Buying Travel Insurance - Forum

Making the payment
Question
Dear NRIOL insurance desk,
Please find the attached document which has our details for the insurance. Please send me your account details. Will transfer the amount today.

Narendran

Answer
Dear Mr. Narendran,
Thank you for us for your overseas travel insurance requirements.
As agreed in the conversation please transfer the funds for all the 3 policies amount of Rs.2,645/- (Rs.857/- Rs.931/- + Rs.857/-), As per the below details . So we can issue the policies at the earliest.
The details have been emailed to you.

Thank you,
NRIOL Customer support.
080-4110 1026
Renewing TATA AIG Policy
Question
Dear NRIOL insurance desk,
I understand that I have to buy a new policy as a renewal of existing policy. However before processing with the payment. Please answer the following:
  • When I sign for the new policy will the policy details of the previous policy and the current one remain the same?
  • Once I purchase the policy for 60 days from April 5, Do You have the old policy details from Dec.21 to April 4th?
  • We do not have a claim until now but if any claim arises before the end of the renewal do you guys have the proof that the policy started from Dec.21?
  • Is buying the new policy the same as renewal?
Please answer the questions ASAP so I can go ahead and purchase the policy and please send me the link to where I can make the purchase.

Thanks and Regards,
Lakhvinder

Answer
Dear Sir,
Thank you for contacting us for renewing your TATA AIG travel policy. Below are the answers to your queries.
  • Yes, only the policy number and the travel dates will be new and other details will be same as your previous policy.
  • Yes, based on your existing policy you will get an approval to renew the policy.
  • Yes, the insurance company will have all your details, and having given approval for the renewal will be aware of your old policy details as well.
  • Yes, the new policy will work as an extension of the existing policy. In case of any claim arises in the renewal policy, then your claims will be settled as per agreed terms and conditions of the policy.
You can get free quotes and buy the policy online at:
TATA AIG Travel Insurance

Thank you,
NRIOL Customer support.
080-4110 1026
Travel insurance coverage for natural death
Question
Dear NRIOL team,
I have one quick question before I buy the policy. Is natural death covered under this policy?

Thanks
Sanjay

Answer
Dear Mr. Sanjay,
Thank you for contacting NRIOL for your travel insurance requirements. Repatriation of remains to India in the event of death is covered under this travel medical insurance policy.
You can get free quotes and buy the insurance online at
India Travel Insurance Plans

Thank you,
NRIOL Customer support.
080-4110 1026
Explanation of Deductible
Question
Dear Insurance desk,
I am not able to understand 'What is a deductible' which you are showing in the benefits section?

Regards
Thakur

Answer
Dear Thakur,
The Deductible is the minimum cost which the policy holder has to bear from his pocket before the insurance company pays the insured for any benefit. Some companies have $100 deductible while some other have $50 deductible for medical expenses after which your bills are settled.
You can get free quotes and buy the insurance online at
India Travel Insurance Plans

Thank you,
NRIOL Customer support.
080-4110 1026
Time to buy travel insurance online
Question
Dear NRIOL insurance desk,
How much time does it take to buy travel insurance online?

Thanks,
P K GUPTA

Answer
Thank you for your email. Buying the travel insurance on NRIOL is very simple. Below is the procedure where you can have a look at:
Procedure to Insurance Online
Once you complete the online application and make the payment, the policy will be issued and emailed to your mailing address. We also courier a hard copy of your policy document to your Indian mailing address if you request it.
You can get free quotes and buy the policy online at
Travel Insurance Plans

Thank you,
NRIOL Customer support.
080-4110 1026
Receiving the insurance documents after the payment
Question
Dear NRIOL insurance desk,
This is with reference to the travel policy.
Kindly send me the invoice of purchase of policy. I could not find it in the documents sent to me. I need it for accounts purpose.

Thanks for your support.
Vishal

Answer
Dear Sir,
Thank you for choosing NRIOL for your travel medical insurance. The travel policy document itself is the purchase receipt for the policy.

Thank you,
NRIOL Customer support.
080-4110 1026
Making a payment
Question
Dear NRIOL customer support,
Thank you for issuing the Bajaj Allianz student insurance for my sister. As I do not have Indian bank account I am unable to transfer the funds to your NRIOL bank account. My bank where I have an account does not have the NEFT payment option. Please let me know how I can do the funds transfer.

Thanks,
Jimmy

Answer
Dear Mr.Jimmy,
As you are not able to funds transfer to our account directly. You can do the fund transfer through network bank in US for the account details emailed to you.

Thank you,
NRIOL Customer support.
080-4110 1026
When to buy travel insurance?
Question
Dear NRIOL Customer support,
Is it mandatory to buy insurance coverage for all the days during which i am travelling abroad. Or can i purchase a travel insurance for the number of days i prefer to buy an insurance for. Actually, we are travelling to the USA on 12th May 2015 and will leave on 12th June 2015. Can we buy a policy for lesser days, lets say from 18th May 2015 to 12th June 2015.

Thank you,
Anant P

Answer
Dear Anant,
Thank you for your email. as per the insurance guidelines, overseas travel medical insurance should be purchased before the traveler leaves republic of India. As you are traveling to USA on 12-May-2015 and leaving USA on 12-Jun-2015, your insurance policy start date should be 12-May-2015 and policy end date should be 13-jun-2015 or 14-jun-2015 depending on the date you reach India (i.e. till you return to India).
The policy will not be valid if you buy the policy with 18-May-2015 as start date and travel overseas on 12-May-2015. However if you are not sure of your return date or have plans of early return, then buy the insurance for lesser number of days starting from 12-May-2015 and later before expiry of the existing policy you can renew the policy online being overseas.

Thank you,
NRIOL Customer support.
080-4110 1026
Buying Insurance using International Credit Card
Question
Dear NRIOL Customer support,
Can I make payment through international credit card?

Thank you,
Sreekala

Answer
Dear Sreekala,
Yes you can pay through your international credit card.

Thank you,
NRIOL Customer support.
080-4110 1026
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