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Indian travel insurance vs International Travel insurance

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Currently many Indians are opting to buy their International Travel Insurance from foreign insurers assuming that the Indian Insurance plans are not comprehensive or do not have certain coverage. It is important to note that Indian International Travel insurance plans are comparable and in many cases superior in terms of coverage to their foreign counterparts and the premiums are significantly lower for an equivalent coverage sum insured.
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Advantages of Indian overseas travel insurance over International insurer policies

The table below provides an overview of the comparison between the Indian Travel insurance plans and that of the Global insurers. While one can observe that the Medical benefits are comparable, the limits of cover can be much lower in the global plans. Also on the Travel benefits, most Global plans do not offer any coverage at all. It is important to note that atleast 40-45% of claims filed by Indian travellers are for Non Medical/Travel related claims, this typically means that there would be no cover available if the traveller opts for a global plan.

One of the key reservations that most Indian travellers have is of the availability of Inpatient Cashless Treatment under the Global plans. All Indian travel insurance for travel abroad also offer Inpatient Cashless coverage and hence the traveller will not end up spending their money for a covered hospitalisation.
Coverage Indian Insurers International Insurers
Accident & Sickness Medical Expense Coverage tick tick
Global Assistance TPA for Medical & Non Medical Assistance tick tick
Personal Liability tick tick
Sickness Dental Cover tick tick
Repatriation of Remains / Medical Evacuation tick tick
Inpatient Cashless Treatment tick tick
Baggage Loss / Delay tick tick
Passport Loss tick tick
Trip Cancellation / Delay tick tick
Bounced Hotel & Air Booking tick tick
Other Travel Benefits – Flight Delay, Hijack, Missed Connection, Loss of Personal Effects etc tick tick
Home Burglary in India tick tick
Premium Payment Upfront in ₹ INR Upfront in $ USD / Other Foreign Currency
Illustrative Example for Plan Coverage - $500,000 + Duration is 90 days (Deductible for US plan is $250 and Indian plan is $100) Premium in ₹ INR 10,865 - 13,004 Premium in ₹ INR 25,690 - 27,720

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Travel insurance useful links

How to buy online?
How to buy online?

You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque

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Already outside India
Already outside India

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

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Online renewal
Online renewal

Insurance customers can renew their existing policy online before the exipry date at any time.

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Insurance claims
Insurance claims

In case of a claim or reimbursement of treatment expenses, notify by contacting them.

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Policy wordings
Tips on air travel

Travel tips for Indian parents

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How are Claims settled?
How are claims settled?

Are travel insurance directly billed or is it reimbursement basis, is there a hospital network

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How does travel insurance work
How does travel insurance work

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

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Healthcare cost overseas
Healthcare cost overseas

Comparison of overseas Healthcare cost and popular tourist destinations

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Tips to find best travel insurance
Tips to find best travel insurance

Tips to find good and adequate international travel health insurance

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