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Insurance Article

Purchase overseas travel insurance in India and save money on emergency expenses abroad

January 11 2013

insurance plan. Some people shy away from purchasing travel insurance with the argument that the purchase adds to the cost. It is however; extremely essential to consider that a medical or financial emergency may arise on your trip overseas which may burn a hole in your pocket.

Sudden medical exigencies, a loss of your baggage or passport, among other situations, can cause a stressful situation and the best way to avoid all these hassles is by purchasing a travel insurance policy.

It would be beneficial to consider ICICI Lombard travel plans when purchasing overseas travel insurance in India. One big advantage of purchasing the insurance cover is India is the savings factor. As payment is made in Indian rupees, you end up saving considerable foreign exchange without compromising on the extent of coverage offered. Such a purchase reduces travel costs to a large extent and also keeps you at ease as you are better prepared to tackle any situation which may arise on your trip aboard.

Designed for one-time return trips, the single round trip insurance cover offers the choice of a maximum medical sum insured up to USD 2.5 Lakh (as per the plan opted). The policy has a maximum duration of 180 days and may be easily extended online by another 180 days. Not just that, with the slab based payment structure, you pay for the initial 7 days after which, premium is calculated on a per day basis. Thus, an extension in your trip does not cost you extra and you can enjoy the benefits of your policy without any interruptions.

Offering a maximum Sum Insured up to USD 5 Lakhs (as per plan opted), the gold multi trip plan may takes care of several medical and non-medical expenses to make your trip overseas smooth and without any financial worries. This travel policy format has one-time premium payment feature which allows you to enjoy the benefits of this policy for a year without any hassles of policy extension.

With features like cashless hospitalisation, all your medical costs are taken care of by the insurance policy when availing of treatment at any of the network premium quality health care providers the world over. Also, checked in baggage loss, checked in baggage delay are all covered in this travel policy format. In case of passport loss, the travel insurance plan may helps you procure a duplicate or equivalent document with the settlement of a small deductible.

Thus, purchasing overseas travel insurance in India helps curtail unwanted expenses and also keeps you better prepared in the wake of any unexpected situation.

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. ICICI Lombard General Insurance Company Limited. Insurance is the subject matter of solicitation.

 IRDA Reg. No. 115

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Product Code: Misc. 129

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