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Travel insurance Simplified
Just because travel can pose a few risks, we do not stop travelling. Instead, we
identify and assess possible risks and manage them suitably. When travelling overseas
whether for business or pleasure or both, make sure that you buy travel insurance
to cover your risks. Make your business trips or vacations safe and memorable by
buying travel insurance before commencement of travel.
Why Buy Travel Insurance
Travel Insurance offers insurance protection while you travel. Travel Insurance
may be called by different names by insurance companies. It is important for you
to check and understand whether the policy covers domestic travel or overseas travel
or both. Travel Insurance protects you and/or family against travel related accidents,
unexpected medical expenditure during travel, losses such as baggage loss, loss
of passport etc and interruption or delays in flights or delayed arrival of baggage
What Travel Insurance to Buy
The Scope of Cover and Benefits offered by different insurance companies would vary.
You must shop around to ensure that you purchase the best travel insurance policy
that you need. The following are covers that are generally provided under Travel
Insurance- though the combination may vary. The list, however, is not exhaustive.
- Medical Expenses with or without cashless facility (most travel insurance products
offer cashless facility)
- Personal Accident
- Loss of Baggage
- Delay in Baggage arrival
- Loss of Passport
- Travel Delay
- Transportation of dead body etc.
The Sum Insured offered may vary and so would the premium rates, which would depend
on the country in question, apart from other factors such as Age, Period Of Travel
You must go through the exclusion clauses very thoroughly. Ask your insurer and/or
agent or broker for clarifications wherever you have a doubt. In general, the following
are not covered in an International travel insurance policy:
- Pre-existing diseases
- War Risks
- Suicide and Insanity
- Hazardous Sports
There could be some exclusions relating to personal effects.
It is also very important for you to understand what to do in case a claim situation
arises abroad. Generally, international travel insurance policies provide hotline
numbers where intimation of claim/s should be given. You must also notify the concerned
authorities involved e,g, local police, embassy, transportation company etc, as
applicable. The insurer should also be notified. Normally, every International travel
insurance policy docket will also contain a claim form as you will be away in a
distant place and may not be in a position to obtain a claim form immediately.
Compare Travel Insurance Policies in India
In order to buy the best travel insurance policy in India at a very short notice,
it is important to compare all the products that are available in the market. Several
insurance websites provide International travel insurance comparison where you can
visit their portal and compare various travel insurance policies available in the
market. Comparison helps you quickly make a decision.
Compare and buy travel insurance policies online in less than 15 minutes here at
Bimadirect from wherever
you are. We have partnered with most leading travel insurance companies in India
and connect online with them to bring their best travel insurance products on this
single platform for your comparison and buying selection. To save your time and
money and simplify your Insurance purchase, you can view premium quotes and Compare
Insurance Policies and Plans, and get side by side comparison of Benefits and Premiums.
International travel insurance comparison is a free service on our website.
Before, during or even after the process of your Travel insurance policy purchase,
if you need guidance at any stage, please talk to our insurance specialist by calling
on our toll free help desk, invoking chat or by sending us an email.