Travel Insurance India - An overview

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Travel Insurance India - An overview

While traveling overseas from India to a foreign country, you should find the best travel insurance plan to suits your needs. The Indian international travel insurance plans are designed for the needs of Indian travelers and the coverage includes accident and hospitalization expenses, sickness and medications, repatriation of remains in case of death, loss of checked baggage, passport loss...

Types of travel insurance India


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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Types of insurance

Please find out the different types of travel insurance that suits your travel.

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Already outside India

Travelers who have already traveled from India and do not have insurance can buy travel medical insurance.

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Pre-existing Insurance

Visitors travel insurance for pre-existing conditions.

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FAQ

Frequently asked questions on Indian travel Insurance.

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Customer reviews

Some customer feedback.

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Articles

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Single trip travel insurance

  • A single trip travel insurance India insures the traveller for the travel duration mentioned in the policy documents for any unforeseen emergency medical expenses during ones travel outside India.
  • These travel insurance plans are also known as round trip insurance as they insure the traveller onward from India for the duration of his/her stay overseas back to his/her return to India.
  • Travellers or family members can buy this type of insurance before they travel abroad.
  • The duration of coverage is usually the length of the journey, and the maximum available duration initially is 180 days but can be further extended but this varies from company to company.
  • Compare travel insurance and buy best online travel insurance in India

Multi trip travel insurance

  • Annual multi trip travel insurance is suitable for business people who travel overseas frequently but for shorter stays.
  • The Annual Multi trip travel medical insurance as the names suggests is a policy for a whole year and covers the traveller emergency medical expenses when the traveler is overseas, however the coverage for each overseas trip is limited to the trip period slab selected.
  • The trip period varies for different companies but is usually 30, 45, 60 and 90 days.
  • Annual multi trip travel insurance is for Indian citizens traveling outside India for accident medical expenses only. Compare & buy best annual travel insurance online!

Online travel insurance India, NRIOL travel insurance - FAQ's

How much is a travel insurance cost?

You can calculate the cost by using the overseas travel insurance premium calculator. The cost of the travel insurance depends on various of factors. The factors effecting travel insurance costs are

  • Age of the travelers
  • Number of travelers
  • Travel destination
  • Trip duration
  • Maximum coverage

There is no simple answer to that as this will vary depending on the specific needs of the traveler. It is the traveler who has to decide what is the best for him/her after reviewing their specific requirements. There are many insurance companies who offer travel insurance at competitive prices. Some of the requirements are listed down below which will help travelers made a decision.

  • Good claims settlement record.
  • Well-known brand in the market.
  • Comprehensive coverage.
  • Cost of insurance.
  • No hidden clauses.
  • Does it cover pre-existing diseases and if so under what circumstances?
  • Good service and if customer support is available round the clock.

Some of the reputed private Indian insurance providers are TATA AIG, Bajaj Allianz, Reliance, ICICI Lombard and Religare.

Yes, it is a good idea to buy a travel medical insurance after booking a flight as you are travel dates are confirmed but before your trip start.

The cost of the holiday travel insurance depends on the age of the travelers, number of the travelers, trip duration, and the country you are traveling. If you go for an group travel insurance the cost varies than buying individual travel insurance for the travelers.

The cost of medical expenses in the US are very high. It is therefore important that the travel looks for a comprehensive travel health insurance without any sub-limits. You have to keep in mind the factors while choosing the best travel insurance for USA like age of the travelers and maximum coverage. For younger age travelers there are many good plans. But for older travelers there are many restrictions and exclusions in coverage which should be kept in mind before buying the insurance.

Yes, buying a travel insurance is a good idea as it covers the policy holders for any unforeseen emergency medical and non-medical expenses. The insurance bears all your bills and makes you worry free during your trip thus avoiding the tension of clearing the bills thus avoiding burning your pocket and saving your hard earned money.

Yes all international travel insurance plans cover accident and sickness medical expenses overseas. Hospitalization medical expenses more than 24 hours is cashless while doctor visits or out-patient medical expenses is on a reimbursement basis. There is a minimum cost called deductible which the policy holder has to bear at the time of claims. Very recently some insurance companies offer plans with zero deductible where the policy holder is not required to pay anything.

Customer testimonials

Travel insurance blogs

Tourists from India in foreign countries

Indian tourists have become a common sight across the globe. Indians with increasing affordability travel around the world for sightseeing, exploring destinations and shopping in foreign countries. Many foreign countries have observed the increase in number of tourists from India every year. Lots of countries woo Indian vacationers with attractive holiday packages and cheap airfares.
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Tourists from India in foreign countries