Coverage for life-threatening PED conditions##
Travel insurance secures your trip against unexpected medical & non-medical emergencies, loss or delay in checked-in baggage, etc.
Reasons to Choose Care Health Insurance?
Pre-Existing Disease Coverage
Upgradation to Business class
Automatic Trip Extension
Missed Flight Connection
Travel Insurance is a financial tool that helps you safeguard your journeys if an unforeseen crisis occurs during your trip. Good travel insurance usually covers your trip as soon as you take off from your home country and until you return.
Whether you travel for leisure, education, or work, securing your trip against unprecedented hiccups is crucial to ensure you enjoy an eventful trip across borders! This page will educate you about travel insurance policies that cover international trips. So, keep reading to understand features, coverage, exclusions, plan types, and more about international travel insurance.
No matter where you are flying off, having a travel insurance plan can help you travel stress-free. Travel insurance coverage from Care Health Insurance is designed to protect you when you encounter a travel-related problem such as emergency hospitalisation, theft, or trip interruptions. Summarising below are the benefits of travel insurance policy from Care Health Insurance:
At Care Health Insurance, we curate destination-specific travel insurance policy to meet your unique needs when you travel abroad. Below are the features of one of the best travel insurance in India.
| Coverage | International Travel Insurance | Student Travel Insurance |
|---|---|---|
| Destination-specific plans | ✅ | ✅ |
| Hospitalisation expenses | ✅ | ✅ |
| Pre-existing disease | ✅ | ✅ |
| Repatriation of mortal remains | ✅ | ✅ |
| Accidental death | ✅ | ✅ |
| Loss of checked-in baggage | ✅ | ✅ |
| Trip cancellation | ✅ | ✅ |
| Study interruption | ❌ | ✅ |
| Trip interruption | ✅ | ❌ |
| Automatic Extension | ✅ | ✅ |
| Upgradation to business class | ✅ | ❌ |
| Hijack Distress Allowance | ✅ | ✅ |
| Compassionate Visit | ✅ | ✅ |
| Maternity Coverage# | ❌ | ✅ |
| Treatment for Mental Disorders | ❌ | ✅ |
#You can avail yourself of the maternity and newborn benefits as an optional benefit under student travel insurance.
Covering your trip with an online travel insurance policy has more advantages than just providing medical coverage. Mentioned below are a few benefits of exploring the world with trip insurance from Care Health Insurance:
Destination-specific Coverage
Travel insurance with worldwide coverage may be expensive for a single trip. Therefore, we offer destination-specific plans with the required coverage at an affordable premium.
Safeguards Entire Trip
Our Family Travel Insurance covers unexpected medical expenses and financial risks, incurred while travelling through common carriers (aeroplanes & cruise ships).
Covers Life-Threatening Conditions
A pre-existing health condition must not stop you from exploring the globe! Therefore, a travel insurance policy from Care Health Insurance offers coverage for life-threatening conditions due to PEDs.
Covers Against Liability
Encurring an accident where you hurt a third party can lead to legal liabilities. A travel cover can ensure you do not have to bear the settlement load alone.
24/7 Claim Assistance
An unannounced emergency can strike anytime during your overseas journey. Therefore, our claim team ensures 24/7 assistance to ensure you get assistance whenever you are in need.
Note: Coverage for common carriers, including cruises, flights and trains, is subject to the policy's terms and conditions. It applies only to incidents occurring during the insured's journey on a licensed common carrier, including air, sea, or land transport. Exclusions and limitations may apply based on the nature of the event and specific policy provisions.
Explore the wide range of travel insurance options and be at peace because, we cover you for most of your unique needs. Your adventure-awaits, and we're here to make it a memorable one with our comprehensive travel insurance plans:
International travel insurance is a policy that provides comprehensive protection against travel-related uncertainties during an international trip. It covers unforeseen medical and non-medical expenses, like in-patient, and out-patient care, loss of passport or checked-in baggage, trip delays or cancellations, etc. You can get country-specific international travel insurance plans at Care to suit your requirements for different countries.
Protect Your Trip
Student travel insurance is designed to cover the unique needs of students planning to pursue higher education in a foreign country. The plan typically covers travel-related contingencies such as trip interruption, medical emergencies, liabilities etc., during a student's study venture to ensure they remain covered. Being covered with travel insurance allows them to focus on their studies and return home with success and great memories.
Shield Your Studies
Group travel insurance benefits those travelling in groups. The plan bought from Care is a comprehensive yet affordable cover that covers each and every individual travelling in a Group. The plan provides coverage against unforeseen contingencies such as emergency hospitalisation, trip interruptions, loss or theft of belongings etc., to each secured member of the group.
Secure Your Group
If you plan to visit a Schengen region country, you will be required to apply for a Schengen Visa, and, for a Schengen visa, it is mandatory to have Schengen travel insurance with appropriate coverage. Moreover, Schengen travel insurance also ensures coverage against trip-related medical and non-medical expenses while you are on a trip to one of the 27 European countries.
Insure and ExploreWhile finalising a travel insurance plan, you will get a choice between a single-trip policy or a multi-trip policy. Each has its own benefits and limitations. Take a look at the table below to understand the difference between single-trip and multi-trip policies:
| Conditions | Single-trip Policy | Multi-trip Policy |
|---|---|---|
| Policy Validity | The insurance coverage for a single-trip policy is valid for 180 days | The validity of a multi-trip policy lasts for up to 365 days |
| Premium | A single-trip policy has a lower premium | A multi-trip policy has a higher premium as compared to a single-trip policy |
| Who is it suitable for? | This policy is ideal for people who mostly travel only once a year | This policy is ideal for frequent flyers as it can cover multiple trips in a policy period |
| Customisation | This policy can be easily customised according to your region-specific needs | This insurance policy cannot be customised during the policy period |
While you buy travel insurance online from Care Health Insurance, we offer a range of coverage. Subsequently, there is a set of circumstances that we do not cover under a travel insurance policy. Read on to learn about them.
Before calculating the travel insurance cost for your overseas trip, it is crucial to understand the eligibility clauses to ensure a foolproof purchase. The eligibility criteria for the travel insurance policy at Care Health Insurance are as follows:
| Travel Insurance Plans | Eligibility Criteria |
|---|---|
| International Travel Insurance | The insured member’s minimum age should be at least 01 day; however, the maximum age may vary from plan to plan. |
| Student Travel Insurance | The plan is available for a student wishing to pursue higher education in a foreign land where the insured member(s) should be aged between 12 years to 40 years. |
| Family Travel Insurance | The plan can be bought only for Single-trips where up to 6 family members can be covered under a single travel insurance plan. |
| Single-trip Travel Insurance |
|
| Multi-trip Travel Insurance |
|
To calculate the premium of a travel insurance plan, you can use the travel insurance premium calculator and follow the steps mentioned below:
On the home page of Care Health Insurance, navigate to the products.
Choose the desired policy and enter your mobile number in the 'Get Quote' section.
Enter the members to be insured along with their age and current residential pin code, and then click on the 'View Quote' button.
Customise the policy by changing the sum insured and add-ons as per your needs.
That's it! Your instant health insurance quote, including 18% GST will be calculated in no time!
Note: Select student travel insurance if your sole purpose of travel is higher education.
To buy travel insurance online, follow the steps below:
Step 1
On the quote page, evaluate the sum insured and coverage offered and then click on the Buy Now button.
Step 2
On the newly appeared page, apply for customer KYC, fill out the proposer details, and press the “Next” button when you are done.
Step 3
On the next pages, fill in the insured member’s details and disclose the medical history, if any.
Step 4
Finalise your purchase by making the payment. The policy documents will be shared via the registered email ID and phone numbers.
You may not be asked to submit a long list of documents if you purchase travel insurance online. However, as listed below, a list of documents may be required while proceeding with the KYC (Know Your Customer) procedure.
| Proof | Eligible Document |
|---|---|
| Id proof | Aadhaar card, voter ID, driving license, or passport |
| Address proof | Aadhaar card, passport, driving license, voter ID etc. |
| Financial statement | Bank statement or other proof of income |
| Medical fitness proof | Medical certificate for fitness if required. |
Please note that the documents required for travel insurance may vary depending on the travel insurance company you choose.
At Care Health Insurance, we partner with Falck to help you stay covered across the globe. In the USA and Canada, we are powered by the UnitedHealth Group (UHG) in partnership with Falck to ensure an easy claim process. Our claim team here in India ensures that filing a claim is no longer a cumbersome task, no matter where in the world you are.
Note: The per-day premium has been calculated for an individual aged 24 for a 90-day trip, with starting coverage available in that region.
My appreciation for your prompt service
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Disclaimer: For details on travel insurance coverage, please read policy documents thoroughly.
#You can avail the maternity and new born benefits as an optional benefit under the student travel insurance.
##The life-threatening pre-existing diseases are covered up to 10% of the sum insured (max. up to $10,000) if disclosed during policy purchase.
^^Number of Travellers Served till Jan'25
**Number of Claim Amount Paid as of Apr'25
^Family members on the same policy with the same sum insured receive discounts on the premium of additional members covered: 2 members 5%, 3 members 10%, 4 members 15%, 5 members 17.5%, 6 members 20%.
1 In a medical emergency, the insurer reimburses the cost of return economy-class ticket for the most direct route for an immediate family member if the medical condition raises the necessity.
2 In case if an insured member encounters a life-threatening condition due to a pre-existing disease during the trip, then the policy offers coverage up to a specified limit given that the PED is informed at the time of policy purchase.
*The premium for a 30-day trip to Asia shall cost ₹28/ day for a single person( up to 40 years) at 50,000USD SI.
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