International Travel Insurance

Before starting your journey, there is an extensive list of things to be done – applying for a 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. The overseas travel insurance 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

Why Should one Buy International Travel Insurance?

As the first step before you set out for your much-awaited journey abroad, get overseas travel insurance in India and experience a safe trip without any financial worry. We discuss 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 insurance 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. Travel insurance will undoubtedly lower the hassles and cover the losses. 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 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 medical 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 overseas travel 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 prerequisite for visa application. An overseas travel insurance plan will offer you financial comfort against unforeseen travel risks, including emergency hospital treatment, personal accident, loss of belongings, and repatriation in case of death.

We recommend an international travel medical 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 of 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.
• 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 of 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 the visa fee if it got rejected, subject to policy terms and conditions.

Exclusions in International Travel Insurance Plan

It is necessary for any traveller opting for international travel insurance in India to know what the plan will not cover. This way, he or she will prevent any hassle when filing a claim.

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 situations

*Please refer to 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, the assessment also helps you get the right travel cover to secure you throughout your journey. A travel cover for a short trip will cost less than what you will spend for a 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 you can get with an overseas travel medical insurance policy to cover unexpected expenses during an emergency.

Destination: Note the overseas 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 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 a cashless claim settlement under your travel policy. Thus, you will prevent any confusion during an emergency.

Who can buy Explore Insurance Plan?

Any Indian citizen can opt for our travel insurance plan for international trips. The eligibility criteria include:

• The minimum entry age is one day for a child and 18 years for adult
• The maximum entry age is 24 years for a child and no upper age limit for adult
• The age of a proposer is at least 18 years or above
• The maximum entry age for an adult is as specified in the plan 

What is the Claim Process for Explore Policy?

Under the Care travel insurance plans, the claim processing can be done either as a cashless facility or reimbursement. Filing an overseas travel insurance claim is easy and convenient. When facing any medical or non-medical emergency, you are required to contact us on the specified touch-points within the specified timeframe.

To make your claims experience smooth and hassle-free, it is essential that you keep the necessary documents, such as medical bills, hospital discharge summary, First Information Report (FIR), and final police report (if applicable), etc. and submit them along with the claim form when filing for a reimbursement claim. You can also avail of cashless travel insurance claim settlement for which you must check the list of our network hospitals. Our claim management team will verify the documents and process the claim as per the policy T&C.

Check Country Specific Guides

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