Travel Insurance 2023 Apply Online Policy Types Benefits : Is there a program to go out somewhere? Going abroad? Or on a hill station or sea beach somewhere in the country? Whatever your program is, you have to prepare for it many days in advance. If you are going abroad, then you have to do a lot of work from flight ticket booking to travel agent, months in advance. It is also necessary to take the currency of the country you are going to.
Apart from this, you also have to see the validity of visa and passport. Even if you are not going to the country by your own car, then booking of flight or train tickets and hotel booking etc. has to be done long before the journey. You plan in advance what you will eat, what you will wear and how you will enjoy while traveling.
Now think for once that as you have thought, you have planned, if everything does not turn out as it should? Did you have an accident or fall ill while traveling? Some such situations have arisen that you have to leave the journey incomplete and come back or if you are not able to go on the journey? Why didn’t my mind wander? In such a situation, all the expenses incurred on flight tickets or train tickets, hotel booking and other planning will be wasted. The extra burden that will fall on your head if you fall ill or have an accident during travel is different. Now you must be thinking what to do then? The answer is to get travel insurance.
What is Travel Insurance?
Simply put, travel insurance provides you with protection while traveling. The name of travel insurance of different companies can also be different. If you are taking travel insurance, then it is very important for you to know whether you are getting coverage on foreign travel or domestic travel or both in that policy. Travel insurance provides coverage to you and your family for a variety of expenses such as travel-related accidents, sudden illness during travel, loss of bag or passport while traveling. Apart from this, coverage is also available for trip cancellation due to any family emergency, air travel interruption, travel delay or similar delayed arrival. Overall, by taking travel insurance, you can enjoy your journey without worry.
When you take a travel insurance policy, read all its terms and conditions carefully, so that you know what coverage is available. Should you have any doubts regarding the policy, if so, talk to your insurance company or agent. Under this policy, coverage is available for a specific period only. Some insurance companies may also offer some add-ons as per the requirements of the customers. Remember, for such corporates who travel frequently, travel insurance is of a completely different kind.
Travel Insurance Key Features
| Insurance Policy Name | Travel Insurance |
| Required Documents Passport | Aadhar Card, Passport, Travel Ticket etc. |
| Minimum age to buy insurance policy | over 18 years |
| How to buy an insurance policy? | can buy online, offline |
| Who can apply for an insurance policy | That Indian citizen is more than 18 years of age |
| Review And rating | 4.5/5 |
What are the types of travel insurance?
Generally, there are two types of travel insurance, but due to some features, they can be of different types which are as follows.
1. Domestic Travel Insurance Policy
2. International Travel Insurance
DOMESTIC TRAVEL INSURANCE PLAN
Domestic travel insurance policy is designed for customers who travel only within the borders of the country. A domestic travel insurance policy protects the policyholder from expenses that may result from the treatment of a medical emergency, theft of baggage, loss and other valuables, flight delays, cancellations, permanent disability and personal liability. Apart from this, you can also claim insurance from the insurance company for the damage done by the third party vehicle.
INTERNATIONAL TRAVEL INSURANCE
International Travel Insurance Policy is designed for those customers who usually travel abroad, under this policy, you are covered under this policy, in addition to your own, the risks of flight hijack, repatriation to India etc. protects from. Apart from this, you also get many types of advanced facilities here.
Some other types of travel insurance
Let us know about some other types of travel insurance
Student Travel Insurance
Student Travel Insurance is specially designed for those students who want to go abroad for studies then student travel policy can prove to be most useful for them. International travel under this policy provides you with all the basic coverage of an international travel policy. Apart from this, it also includes sponsor protection, study interruption, two-way sympathetic travel and bail bond.
Family Travel Insurance
Family travel insurance policy is specially designed to protect the members of the household. If you keep traveling with your family members in the country and abroad, then it is very important for you to take family travel insurance. Under this insurance policy, the insurance company provides insurance cover for any risks and losses caused to the members of your family such as accident, disability, partial disability, death.
Medical Travel Insurance
Medical travel insurance policy specifically covers expenses arising out of medical emergencies, health concerns of the patient. This policy can cover medical expenses for treatment abroad, depending on which policy the policyholder has opted for.
Non Medical Travel Insurance
Non medical travel insurance policy is specially designed for the traveling people. This policy proves to be very useful to protect against problems like trip cancellation, trip interruption, trip cancellation, luggage lost, passport lost, visa rejection, plane hijack.
GROUP TRAVEL INSURANCE
Group Travel Insurance is designed for a group of employees traveling abroad. There is also no need for each individual to buy their own travel insurance policy under this policy. And here you also get a very good discount on premium, you can take advantage of this policy to avoid interruption in travel.
SENIOR CITIZEN TRAVEL INSURANCE
Apart from the usual benefits of buying Senior Citizen Travel Insurance, the policy directed at senior citizens (generally belonging to the age group of 61-70 years) offers additional coverage for dental treatments/procedures as well as cashless hospitalization.
SINGLE AND MULTI-TRIP TRAVEL INSURANCE
Single and Multiple Trip Travel Insurance Policy As the name suggests, a single-trip travel insurance policy retains its validity till the time you are travelling. This includes both medical and non-medical expenses (such as baggage loss, flight delays, etc.).
This insurance policy provides extended coverage (usually lasting for a year in most cases) so that frequent travellers do not have to go through the entire process of getting insurance every time for a trip, you can opt for this insurance policy. You can choose the one that best suits your needs.
Terms and conditions for taking travel insurance
If you are now considering to buy travel insurance, then first of all you have to follow the terms and conditions for taking travel insurance. Let us know what is the eligibility for you to take a travel loan.
- First of all, before taking a travel insurance cover, you should check the eligibility. It depends on what type of insurance you are taking.
- Under the family travel insurance policy, your spouse and two children dependent on you will be covered. The age of adults can be between 18 to 60 years and the age of children can be from 6 months to 21 years.
- People between 16 years and 35 years will get cover under Student Travel Insurance.
- At least 10 people will get cover under group travel insurance.
- Under Senior Citizen Travel Insurance, the age of a person should be more than 60 years.
- To take advantage of travel insurance, you should renew your plans on time, or choose a new policy properly so that you do not have to face any kind of truth while making an insurance claim.
Required Documents for Travel Insurance
If you are taking travel insurance, then you must have some important documents with you only then you will be able to claim your insurance.
- Passport
- Travel ticket
- Aadhar card
- Bank account number
- mobile number
- insurance policy agreement
- Hand filled application form of the insurer
- Policy status form,
- Policy report
- Visa will be required for international travel.
- List of bureaus of the same during the journey
Note: The insurance company can demand other documents according to the need of the insured, so whenever taking insurance read all the information carefully.
How To Apply Travel Insurance
If you want to buy travel insurance then you should know about the ways from where you can buy your insurance policy, friends, here we have told about three ways to buy travel insurance online from Bajaj Allianz which is as follows Is:
- Can buy from official website
- Can be purchased from Caringly Yours Mobile App
- Can buy offline
Buy Travel Insurance Online from Bajaj Allianz Website
Step1. First of all go to the website of Bajaj Allianz.
Step2. Click on the insurance you want to take, and then choose any option from Individual, Family, Business or Student.
Step3. Fill your full name in the given column and then select the policy type. Choose from three options, Leisure, Business Multi-trip, and Student. After that choose the relevant option as per your previous selection.
Step4. You will be asked to enter your date of birth, date of departure and arrival, location and current pincode.
Step5. Bajaj Allianz will analyze your entered details and then send you the quotation over the phone. You can choose the plan immediately.
Step6. Select the plan you want, select the required add-on from the given options and make the payment.
Step7. Wait for the payment confirmation and you will get the insurance meaning receipt on your email immediately.
Buy travel insurance online from your mobile
Step1. First of all download and install “Caringly Yours” mobile application.
Step2. Register by entering your email ID and password.
Step3. After that select Travel Insurance and fill in the details like your name, DOB, travel details, date of travel and your pincode.
Step4. Wait for the application to process your answer and after that you will receive the insurance quotation over the phone.
Step5. Choose a plan best suited to your travel itinerary, add add-ons (optional) and pay for the plan.
Step6. Select the plan you want, select the required add-on from the given options and pay
Step7. After that wait for the confirmation receipt and insurance document, which will be sent to you on your e-mail address immediately.
What does travel insurance cover?
If you are opting for travel insurance then you should know how a travel insurance policy works, it is important for you to know what it covers. Generally, a travel insurance policy gives you coverage in the following situations –
- in times of medical emergency
- on cancellation of trip
- in case of other damage
- personal liability cover
What is not covered in Travel Insurance
If you are opting for travel insurance, then you should know what is not covered in a travel insurance policy. Generally, a travel insurance policy does not give you coverage in the following situations.
- pre-existing diseases or conditions
- risk of war
- suicide or insanity
- Dangerous Sports (Adventure Sports)
Read Also : HDFC ERGO Car Insurance
What Travel Insurance to Buy
The coverage and benefits are different in travel insurance policies of different insurance companies. It is your responsibility to choose the best travel insurance policy for you. Following are some of the covers, which are generally included in all insurance policies. However, the combination may vary. Apart from the cover mentioned below, some companies may also offer many other benefits.
Cover for medical expenses with cashless facility (Most policies offer cashless cover)
personal accident cover cover to lose bag Coverage for delayed arrival of bags passport lost cover Coverage for travel delay cover for transport of carcass etc.
How to get free travel insurance on credit card?
Presently, Axis Bank offers you free travel insurance with Privilege Credit Card, HDFC Bank Regalia Credit Card, IndusInd Bank Platinum Credit Card, IndusInd Bank Platinum Aura Credit Card and Axis Bank Vistara Signature Credit Card etc.
Read Also : Navi Health Insurance
Why is it necessary to take travel insurance?
Nowadays most people like to travel, if you were going to visit some place, it is very important for you to get your travel insurance. Before buying travel insurance, you should know why you should choose travel insurance.
- If a medical emergency comes in front of you during your travel abroad, then you may be worried about its expenses. In such a situation, in the event of the insurance being insured, the insurance company will provide a cover equal to the sum insured on your treatment.
- This facility is not only available on foreign travel but also on domestic trips. Apart from this, sometimes it happens that the place where you are does not have better health facilities, then it will be the responsibility of your insurance company to provide you timely treatment by transporting you to the nearest city or country.
- Some countries, such as Austria, Belgium, Denmark, France, Germany, Italy, Sweden, Switzerland, Australia, Cuba and Dubai in the UAE, place travel insurance conditions before granting visas for their visits. In such a situation, having travel insurance is a mandatory condition for traveling there.
- If anything happens to you during the journey and your cash is lost somewhere, the insured will ensure its availability to you.
- You will get compensation for any untoward incident like flight delay, baggage loss or flight hijack.
- Under Family Travel Insurance, not only you but your entire family will get insurance cover.
Read Also : Reliance Car Insurance
Best Travel Insurance In India
Following are the best travel insurance companies in India where you can also apply for your insurance policies online.
- American International Group
- TATA AIG Travel Insurance
- Travelex India Travel Insurance
- Seven Corners Travel Insurance
- Allianz
- AXA’s Corporate
- Generali Global Assistance
- Berkshire Hathaway Travel Protection
- Acko travel insurance
- travel insurance policybazaar
- travel insurance icici Lombard
- Reliance travel insurance
- hdfc travel insurance
- Bajaj allianz travel insurance
Note: Whenever you buy an online car insurance policy, then you should also see the terms of condition given there, comments of people given on Google, rating, etc. If you want to buy HDFC car insurance policy, then first get the information well, so that you do not face any kind of problem in future.
Read Also : PolicyBazaar Car Insurance
My Last Word:
In this post, we have learned that we have provided information about What is Travel Insurance, ow to Buy Travel Insurance, Travel Insurance Buy Online, Benefits, Reviews. I hope this article is getting help for you, for similar latest information, you can follow us on social media platform and get the solution of your problem. Friends, thank you very much for reading this article till the end!
FAQ’s related to Travel Insurance
Q1. For what maximum days can I take a travel insurance policy?
Ans. Every travel insurance company offers different term policies. A trip up to 182 days can be covered under one trip.
Q2. What is the first thing I do when I fall ill abroad?
Ans. If you fall ill while traveling abroad, you can visit any hospital and inform the travel insurance company for reimbursement after registering the claim.
Q3. What if I lose all the original documents?
Ans. It is very important to provide all the supporting documents to the travel insurer to get your claim approved.
Q4. What is the paperwork required to buy travel insurance online in India?
Ans. There is no paperwork required to buy travel insurance online in India, as it can be bought online.
Q5. How can I cancel my travel insurance policy?
Ans. To cancel your travel insurance policy, you need to contact the travel insurance provider directly. If you have canceled your trip and have not made any claim, all you need to do is submit proof of your passport to show that you have not traveled under this trip. Cancellation request is valid within 14 days from the date of commencement of the policy.
Q6. How many times can the policy be extended?
Ans. Yes, you can extend the travel insurance policy as many times as you want. But this can happen only if the total policy term is equal to or less than 360 days.