Travel plans that are so cheap, you'd not think twice before making a trip.

Domestic Travel Insurance

What is Domestic Travel Insurance?

Travelling is the most spontaneous ice-breaking conversation possible. It is often said that Travel is the only expense that you spend to be enriched! It not only enriches your knowledge and experience, but also your mind and soul. Travel helps you understand various aspects of life which would be otherwise unexplored, if you have never travelled in your entire life!

Travelling is one of the most fun activity to do in order to let go of the stress in life. But along with travel, there always is an element of uncertainty and risk. Here comes the concept of travel insurance.

Often people buy Travel Insurance Policies when travelling out of the country, but not for domestic travelling. However, emergencies can occur at any point of time and all of it costs money. It is hence pretty obvious that medical or financial emergencies in India would not be as expensive on your pocket as it would have been when one is out of the country. Nonetheless, it would surely not be free! There can be flight delays, missed baggage, sudden medical emergency, accidents, etc. that can happen even in domestic travelling. The best part is that it is not even expensive! So, why take the risk? It is always a great idea to cover the risk of travelling even within the country, especially when it comes as a very cost efficient rate!

List Of Domestic Travel Insurance Plans

Let us discuss some of the best Domestic Travel Insurance Plans that you could opt for:

Cholamandalam Domestic Travel Insurance

Introduction

Cholamandalam travel plans are highly customised protection plans that provide coverage for health related issues overseas. It even has a reliable Domestic travel plan that covers you against an unwanted misfortune.

Cholamandalam has an exclusive plan designed for family journey anywhere in India and their protection plan covers mishaps like accident while travelling or even loss of baggage of the insured spouse and dependent children. Their benefit period for the insured person lasts through the entire travel period in India from the declared place of departure.

Apollo Munich Easy Domestic Travel Insurance

Introduction

Apollo Munich domestic travel insurance plan includes all round health care coverage for people travelling within the country, be it for leisure purposes or work related trips. In order to make trips enjoyable and hassle free, Apollo Munich domestic travel plan has been worked out in a way that is easy to comprehend and is based on suitable healthcare needs. Basic coverage against loss of baggage, accidents during travel etc. are provided and apart from that 24*7 access to medical advice on the telephone is available. They have specific plans for different cities and destinations across India.

Tata AIG Domestic Travel Guard Policy

Introduction

Aiming towards a worry free travel experience, TATA AIG domestic travel insurance will provide you with the required assistance when travelling within the country. If you have lost your baggage or have met with an unfortunate accident, TATA AIG domestic travel insurance plan has you covered.

TATA AIG domestic travel insurance plan is ‘one of a kind’ protection plan that will shield you when you require aid for the most. TATA AIG domestic travel insurance plans, like all other plans, tries to look out for the best interest of the traveller.

Bajaj Allianz Travel Prime Family Plan

Introduction

When travelling alone, we may not consider insuring ourselves, but when we go out with our family, it becomes essential for us to get covered because we would never want any of our loved ones to get into any kind of trouble. Hence, when we talk about protecting the family, Bajaj Allianz Travel Prime Family plan is an ideal option.

Bajaj Allianz Travel Prime Family plan will protect your entire family against the smallest of issues, including illnesses due to excessive pollution or adulterated food incidents. Bajaj Allianz Travel Prime family plan looks out not only for you, but also the ones important

Most common features of Domestic Travel Insurance in India

Accidental Coverage:

The individual policyholder is aided if there is an unwanted incident. So, the main aim of any domestic travel insurance plan is to guard you from common travel issues that could spoil your trip.

Coverage against total loss of luggage or travel tickets:

These coverage include loss of baggage and travel tickets. These are said to be two of the most common travel issues.

Coverage Tenure:

Policy lasts for the entire travel period from the place of departure. The moment you begin your journey from the place of departure (within the country) till the end of your entire trip, you'll be covered under the said insurance plan.

Emergency medical expenditure:

There may occur some medical emergencies when you are away from home. Such events are covered by domestic travel insurance plans.

  • Age of coverage: The regular plan is available for people above 18 to 65 years of age. However, you can avail it at the above mentioned ages which covers travel mishaps for both students and senior citizens as well.

Customised plans for senior citizen:

Senior citizens get added benefits after insuring themselves as it may be a little more tedious for them to travel.

Missed flight coverage:

No one likes to miss a flight, especially if the circumstances are unforeseen or inevitable. Hence travel insurances plans covers flight and missed flight costs. Like in any international travel insurance policy, even domestic travel insurance policies provide coverage for missed flight and missed connecting flights costs.

Available for frequent fliers:

Frequent fliers are more at benefit when it comes to travel insurance as they are travelling on a regular basis. So, by opting for an annual travel insurance plan, they can overcome the hassle of buying an insurance plan for every travel.

Benefits of Domestic Travel Insurance in India

Medical expenses:

Falling ill while travelling could be tragic. Not only does the trip gets disturbed, but it also comes with heavy expenses. Thus, insuring oneself becomes very important to ensure a leisure trip, even if you keep travelling on a regular basis.

Emergency cash:

If you are travelling anywhere, chances are you may run out of cash due to some unexpected expenses for which you may require some extra cash. The same shall be covered under domestic travel insurance.

Personal Liability:

There could be instances where you may cause a loss to someone else's property for which you may be held and may be asked to pay for. This is the time when being insured comes handy. These are just some of the many benefits of purchasing a domestic travel insurance plan and it's always advised that you be safe by taking precautions rather than repenting in the future.

Top 3 Tips To Buy Domestic Travel Insurance

There are different levels when you plan to buy yourself a domestic travel insurance plan. You need to take certain aspects into consideration while buying an insurance plan and the following tips may help you to conclude which insurance is best for you.

Tip #1: Choose the plan according to your need, not according to the available features:

You need to do thorough research of the plan that you are looking to buy. How much amount do you need to pay to insure yourself/ Are your family members included? Am I comfortable with the premium amount that has to be paid? What aspects do not include the insurance plan? These are just some of the few questions you need to research before buying.

Tip #2: Choose the insurance provider carefully:

It is very important to do your homework before planning to buy a travel insurance plan. You need to go through all the terms and conditions that are put forth by the insurance provider, so that there is no hassle in case of a claim situation. Also, keep the documents and the contact details for claim handy, so that you do not need to research where and how to process the claim.

Tip #3: Choose an appropriate coverage amount:

A very important aspect that has to be taken into consideration is the coverage extent. For how long are you insured and destination of travel. Usually, all insurance providers will insure you from the day you start travelling till the entire trip lasts from the place you have departed. Domestic plans cover the entire geographical boundaries of India, but it needs to be considered along with other coverage benefits.

What is Covered in Domestic Travel Insurance?

Basic travel accidents are covered under Domestic travel insurance plan. Some of them are listed below:

  • Baggage loss
  • Personal accident cover
  • Delay in flight
  • Medical expenses
  • Emergency cash
  • Personal liability
  • Trip delays
  • Hijacks
  • Burglary when you are away
  • Aid for spouse and dependent children

Eligibility for Buying Domestic Travel Insurance Policy:

The eligibility criteria for buying a domestic travel insurance plan revolves around a certain age and certain documents. Any one above the age of 18 up to the age of 65 can avail the insurance policy. Submission of proper documents is also mandatory.

Documents Required To Buy Domestic Travel Insurance:

  • KYC documents

What is Not Covered in Domestic Travel Insurance?

We need to understand that certain costs are not covered by the insurance companies and we need to read the terms and conditions of the policy. A few of them are listed below:

  • Sport and adventure activities with high risk
  • Pre-existing medical conditions
  • Expenses that are non-medical
  • In case the accident occurs under the influence of alcohol
  • If person gets injured while they were a part of some illegal activity
  • Losses due to war like situations are not covered under the insurance policy
  • If the injury was caused due to self-harm
  • If you are travelling against doctor's advice Knowing the aspects that are not covered under the insurance policy will not only educate you before your purchase, but also keep you prepared for the fact that you have not been deceived by your insurance provider.

How to process your Domestic Travel Insurance claim?

In the case of any mishap that has occurred during your travel period, you need to follow certain procedures in order to claim your insurance amount.

Accidental claim:

If you have met with an accident during your trip and are hospitalised, the person insured or anyone else on his behalf could inform the travel insurance company to intimate with the valid travel insurance policy details and the insured’s hospitalization details. The doctor’s prescription and advice for hospitalization is mandatory for such claim to get processed along with the breakup of the entire hospitalization expenses.

Loss of Baggage Claim:

In case you have lost your baggage, you are required to provide certain documents to process the same like:

  • Duly filled and signed Travel Insurance Claim Form along with the boarding pass of the insured with the baggage tickets with the necessary bar codes
  • A PIR (Proper Irregularity Report) from the Airport where the baggage was due to be received
  • A copy of the letter that had been submitted to the Airport Authority for loss of baggage
  • Complete details of all compensation that has already been received from the Airport Authority, if any

If the baggage is delayed and not lost, then the original invoices of the expenses occurred for the same need to be furnished as well.

Document Required To Claim Domestic Travel Insurance:

To go about with the claim process, certain important documents are required to be produced:

  • Your initial ticket or boarding pass

  • Your authentic bills and vouchers

  • For medical claims – medical practitioner’s annotations, authentic admission and or discharge pass, receipts along with prescriptions from the concerned doctor

Conclusion & Customer Reviews on Domestic Travel Insurance

Conclusion

India is a land of diversity. One of the great advantages of this is the vast variety of historical and geographical travel destination options. When you buy travel insurance for domestic trips, you have peace of mind that comes with knowing that you are prepared against eventualities. There are some who travel for hobby or to enjoy the life to the fullest and for this, it is really important that you cover yourself, guard yourself and enjoy each and every moment with contentment.

Customer Reviews on Domestic Travel Insurance:

Checking the review of the domestic Travel Insurance Plan is a very important aspect of choosing the best Domestic Travel insurance plan. You need to know the real life experiences of existing policyholders and their claim experience.

  • Thank God I had opted for a domestic travel insurance plan for the first time in my life and as luck would have been, I lost my baggage while travelling from Kolkata to Mumbai via Delhi. There was a stopover for 7 hours at the Delhi airport and I had stepped out to meet friends. However, I didn’t pick up my luggage as it was checked through to Mumbai. However, when I landed at the Mumbai airport at 1 AM in the night, my luggage was nowhere to be found. We struggled to locate it till 3AM and then with the help of the Airport Authorities filed an insurance claim and got the money for the same. I would never travel without an insurance policy ever again! Sushma P, Mumbai, India.

FAQ's On Domestic Travel Insurance

Which is the best Domestic Travel Insurance Plan in India?

All general and health insurance companies travel plans are good, but some are more popular than others. TATA AIG, Reliance, Apollo Munich, Bajaj Allianz and Religare are some of the best travel insurance providers in India.

How Can I register a claim complaint for a Travel Insurance Plan?

If you are unhappy with your insurance provider service, you can follow the following procedures.

  • Step 1: You need to speak to the customer care of the insurer and check if they can resolve the issue.

  • Step 2: If not, then you need to either visit any local branch office of the insurer or call their Grievance Redressal Officer. The number of the same would be mentioned on their official website.

  • Step 3: You need to provide all relevant information regarding your travel insurance plan and why you are unhappy with them.

  • Step 4: If the Grievance Redressal Officer is unable to help you, you can approach the Insurance Ombudsman with your complaint as well. Details of the same are mentioned on the IRDAI website.

How can I add a Nominee in My Travel Insurance Policy?

You can add/change nominee at any point of time by a written communication to the insurer’s office. It can be done through the electronic medium like email from your registered email id as well.

What is the Eligibility of Nominee in Domestic Travel Insurance Policy?

A nominee can be anyone trustworthy and close to the policyholder – parents, spouse, children, etc. or your nearest relatives. These people should be above the age of 18, else an appointee is required in case of a minor nominee.

Do domestic travel insurance plans provide any tax benefit?

Yes. If you are self-employed and are travelling for work, you may use a part of the travel insurance premium as an expense and thus, claim a deduction from your taxable income. But it is mandatory that the trip has to be associated with your business at hand and nothing personal or any other business related. Otherwise, there is no other tax benefit available in domestic travel insurance plans.

What is Accidental Death & Dismemberment in Domestic Travel Insurance Policy?

Under an accidental Death & Dismemberment add-on, you receive an additional benefit in case of accidental death or dismemberment while travelling.

What is Emergency Accident Medical Reimbursement in Domestic Travel Insurance Policy?

In the case you have met with an accident, emergency medical reimbursement of up to Rs.1,00,000 for medical related expenses will be covered during the period of hospitalisation.