Travel Insurance India - An overview

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Individual travel insurance
Individual travel insurance plans are designed for individual travelers both traveling overseas from India or for domestic travel within India. Given the changing lifestyle of people and stresses involved in our daily life, we are prone to many health disorders even at younger ages. Added to this increased vulnerability to health ailments is the increasing cost of healthcare day by day.

While overseas travel insurance covers both accident and sickness medical expenses while domestic Indian travel insurance covers only accident medical expenses. There are few insurance providers who cover pre-existing medical conditions for a limited amount. An individual traveling overseas can buy travel health insurance online and the policy will be emailed to the customer along with the coverage details and relevant phone numbers in case of any emergency.
Family travel insurance
A Family refers to an Individual, individuals spouse and children. Family travel insurance is a family floater common coverage plan covering the whole family under one policy. Family travel medical insurance are cheaper than individual travel insurance plans.

The benefit of family travel insurance is that any of the individuals under the policy can use the entire sum insured or part of the sum insured. It is advisable to buy the family floater travel medical insurance when you are traveling for shorter durations or traveling to a country where medical expenses is cheaper.
Group Travel insurance
Group travel insurance is an insurance plan that will cover a group of people who might or might not belong to the same family for their overseas or domestic trip. Group travel insurance is cheaper when compared to individual travel medical insurance.

A team of travelers going for a holiday, or employees of a firm traveling overseas to participate in a seminar or conference can choose group travel insurance. One advantage of group travel insurance is that they can be customized according to the groups specific requirements.
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