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Travel Insurance

Travel insurance in India

Travel insurance in India provides coverage for unexpected events that may occur during domestic or international travel. According to Wikipedia, travel refers to the movement of people between distant geographical locations. This movement can involve various modes of transportation such as foot, bicycle, automobile, train, boat, bus, airplane, or others, with or without luggage, and may be one-way or round trip. Travel can also encompass shorter stays between consecutive movements.

Tourism, on the other hand, encompasses travel undertaken for pleasure or business purposes. It includes both the theory and practice of touring, as well as the industries involved in attracting, accommodating, and entertaining tourists, and operating tours. Popular destinations for Indian travelers can be either international or within their own country.

Importance of travel insurance

The World Tourism Organization, through its UNWTO Report each year, offers a broader definition of tourism, expanding beyond the traditional notion of holiday activities. It includes people traveling to and staying in places outside their usual environment.

The importance of travel insurance cannot be overstated. Throughout history, people have traveled for leisure, business, visiting friends, participating in religious activities, and even for medical treatment. According to the World Tourism Organization's 2018 report, these are among the primary reasons people travel globally.

Today, Indians explore destinations worldwide, with the USA, UK, Australia, Schengen countries, Dubai, Thailand, Sri Lanka, Maldives, and other Asian countries being particularly popular. Indian travelers span all demographics—from children to elderly, from healthy individuals to those with pre-existing medical conditions. While travelers hope for smooth journeys, unforeseen circumstances, whether medical or non-medical, can lead to financial and emotional stress.

This is why it's highly recommended that every traveler invests in comprehensive travel insurance. Among the most crucial forms of financial protection available, overseas mediclaim insurance covers international travel, while domestic health insurance applies within India. Adding international health insurance to your travel checklist ensures peace of mind whether traveling for leisure, business, or any other purpose.

Today, purchasing international travel medical insurance is straightforward. Using online platforms, travelers can calculate premiums, review and compare benefits from various Indian visitor health insurance plans, and purchase the best India travel mediclaim insurance—all without needing to call an agent or visit an insurance office. So, what exactly does visitor travel insurance cover?

Travel insurance after departure

As per legal guidelines of the Insurance Regulatory and Development Authority of India (IRDAI), you have to buy International Travel Insurance before you leave India. Having said that in the extreme situation that you have travelled abroad without purchasing your Travel Insurance policy, we can make a representation to the insurance company with your application and subject to their approval, issue your Travel Insurance policy. Contact eindiainsurance customer support at  +91-(80)-41101026 and our staff will try to get approval to buy best post departure travel insurance in India.
Buy best post departure travel insurance in India »

Types of travel insurance

What are the various cheap travel insurance India 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:

  • Insurance companies offering cheapest International travel insurance online

    • travel insurance tata aig
    • travel insurance bajaj allianz
    • reliance travel insurance
    • Cholamandalam Insurance Plans
    • Future Generali Insurance plans
    • Religare Insurance Plans
    • hdfc ergo travel insurance
    • Royal Sundaram Insurance Plans
    • go digit Insurance Plans
    • Universal sompo Insurance Plans
    • Star Health Travel Insurance Plans
    • SBI Travel Insurance Plans
    • Oriental travel insurance
    • IFFCO Tokio Travel Insurance Plans
    • New India Travel Insurance Plans
    Overseas travel insurance, also known as overseas mediclaim policy 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 offering Student travel insurance

    • TATA AIG Insurance Plans
    • Bajaj Allianz Insurance Plans
    • Reliance Insurance Plans
    • Cholamandalam Insurance Plans
    • Future Generali Insurance plans
    • Religare Insurance Plans
    • HDFC ERGO Insurance Plans
    • Royal Sundaram Insurance Plans
    • Star Health Student Insurance Plans
    • Universal sompo Insurance Plans
    Student travel insurance is an insurance policy specifically designed for Indian students travelling abroad on a student visa to pursue their higher studies. Student medical insurance covers students enrolling in colleges, universities or institutes in a foreign country for professional/other academic courses. There are benefits 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
  • Companies offering the best overseas travel insurance for Senior Citizens India

    • TATA AIG Insurance Plans
    • Bajaj Allianz Insurance Plans
    • Reliance Insurance Plans
    • Cholamandalam Insurance Plans
    • Future Generali Insurance plans
    • Religare Insurance Plans
    • Royal Sundaram Insurance Plans
    The Indian senior citizen travel insurance plan is specifically for older travellers normally about the age of 70 years. The best Indian Senior citizen travel insurance plan 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
  • Compare travel insurance India, Insurance companies offering Asia travel insurance plan

    • TATA AIG Insurance Plans
    • Bajaj Allianz Insurance Plans
    • Cholamandalam Insurance Plans
    • HDFC ERGO Insurance Plans
    • Reliance Insurance Plans
    • Future Generali Insurance plans
    • Royal Sundaram Insurance Plans
    •  Insurance Plans
    The Asia travel insurance plan is suited for travellers within Asia. Normally these trips are of shorter duration and are more for Leisure/Holidays and hence the sum insured’s 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 offering Schengen Visa travel insurance plan(VFS Global approved)

    • TATA AIG Insurance Plans
    • Bajaj Allianz Insurance Plans
    • Cholamandalam Insurance Plans
    • Reliance Insurance Plans
    • Future Generali Insurance Plans
    • Religare Insurance Plans
    • Royal Sundaram Insurance Plans
    The Schengen visa 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 offering Domestic travel insurance India

    • TATA AIG Insurance Plans
    • Bajaj Allianz Insurance Plans
    • Universal sompo Insurance Plans
    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 offering Corporate travel insurance program

    • TATA AIG Insurance Plans
    • Bajaj Allianz Insurance Plans
    • Reliance Insurance Plans
    • Religare Insurance Plans
    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 offering Family travel insurance plan

    • Bajaj allianz Insurance Plans
    • Reliance Insurance Plans
    • Religare Insurance Plans
    • HDFC ERGO Insurance Plans
    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

Travel insurance FAQ's

What is International Travel Insurance and why do I need it?

International Travel Insurance is a financial safety net that protects you from unforeseen events and expenses during your overseas trip. It's crucial because medical costs abroad (especially in countries like the USA, Canada, and Europe) can be extremely high, and your domestic health insurance may not cover you outside India. It also covers non-medical emergencies like trip cancellations, lost baggage, or passport loss.


Is travel insurance mandatory for all international destinations?

No, it is not mandatory for all international destinations. However, it is mandatory for obtaining a visa to certain countries, most notably all Schengen Area countries (which require a minimum medical coverage of €30,000). Even where not mandatory, it is highly recommended for peace of mind and financial security.


What does international travel insurance typically cover?

Most comprehensive international travel insurance plans cover: * Emergency Medical Expenses: Hospitalization, doctor's fees, diagnostic tests, outpatient treatment for new illnesses or injuries. * Emergency Medical Evacuation & Repatriation: Costs to transport you to the nearest appropriate medical facility or back to India. * Repatriation of Remains: In case of unfortunate demise. * Trip Cancellation/Curtailment: Reimbursement for non-refundable expenses if your trip is cancelled or cut short due due to covered reasons (e.g., illness, family emergency). * Lost/Delayed Checked Baggage: Compensation for lost luggage and daily allowance for delayed baggage. * Loss of Passport: Covers expenses for obtaining a new/duplicate passport. *Personal Accident: Financial compensation for accidental death or permanent disability. * Personal Liability: Protection if you accidentally cause injury to a third party or damage their property. * Emergency Dental Pain Relief: For acute dental emergencies. * COVID-19 Coverage: Most plans now include medical expenses related to COVID-19.


Does travel insurance cover pre-existing medical conditions (PEC)?

Generally, standard international travel insurance policies do not cover routine treatment or ongoing management of pre-existing conditions. However, many comprehensive plans, especially those for senior citizens, offer limited coverage for the "acute onset of a pre-existing condition." This refers to a sudden, unexpected, and severe flare-up of a stable pre-existing condition that requires immediate life-saving medical attention, often with specific sub-limits. Always check the policy wording carefully.


How much does international travel insurance cost?

The cost depends on several factors: * Destination: Travel to USA/Canada is most expensive. * Duration: Longer trips cost more. * Age of Traveler(s): Premiums increase significantly with age. * Sum Insured (Coverage Amount): Higher coverage means higher premium. * Type of Plan: Comprehensive plans cost more than basic ones. * Deductible: A higher deductible lowers the premium. You can get an instant quote on our website by providing your travel details.


What are "Deductibles" and "Sub-limits"?

Deductible: This is the initial amount you pay out-of-pocket for a covered claim before the insurance company starts paying. For example, if your deductible is $100 and the bill is $500, you pay $100 and the insurer pays $400. * Sub-limits: These are caps on specific benefits within the overall policy maximum (e.g., maximum daily room rent, maximum for a specific surgery). Choosing plans without sub-limits (if available for your age/destination) offers better financial protection


Can I buy travel insurance if I am a senior citizen? What are the age limits?

Yes, you can. Most insurers offer specific Senior Citizen Travel Insurance plans with extended age limits, sometimes up to 90 or 99 years. These plans often have specific terms regarding pre-existing conditions and are tailored to the needs of older travelers.


Can I buy international travel insurance online after I have already left India?

No. Travel insurance policies must typically be purchased before you depart from India. The policy's commencement date must be on or before your departure date.


How do I make a claim while I'm abroad?

In case of an emergency, immediately contact your insurer's 24/7 global assistance helpline (number provided in your policy document). They will guide you through the process, which often involves cashless hospitalization at network hospitals or instructions for reimbursement claims. Always keep all relevant documents (medical reports, bills, police reports, etc.).


What is the difference between a Single Trip and an Annual Multi-Trip policy?

* Single Trip Policy: Designed for a single, specific trip for a defined duration. * Annual Multi-Trip Policy: Ideal for frequent travelers who take multiple international trips within a year. You purchase one policy for 365 days, covering unlimited trips (each trip typically limited to 30, 45, or 60 days). It's often more economical for multiple journeys.


Is COVID-19 covered under international travel insurance?

Yes, most international travel insurance plans now include coverage for medical expenses related to COVID-19, treated like any other illness. Some may also cover quarantine expenses. It's advisable to confirm the specific COVID-19 benefits when comparing plans.


Why should I buy from eindiainsurance.com?

eindiainsurance.com allows you to: * Compare plans from multiple leading Indian insurers side-by-side. * Get instant quotes tailored to your specific needs. * Benefit from expert advice and unbiased recommendations. * Enjoy a simple and quick online purchase process with instant policy issuance. * Access dedicated customer support for queries and claims.

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Emergency medical expenses

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Travel exigencies

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medical_information
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Financial emergencies

  • Emergency cash advance
  • Fraudulent charges
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Other non medical benefits

  • Home burglary
  • Personal liability
  • Hijack coverage
coronavirus

COVID-19 Covered

  • When you’re travelling abroad, we’ll help you take care of the cost of treatment for COVID-19 if you test positive in the middle of your trip.

Factors to consider while buying travel insurance

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:

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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.

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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.

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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.


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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.

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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.

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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.


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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.

Benefits of buying travel insurance

Make sure you all review the entire list of coverage available with each insurance plan. Some insurance companies offer affordable travel insurance compare India with 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:

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Trustworthy

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

It is very simple to get quote and choose your preferred option at eindiainsurance.
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Fast and Easy

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

Complete a simple online application to compare plans and buy your chosen plan at the most competitive premium on eindiainsurance.
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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 cal...
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Does this travel insurance have direct settlement or payment?

Yes, all travel insurance companies do offer direct/cashless settlement to hospitals for inpatient treatment for Accident of Sickness expenses incurred by the insured traveler. Direct settlement is more often referred to as cashless settlement or payment and is the process where the insurance company issues a Guarantee of Payment (GOP) letter to the medical institution (Hospital) confirming coverage for the insured against the treatment being availed by the insured. This GOP is issued to the hospital after the insurance company/its TPA confirms that the insured does have a valid policy and the treatment/ailment is actually covered under the scope of the policy terms and conditions.

It is important for the insured / family member of the insured to inform the Assistance company as soon as the insured is admitted to the hospital for treatment to ensure they don’t end up spending any money from their pocket except the deductible payable for every claim.

The process for Direct / Cashless Settlement is as follows:
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Insurance needs to be admitted to the hospital for treatment for accident/sickness
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The Insured's family member informs the Assistance Company(TPA) at the earliest
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Assistance Company reaches out to the hospital to ascertain details of the case - pre-existing conditions, etc
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Assistance Company checks coverage and sum insured limits with the Insurance company
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Post all verifications and post-approval from the insurance company, the Assistance company provides GOP to Hospital
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The hospital starts treatment and then claims reimbursement for the expenses incurred against the GOP from the Assistance company/Insurer

Article - Travel insurance online

The enterprising business and leisure travellers are always looking for options to simplify their buying process/experience and Travel Insurance Online fits perfectly into their scheme of things. Travel Insurance online through websites like https://www.eindiainsurance.com offer the traveller an option to view all travel insurance plans of Travel Insurance companies in India apart from Travel Insurance Reviews and Travel Insurance Compare tables to present the traveller all options available for them to choose from. By providing so much information, the traveller can ensure:
  • They have adequate Accident & Sickness (A&S) Expense coverage. For example if the traveller is bound to The Americas (including USA), Europe, UK etc, it is important that they opt for an insurance plan which has a minimum of $250,000 as A&S coverage. If they are bound to South East Asia (SEA) or any of India’s neighbouring countries, they can opt for a lower Sum insured between $50,000 and $100,000
  • They must opt for a plan which has a Trip Cancellation cover in case of any unforeseen emergency due to which they have to cancel their trip. This coverage helps them against a financial loss if they do not get a full reimbursement from the Airline, Hotel or Tour/Cruise company.
  • They should ideally have coverage for Passport and Baggage Loss, Baggage Delay and Personal Liability which are relevant coverages for today’s travellers.
The website has an inbuilt Travel Insurance premium calculator that allows them to review the travel insurance premiums across all the comparable plans before making a decision on the optimum plan for their travel. https://www.eindiainsurance.com also provides the insured traveller to opt for country specific plans for Travel Insurance India to UK, Travel Insurance India to UAE, Travel Insurance India to Canada, Travel Insurance India to USA Travel Insurance India to Europe etc

There are many types of travel insurance plans which cater to the requirements of all categories of travellers Travel Insurance International plans cover travellers bound to The Americas (North & South American continents including USA & Canada) as well as other countries in the world other than North & South American, which is known as Excluding Americas plans. Most companies offer a specific plan for Asia, which covers their travel to any Asian destination or a Schengen Plan which covers travel to any of the 26 Schengen countries in Europe. A few insurers also offer a Travel Insurance Domestic plan which covers the traveller for travel within India. All these are Single Trip plans which cover the individual traveller for a specific trip only.

Almost all insurance companies also offer a Multitrip Insurance policy, which is specifically suited for the frequent traveller. This is an annual plan which covers the insured traveller for any number of trips during that year.
coronavirus

Corona virus – Covid - 19 and India Travel health insurance - Blog

Every few years there always seems to be a new and deadly virustaking over the world…From SARS to Ebola and most recently the Corona virus.The Coronavirus (actually named COVID-2019) outbreak is taking its toll on local residents and travellers across the world and is now officially has taken the maximum number of lives for a virus of this nature.

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Coronavirus (COVID-19)

Also known as SARS-CoV-2, nCov, 2019 Novel Coronavirus, COVID-19 is a new illness that can affect your lungs and airways. It's caused by a virus called coronavirus. There’s no specific treatment for coronavirus (COVID-19). Treatment aims to relieve the symptoms until you recover. It's not known exactly how coronavirus (COVID-19) spreads from person to person, but similar viruses are spread in cough droplets. While the majority of cases result in mild symptoms, some progress to severe pneumonia and multi-organ failure. As of 20 March 2020, the rate of deaths per number of diagnosed cases is 4.1%; however, it ranges from 0.2% to 15% depending on age and other health problems.

What are the exclusions under a travel isurance 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.
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How does travel insurance work

How to use visitor insurance in case of sudden sickness and accidents.

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Visa free countries for Indians

Visa free countries for Indians - Check, list of visa free countries where Indian passport holders can travel without visa.

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Visa on arrival for Indians

Indian passport holders have the benefit of visa on arrival in different countries – find travel insurance suitable for visa on arrival.

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