Travel Insurance - your ticket for safe travels
Some of ther risk covered by travel
Protect your baggage and contents with travel insurance
Travelling abroad exposes you to myriad cultures and breathtaking sights. While the reasons for travel could be anything - fromleisure to business and backpackingto family time - every trip comes with varying amount of inherent risks. To make the most of your trip, plan it with care.
A comprehensive travel insurance policy financially covers you and your family from a long list of common perils of travelling. Cashless hospitalization and a 24x7 helpline ensure that you get the right assistance in your time of need.
What Is Covered?
A comprehensive travel insurance policy covers common travel concerns like medical emergencies, flight cancellations or delays, lost baggage and defaults on the travel agent/ supplier's end, etc.
Even extreme situations, such as accidental death or disablement are covered under these policies. Different insurance companies offer policies that are tailor-made for the needs of the insured.
A few of many risks covered under these policies are as follows:
Trip Delay or Cancellation
Technical issues, bad weather or ticketing issues - thereare several factors that can result in your trip getting delayed or even cancelled. In case a trip is delayed for over a certain amount of time due to problems at the airline's end, natural disasters or personal problems covered under the policy, a specific amount per day is reimbursed to the policyholder.
In case your trip is interrupted mid-way, a travel insurance policy covers the costs incurred for the unexpected return trip. The reason for such interruptions can be the ill health of the policyholder or of a travelling companion. Certain travel insurance policies cover your cost of returning home if an immediate family member is hospitalized.
Hospitalization and Claims
Hospitalization coverage is particularly useful in case of unexpected medical treatment abroad. With facilities for availing cashless hospitalization, travelers can ensure that they are able to afford the high costs of treatments abroad.
Loss of Baggage and Passport
Losing your baggage or passport during an international trip can be a stressful experience. Travel insurance allows claims for expenses towards reissuance of passport. Under this policy, all baggage, including hand baggage may also be insured. In case the checked-in baggage is lost, the compensation depends on the value of contents in the baggage while in case of burglary or theft, a fixed compensation is provided, except in case of jewelry.
Unexpected Hotel Accommodation
Under personal liability, you are insured against financial liabilities you may encounter while abroad
What is not covered?
- Any claim arising out of a pre-existing medical condition
- Dental treatment
- Chemotherapy or radiotherapy expenses
- Mental or psychiatric disorders
- Any injury or illness caused due to consumption of alcohol or other illegal drugs
Cashless hospitalization is aboon in an emergency
Filing a Claim
Keep the following documents safely as you require them to file a claim:
- Flight tickets
- Original medical documents
- Attested medical bills in case of reimbursement
- Any other documents required by the insurer to verify the claim
Sickness, flight delays or cancellation; when things go wrong, you might need to alter your plans and make unforeseen changes to your itinerary. This might include unexpected hotel accommodation. A travel insurance policy covers claims for expenses incurred towards such forced change of plans.
Death or Permanent Total Disability
In unfortunate cases where the insured passes away or is severely injured during his/her trip, the insurer pays a pre-decided amount of compensation to the nominee in the policy. The amount may vary depending on the nature and cause of the disability.
The extent of your policy's coverage depends on the type of policy you choose and the additional riders that you opt for.
International travel insurance policies can offer assistance to your family back home while you are abroad. This add-on or optional feature in your insurance plan provides peace of mind to you as well as your dependent family members under any medical, automotive or logistical emergencies.
Services like arranging for a medical concierge or a car mechanic can be easily availed. Some of the other services provided are electrical assistance, pest control assistance and plumbing assistance.
You may also opt for a comprehensive insurance plan that covers your house against the risk of fire or burglary during your trip abroad.
With a travel insurance policy, you have the benefit of cashless hospitalization, where the insurance company settles your hospital bill directly. This provides financial convenience, as you do not need to shell out money from your pocket to pay for astronomical medical bills abroad.
The major benefits of cashless hospitalization are:
- Hassle-free hospitalization with Health Insurance Card
- Worldwide network of healthcare providers
- No waiting for claims or reimbursement
Ensure your insurer's 24x7 toll free helpline number is accessible at all times while travelling. You insurer will assist you with any medical or non-medical emergency by providing you valuable advice and information.
Purchasing Online Travel Insurance
Purchasing travel insurance for you or your family was never easier. Individuals up to 85 years of age can purchase a travel insurance policy online without any medical check-up. You can also purchase a policy using the IL Insure App, which also helps you file claims and manage other aspects of your policy.
Upon purchasing a policy, a hard copy of the policy is sent to you, while a soft copy is available instantly. You policy document lists all the risks that are covered under the policy, as well as any exclusions. Read the terms and conditions carefully to understand the extent of your coverage.
Travel Smart, Travel Safe
Travel insurance is highly recommended while traveling abroad and the details of the same can be found easily on visiting the website or a branch of any insurance company offering non-life insurance policies. A little planning can go a long way in helping one enjoy a trip abroad without any hassles or interruptions.