People traveling within India or overseas for business for a shorter duration with a year or frequent fliers can buy a multi trip travel medical insurance. The plans offered by different companies vary with coverage and slab days. The slabs offered by different companies are 30, 45, 60 or a 90 days slab. Though the policy coverage is for one year from the date of inception, the traveler cannot stay beyond the slab days he / she has purchased. Travelers traveling worldwide, worldwide excluding USA & Canada or any of the Asian countries can buy the multi trip travel medical insurance. Multi trip travel insurance plans covering Asian countries are cheaper than the plans offered for other destinations.
Now you might be thinking what this slab might be. To understand this let us take an example where a traveler has a multi trip travel medical insurance with 30 day slab which is valid from 01-Jan-xxxx to 31-Dec-xxxx. He / she travelers from India to overseas on 01-Mar-xxxx for some business trip. Then he / she has to return back to India on or before 30-Mar-xxxx. If the policy holder stays beyond 30 days, then from 31-Mar-xxxx he / she is not covered under this insurance till he / she returns back to India. Any claim arising during uninsured period has to be borne by the traveler. However he / she is covered during the next trip when traveling from India up to 30 days.