policy will cover health issues and other emergencies. Technology has made the Insurance Industry a more viable place to deal with and buying International Travel Insurance online makes sense. This also means you can purchase a policy while you are abroad. Compare Travel Insurance Plans and choose the best policy and you will be able to relax and enjoy your holiday. For more updates and News follow Policybazaar Youtube A travel insurance plan is a necessity for anyone who is travelling abroad for a short or a long period of time. A travel insurance plan is a sort of backup saviour plan that any traveller can fall back upon under varying situations.
While travelling, a traveller may encounter a series of problems that they were unprepared for. To give assistance and help to such travellers so that they may enjoy their trip the travel insurance plan was introduced. In the different travel insurance plans that are present all around the world, an individual can either opt for a single travel insurance plan that lasts for a couple of weeks or a long-term travel insurance plan that covers an individual for years altogether. There are also group travel insurance plans and annual travel insurance plans which are equally popular. Going Abroad? Get Yourself Insured! For those who are going abroad for any number of reasons it is important for them to get themselves a travel insurance plan. In fact, there are many countries around the world that don’t allow tourists to enter unless they have a travel insurance plan to back them up in any number of situations. Why should you buy a travel insurance plan for your next trip abroad? Here are some reasons why:
How to Find the Best Travel Insurance Plan Online If you are looking into buying an overseas travel insurance plan then there are many plans that are offered by a number of companies all across India. There are comparing sites online where all the travel insurances are listed one after another. All the features, inclusions and exclusions are all presented in such a way to make the experience of the person who is buying more easier. Each and every travel insurance plan that is present online is different from one another in terms of the inclusions, exclusions, price, premium and the other additional features of the plan. An ideal travel insurance plan should include the following:
Travel insurance plans are divided into a number of categories and sub-categories as well. This indicates that there are different types of travel insurance plans that are present in the market. There are travel insurance plans that are meant for a different variety of reasons. Types of Travel Insurance Plans Available Travel insurance plans are divided according to the age group of the individual who is travelling and the frequency of the travel insurance plan. Travel insurance plans for students are different from travel insurance plans that are made for senior citizens. There are special travel insurance plans that are made for those individuals who travel very frequently in a year. These plans are called annual travel insurance plans and are meant to cover every trip that the person insured takes within the course of a year. This saves the hassle of constantly buying a travel insurance plan over and over again for different travels. The travel insurance plans that are meant for students are to cover the travel expenses and the medical expenses of a student throughout the course where he/she is abroad for studies and other purposes. Senior citizen travel insurance plans are for those who are above the age of 60 years. These plans have special inclusions that are meant to cover the special needs of the elderly as well. The senior citizen travel insurance plan is specially tailor-made for every insurance buyer. For more updates and News follow Policybazaar Youtube Channel If you are travelling abroad, then getting good international travel insurance plans is one of the most essential part of preparing for your trip. In fact, a lot of foreign countries have made it mandatory for people to have international travel insurance plans before sanctioning their travel visa.
So do not put off buying travel insurance till just before you are going to travel. With online travel insurance plans being very easily available these days, getting one is not difficult at all. But choosing from the plethora of options that you have in the market can be quiet daunting. So read this to find out the things you should pay attention to while doing your online comparison of international travel insurance plans so that you are able to choose the best international travel insurance plans for yourself and your loved ones. Access a Reliable Website to do Comparison for Travel Insurance Plans First and foremost, you should access a good website where you can do reliable comparison of online travel insurance plans. Make sure that you visit a reputed website which has good reviews and good standing in the market. This is crucial so that you do not get hoodwinked into anything unsavory due to misinformation or misrepresentation of details and facts. Again, do use features such as filters that are available in policy comparison websites to make your search easier. Read Policy Coverage for your International Travel Insurance Plans Once you have accessed the website for comparison of online travel insurance plans, determine the extent to which you would want to have your travel covered by the insurance plans. This would be determined by three factors: • Your Destination The place where you would be travelling to, should figure prominently in deciding what sort of online travel insurance plans coverage you should get. For example, if you are going to some place that has bad weather that could possibly lead to delays and cancellations of flights or trains, you should get online travel insurance plans that would cover for this. You may like to read : Travel Insurance: Do You Really Need It For An International Holiday • What You Plan to Do at The Destination? The kind of activities that you would engage in at your destination should also factor prominently in deciding your coverage extent and subsequently, your premium paid. For example, if you are planning a holiday where you intend to take part in adventurous or risky sports and activities, you should ensure that you are covered for anything untoward that could happen. • Your Specific Needs Along with the above, there would be various reasons specific to you that would determine the extent of your online travel insurance plans’ coverage. These reasons could be health related or other reasons. Find Out Eligibility Criterion for International Travel Insurance Plans Before finalising which international travel insurance plans India to buy, always check the eligibility criterion of the plans. Knowing whether or not, you or your family is eligible for online travel insurance plans for family or individuals, would give you a good idea of the available plans that you can choose from. Especially if you are travelling with older individuals, do research online travel insurance plans for senior citizens properly. Read the Policy Inclusions and More Importantly, the Policy Exclusions Be meticulous in reading all the terms and conditions of the international travel insurance plans you compare and thoroughly go through the policy inclusions and exclusions of different plans. • Policy Inclusions Policy inclusions can usually be divided into the following categories: inclusion related to cancellations for flights and hotels etc., inclusion related to medical treatment, evacuations or hospitalisations, loss of baggage or delays in travel, along with inclusion of other benefits such as free car rentals or discounts etc. So do read all the policy inclusions while comparing. • Policy Exclusions Being aware of the policy exclusions is even more crucial than knowing about the inclusions. Having a clear idea of what you would not be covered for would let you have a clear idea of the shortcomings and rewards associated with different plans. Do All the Paperwork Properly Once you have decided which insurance policy to purchase, be careful while filling up the details of your policy. Ensure that the dates you provide are correct and so are details such as flights numbers and timings. Having all your paperwork would make your work extremely easy in case you have to file a claim later. Once you have filled all the details and made your payment, you are ready and insured for your international travel. Double check the date from which your travel insurance would come into effect and the date on which your coverage finishes. For more details check PolicyBazaar Customer Reviews & Ratings 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 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 |
AuthorInsurance and financial manager. Archives
May 2018
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