Travelling to different places comes with a lot of preparation – need to buy tickets, arrange accommodation, plan tours and so on. With all these preparations you also need to take care of the security of yourself and the valuable stuffs you carry such as camera, laptop, mobile phone, etc.
Travel safe and without worries with the right kind of travel insurance. Travel insurance plans provide shield against unforeseen disturbances and hassles. Scopes of the Best Domestic Travel Insurance Policies Domestic travel insurance plans cover your wellbeing through the entire duration of your journey. Not only it takes care of your personal security throughout the trip but also gives protection to your belongings against theft, damage or loss. No matter whether you travel within your own country or making a trip to your neighboring state, procuring the Best Domestic Travel Insurance Policies is a must to do thing in your travel preparation. Eligibility Requirements of Domestic Travel Insurance Policies Check out the chief eligibility requirements of some of the Best Domestic Travel Insurance Policies in India: To buy domestic travel insurance plan you need to be the citizen of India. The minimum age for availing the domestic travel insurance is 18yrs and maximum age is 65yrs. Children below 5yrs old are only being insured along with parents. Domestic travel insurance in India can also be availed by international visitors provided they need to show valid work permit documents or valid touring permission. Best Domestic Travel Insurance Policies Available in India • TATA AIG Travel Plan • Reliance travel Insurance • Apollo Munich Travel Policy • Bajaj Allianz Travel Insurance • Religare Travel Plan Chief Features of the Best Domestic Travel Insurance Policies Provides coverage to an individual. Cover against loss of Ids and tickets. Coverage to the flight delays and missing connecting flight. Provides coverage to emergency evacuation if needed. Gives great cover to medical and health emergencies, anesthesia and dental emergencies. Provides full coverage to the damage and loss of your belongings. Benefits and Coverage of Domestic Travel Insurance Plans Look at the commonly offered benefits and coverage provided by some of the Best Domestic Travel Insurance Policies in India: Accidental and Medical Assistance Cover → One of the most important cover of this domestic travel plan is the necessary assistance coverage you might need during an accident or medical emergency during your trip. It bears the expenses incurred by these emergency situations. Flight Delays and Trip Cancellation Cover → Domestic travel insurances are great in covering flight delays due to technical problems and weather conditions. Besides, you do not require worrying about a missed subsequent flight during the journey. This plan assures to cover the expenses you need to bear due to sudden flight cancellation also. Loss and Damage of Baggage Cover → Loss and damage of baggage is one of the most common concerns during a journey. Though, airline companies assure to compensate your baggage loss but the concern never goes away. However, with some of the Best Domestic Travel Insurance Policies you can stay relaxed about your belongings for it provides cover against the damage or loss of your stuffs. In case of loss, the insurance company ensures the maximum recovery of the cost of your belongings. Cover against Third Party Liability → Not provided by every domestic travel insurance companies, third party damage cover is now available with some of the Best Domestic Travel Insurance Policies. This feature domestic travel cover protects you against the damage inflicted by you upon the third party during your trip. It takes care of the expenses you are liable to take care of in case of any harm caused to the property of the third party. This feature offered by insurance companies is particularly important for those who are travelling with kids. Know About Domestic Travel Plan Exclusions o It does not cover the non-medical expenditures. o It does not offer health cover if an individual is travelling against doctor’s consent. o It does not cover the medical expenses for terminal disease. o It does not cover accidents caused by you while drunk or drugged. o No cover is provided for self inflicted damage or injury such as suicide. o It does not cover the medical expenses for the bodily injuries caused due to participation in any adventure sport activities like bungee jumping, mountaineering, etc. o It does not give any coverage to people who work in armed force and did not mention it while purchasing the policy. o No coverage is allowed for the injuries and damage caused due to underwater sport activities or caving, hunting, etc. Domestic Travel Plan Claim Settlement While some Insurance companies allow instantaneous claim settlement on phone, others may ask you to fill in forms, produce receipts and valid documents for your claims. The easiest way to file your insurance claim is to file it online or else directly visit the nearest branch of insurance company. For more updates and News follow Policybazaar Youtube
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AuthorInsurance and financial manager. Archives
May 2018
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