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Travel insurance covers your trips against unexpected medical and non-medical emergencies, loss or delay in checked-in baggage, etc. Some of the other advantages of a good travel insurance cover are as under:
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A good travel insurance should be the most important item in your travel checklist if an overseas trip is on your calendar this year. A business trip, a planned vacation or higher education for the countless reasons you may have, you must never forget that it is crucial to secure your trip as an unforeseen emergency can strike at any time during the trip. One may fall sick, get injured, face trip delays, or lose documents or baggage. A travel insurance plan in such a scenario can help you easily manage some major travel-related risks and finances.
At Care Health Insurance, we offer different plans based on your destination including Asia, Europe, USA/ Canada etc. You can buy online travel insurance and get your policy in your mailbox within just a few clicks!
Travel insurance is a financial cushion designed specifically to protect you while you travel overseas for various purposes. The plan can help you in unprecedented situations such as emergency hospitalisation, loss of belongings, and/or trip interruptions. Travel insurance works similarly to any other insurance to cover your trips abroad.
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 unplanned expenses 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 this, 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.
Now that you know why travel insurance is important, let us elaborate further on the types of travel insurance. There are usually three main types of travel insurance:
International Travel Insurance: International travel insurance is a travel policy that provides comprehensive protection against travel-related uncertainties during any 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. For different countries, you can get country-specific travel insurance plans at Care to suit your requirements.
Student Travel Insurance: Student travel insurance is travel insurance specifically designed for students who plan to pursue education from abroad. Customised travel insurance for students keeps them covered financially, thus, allowing them to focus on their studies and be back with good memories.
Group Travel Insurance: 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.
Schengen Travel Insurance: If you are planning to visit a Schengen region country, you should have travel insurance for Schengen countries. A Schengen Travel Insurance is one of the several mandatory documents you need while visiting one of the 27 European countries.
While you buy travel insurance online from Care Health Insurance, we provide comprehensive coverage as mentioned below:
For details on the coverage of travel insurance please read out the policy documents.
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 to avoid any last-minute complications. Some must know exclusions in a Care travel insurance is as mentioned below:
Note: The above-mentioned are just a few excluded points from Care Travel Insurance. For more details on plan’s exclusion, please read out policy documents in detail.
No matter where you are flying off to, having a travel insurance plan can help you travel stress-free. A travel insurance cover from Care Health Insurance is designed specifically to protect you when you encounter a travel-related problem such as emergency hospitalisation, theft, or trip interruptions. Summarising below are the benefits of opting for the best travel insurance online:
Your elderly are more prone to encounter sickness and health-related issues while in a foreign country. The difference in time zones, climatic changes and change in the environment, everything may trigger the weak immune system of the senior citizens. Thus, if you are flying off to a foreign land with your elderly parents or grandparents, it is very much important to secure your trip budget with travel insurance for senior citizens.
Senior citizen travel insurance is a plan designed to cover medical and non-medical emergencies of senior citizens during their overseas trip. The plan essentially covers conditions such as pre-existing disease, emergency evacuation etc.
By buying Care travel insurance, you can insure from as little as an individual to as many as 6 family members. Mentioned below are the type of travel insurance that you will need:
Individual Travel Insurance: Individual travel insurance is a travel cover designed specifically for an individual. Like other travel insurance plans, individual travel insurance can also be customised per the individual’s specific requirements.
Family Travel Insurance: If you are planning to visit abroad with your family, then family travel insurance is what you need to secure yourself and your immediate family from an emergency en route. By buying a family travel insurance, you can cover up to 6 immediate family members. The plan also ensures that you do not have to buy standalone travel insurance for each travelling member.
Here’s the good news. With the travel insurance bought from Care Health Insurance, you do not have to worry about the number of trips that you can cover in a plan. We help you buy travel insurance based on the type of traveller you are. If you are travelling for the first time and do not plan to travel in the near future, you can opt for a single-trip travel insurance whereas, if you are a frequent traveller a multi-trip travel insurance is what you may need.
Single-trip Travel Insurance: A single-trip travel insurance is the most suitable for individuals who travel once in a while or are travelling for a short business trip. Single-trip travel insurance is usually limited to just some days; however, the trip can be extended in certain cases.
Multi-trip Travel Insurance: If you are a frequent traveller, then Multi-trip travel insurance is what you need to cover all your trips year-round. A multi-trip plan’s validity lasts for up to 1 year with a specific cap on the travel duration.
Before buying travel insurance online , 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|
|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||The minimum entry age for people buying single-trip travel insurance can be 1 day whereas there is no age bar for the maximum age.|
|Multi-trip Travel Insurance||The minimum entry age to buy multi-trip travel insurance can be 1 day, and there is no age bar for the maximum age.|
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 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:
To buy travel insurance online, you have to follow the below-mentioned steps, submit information such as name, age, passport number, and the nominee’s details and make the requested payment in online mode.
Step 01: Visit the official care insurance website and navigate the travel insurance dropdown. Select the country you wish to visit. Note: Select student travel insurance if you are a student and are travelling abroad for higher education.
Step 02: Once on the desired page, navigate to the right side of the screen and enter your phone number and click on “calculate premium” button.
Step 03: Follow the flow of the form and provide details such as the proposer’s age and insured member(s) details in the designated columns.
Step 04: Proceed further and select if the insured members suffer from any pre-existing disease. Select the desired amount of sum insured and proceed further.
Step 05: Once you click on the “get a quote button”, the premium amount will appear on the screen with the important USPs of the plan. Proceed to make the online payment and save a receipt for further reference.
During an untoward event, you first want a hassle-free claim settlement. Filing a claim under travelling insurance is no longer a cumbersome task with our simple and easy claim process:
Your overseas trip can be a rewarding experience if you have planned it carefully and secured it with an appropriate travel insurance plan. Likewise, as important as it is to secure your trip with the right plan, it is equally important to compare various travel insurance plans available online before making the right decision.
One reason why you should compare various plans is the coverage of the plan. Various plans from the best travel insurance companies may provide varied coverage for different premium amounts. You should choose the one most suitable to you.
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, you can 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.
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. A 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:
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 trip insurance beforehand to avoid inconvenience.
A travel insurance plan from Care Health Insurance ensures comprehensive coverage against medical and non-medical emergencies such as emergency hospitalisation, pre-existing disease, trip delay, trip cancellations, repatriation of mortal remains, etc.
Although buying travel insurance online makes the process a lot easier and quicker, here is a list of things to keep in mind:
Only a few insurance-providing companies provide travel insurance once you leave your homeland. Hence, buying travel insurance before starting a new journey. Although you may get a travel insurance plan once you fly overseas, the plan may or may not be valid for your current journey.
At Care Health Insurance, you can buy a year-round travel insurance plan. You can buy the most comprehensive travel plan, i.e. the Explore and get ready to explore the world worry-free for 365 days.
Yes. Technology has made buying travel insurance on your own easier than ever! All you have to do is, visit the website i.e. www.careinsurance.com and click on the “get a quote” button. The next thing you will find yourself doing is filling in the details to get a quote for your plan, and the seamless navigation of the website will take you to your destination (we mean the premium) within minutes.
Although different travel insurance companies follow different norms while selling a travel insurance plan, you do not have to undergo a pre-medical checkup before buying a travel insurance plan from Care Health Insurance. However, you will be asked to submit a declaration form that suggests that you have disclosed all/ any pre-existing ailments to your consumer.
Yes. Your travel insurance plan covers you for all the trip delays and trip cancellations as per your sum insured or as discussed in your project.
Disclaimer: ^^Number of Cashless Healthcare Providers till 31st Dec 2022.