International Travel Insurance

Backpacking holidays, an upcoming family vacation, adventures, or business tours – travelling is an exhilarating experience. It is therapeutic and liberates you from the stress and monotony of life into which we all often become engrossed.

Before starting your journey, there is an extensive list of things to be done – applying for passport and visa, bookings tickets, packing your luggage and everything you need for a comfortable visit. Be it a budget-friendly vacation or a luxurious overseas trip; travelling holds a unique significance for each one of us. With such meticulous planning, you would not expect things to go wrong. However, any travel opportunity could expose you to some hidden risks - falling sick and getting hospitalized, losing your checked-in baggage, or facing a trip delay due to a severe weather condition.

At CHI, you can choose a customized international travel insurance cover that will provide insurance coverage for various medical and non-medical expenses you may incur during your foreign trip. It will safeguard you against all the travel-related inconveniences, and keep you and your travel companions free from worries!

Check the salient features of the Care international travel insurance plan:

• Emergency hospitalization cover
• Pre-existing disease covered in life-threatening conditions
• Personal accident cover
• Cashless claim settlement
• Reimbursement for trip delays or cancellation
• Cover for baggage loss
• Coverage against Personal Liability
• Covers loss of documents like Passport and International Driving License
• Repatriation, in case of death
• Missed Flight Connection
• Hijack Distress Allowance
• No pre-policy medicals at any age & sum insured
• Automatic Trip Extension
• Adventure Sports Cover

Why Should one Buy International Travel Insurance ?

Know the various scenarios when international travel insurance cover becomes essential. There can be many more instances when your travel cover would come in handy.

Scenario 1: A saviour in a medical emergency
When your objective is to explore a new place and make the most of your travel opportunity, a medical emergency is not something you will ever want to face! Yet, travel uncertainties are such and facing an emergency hospitalization can be extremely inconvenient and expensive – all impacting your time and finances. Having the right international travel covers the medical expenses, keeping you protected.

Scenario 2: Mitigates the travel inconveniences
Unforeseen incidents, such as losing your luggage or passport, or even facing a trip delay due to a severe weather condition, can add to the burden of your expenses incurred abroad. The hassles will undoubtedly be lower and the losses covered with the backing of an overseas travel policy. Furthermore, the policy will cover the unexpected charges you incur on travel and accommodation in case of any trip cancellation or interruption, thus saving you from the stress.

Scenario 3 : Gives your family financial comfort during travel
Opting for a family international travel cover will ensure you have the convenience and protection from the travel risks, especially when children and elderly parents accompany you. It will keep you financially secured if any family member faces an emergency hospitalization when you may have to cut short your trip. It will give adequate financial protection against various travel risks, including personal liability.
Things can go wrong during an overseas trip, no matter how meticulous your planning was. An international travel insurance policy gives you financial safety and comfort against such travel risks and saves your finances from draining out due to unforeseen emergency expenses. It is, remarkably, useful when you are far away from your home territory, in an unknown land facing unknown risks. Before going on an overseas trip, you must be aware of the possibilities of any medical exigency, injury or accident occur, as these are life’s uncertainties. International travel insurance mitigates the financial burden and makes your entire travel experience more comfortable.

For instance :
Mr A planned a holiday to Japan without international travel insurance. He set a travel budget of Rs 3 lakhs.

Flight Tickets: Rs 1,00,000

Accommodation: Rs 65,000

Food: Rs 35,000

Miscellaneous Expenses: INR 70,000

Medical Emergency Fund: INR 30,000

UNEXPECTED EXPENSES THAT CAME AS A SURPRISE!

He Slipped from the stairs and was rushed to the hospital. He incurred expenses up to Rs 5 lakhs. He spent all the money from his pocket and returned disappointed.

Scenario 2
Mr B was smart enough to get an international travel insurance plan before a solo trip to Europe. He set a budget of Rs 3 lakhs.

Flight Tickets: Rs 1,40,000

Accommodation: Rs 70,000

Food: Rs 38,000

Miscellaneous Expenses: INR 50,000

Travel Health Insurance Cover INR 1,267 for Medical Emergency

UNEXPECTED EXPENSES THAT CAME AS A SURPRISE!

Met with a minor accident and was rushed to the hospital. He incurred expenses up to Rs 5 lakhs. Thankfully, the international travel insurance he opted for covered his hospital bills and saved him from financial stress.

Is Overseas Travel Insurance Mandatory When you Travel Abroad?

All countries have specific entry rules, and some have made medical insurance mandatory for international travellers. If you plan to visit countries in the Schengen Area, for example, make sure you have a valid travel insurance cover as it is a pre-requisite for visa application. An overseas travel insurance plan will offer you the financial comfort against the unforeseen travel risks, including emergency hospital treatment, personal accident, loss of belongings, and repatriation in case of death.

We recommend medical travel insurance cover even if it is not mandatory in the country you are going to. It is vital for a few important reasons. Firstly, healthcare in many countries, including the USA, is unaffordable , especially for Indian tourists. Additionally, the travel uncertainties have always made travellers anxious – trip delays or loss of checked-in baggage. Choose Explore – Our International Travel Insurance which will keep you free from all the travel worries.

What is Covered in CHI in Overseas Travel Insurance?

Medical Benefits of International Travel Insurance plan

Hospitalization Cover: The policy covers various hospitalization-related expenses, including in-patient and out-patient care one incurs in an emergency.

Daily Allowance for Hospitalization: We will reimburse the daily expenses, for a specified amount per day, in case of hospitalization maximum up to five days per claim. A deductible of 2 days per claim is applicable.

Dental Expenses: The injury-related dental expenses the insured incurs during the trip will be covered, up to a specified amount, in the international travel insurance policy.

Common Carrier Accidental Death: In the case of unfortunate accidental death of the insured person on a common carrier/transport, the policy will provide a lump sum amount.

2-Way Compassionate Visit: We will cover the reasonable expenses incurred by an immediate family member (one adult) who is visiting the current location of the insured.

Accidental Death/Permanent Total Disability: The policy provides financial compensation in case of accidental death or permanent total disability during the trip.

Adventure Sports Cover: If you plan to go for adventure sports on your trip, you will be secured even if things do not go as planned despite the precautions. The policy offers this optional benefit at an additional premium, which will cover you for any in-patient care expenses and personal accident for the illness, injury, or death due to participating in hazardous activities.

Family Option Discount: You can also get a discount on the premium of an additional person if more than one family member is covered in the same policy, for the same sum insured, on an individual basis.

Non-Medical Benefits of International Travel Insurance plan

Trip Delays: In case of trip delays due to unforeseen reasons like an earthquake, or severe weather conditions, the expenses will be covered, up to a defined limit for each block of 4 hours delay, subject to the policy T&C.

Trip Cancellation or Interruption: If you face trip cancellations or interruptions due to unavoidable circumstances like natural calamity or terrorism, we will cover the related expenses.

Loss/Delay of Checked-In Baggage: The policy will protect you by reimbursing a fixed amount in case of loss of checked-in or delays in receiving the luggage, as per policy T&C.

Loss of Passport: Losing travel documents can create stress. The policy will provide coverage up to a fixed amount on an aggregate basis for getting a new or duplicate passport.

Return of Minor Child: The policy will cover the reasonable expenses incurred during the return the minor child to the home location.

Up-Gradation to Business Class: In the case where the insured is hospitalized for five consecutive days or more and needs to return to the home location, we will reimburse the expenses towards up-gradation to business class, subject to policy T&C.

Automatic Trip Extension: Now, you do not need to bother about your extended trip as the policy provides automatic trip extension up to 7 consecutive days.

Missed Flight Connection: We will reimburse the additional accommodation and travel expenses if you missed a pre-booked flight, subject to policy T&C.

Hijack Distress Allowance: We would never want you to be in such a situation, but the policy will cover unforeseen events like hijack by providing a fixed benefit for a specified time limit.

Refund of Visa Fee: We will pay for the reimbursement of visa fee if it got rejected, subject to policy terms and conditions.

Exclusions in International Travel Insurance Plan

It is necessary for any traveller who is opting for an international travel insurance cover to know what the plan will not cover to prevent any hassle when filing a claim.

The exclusions include:

Check here some *exclusions of international travel insurance:

• Any treatment that could be reasonably delayed until the insured person’s return to the country of residence
• Any pre-existing ailment or illness or injury
• Any beauty/ cosmetic treatment/ or any reconstructive plastic surgery
• Trip cancellation or interruption due to a natural calamity not declared by the appropriate government authority
• Medical treatment or surgery (whether invasive or non-invasive) using a robotic surgical system
• Expenses due to the treatment related to self-inflicted injury or suicide
• Any personal liability arising out of Breach of Law or any criminal liability
• Treatment expenses incurred related to any hazardous activity, the influence of drugs/ or alcohol, expenses occurred due to consequences of war/nuclear perils
• Any liability arising out of a false arrest, wrongful detention, wrongful eviction, defamation, or mental trauma and shock resulting from such situation s

*Please refer the policy T&C, and prospectus, to know about exclusions

Things to Watch Out Before Buying an International Travel Insurance Policy

Trip Duration: As you set your trip budget counting the number of days you will be travelling, it also helps you get the right travel cover that would protect you throughout your journey. A travel cover for a short trip will cost less than what you will spend for longer trip duration.

Assess Your Trip: Considering the things you plan to do on your trip, pick a customized policy with benefits to safeguard you. Check the optional covers for unexpected expenses during an emergency.

Destination: Note the travel insurance plan you select covers the risks you may face and that it covers the destination where you are heading.

Schengen Approved: Those visiting any country in the Schengen region must opt for a valid Schengen travel insurance policy.

Sub-limits: A travel insurance policy may have sub-limits on specific expenses, such as ICU charges, room rent, etc. Review the features to find if there is any cap on the per-incident or per-claim.

Maximum Coverage: The first thing to do when opting for a travel cover is checking the policy benefits. Take a closer look at the policy inclusions to know the various expenses that will be covered. Also, check if all these come at an affordable premium.

Exclusions: Check the policy documents to know the expenses for which your travel policy will not provide coverage. This way, you can plan for any out-of-pocket expenditure you think you might incur.

Claims Procedure: Find out what is the procedure to file an international travel insurance claim. Get to know the contact details of customer care and the time within which you should notify the insurer. Also, it is best to confirm if you can get cashless claim settlement under your travel policy. Thus, you will prevent any confusion during an emergency.

Check Country Specific Guides

• Dubai Travel Insurance
• Australia Travel Insurance
• Schengen Travel Insurance
• USA Travel Insurance
• Singapore Travel Insurance
• Thailand Travel Insurance
• Bali Travel Insurance

*Care Health Insurance offers coverage for medical expenses related to COVID – 19. Policy T&C apply