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Getting an online 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 with ease.
Further, healthcare outside India can be unaffordable for many of us. A travel plan covers emergency medical treatment, thus preventing any financial impact. Considerable thought towards ensuring safety before starting a trip is of utmost importance. Opting for travel insurance is one step in this direction that will protect you financially during unforeseeable events.
Care offers various destination-specific travel insurance plans, as per the specific needs of travellers.
Table of Content
Travel insurance is coverage designed to provide financial protection for the expenses incurred due to uncertain events while travelling overseas. A travel insurance policy covers the cost of trip cancellations, medical emergencies, baggage loss, or travel delays.
Travelling gives us new opportunities to explore new cultures, people, and places and discover the beautiful things the world has to offer. Many students dream of pursuing education overseas at their preferred university. Therefore, an essential activity in our lives, travelling is inevitable, and so are the uncertainties it brings along. For instance, a sudden illness leading to hospitalisation may result in unwanted expenditure that can hamper your travel budget. Moreover, treatment in a foreign country can be costly. Besides, trip delays due to bad weather or lost luggage are typical cases when you can face unexpected expenditures. It is when your travel insurance policy protects you by covering these expenditures.
There are six main types of travel insurance plans they are:
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.
Family travel insurance provides comprehensive insurance coverage for your entire family during an overseas trip. Under a single plan, you can get cover for all the medical and non-medical expenses of any insured family member.
A senior citizen travel insurance policy is explicitly designed to offer coverage for travel-related risks for travellers who come under the senior citizen's age category, that is, those aged above 60 years without a pre-medical check-up. Such plans provide cover even for pre-existing ailments and ICU care.
Student travel insurance plans are crafted for ambitious students who are planning to pursue education overseas. Customised travel insurance for students keeps them worry-free and allows 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 due to any medical or non-medical exigency.
It is a travel insurance coverage for employees of an organisation who undertake business trips to different locations within or outside the country. Corporate travel insurance policies are the safest way to ensure you stay financially protected during any medical or non-medical exigency while on tour for business purposes.
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.
Multi-trip travel insurance policy generally has a policy period of 12 months, during which the insured person can undertake multiple trips and get coverage for emergency medical and non-medical expenses.
A single trip travel plan offers insurance cover for only a single trip to an international destination or any location within India. However, travellers can cover multiple destinations together during their single trip. This type of travel insurance policy remains valid until the insured person returns home.
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:
Our customised travel insurance plans have global coverage and come with several benefits. Listed below are the prominent benefits of each plan:
A student travel plan is a comprehensive package entailing various travel-related benefits. It comes with the following benefits that make the life of students studying abroad highly convenient
We offer comprehensive travel insurance online. Check below the travel insurance coverage and pick it now:
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:
Before buying a 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.
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.
During the untoward event, the first thing you want is a hassle-free claim settlement. Filing a claim under travel insurance is no longer a cumbersome task for us. Our claim process is simple and easy.
Follow the below steps for timely reimbursements or claims:
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 cost of travel insurance. With the below steps, estimate the travel insurance premium and plan your travel budget accordingly.
>> Calculate Your Travel Insurance Premium Now!
We provide travel insurance at a very affordable premium that does not overburden your travel budget. However, the actual amount of premium is subject to the number of travellers, age, travelling country, trip duration, and coverage type. Moreover, the premium varies, depending on the destination you have chosen. While using the travel insurance premium calculator, you can customise the policy and the amount will vary based on the different factors.
*T&C applied. The premium cost will also include GST @ 18%.
Insurance portability is a right accorded with a policyholder to switch from one insurance provider to another without losing the accumulated benefits. We accept travel insurance portability without a hitch. You need to get online registration and start with your new policy benefits.
Here are a few points to remember for porting your travel insurance policy:
Before 45 days of policy renewal, you have to take the following steps:
The premium and policy benefits are at the discretion of the new insurer
You can opt for a travel insurance plan while sitting at home or office. Here, you can read how you can choose the best online travel insurance plan for a stress-free journey:
While a health insurance plan and travel insurance both cover you against medical expenses you incur in an emergency, a travel policy covers such costs only during a trip to a destination for a specified duration. It is not right to assume that your domestic health insurance will cover your expenses when travelling abroad. Thus, a travel cover is a must if you are flying abroad.
Besides, there are some differences between these two types of insurance plans. They have distinct benefits, coverage, exclusions, and claim policies. You must understand how they work so that you can get the maximum benefits safe.
Check the differences between Health and Travel Insurance:
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. It is true, especially in unforeseen situations. Here is where a travel insurance policy proves indispensable for any traveller who aims to explore the best places without any worry. Travel insurance is a vital financial back-up. Let us find out what makes travel insurance worth the money you invested:
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 is definitely 10 times costlier. So, to be on the safer side it is always advised to get travel insurance before flying.
Here, we have also listed the travel destination guides for most visited countries.
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To get your travel insurance plan into effect, you must buy a travel policy at least 10-14 days before the trip. Travel insurance is known for covering unforeseen events and losses. Therefore, it is always advised to buy this plan a few days before you plan a trip rather than buying it at the last minute.
Travel insurance provides comprehensive protection for a traveller against various travel uncertainties and risks. Healthcare may be expensive overseas. A travel policy will cover emergency hospitalisation. Moreover, events like thefts leading to loss of baggage or passport, and trip delays are common. A travel plan will keep a traveller worry-free during unforeseen circumstances.
One can get an extension for a single trip policy up to a maximum of 365 days or maximum trip duration specified in the plan. The policyholder will no longer receive the coverage once the duration reaches 365 days.
Travel insurance provides cover for the loss of your belongings, due to a theft, which you carry with you provided you have the respective proof. However, it will not pay claims for loss of money, ATM or credit cards, etc.
In some countries, having a travel medical insurance is a pre-requisite for visa application. Opting for overseas travel insurance is crucial even if it is not mandatory since it can save you from a financial crisis and the stress of travelling. It covers emergency medical treatment costs and various unforeseen expenses incurred due to trip delays, loss of passport, etc.
Our travel insurance plans have an affordable premium, which would not overburden your travel budget. The premium costs vary depending upon the geographies and factors like the number of travellers, their age, destination, trip duration, and the type of coverage selected. You can get a cost estimate with the help of an online travel insurance premium calculator.
If you have forgotten to buy a travel insurance policy before your departure, then you do not need to worry. You can get travel insurance online in a few simple steps. However, it is advisable to avoid getting a travel cover at the last minute.
Yes, pre-existing diseases are covered under travel insurance. We indemnify the expenses incurred for the treatment of pre-existing illness in case of life-threatening situations, up to the limit mentioned in the policy.
Students planning to study overseas may have to provide proof of adequate medical cover before enrolment in a foreign university. With a student travel plan, they can secure their stay overseas and be financially and mentally stress-free. The policy will cover various travel-related risks, including emergency medical treatment, which is likely to be expensive otherwise.
Yes. You can buy a student travel insurance plan for a short term course of 4 months in the UK. Our travel insurance policy provides cover from 30 days to 36 months.
Yes, it is possible to file a travel insurance claim after returning to India provided it should be filed and documents submitted within 30 days of the occurrence of the event.
Travel insurance provides coverage for medical issues and accidents that occur during your trip. We do not cover the treatment fee for pre-existing illnesses and medical conditions.
Extension of the policy can be done before the expiry of the current travel policy. It is good to go for a policy extension at least a week before its expiry period. You can request for extension of the policy online through our website by entering your required details. The policy extension is possible if no claim is made for hospitalisation cover. If other claims are filed, the extension can be done subject to underwriting review.
If you lost your travel insurance policy, you should inform us immediately. It is advisable to note the policy number in your diary whenever you are travelling. With the help of policy numbers, it will be convenient to get the duplicate copy for the claim process.
Yes, you can get travel medical insurance for your elderly parents. Please check the eligibility criteria before opting for a region-specific travel insurance cover.
Yes, you can cancel the travel insurance policy midway. Cancellation of the policy before the policy period end date is allowed in case of denial of visa, cancellation of the trip, or early return to India, provided the insured submits the documentary proofs. We will refund the premium post deducting the cancellation charges, as specified in the policy document.
A single trip international policy provides coverage for a single international trip for a pre-defined number of days. In contrast, a multi-trip policy provides you with the coverage for multiple trips taken during a policy year. The single-trip is suitable for those who plan for family vacations while the multi-trip policy is suitable for business travellers who travel frequently.
Yes, a cashless hospitalisation facility available under travel insurance. If there is any medical emergency that occurs during your stay in a foreign country, then you can go for cashless hospitalisation for treatment, including in-patient care.
Travel insurance cover is valid maximum for a year from the start date. You are entitled to get the refund if you returned from the trip before your policy period. Premium will be refunded as per the policy T&C.
No. Non-refundable tickets will not be covered under travel insurance.
We settle (or reject as the case may be) insurance claims within 30 days of receipt of all necessary documents from the insured. We give an offer of settlement of claim to the policyholder and shall make the payment within 7 days from the date of receipt of its acceptance by the policyholder.
To make an online travel insurance claim, you need the following documents:
The premium depends on factors like the number of travellers, age, destination, the sum insured, trip duration, and the type of coverage selected.
Yes, dental expenses that incur due to an injury during your trip will be covered. However, it does not include the costs of your medical tour for dental surgery.
No, international travel insurance is not valid for domestic travel. If you are travelling within the country, you have to opt for domestic travel insurance that has different terms and conditions.
You can cancel your travel insurance policy on the following grounds:
You have to submit adequate documentary proof for cancellation. We will refund the premium after deducting the cancellation charges, as per policy T&C.
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 and *number of claims settled as on June 30, 2020
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Walk-in to the nearest Axis Bank branch to pay your Renewal Premium conveniently via Cheque/Demand Draft. Please ensure to keep the following in mind while opting for the same:
Please visit during banking hours and ask for ‘Easy Pay’ service counters at Axis Bank branch to deposit your premium.
Please mention your Policy(s)number and Contact number on the reverse of cheque. Instrument should be in favour of "Religare Health Insurance Company Limited"
Make sure to collect the acknowledgement slip before leaving bank’s service counter for any future correspondence.
Postdated/ Outstation/ Third Party cheques are not allowed.
Please ensure the cheque amount is equal to the amount mentioned in renewal invite.
It is advisable to carry a copy of Renewal invite while visiting to Axis Bank branch.
Please ensure to deposit the cheque at least 7 Days prior to the due date. Instrument deposition is not allowed after the policy expiry date.
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Contact respective ‘Axis Bank branch manager’ in case of any difficulty/issue/clarification related to deposition of renewal premium. You may further contact our Customer Service team at 1800-102-4488/1800-102-6655