When you are on your vacation or business trip in country where you don't know many people, you are not familiar with that country, at that time travel insurance can be a partner which will be there for you in every situation and doesn't even cost much. And we all know when we deeply hope that nothing goes wrong, something goes wrong. Whether it is that cab you booked was late and you reached airport late and missed the flight or the flight you booked is delayed and you need to book another flight or your passport is missing somewhere. Travel insurance covers all this and much more.
1. Trip Cancellation – Your trip cancellation is covered.
2. Checked-In Baggage Loss – After checking in your baggage with airline if your baggage is lost from their custody. Don’t panic it is also covered.
3. Trip Delay – If your flight is delayed then the expenses incurred on it are covered. Also expenses related to meals or accommodation due to that waiting is covered.
4. Medical Expenses – While staying in abroad, any illness or accident occurs for which hospitalisation is necessary, then the medical expenses which are so expensive are covered in travel insurance up to the sum insured.
5. Personal Accident Cover – If during the trip, unfortunately the death of insured or permanent disability occurs due to any accident, then the sum insured amount is paid by the company.
6. Third Party Insurance – Any third party legal claims by a person involved with you in an accident, charged on you are settled by insuring company.
7. Cash Aid – A cash allowance is provided to the insured in the case of any theft or burglary has taken place with you and almost all your money, cash equivalents and luggage is gone.
8. Distress Allowance– If the rare of rarest happens and your flight is hijacked for that hefty distress situation compensation is paid by the insurance company.
9. Emergency Evacuation – If in your visiting country, there is an atmosphere building up of crisis whether man-made or natural ,the arrangement for emergency evacuation expenses are paid by company.
10. Home Insurance– When you are on your trip away from your home and no one is to take care of your home , in that case if any loss due to fire or theft takes place at your home then that loss is covered up to the sum insured.
11. Dental Care – Treatment expenses of injury or illness to your natural teeth are also covered.
1. Domestic Travel Insurance – Travelling within Indian borders
2. International Travel Insurance– Travelling outside India
3. Schengen Travel Insurance – part of 26 states of European Union make Schengen area which bides business trip travellers to buy Schengen Travel Insurance then acquire Schengen visa after that only any business trip traveller can enter there.
4. Student Travel Insurance – This is a customized travel insurance for the students studying abroad with the extended validity of up to 2 years.
5. Senior Citizen Travel Insurance – This insurance is generally given to the travellers above the age of 60 years.
6. Family Floater Travel Insurance – Covers the family members up to 2 adults and 2 children.
7. Business Travel Insurance – This insurance is customised in keeping the needs of a businessman, the validity of this insurance may extend up to 1 year.
8. Extensive Medical Travel Insurance – Provides extensive medical benefits compared to normal insurance policy.
9. Group Travel Insurance – Company of 6 or 10 persons is considered as group this group can avail the benefits of travel insurance at lower cost than what they would have to pay individually.
