your foreign trip. A travel policy will offer coverage for several medical and non-medical exigencies which are likely to dent your pocket and upset your travel plans. It is thus important to select a good travel insurance policy so that you are adequately covered and well-prepared to face any exigency in a foreign land. Buying your policy must therefore be done with careful consideration and taking several factors into account.
It is always better to refer to reliable sources than depend on hearsay to select your policy. This is because, a policy which may work for a friend or a relative may not be sufficient for your travel needs in a foreign land. Conventionally, to get more information on travel insurance, it would be the insurance agents from different insurance companies that would be consulted. However, meeting with several insurance agents requires the investment of time, which may not be possible for all given hectic work schedules. As a result, the internet has emerged as a reliable source for such information. Thanks to its easy accessibility, it is very convenient to get access to several insurance quotes. Another good way to gather information on travel insurance policies and common practices is through a travel insurance guide.
Such an insurance guide for travel will give you a clear idea about the essential covers which must feature in your policy. For example, cashless hospitalisation must be an intrinsic part of your travel policy as it will come handy to get prompt medical treatment. With such a cashless cover, the insured can get treated at any of the premium quality health care providers in the insurer’s worldwide network without having to worry about settling the hospital bills or other medical expenses. Your travel insurance guide will also give you a clear idea about the premium payable and will explain several intricate policy terms like deductibles or co-payments. A thorough knowledge of such terms will be helpful and you will know exactly how much costs that you will be required to shell for some covers in your insurance policy.
Once you have gained a clear idea about the working of a travel insurance policy, selecting one for your overseas trip will be greatly simplified. Depending on your needs, duration of travel and your budget, narrowing down on different available covers will get easier. Some insurance providers allow you to buy your policy your policy online, make instant payments and get a digitally signed policy document without even having to undergo any medical tests.
Disclaimer - The article contains only an indication of the cover offered. For complete details on coverage, terms, conditions and exclusions, please read the sales brochure carefully before concluding a sale. This article is brought to you by ICICI Lombard General Insurance Company Limited. Insurance is the subject matter of solicitation.
IRDA Reg. No. 115
Toll Free No: 1800 2666
Job Code: EC013017MI
Product Code: Misc. 129