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According to Wikipedia, Travel is the movement of people between distant geographical locations. Travel can be done by foot, bicycle, automobile, train, boat, bus, airplane, or other means, with or without luggage, and can be one way or round trip. Travel can also include relatively short stays between successive movements. Tourism is travel for pleasure or business; also the theory and practice of touring, the business of attracting, accommodating, and entertaining tourists, and the business of operating tours. Tourism may be international, or within the traveller's country. The World Tourism Organization defines tourism more generally, in terms which go "beyond the common perception of tourism as being limited to holiday activity only", as people "traveling to and staying in places outside their usual environment. The UNWTO Report for 2018 also illustrates the modes of transport that all travellers use when they travel (see the chart below):
Source: UNWTO Report 2018
People have been traveling from time in memorial for Leisure, Business, Visiting Friends, Participate in Religious Activities, or even Medical Treatment. A snapshot according to World Tourism Organisation, UNWTO Report 2018, above, are the reasons why people travel around the world (see chart above).

What is obvious is that people always travel for a reason. And one of the travellers’ wish is that nothing untoward happens during the trip. But they could face any unforeseen exigency either medical or non medical which could cause them financial and emotional stress. And this is why it is recommended that every traveller buys him/herself travel insurance. One of the most important financial securities a traveller can avail while they travel within India or abroad is travel insurance coverage. It is extremely important to add the best travel insurance policy to your checklist/itinerary while you plan your vacation, be it for leisure or business or for any other reasons. Nowadays it is also convenient and easy, as you can buy travel insurance online without the hassles of making a call to an agent or visiting the insurance company office. So what does Travel Insurance actually cover?
Emergency Medical Expenses

medical expenses
  • Accidental Expenses
  • Sickness Expenses
  • Dental Treatment
Travel Exigencies

travel exigencies
  • Trip Cancellation
  • Flight Delay
  • Airline/Hotel Bounced Booking
  • Missed Connection
Baggage & Documents

baggage  documents
  • Baggage Delay
  • Baggage Loss
  • Passport Loss
Other Medical Coverages

ambulance
  • Accidental Death
  • Medical Evacuation
  • Repatriation of Remains
Financial Emergencies

finance
  • Emergency Cash Advance
  • Fraudulent Charges
Other Non Medical Benefits

home burglary  personal liability
  • Home Burglary
  • Personal Liability
  • Hijack Coverage
What are the various Travel Insurance Plans available online at eIndiaInsurance?
At eIndiaInsurance we provide the most comprehensive basket of plans to choose from depending on your travel requirements. They include:
International Travel Insurance

International travel insurance
It offers cover for travellers going abroad on Leisure or Business. It offers coverage for medical and non medical emergencies like Accident & Sickness Cover, Trip Cancellation, Passport Loss, Personal Liability, Baggage Loss/Delay etc
Coverages Offered

  • Emergency Accident & Sickness Reimbursement
  • Sickness Dental Coverage
  • Medical Evacuation
  • Repatriation of Remains
  • Baggage Loss/Delay
  • Trip Cancellation/Curtailment
  • Passport Loss
  • Personal Liability
  • Trip/Flight Delay
  • Missed Connection
  • Bounced Hotel/Air Booking
  • Emergency Cash Advance
Policy Exclusions

  • Any Pre-existing Condition
  • Routine physicals or other examination
  • Elective, cosmetic, or plastic surgery
  • Suicide, (AIDS), / (HIV) infection
  • Under the influence of drugs, alcohol, or other intoxicants
  • Loss arising out of War, civil unrest, Terrorism
  • Congenital anomalies
  • Participation in Adventure Sports
  • Pregnancy related conditions
Insurance Companies

TATA AIG Insurance Plans
Bajaj Allianz Insurance Plans
Reliance Insurance Plans
Cholamandalam Insurance Plans
Apollo Munich Insurance Plans
Future Generali Insurance plans
Religare Insurance Plans
HDFC ERGO Insurance Plans
Royal Sundaram Insurance Plans
Cigna TTK Insurance Plans
 Insurance Plans
Student Insurance

student insurance
Student Travel Insurance is an insurance policy specifically designed for students travelling abroad on student visa to pursue their higher studies. The policy covers students who are enrolling in colleges, universities or institutes in a foreign country for professional/other academic courses. There are coverages specific to students that include Sponsor Protection, Compassionate Visit , Bail Bond and Study Interruption.
Coverages Offered

  • Emergency Accident & Sickness Reimbursement
  • Medical Evacuation
  • Repatriation of Remains
  • Treatment of Mental Disorders
  • Cancer Screening and Mammography
  • Maternity Coverage
  • Study Interruption
  • Sponsor Protection
  • Missed Connection
  • Compassionate Visit (2 way)
  • Emergency Cash Advance
Policy Exclusions

  • Travelling against the advice of a Physician
  • Pre-existing Conditions
  • Serving in any branch of the Naval, Military or Air Forces
  • Being under the influence due to usage/abuse of drugs, alcohol, or other intoxicants
  • Ionising radiation or contamination by radioactivity from any nuclear fuel
  • External congenital anomalies
  • Adventure sports, skydiving/parachuting, hang gliding, bungee jumping, scuba diving, mountain climbing
  • Ayurvedic, Homeopath or naturopathy treatments
Insurance Companies

TATA AIG Insurance Plans
Bajaj Allianz Insurance Plans
Reliance Insurance Plans
Cholamandalam Insurance Plans
Apollo Munich Insurance Plans
Future Generali Insurance plans
Religare Insurance Plans
HDFC ERGO Insurance Plans
Royal Sundaram Insurance Plans
Senior Citizen’s Insurance Plan

senior citizen insurance
The Senior Citizen’s plan is specifically for Senior citizens normally about the age of 70 years. It is a plan that focuses primarily on Emergency Accident & Sickness cover, but also has Medical Evacuation, Repatriation, Passport loss, Baggage Loss/Delay etc.
Coverages Offered

  • Emergency Accident & Sickness Reimbursement
  • Medical Evacuation
  • Repatriation of Remains
  • Baggage Loss/Delay
  • Passport Loss
  • Personal Liability
  • Flight Delay
  • Emergency Cash Advance
Policy Exclusions

  • Any Pre-existing Condition
  • Routine physicals or other examination
  • Elective, cosmetic, or plastic surgery
  • Suicide, (AIDS), / (HIV) infection
  • Under the influence of drugs, alcohol, or other intoxicants
  • Loss arising out of War, civil unrest, Terrorism
  • Congenital anomalies
  • Participation in Adventure Sports
  • Pregnancy related conditions
Insurance Companies

TATA AIG Insurance Plans
Bajaj Allianz Insurance Plans
Reliance Insurance Plans
Cholamandalam Insurance Plans
Apollo Munich Insurance Plans
Future Generali Insurance plans
Religare Insurance Plans
Royal Sundaram Insurance Plans
Asia Travel Insurance Plan

asia travel insurance
The Asia Travel Insurance plan is suited for travelers within Asia. Normally the trips are of shorter duration and are more for Leisure/Holidays and hence the Sum Insureds are lower that the regular International plans.
Coverages Offered

  • Emergency Accident & Sickness Reimbursement
  • Accidental Death
  • Medical Evacuation
  • Repatriation of Remains
  • Baggage Loss/Delay
  • Passport Loss
  • Personal Liability
Policy Exclusions

  • Travelling against the advice of a Physician
  • Pre-existing Conditions
  • Serving in any branch of the Naval, Military or Air Forces
  • Being under the influence due to usage/abuse of drugs, alcohol, or other intoxicants
  • Ionising radiation or contamination by radioactivity from any nuclear fuel
  • External congenital anomalies
  • Adventure sports, skydiving/parachuting, hang gliding, bungee jumping, scuba diving, mountain climbing
  • Ayurvedic, Homeopath or naturopathy treatments
Insurance Companies

TATA AIG Insurance Plans
Bajaj Allianz Insurance Plans
Reliance Insurance Plans
Cholamandalam Insurance Plans
Apollo Munich Insurance Plans
HDFC ERGO Insurance Plans
Future Generali Insurance plans
Royal Sundaram Insurance Plans
 Insurance Plans
Schengen Travel Insurance Plan

schengen travel insurance
The Schengen Travel Insurance plan is specifically designed for travelers visiting Schengen Countries in Europe. It is important to note that insurance is a mandatory requirement for a visa to be granted to these countries. Visas are normally issued for 90 days for the following 26 countries:
Austria  |   Belgium  |   Czech Republic  |   Denmark  |   Estonia  |   Finland  |   France  |   Germany  |   Greece  |   Hungary  |   Iceland  |   Italy  |   Latvia  |   Liechtenstein  |   Lithuania  |   Luxembourg  |   Malta  |   Netherlands  |   Norway  |   Poland  |   Portugal  |   Slovakia  |   Slovenia  |   Spain  |   Sweden  |   Switzerland

The insurance Accident & Sickness Sum Insured should be atleast 30,000 Euros
Coverages Offered

  • Emergency Accident & Sickness Reimbursement
  • Accidental Death
  • Medical Evacuation
  • Repatriation of Remains
  • Baggage Loss/Delay
  • Trip Delay
  • Missed Connection
Some insurers offer a plain Accident & Sickness coverage for 30,000 Euros, which is the minimum requirement for obtaining a visa.
Policy Exclusions

  • Travelling against the advice of a Physician
  • Pre-existing Conditions
  • Serving in any branch of the Naval, Military or Air Forces
  • Being under the influence due to usage/abuse of drugs, alcohol, or other intoxicants
  • Ionising radiation or contamination by radioactivity from any nuclear fuel
  • External congenital anomalies
  • Adventure sports, skydiving/parachuting, hang gliding, bungee jumping, scuba diving, mountain climbing
  • Ayurvedic, Homeopath or naturopathy treatments
Insurance Companies

TATA AIG Insurance Plans
Bajaj Allianz Insurance Plans
Reliance Insurance Plans
Future Generali Insurance Plans
Religare Insurance Plans
Royal Sundaram Insurance Plans
Domestic Travel Insurance

domestic travel insurance
Domestic Travel Insurance is for travellers within India on all modes of transport. The policy will come into effect the moment the insured leaves his city of domicile until his return.
Coverages Offered

  • Emergency Accident Hospitalisation Expenses
  • Home Burglary
  • Medical Evacuation
  • Repatriation of Remains
  • Baggage Loss/Delay
  • Trip Cancellation/Curtailment
  • Passport Loss
  • Personal Liability
  • Trip/Flight Delay
  • Compassionate Visit (Family Member)
  • Missed Departure
Policy Exclusions

  • Any Pre-existing Condition
  • Routine physicals or other examination
  • Elective, cosmetic, or plastic surgery
  • Suicide, (AIDS), / (HIV) infection
  • Under the influence of drugs, alcohol, or other intoxicants
  • Loss arising out of War, civil unrest, Terrorism
  • Congenital anomalies
  • Participation in Adventure Sports
  • Pregnancy related conditions
Insurance Companies

TATA AIG Insurance Plans
Bajaj Allianz Insurance Plans
Corporate Travel Insurance Program

corporate travel insurance
The Corporate Travel Program is put together for the employees of all Corporate companies for their official/business travel both abroad and within India. Since this is considered as a group for insurance, the premiums will be more competitive and can actually be charged on a per day basis. This means that the company pays only for their actual days of travel.
Coverages Offered

  • Emergency Accident & Sickness Reimbursement
  • Medical Evacuation
  • Repatriation of Remains
  • Baggage Loss/Delay
  • Trip Cancellation / Curtailment
  • Personal Liability
  • Replacement of Staff
  • Emergency Cash Advance
Policy Exclusions

  • Any Pre-existing Condition
  • Routine physicals or other examination
  • Elective, cosmetic, or plastic surgery
  • Suicide, (AIDS), / (HIV) infection
  • Under the influence of drugs, alcohol, or other intoxicants
  • Loss arising out of War, civil unrest, Terrorism
  • Congenital anomalies
  • Participation in Adventure Sports
  • Pregnancy related conditions
Insurance Companies

TATA AIG Insurance Plans
Bajaj Allianz Insurance Plans
Apollo Munich Insurance Plans
Reliance Insurance Plans
Religare Insurance Plans
HDFC ERGO Insurance Plans
Family Travel Insurance Plan

family travel insurance
The Family Travel Insurance plan is designed for families who are likely to travel together on a trip and are looking for a single cover for all of them. Some of the insurance plans for the Family can also be offered on a Floater basis to ensure maximum coverage at most economical cost.
Coverages Offered

  • Emergency Accident & Sickness Reimbursement
  • Medical Evacuation
  • Repatriation of Remains
  • Baggage Loss/Delay
  • Passport Loss
  • Personal Liability
  • Flight Delay
  • Emergency Cash Advance
Policy Exclusions

  • Any Pre-existing Condition
  • Routine physicals or other examination
  • Elective, cosmetic, or plastic surgery
  • Suicide, (AIDS), / (HIV) infection
  • Under the influence of drugs, alcohol, or other intoxicants
  • Loss arising out of War, civil unrest, Terrorism
  • Congenital anomalies
  • Participation in Adventure Sports
  • Pregnancy related conditions
Insurance Companies

Reliance Insurance Plans
Religare Insurance Plans
HDFC ERGO Insurance Plans
Apollo Munich Insurance Plans
Now that one has chosen the type of policy you have to buy online, it becomes important to decide which insurance company’s policy to decide upon. Not all the general insurance companies who operate in India have expertise in selling and managing Travel Insurance. The important factors to taken into consideration with regards to the insurance company include:
Destination
Firstly take a look at what insurance coverage you may require based on the Destination you are traveling to. For example if you’re going to developed countries like USA, Europe, Australia, UK, it is advisable to a policy with a higher Medical Limit ($200,000 and above). This is because the cost of medical treatment in these countries is significantly higher than the rest of the world.
Duration of travel
Duration of travel - The longer the duration of travel, the higher sum insured for Medical expenses is recommended because the possibilities of catching an illness increase when exposed to varying climatic conditions with changing seasons.
market
The Reputation and the Market standing are important to keep in mind while finalising an insurance partner. Importantly, the traveller should keep in mind the capabilities of the insurance company for Travel Insurance specifically. Their ability, transparency and promptness in claims settlement and their financial strength are important factors to consider.
network of hospitals
Another important aspect of claims, is the insurance company’s Third Party Administrator (TPA) abroad. Accessibility to the TPA at the time of a medical emergency is very important. One should understand the TPA’s network of hospitals across the world and their competencies to handle a critical situation. It is advisable to get your insurance from a company (and TPA) which handles the transparent claim settlement process so you have a hassle free experience.
activity calender
Your activity calendar for your trip is as important as the trip itself. As a traveller if you plan to have a relaxed beach side vacation just to catch a tan, then don’t look for buying an insurance policy with an adventure sports coverage. But if you are likely to go scuba diving or snorkelling (any other adventure sport), please ensure the opt for a plan that offers coverage for Adventure Sports.
age of traveller
The age of the traveller is another important factor while deciding on the ideal insurance plan. With advancement in age, there are higher possibilities for travellers to be carry pre existing medical conditions. Most insurance plans exclude medical expenses arising due to pre existing conditions, and hence the traveller must ensure to choose the correct plan if they want the same to be covered. Also, age is a critical factor in determining the premium for the trip.
exclusions
The Exclusions under a Travel insurance policy are as important as the inclusions or coverages. Hence it is important for the traveller to review the exclusions prior to purchasing the policy so that they are clearly aware of what is covered and what is not covered. The exclusions are normally not stated on the face of the insurance policy certificate but in the terms and conditions (policy wordings) and hence the traveller will need to go through the same on the insurance company website or when sent along with the policy certificate.
Make sure you all review the entire list of coverages available with each insurance plan. Some insurance companies offer a more comprehensive coverage at an affordable cost, but they may not have the Assistance Network strength abroad if and when required in a medical emergency. Another insurance company may have a strong Assistance partner and enjoy a good reputation in India for claims settlement, but their premiums could be marginally higher than the average market premium for a similar coverage. Hence the insured must evaluate all relevant parameters before arriving at their final insurance partner and the ideal plan for their trip. At eIndiaInsurance, we have tried to make it simpler for the traveller to compare plans and choose the best one. More than that, eIndiaInsurance has gained the reputation of being:

Trustworthy

There will not be additional fees or extra cost for any of the services offered at eIndiaInsurance.

Helpful

It is very simple to get quote and choose your preferred option at eIndiaInsurance.

Fast and Easy

Pay only the premium cost and get enrolled to the policy of your choice in under 3 minutes at eIndiaInsurance.

Great Prices

Complete a simple online application to compare plans and buy your chosen plan at the most competitive premium on eIndiaInsurance.

Customer Friendly

The customer support team at eIndiaInsurance will provide you all support required to buy your preferred insurance plan, or endorse or cancel it if required. We are there to assist you at the time of a claim as well. Just give us a call…

Why should you buy Travel Insurance?

What are the Exclusions under a Travel Insurance policy?

Some of the typical exclusions under the Travel policy will include:
  • any Pre-existing Condition or any complication arising from it (unless specifically covered under certain plans that are purchased by the insured)
  • services, supplies, or treatment, including any period of Hospital confinement, which were not recommended or approved, and certified as Medically Necessary by a Physician
  • routine physicals or other examinations where there are no objective indications or impairment in normal health, and laboratory diagnostic or X-ray examinations except in the course of a disability established by the prior call or attendance of a Physician (an example could be a person visiting the hospital to check their blood pressure or their cholesterol levels, just for their information)
  • elective, cosmetic, or plastic surgery, except as a result of an Injury caused by a covered Accident
  • suicide, attempted suicide (whether sane or insane) or intentionally self inflicted Injury or Illness, or sexually transmitted conditions, mental or nervous disorder, anxiety, stress or depression, Acquired Immune Deficiency Syndrome (AIDS), Human Immune deficiency Virus (HIV) infection
  • being under the influence of drugs, alcohol, or other intoxicants or hallucinogens unless properly prescribed by a Physician and taken as prescribed
  • any loss arising out of War, civil war, invasion, insurrection, revolution, act of foreign enemy, hostilities (whether War be declared or not), rebellion, mutiny, use of military power or usurpation of government or military power, Terrorism
  • congenital anomalies or any complications or conditions arising therefrom
  • participation in winter sports, skydiving/parachuting, hang gliding, bungee jumping, scuba diving, mountain climbing (where ropes or guides are customarily used), riding or driving in races or rallies using a motorized vehicle or bicycle, caving or pot-holing, hunting or equestrian activities, skin diving or other underwater activity, rafting or canoeing involving white water rapids, yachting or boating outside coastal waters (2 miles), participation in any Professional Sports, any bodily contact sport or potentially dangerous sport for which You are untrained (please note that on our eIndiaInsurance website, we offer some insurance plans that cover Adventure sports…so if the insured is likely to participate in any of these activities, it’s best to buy a plan that covers Adventure Sports)
  • pregnancy and all related conditions, including services and supplies related to the diagnosis or treatment of infertility or other problems related to inability to conceive a child; birth control, including surgical procedures and devices
Please note that this is not the complete list of exclusions. Please refer to the terms and conditions (policy wordings) that have been shared with the insured along with the policy certificate for the exhaustive list.
insurance claims
Standard claims procedure of India travel insurance
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    Bangalore - 560 034.
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