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Getting a travel insurance cover is among the foremost things to do if an overseas trip is on your calendar this year. A business tour, an educational opportunity, or a planned vacation time with family - for the countless reasons you may have, you must never forget that it is crucial to secure your trip as things may not go as expected. One may fall sick, get injured, face trip delays, or lose documents or baggage. A travel insurance plan helps you manage some major travel-related risks and finances with ease.
At Care Health Insurance, we offer various destination-specific travel insurance plans, as per the specific needs of travellers. You can also buy online travel insurance without any hassle of going to agents and starting the tiresome process.
Travel insurance is necessary to cover the unexpected expenses arising out of a travel emergency en route. . A travel insurance policy covers the cost of trip cancellations, medical emergencies, baggage loss, or travel delays. Hence, getting the best travel insurance becomes indispensable while you are travelling abroad and looking forward to a seamless vacation or business trip.
Travelling gives us new opportunities to explore new cultures, people, and places and discover the beautiful things the world has to offer. Travelling is inevitable, and so are the uncertainties it brings along. For instance, a sudden illness leading to hospitalisation may result in unwanted expenditures that can hamper your travel budget. Moreover, treatment in a foreign country can cost you a fortune if you don’t have a travel insurance policy in place. Besides, trip delays due to bad weather or lost luggage are typical cases when you can face unexpected expenditures. Travel insurance benefits are immense and could come to your rescue in an unknown nation where you have no contacts.
There are three main types of travel insurance plans and they are:
|International Travel Insurance Plan||Student Travel Insurance Plan||Group Insurance plan|
|International travel insurance is a travel policy that provides comprehensive protection against travel-related uncertainties during an overseas trip. It covers various unforeseen medical and non-medical expenses, like in-patient, out-patient care, loss of passport or checked-in baggage, trip delays or cancellations, etc. You can get country-specific international travel insurance plans to suit your requirements.||Student travel insurance plans are crafted for those students who are planning to pursue education overseas. Customised travel insurance for students keeps them covered financially; thus, allowing them to focus on their studies and be back with good memories. The student travel insurance cover provides a financial cushion to students by taking care of their unexpected expenditures arising due to any medical or non-medical exigency||Group travel insurance offers enormous benefits for those who travel in a group to the same destination. Group travel plans provide comprehensive yet affordable coverage when any group member faces a medical or non-medical exigency.|
|Single-Trip Travel Policy||Multi-Trip Travel Policy|
|Single-trip travel insurance is the best plan recommended for occasional travellers going on vacation or short business trips||Multi-trip policies are for frequent travellers.|
|Valid for a limited number of days||Valid for 1 year period with a cap on the travel duration|
No matter what your travel purpose is, we've got you covered to make your journey joyous and stress-free. Summarising below the benefits of opting for the best travel insurance online:
Comfort: Having a travel insurance cover for your trip will save you, especially senior citizens and students, from the stress of spending out of your pocket while travelling. The best thing is you can buy travel insurance online.
Protection in Medical Emergency: The policy provides coverage to help you get immediate medical attention.
Compensation in case of Mishaps: The plan offers compensation to the nominee in case of the insured person's uncertain death.
Coverage for Non-medical Contingencies: Trip delays and loss of belongings and documentation will be taken care of under our trip insurance plan.
Multi-Trip Policy: A frequent flyer can avail of the multi-trip travel policy.
Cashless Claim Settlement: Avail cashless claim facility worldwide.
Region-specific Plans: Our region-specific best travel insurance India plans help to relish your trip and leave all your travel worries with us.
Our customised travel insurance plans have global coverage and come with several benefits.
We offer comprehensive travel insurance online. Check below the travel insurance coverage and pick it up now:
Emergency Hospitalisation Cover: In case of any unforeseen situation that requires hospitalisation, our travel insurance plan provides you with complete coverage encompassing IPD and OPD facilities.
COVID-19 Cover: Get a travel policy covering coronavirus treatment, considering the pandemic is still posing new health risks.
Accidental Hospitalisation: Claim up to 100% sum insured in case of accidental hospitalisation. We also cover Accidental Death/Permanent Total Disability.
Pre-existing Disease Cover: Are you dealing with a life-threatening pre-existing illness? Worry not! We get you covered for this as well.
Treatment in Home Country: If you require further treatment in your home country, the expenses for the same will be covered up to 30 days or up to the policy end date, whichever is earlier.
Common Carrier Accidental Death: God Forbid! If the policyholder loses his/her life while travelling in a common carrier/public transport, we will pay a lump sum amount as compensation.
Repatriation of Mortal Remains: The policy will cover the expenses, up to a defined amount, related to the transportation of mortal remains in case of death of the insured.
Trip Delay, Cancellation, or Interruption: If the trip that you booked got cancelled, it could be not only disappointing but can also lead to a financial loss. Trip delay, cancellation, or interruption are no more a headache for you. We cover them too!
Loss of Travel Documents: If you lose your travel documents, like a passport or international driving license, the first step you take is to inform the authorities. Since there leave everything to us! We will take care of the expenses incurred for availing of a new one.
Loss of Checked-in Baggage: Losing luggage can ruin any trip. However, when there are such risks involved, having an international travel insurance policy becomes crucial. It will cover the losses by reimbursing the incurred costs.
Up-gradation to Business Class: For a comfortable journey, if you require an up-gradation to business class, you will receive coverage of a specified amount under our travel insurance policy.
Adventure Sports Cover: It is an optional benefit to be availed on extra premium if someone wishes to opt for adventure sports while travelling. The policy covers expenses of an insured participating in hazardous activities, subject to policy terms and conditions.
Missed Flight Connection: Missing a flight can make you incur additional expenses on travel and accommodation. There is no need to get anxious about the financial burden as such expenses will be reimbursed in a travel policy.
Hijack Distress Allowance: We all wish for a safe trip. However, unforeseen events like a hijack can occur anytime ruining the whole excitement. With a travel policy, one can cover such risks as well.
Automatic Trip Extension: If your trip is extended due to unavoidable circumstances, you need not bother about the unexpected expenses as the period of insurance will be extended up to a specified number of days.
Personal Liability: The policy will safeguard the insured if any personal liability arises due to an accidental injury or property damage to a third party.
Although a travel policy covers several medical and non-medical expenses, there may be many risks that do not get covered. It is beneficial to check the exclusions under travel insurance coverage. Some of the exclusions are as follows:
Expenses for treatment of HIV/AIDS/ other transmitted diseases
Expenses arising out of hazardous activity, the influence of drugs or alcohol, or consequences of war/nuclear perils
Costs incurred due to exposure to ionising radiation or contamination
Expenses due to the treatment of self-inflicted injury or suicide
Any liability related to any professional services offered by the insured
Expenses incurred by engaging in business activities
Costs incurred due to ownership of any aircraft, watercraft, motor vehicle, etc
Personal liability of the insured towards another individual (whether personal, official, or commercial)
Expenses due to wrongful detention, false arrest, wrongful eviction, defamation or mental trauma and shock resulting from such situations
Costs incurred due to encroachment of intellectual property rights like patent, copyright, and trademark
Liability related to possession of animals, insects, bird, and reptiles and their byproducts
Expenses arising as a result of an insured person engaging in Breach of Law
Before buying travel insurance online policy, it is essential to know about the specific clauses in travel policies to understand whether you are eligible to buy a policy or not.
|Travel Insurance Plans||Eligibility Criteria|
|Explore - International Travel Insurance||
|Student Explore – Student Travel Insurance||
During an untoward event, the first thing you want is a hassle-free claim settlement. Filing a claim under travelling insurance is no longer a cumbersome task with our simple and easy claim process:
Now, you can easily calculate the online travel insurance premium* with the help of the premium calculator available on our website. It gives you a precise estimate of the premium to be paid to avail of travel coverage. With the below steps, estimate the right insurance premium and plan your travel budget accordingly:
While using the travel insurance premium calculator, you can customise the policy. The premium amount will vary based on different factors.
Based on the nature of the trip, you must pick a travel plan that meets your travel requirements in the best possible way. Consideration of certain factors, as specified below, will help to compare travel insurance India plans and make the right decision when buying online travel policies. Here, you can read how you can choose the best online travel insurance plan for a stress-free journey:
Maximum Coverage: The first thing to check in online travel insurance is coverage. Comprehensive travel insurance covers all types of medical and non-medical expenses that you may incur during an emergency when you are away from your home country.
Medical Coverage: Exclusive travel insurance includes expenses such as emergency hospitalisation, surgery, anesthetic tooth treatment, medical evacuation, and accidental death. Further, hospital daily cash allowance, air ambulance, medical repatriation, and permanent disablement are the other medical benefits of travel insurance.
Non-Medical Coverage: Before choosing a travel insurance policy, make sure that it gives you non-medical coverage. Compensation in case of loss or delay of your checked-in baggage, flight cancellation or delay, personal liability, extended hotel accommodation, etc., are its non-medical benefits.
Quick Assistance: You should read the online reviews about the insurance providers to know how good they are in providing immediate assistance to their customers. See the ratings and then make your buying decisions.
Premium Amount: Use online premium calculators available on our official websites to calculate the premium for different plans. You need to put the details and compare the premium to choose the one that best suits your travel budget.
Claim Settlement Ratio: The ratio shows the insurer's capability to settle the claims. Companies with higher CSR are always good to go. Read the detailed online brochure for more clarity.
Exclusions: Adventure sports injury, alcohol consumption, cosmetic, obesity treatment, and others come under the exclusion. It means you are not entitled to file a claim for exclusions. So, you should pick travel insurance that has minimal exclusions.
Claims Procedure: Make yourself aware of the detailed process for filing a claim as different companies follow different procedures for claim settlement. Sometimes insurers may have tie-ups with local insurance providers.
Health and travel insurance have distinct benefits, coverage, exclusions, and claim policies. You must understand how they work to ensure the maximum benefits. Below are the factors that differentiate health and travel insurance from each other:
|Factors||Health Insurance||Travel Insurance|
|Definition||A health insurance policy is an insurance policy that gives a comprehensive coverage for various medical expenses incurred by an insured person or a group of individuals.||A travel insurance policy is an insurance policy that covers various travel-related risks, including medical and non-medical expenses incurred by the insured during a trip.|
|Coverage||Health insurance covers a wide range of medical expenses arising due to any illness or injury, including in-patient hospitalisation, pre-and-post hospitalisation medical expenses, ambulance, daycare treatment and so on.||Travel insurance covers medical expenses, like in-patient and out-patient care. In addition to this benefit, it covers various non-medical expenses one incurs due to unforeseen trip delays, loss of passport, loss of checked-in baggage, etc.|
|Premium||Health insurance premium depends on factors, such as the number of insured persons, their age, the sum insured, pre-existing health conditions, etc.||Travel insurance premium depends on factors like the number of travellers, age, pre-existing conditions, the destination selected, the sum insured, and trip duration, among others.|
|Who should buy||If we consider the current medical inflation rate and rising health risks affecting both young and older people, health insurance is recommended for all individuals.||Travel insurance is recommended for anyone who is planning a trip abroad. It is a must for holidaymakers, backpackers, tourists, business travellers, and aspiring students.|
|Advantages||Health insurance helps a person manage the unforeseen medical expenses arising due to any medical emergency. It also allows one to get coverage for any planned medical treatment due to illness or for age-related health issues.||Travel insurance is a great help when one is embarking on a trip to any destination. It provides financial protection against numerous travel-related uncertainties that can potentially ruin a trip. There are various destination-specific travel plans one can choose, as per the trip needs.|
Following some travel tips always goes a long way. One of them is to avoid a cash crunch. However, travel costs are bound to increase. An international travel policy proves indispensable for any traveller who aims to explore different places worry-free. Let us find out what makes travel insurance worth the money you invested:
Travel Inconveniences are Common: We cannot ignore the uncertainties such as trip delays, trip cancellations, and loss of t passport or checked-in-baggage. The expenses one may incur can be considerably high. A travel policy comes to your rescue in such a situation.
Financial Protection in Medical Emergency: Medical facilities are expensive in developed countries, and precisely for this reason, one needs overseas travel insurance that will cover those hospital bills, saving thousands of dollars!
Coverage for COVID-19: Staying well informed about routine vaccinations and medicines is crucial. Yet, the world witnessed the impact of a pandemic that reminded us of life’s uncertainties. With an international travel policy, you gain the financial strength to face any emergency hospitalisation due to COVID-19 thus securing your health wherever you are!
Secures Multiple Trips: Many of us may need to travel abroad more than once a year. It can lead to significant travel expenses. So, all frequent flyers can secure their trip with a multi-trip travel policy and stay financially safe.
Even for countries that do not specify the need for travel insurance, it is always advisable to have one as any medical expenses outside India are definitely 10 times costlier. So, to be on the safer side it is always recommended to get yourself covered before flying. Buying travel insurance online will ensure you don’t have to unnecessarily follow the tiresome process of purchasing a plan from agents. If you focus on buying the best travel insurance after going through the details, you will definitely be safeguarded against unforeseen circumstances. So, must plan your international trip insurance beforehand to avoid inconvenience.
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An international travel insurance plan is a type of insurance plan that covers a range of medical and non-medical expenses the insured may incur during an emergency when travelling outside India.
An international travel insurance policy is not a mandatory requirement in many countries. However, in some destinations, a valid international travel insurance plan is a prerequisite for visa application and during entry at the time of immigration check, e.g. a Schengen Visa. It is advisable to check the visa application rules of the country you intend travelling.
Care International travel insurance plan gives you adequate financial support against various events that can occur during an emergency while travelling overseas. That includes trip cancellation, loss of baggage, and medical treatment.
The policyholder can apply for policy extension online by paying the premium. One can extend a single trip policy up to a maximum trip duration of 365 days. The policyholder must apply for an extension before the policy expires and submit requisite documents, including a health declaration. Our team will verify the information and grant permission for an extension of the policy. One cannot extend a multi-trip policy.
One need not undergo a pre-policy medical check-up for buying the EXPLORE policy. However, the customer must submit a health declaration mentioning any existing medical condition. It will not have an impact on the policy issuance or premium cost.
Our Explore overseas travel insurance cover is available for the following geographies: Asia, Australia, New Zealand, Africa, Europe, Worldwide Excluding USA & Canada, Worldwide Excluding USA, Worldwide Including USA and Canada.
Our Explore travel platinum plan offers a high sum insured and has no sub-limits on in-patient care expenses. Please refer to the policy T&C.
You cannot opt for the policy after your trip starts. International travellers must apply for an international travel insurance policy in India before the start of their trip from India.
A policyholder is not allowed to change the policy sum insured & geographical scope after the start of the international trip. However, one can opt for policy extension if one requires extending the duration.
The Explore plan offers coverage for a minimum trip duration of 2 days and a maximum trip duration of 365 days in our single trip plans. Our multi-trip plans (Explore Asia, Explore Silver, Explore Gold, and Explore Platinum) offer coverage for 30, 45, or 60 days. The policy can be extended up to a maximum duration of 365 days. A single trip policy will not cover once the coverage duration reaches 365 days, whereas a multi-trip policy cannot be extended.
Yes. You can opt for international travel insurance for your elderly parents. Please check the maximum entry age eligibility in the travel plan that you have selected.
We offer a cashless facility at our network hospitals for all emergency hospitalization (with a duration exceeding 24 hours). Contact the helpline numbers to know about cashless travel insurance cover in a nearby network hospital during a medical emergency.
Yes. Schengen travel insurance plan is a mandatory proof/document for any person applying for a Schengen Visa. Opt for our customized plan for your foreign travel to European countries.
Yes. Care Health Insurance provides 24X7 assistance during your trip. You can contact us on our toll-free numbers. You can also write to firstname.lastname@example.org
Disclaimer : Information above is just for reference. Kindly read T & C of policy thoroughly. Do refer IRDAI guidelines for tax exemption conditions.
#Source: IBAI Claims Handbook for FY 19-20.
^^Number of Cashless Healthcare Providers till 25th March 2022.
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