Repatriation of Remains Cover in Travel Insurance
Repatriation of Remains cover in travel insurance pays for the transportation of an insured person's mortal remains to India if they die during an overseas trip due to a covered illness or injury. Depending on the policy terms, the benefit may also cover local burial or cremation expenses in the country where the death occurs.
Repatriation of Remains Coverage Comparison
The table below compares how each insurer covers the cost of repatriating mortal remains for an individual aged 25 purchasing a 30-day travel insurance policy for Asia. Coverage varies by insurer and plan, with some providing the benefit under the medical expenses limit, while others specify a separate reimbursement amount. Comparing these benefits helps you choose a plan that offers adequate financial protection for your family in the event of an unfortunate incident during your trip.
| Insurer | Plan & Remains Coverage | Action |
|---|---|---|
|
Policy Maximum: $50,000
Included under Accident & Sickness Medical Expenses ($50,000) |
|
|
$15,000 Policy Maximum
Included under Medical Expenses
$25,000 Policy Maximum
Included under Medical Expenses
$30,000 Policy Maximum
Included under Medical Expenses |
|
|
$15,000 Policy Maximum
Up to $5,000 (Included under Medical Expenses)
$25,000 Policy Maximum
Up to $5,000 (Included under Medical Expenses) |
|
|
$25,000 Policy Maximum
Up to $10,000
$50,000 Policy Maximum
Up to $10,000 |
Amounts shown reflect the maximum benefit available per plan tier and vary by sum insured selected at purchase.
| Insurer | Plan & Remains Coverage | Action |
|---|---|---|
|
|
Policy Maximum: $50,000
Return to Home Country: 25% of Sum Insured
Nearest Burial Ground Overseas
Up to $2,500 |
Annual multi-trip limits apply per trip within the policy year, subject to insurer terms.
| Insurer | Plan & Repatriation of Remains Coverage | Action |
|---|---|---|
|
|
Student Plan A (Policy Maximum: $50,000)
Repatriation of Remains: Up to $2,500 (Benefit included under Policy Maximum) |
|
|
|
Student Elite Standard (Policy Maximum: $50,000)
Up to Sum Insured of Medical Expenses
Student Companion Standard (Policy Maximum: $50,000)
Up to Sum Insured of Medical Expenses
Student Prime Standard (Policy Maximum: $50,000)
Up to $5,000 |
|
|
|
Student Standard Without Add-On (Policy Maximum: $50,000)
Repatriation of Remains: Up to Sum Insured of Medical Expenses
Student Standard With Add-On (Policy Maximum: $50,000)
Repatriation of Remains: Up to Sum Insured of Medical Expenses |
|
|
|
Explore Ultra (Policy Maximum: $50,000)
Repatriation of Remains: Up to Sum Insured of Medical Expenses
Explore Plus (Policy Maximum: $50,000)
Repatriation of Remains: Up to $7,500
Explore Super (Policy Maximum: $50,000)
Repatriation of Remains: Up to Sum Insured of Medical Expenses |
Student plan limits vary by policy duration and sum insured selected at the time of purchase.
What Does Repatriation of Remains Cover?
Depending on the travel insurance policy, this benefit may cover:
- Transportation of mortal remains to India.
- Necessary arrangements and documentation for transportation.
- Local burial expenses in the country where death occurs.
- Local cremation expenses in the country where death occurs.
- Reasonable and customary expenses incurred for repatriation, subject to policy limits.
Why Is Repatriation of Remains Cover Important?
When we travel to another country we can get sick or have an accident. This is where Repatriation of Remains cover helps. It reduces the burden on our family members. Repatriation of Remains cover pays for the expenses of transporting our remains or arranging a burial or cremation in a foreign country.
What Are the Situations in Which Repatriation of Remains Is Rejected by Travel Insurance?
Repatriation of remains is a sensitive aspect of travel insurance that involves bringing a deceased person's body back to their home country. However, there are specific situations in which this benefit may be rejected by travel insurance. Here are some common scenarios:
- check_circleRead Policy Details: Always review the specific terms of the travel insurance policy regarding Repatriation of Remains.
- check_circleDisclose Medical History: Ensure that all medical conditions and risks are disclosed when purchasing the insurance to avoid any unnecessary conflicts later.
- check_circleUnderstand Exclusions: Be aware of activities or situations that may not be covered under the policy.
Understanding these factors can help ensure that you select a travel insurance policy that meets your needs and minimizes the risk of denial for repatriation claims. If you have specific questions about the policy or coverage, don't hesitate to reach out to EIndia's Customer Service for clarification on 080 41101026 or email us.
Frequently Asked Questions About Repatriation Coverage in Travel Insurance
Find answers to common questions about repatriation coverage, including what it covers, when it applies, and why it is an essential benefit in international travel insurance.
Why Choose EIndiaInsurance for Travel Insurance with Repatriation Coverage
Medical emergencies abroad can sometimes require emergency medical evacuation or the repatriation of mortal remains. EIndiaInsurance helps you compare travel insurance plans from leading insurers that include repatriation coverage, subject to policy terms and conditions. Compare benefits, get free quotes online, and purchase your policy in minutes to ensure financial protection and assistance during unexpected emergencies while travelling overseas.
What Does Repatriating a Body Actually Cost?
| Route | Typical uninsured cost |
|---|---|
| USA → India | $8,000 - $15,000 |
| UK → India | $5,000 - $10,000 |
| UAE / Gulf → India | $2,500 - $6,000 |
| Within Asia (excl. Japan/Korea) | $3,000 - $7,000 |
Figures are indicative and vary with embalming requirements, documentation, and airline cargo rates at the time of travel.
Step-by-Step: Bringing Remains Back to India
- check_circleObtain the local death certificate and medical cause-of-death report.
- check_circleArrange embalming and get an embalming certificate (mandatory for most airlines).
- check_circleGet a No Objection Certificate from local police if the death was unnatural or unattended.
- check_circleHave the Indian Embassy/Consulate attest the death certificate and issue a transit NOC.
- check_circleBook airline cargo approval for human remains and coordinate arrival-side customs clearance.
If you're insured, your policy's assistance partner typically manages steps 2–5 directly with you only providing initial documentation.
Most policies let the family choose between (a) transporting the body back to the city of residence in India, or (b) local burial/cremation at the place of death both are paid under the same repatriation of remains benefit, up to the sum insured. Choosing local cremation is usually faster and lower-cost, which matters if religious timelines are a consideration.
Documents Checklist
What's Included vs. Excluded
| Usually included | Usually excluded |
|---|---|
| Embalming & preparation | Death from undisclosed pre-existing conditions |
| Coffin/casket & air cargo transport | Death during excluded adventure activities |
| Local burial/cremation (as alternative) | Suicide or self-inflicted harm |
| Consular documentation coordination | Travel against documented medical advice |
Understanding Repatriation of Remains
Most insurers process repatriation-related claims and coordinate logistics within 24 - 72 hours of receiving the death certificate and family authorisation, though international document attestation (embassy/consulate) is often the longest step and can take several days depending on the country.
Repatriation of remains as described on this page applies to international trips. For deaths occurring on domestic Indian trips, check the Domestic Travel Insurance plan wording separately, as benefit structures differ.
Related Coverage
India Travel Insurance Useful Links
India Travel Insurance Blog and Articles
Ready to Protect Your Trip with Repatriation Cover?
Compare the insurers and get the right Repatriation of Remains benefit built into your travel insurance plan.