T
ravel insurance is a type of insurance that provides coverage for the expenses and damage associated with travelling in India and abroad. It covers financial loss due to many unforeseen events like theft, death, medical emergencies, loss of luggage, flight delay, etc. that one usually tends to overlook while planning the vacation or a trip.
Inclusions
- Medical Covers
- Accident and Sickness Medical Expense
- Accidental Death
- Dismemberment Benefit
- Medical Evacuation or Repatriation
- Baggage Covers
- Baggage Delay Benefit
- Covers Lost Baggage
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- Journey Covers
- Trip cancellation
- Trip Curtailment
- Flight Delay
- Personal Liability
- Home Burglary
- Loss of Passport Benefit
Exclusions
- Pre-existing Diseases
- Adventure Sports (Optional)
- Flight missed due to negligence
- Liquor, Drugs
- War, Civil War, or Terrorism
- HIV AIDS
- Ayurveda and homoeopathy
- Cosmetic Treatment
- Suicide or Self-Inflicted Injury
- Loss of Passport When Left Unattended
- pregnancy
Key Notes
- Sub-limits:These are additional limitations under any coverage offered by your travel insurance policy. Sub-limits apply to some insurable losses.
- Deductible:In some cases, you are required to pay some of the initial expenses in case of an insured event. This is to be paid out of your pocket and will not be reimbursed.
- Cashless Settlement:In many scenarios, while travelling, your insurer will directly pay for you in case you incur a loss or damage.
