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Travel insurance is a product that safeguards the insured from suffering a financial loss resulting from uneventful circumstances and incidents during his or her trip. Hence, a travel insurance plan is indeed a friend in need, in times of such distress as it provides the much needed financial assistance in an unforeseen situations while travelling in India or abroad. Without a doubt, a travel insurance policy is something every traveller must possess, whether a solo traveller, business traveller, family traveller or a student travelling for studies.
There are various general insurance companies in the country that sell travel insurance policies with unique features and benefits to individuals. There are a few travel insurance plans that provide customers with exceptional policies, features, advantages and coverage. These are the top 5 travel insurance plans in India. These plans generally provide worldwide emergency assistance, coverage for repatriation, medical expenses and evacuation services, loss of baggage, passport, personal accidents, loss of travel documents, etc. They are as follows:
Offers a wide range of travel insurance policies that are customized to fit the customers requirements, along with comprehensive coverage.
Overseas travel insurance plan that shields the insured in case of any unforeseen situation occurring on his or her trip abroad.
Five plans under it- Silver, Silver Plus, Gold, Platinum and Senior Plan. Also consists of an Annual Multi Trip programme i.e the Annual Multi Trip Gold Plan and the Annual Multi Trip Platinum Plan.
Annual multi trip renewals permit a 30 day grace period and 15 day free look period.
Enhanced sum insured at the time of renewals
Complete protection during travel for instance, loss of baggage, delay of checked baggage, etc.
Accident related expenses
Sickness related expenses
Specifically made for students who travel abroad for higher studies.
Offers 5 plans, such as plan A, plan B, Ultimate, Ultimate Plus and Supreme along with Accident and Sickness Medical Expenses Reimbursement limits of $50,000, $100,000, $250,000 and $500,000 respectively.
Add-ons like Maternity Benefits, Child Care, Mammography examinations, Cancer screenings, Mental and Nervous disorders. Benefits
Special extensions like cover for childcare, pre-existing diseases, maternity benefits, mental or nervous disorder treatments, on-going physiotherapy, cancer and mammography examinations.
Family member visit/ compassionate visit.
Sponsor protection
Payment of fraudulent charges
Study interruption, which means that in case an insured student cannot continue with his or her studies , this student guard plan will offer coverage for the unused tuition fees.
This plan offers financial protection to customers travelling within Asia.
Special assistance services like hospital admission arrangements, emergency travel services, embassy referral services, information of claim procedures, etc.
Protection for travels in Asia exclusively
Personal liability for third-party damages
Injury or death caused to another person
Personal accident protection of $15,000
Sickness expenses
Medical expenses
This plan offers coverage for travels within India by air, rail and road.
Reimbursement in case of missed departure by air or rail.
Extra accommodation charges paid under this plan, in case of trip delay.
24x7 assistance and referral services (medical evacuation, legal help, loss of luggage or travel documents, etc)
Life time renewal for annual multi-trip policy
Bail bond related support
Medical expenses due to an accident
Lodging charges if trip is delayed
Lost tickets compensation
Being popularly known, it provides solutions for every travel concern one may have.
An individual plan that safeguards the insured in various situations.
Medical assistance, treatment, and evacuation
Hospital cash benefit
Trip delay, cancellation or curtailment
Personal legal liability
Easy Travel Family Insurance Plan: This plan covers your family from the age of 6 months upto 70 years of age. The family plan is devised in three variants: Silver, Bronze and Asian Region, sum insured ranging from USD 25,000 to USD 1,00,000.
Insures two adults and upto two children.
The plan has three variants: silver, bronze and asian region.
Dental treatment care
Reimbursement if baggage lost or delayed
Available in two variants, i.e. silver and bronze.
Reimbursement in case of delay in checked-in baggage
Extremely convenient and helpful for senior citizens
Medical treatment
Dental treatment due to emergency
Financial emergency cash paid in the event of theft or loss of money abroad
Coverage
Personal accident and disablement
Cost to make new travel documents
This plan is for frequent travellers who travel abroad many times a year.
Worldwide coverage except US and Canada
Hijack daily allowance cash
Medical evacuation
Repatriation of mortal remains
Trip cancellations and interruptions
Personal liability coverage
Covers students travelling abroad for academics.
30 days from the end of the risk period, medical costs are taken for treatment
Medical financial protection for trips back in India
Compassionate visit
Bail bond
This company is one of the most widely known in the insurance industry. It is customer- oriented and has a huge client base. The company ensures that their customers have a memorable, exciting and safe international travel. It offers coverage for medical expenses, daily hospital cash allowances, compensations related to trip delays or cancellations, loss of tickets, passport and other important documents, loss of luggage and personal belongings, etc.
Schengen approved travel insurance plans that allow you to visit various Schengen countries.
Protects you during your travel within Asia.
This plan is for people who love travelling to new places or make several trips abroad due to business. It enables policyholders to safeguard all travel plans in the entire year.
This plan offers travel protection exclusively to senior citizens.
For students travelling abroad for studies.
A leader in world-class products and reliable services, this company offers various types of travel insurance plans for you as well as your whole family. Providing various incredible features and benefits, it has an extensive coverage. It includes general coverages like hospitalization costs, accident covers, emergency cash advance option, loss of documents, etc.
Travel abroad without any worry by shielding yourself with this plan.
Domestic travel insurance plan for travels within India.
Strives to give you a splendid vacation, free of all kinds of worries by offering low cost travel insurance plans.
This plan enables you to buy an insurance for a single particular trip abroad.
Provides coverage for travel to all countries in Asia, except for Japan.
There are various kinds of travel insurance plans. Hence, depending upon these types the eligibility may differ from policy to policy offered by different companies.
Claims can be done in a cashless manner or in the form of reimbursement claims. In the former manner, you need to submit the travel insurance policy to the hospital and inform the insurance company to take the procedure ahead. The company will then settle the bills directly with the concerned hospital. In the latter manner, the insurance company settles the claims directly through the bank, once you submit all bills and receipts.
Purchasing a travel insurance is imperative and it is not an extra financial burden. It in fact, keeps you safe in times of unforeseen circumstances. It is best if you buy travel insurance at the time of purchasing your travel tickets to safeguard yourself, your parents, children and family from any unforeseen event.
