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Best Indian Domestic Travel Insurance

India is home to 1.3 billion people (more than 15% of the world population) and we are on the way to becoming the most populous nation in the world over the next 30 years. So it will be naïve to expect that so many Indians will be sitting at home and not wanting to venture out and explore India and the rest of the world. The India Domestic and International Tourism industries have exploded over the past 4-5 years, when the average Indian’s disposable income has significantly shot up and more importantly, many have started to spend their earnings rather than save it for a rainy day. Persons have realised that there is so much of India left unexplored or virgin in terms of tourist visits and hence the domestic Travel business is also set to grow rapidly. People have also realised that time is indeed money, so domestic air travel has shot up as is depicted in the slide below:
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domestic graph In 10 months the number of domestic travellers will cross last year’s number of travellers.
But importantly one should note that the number of travellers buying insurance is still a very significantly low when compared to more mature markets around the world. In 2017, against 1171 lac passengers who boarded a flight, only 36 lacs travellers insured their trip, which translated to just 3.1% penetration. domestic graph
People have graduated to air travel from rail travel as can be seen in the railway travellers non suburban (intercity) data, which has remained almost stagnant over the past 7-8 years. domestic graph
To address this situation the Indian Government along with IRCTC introduced a low cost travel insurance optional plan with all train bookings done online through the IRCTC platform…but even then more than 65% of travellers opted out of the coverage resulting in this being reintroduced two years later as an opt in plan (customers have to choose to buy it), and the penetration of the policies sold to the overall tickets issued was relatively low at just 3.6% (1277 lacs policies in the 12 months against 35500 lacs tickets issued in the same period, translating to just 3.6% penetration).

This is just the two most critical modes of transport that we have taken to elucidate the situation…if we take the travellers by road (both public and private transport), this penetration of Domestic Travel Insurance will reduce even more.

This clearly is a massive opportunity for the insurance companies and distribution partners (and the Government of India) to educate travellers about the risks associated even in domestic travel and how insurance protection can be purchased at a very reasonable cost.

Why should one buy Domestic Travel Insurance?

Travel insurance coverage is essential whether it is an overseas travel or within home country. Domestic travel insurance plan is specifically designed for those who travel within India. Emergencies like sudden illness, accident, medical evacuation, repatriation, missed departure are always unexpected and cause financial loss. Domestic travel insurance plan safeguards you from financial crisis during an emergency while you are traveling anywhere in India.

The purpose of any Travel Insurance policy is to ensure peace of mind to the traveller when they leave home for a holiday or on business. It is also required to cover any unforeseen expense that may come up due to medical or non medical reasons during the trip. One must realise and acknowledge that such exigencies are as likely to happen abroad as in India. This suggests that every traveller should protect themselves from financial loss even during their travels within India.

The most common excuses for not buying Travel Insurance for trips within India are:

  • Nothing will happen, I’m traveling for just 2-3 days and within India
  • I don’t know where to buy a Domestic Travel insurance policy from
  • The premium may to be too high and I’m already over budget for this trip
  • Are there actaully any claims filed for losses during Domestic trips? The claims process will be too complicated for such a small claim


The traveller could have an unfortunate accident and need medical assistance or even evacuation to a hospital from a remote location…the common carrier they are traveling with could lose or delay delivering their bags…their unattended home could be burgled when they are on vacation…you could miss your flight or train for genuine reasons while reaching the airport / railway station…there could be an untimely passing away of a family member and his/her remains will need to be transported back home…your flight could be delayed indefinitely due to technical snags of the aircraft…your trip could be cancelled or curtailed due to illness or hospitalisation…accidental coverage for Adventure Sports while vacationing…DOMESTIC TRAVEL INSURANCE plans offer coverage for all of these unforeseen emergencies…

So why shouldn’t one buy Travel Insurance when traveling within India next time?

Domestic Travel Insurance
Insurance Companies offering domestic travel insurance
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

Exclusions under the Domestic Travel Insurance programs

Some of the key exclusions are; please refer to the entire list of exclusions under each plan.
  • The Insured Person is travelling against the advice of a Physician or is travelling for the purpose of obtaining treatment
  • Any Pre-existing Condition or any complication arising from it
  • Suicide, attempted suicide or any self-inflicted Injury or Illness, or sexually transmitted conditions, mental or nervous disorder, anxiety, stress or depression, Acquired Immune Deficiency Syndrome (AIDS), HIV infection
  • Being under the influence of drugs, alcohol, or other intoxicants
  • Congenital anomalies or any complications or conditions arising there from
  • Participation in Adventure Sports including winter sports, skydiving/parachuting, hang gliding, bungee jumping, scuba diving, mountain climbing or participation in any Professional Sports,
  • Any loss due to attempted or wilful participation in, or any violation or attempted violation of the law
  • Any loss, injury, damage or legal sustained directly or indirectly by any terrorist or member of a terrorist organization, narcotics trafficker, or purveyor of nuclear, chemical or biological weapons.
There are however specific plans to cover Adventure Sports and some plans offer Pre Existing coverage at additional cost.
Compare and BuyYou can compare domestic travel insurance policies by different insurance companies at E India Insurance. You can buy the best policy that suits your requirements by using a credit card, a debit card or a cheque. If you have further doubts you can call us at +91-(80)-41744345 and talk to our customer support executives.

Domestic Travel Insurance Products

  • Available for ages till 70 years
  • 24 hrs. Emergency Assistance Service
  • Available for ages 18 yrs to 65 yrs
  • Tension free and Risk free

Domestic Travel Insurance Article

The purpose of any Travel Insurance policy is to ensure peace of mind to the traveller when they leave home for a holiday or on business. It is also required to cover any unforeseen expense that may come up due to medical or non-medical reasons during the trip. One must realise and acknowledge that such exigencies are as likely to happen abroad as in India. This suggests that every traveller should protect themselves from financial loss even during their travels within India. In India, Domestic Travel Insurance is perhaps one of the most under penetrated segments of the insurance markets. Thanks to some of the Online Travel Agencies (OTA’s), Domestic Airlines and IRCTC who sell some basic coverage to online passengers, there is some penetration, but this has to be significantly increased in the coming years and is going to be one of the largest opportunities for insurance companies and distributors going forward with almost 900 crore travellers across all modes of transport annually.

The most common excuses for not buying Domestic Travel Insurance for trips within India are:
  • Nothing will happen, I’m traveling for just 2-3 days and that too within India
  • I don’t know where to buy a Domestic Travel insurance policy from
  • The premium may to be too high and I’m already over budget for this trip
  • Are there any claims actually paid for losses during Domestic trips? The claims process will be too complicated for such a small claim
The traveller could have an unfortunate accident and need medical assistance or even evacuation to a hospital from a remote location even when they are travelling within India…the common carrier (airline, train, bus) they are traveling with could lose or delay delivering their bags…their unattended home could be burgled when they are on vacation…the insured could miss their flight or train for genuine reasons while reaching the airport / railway station…there could be an untimely passing away of a family member and his/her remains will need to be transported back home…the insured’s flight could be delayed indefinitely due to technical snags of the aircraft…the trip could be cancelled or curtailed due to illness or hospitalisation…accidental coverage for Adventure Sports while vacationing…it may be interesting to note that DOMESTIC TRAVEL INSURANCE plans do offer coverage for all of these unforeseen emergencies…

Most of the Domestic Insurance plan covers include: Benefit Descriptions for some of them include:
  • Missed Departure - In the event of missing the departure of your booked journey, the cost of your actual ticket(air / rail) will be reimbursed subject to certification by the concerned authority.
  • Accommodation charges due to trip delay - In the event of the trip delay, the extra accommodation expenses incurred will be reimbursed.
  • Lost ticket reimbursement - In case of a ticket loss due to which one cannot continue the journey the actual cost of the ticket will be reimbursed.
  • Emergency medical evacuation - In the event of a medical emergency, the arrangements for the evacuation and transportation of the insured for appropriate & quality medical care, shall be covered.
  • Repatriation of Remains – Coverage is provided up to the amount stated in the Policy Schedule for covered expenses reasonably incurred to return the insured’s mortal remains body to Your usual residence in India if You die during a Trip. Covered expenses include, but are not limited to, expenses for: (a) embalming;(b) cremation;(c) coffins; and (d) transportation.
  • Replacement Of Staff (Business Trip) – the insurer shall pay upto the sum insured in respect of reasonable additional travel and accommodation expenses necessarily incurred under the circumstances in - 1. Sending out a replacement for an Insured Person; and returning the replacement following the completion of the duties necessarily undertaken. Alternately, returning the original person, back to the usual town in India or seding out the original Insured Person to complete a tour of duty following recovery from disability
  • Family Transportation - If the insured is hospitalized for a long period of time following a covered hospitalization, the insurer will pay subject to SI for the the cost of round-trip economy airfare to bring one of Your Immediate Family Members chosen by You to and from Your bedside or pay the reimbursement of the hotel room charge due to convalescence after Your Hospital discharge
Some of the exclusions under the Domestic Travel Insurance Plans include:
  • 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

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Travel Insurance Useful Links

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