Coverage for life-threatening PED conditions##
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
Good travel insurance should be the most essential item on your travel checklist if any trip is on your calendar this year. You must never forget that it is crucial to secure your overseas journey regardless of your reason for travel, be it a business trip, a planned vacation or higher education.
Whether you fall sick, get injured, or lose your belongings, travel insurance from Care Health Insurance can help you easily manage any mishaps encountered along the way!
Care Health Travel Insurance offers 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 a few clicks! Now, what is travel insurance, you may wonder.
Travel insurance is a financial cushion designed specifically to protect you while you travel 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.
International travel insurance for cross-border trips
Travel Insurance for Students Pursuing Higher Studies Abroad!
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 ExploreAt Care, we provide the best travel insurance. The destination-specific plans are separately designed to meet the needs of students and other individuals travelling abroad. Mentioned below are a few key coverages under Care’s Travel Insurance.
| 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 | ❌ | ✅ |
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 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 travel insurance from Care:
While you buy travel insurance online from Care, we provide comprehensive travel insurance coverage as mentioned below:
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 Care trip insurance:
Although a travel policy covers several medical and non-medical expenses, many risks may not get covered. Checking the exclusions under travel insurance coverage is beneficial to avoid any last-minute complications. Some must-know exclusions in a Care travel insurance is as mentioned below:
Before getting the travel insurance quote, it is crucial to understand the eligibility clauses to ensure a foolproof purchase. The eligibility criteria of the online 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 buy travel insurance online, follow the steps below:
Step 01: Visit the official Care Health Insurance website and navigate the travel insurance dropdown. Select the country you wish to visit.
Note: Select student travel insurance if you travel abroad for higher education.
Step 02: Once on the desired page, navigate to the right side of the screen, enter your phone number and click on the “calculate premium” button.
Step 03: Follow the form flow and provide details such as the proposer’s age and insured member(s) details in the designated columns.
Step 04: Select if the insured members suffer from pre-existing diseases. 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 critical USPs of the plan. Proceed to make the payment and save a receipt for further reference.
Confusion is prudent if you have multiple travel insurance plans to choose from. So, “how to get the best travel insurance?” You may wonder.
The best way to choose a suitable plan is to compare online travel insurance from various insurers. Some reasons why comparison of travel insurance is essential are:
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.
Please note that the documents required for travel insurance may vary from insurer to insurer based on the type of travel insurance you purchase.
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:
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.
Both Travel and Health insurance have distinct benefits, coverage, exclusions, and claim processes. Below are the factors for your understanding:
| Factors | Travel Insurance | Health Insurance |
|---|---|---|
| Definition | Travel insurance covers medical and non-medical expenses that may otherwise derail your trip budget. | Health insurance covers various medical expenses incurred during a health crisis. |
| Coverage | Travel insurance covers medical expenses, like hospitalisation and non-medical expenses, such as unforeseen trip delays, passport loss, checked-in baggage, etc. | Health insurance covers various medical expenses arising from any illness or injury, ambulance expenses, daycare treatment, Yearly health checkups, etc. |
| Premium | Travel insurance premium depends on the number of travellers, age, pre-existing conditions, the destination selected, the sum insured, trip duration, etc. | Health insurance premium depends on the number of insured members, their age, the sum insured, pre-existing health conditions, etc. |
| Who should buy | Tourists, adventure travellers, backpackers, business travellers, and aspiring students | Everyone from infants, pregnant women, youth, and senior citizens to healthy individuals. |
While finalising a travel insurance plan, you will get a choice between a single trip policy or multi-trip policy. Each has their 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 a maximum 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 buying travel insurance online, you may encounter technical terms that may confuse you and distract your purpose of securing your trip. Below are a few terms you should know while buying travel insurance:
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Our Travel insurance does not cover trip cancellations and other expenses incurred due to pre-announced travel-related warnings.
Your travel insurance becomes effective from the date your trip starts. If you take additional coverages, such as a refund of the visa fee or trip cancellation insurance, then the travel insurance comes into effect just after you buy travel insurance.
Typically, there is no minimum or maximum age limit to get insured under travel insurance policy. However, if the insured member is below 18, they will need a proposer who is 18 or above.
You can buy travel insurance online until the last minute of taking off for your flight! However, it is always suggested to compare travel insurance from various insurance providers carefully and then purchase as soon as you decide to book tickets for your journey.
Our Travel insurance covers expenses incurred under trip cancellation given that the trip has been cancelled under the policy’s terms & conditions.
The premium of travel insurance may vary depending on various factors. The age of insured members, the destination you are travelling to, frequency of trip, duration of the trip, pre-existing medical conditions, etc. are a few factors to be named that affect the premium of travel insurance plans.
Annual travel insurance lasts up to 365 days from the start date. Whereas, single-trip travel insurance may last for as many days as you plan your trip to be. Suppose you plan a 30-day one-time visit trip to a country, then your travel insurance may last for up to 30 days.
Once you embark on a new journey, you can not purchase travel insurance policy to secure your further journey.
Travel insurance is not mandatory while travelling across borders. However, you should always secure your journey with a travel insurance plan.
Yes. Based on a traveller’s unique travelling needs, travel insurance is of different types. Family travel insurance, student travel insurance, standalone travel insurance, and travel insurance for senior citizens are a few types of travel insurance mentioned.
Yes. Travel Insurance covers emergency medical conditions while you are on a journey to a foreign country. Additionally, the plan also covers adversities encountered due to previously informed existing medical conditions.
Yes. If you are planning to take multiple trips throughout the year, you can simply cover all your trips under multi-trip travel insurance.
You should buy travel insurance depending on whether you will take multiple trips or a single trip in the coming year. If you don’t have plans to take multiple trips, then single-trip travel insurance is the best option. However, if you are willing to take multiple foreign trips, then you should opt for multi-trip travel insurance.
Yes. Travel insurance from Care Health Insurance covers you amidst medical and non-medical emergencies.
No. You cannot buy travel insurance once you leave your home country.
Yes. Care's Travel insurance covers hospitalisation incurred due to coronavirus infection.
If you plan to pursue higher education and are purchasing student travel insurance, you can buy a policy that covers your complete journey.
At Care Health Insurance, the travel insurance claim typically takes 10-15 working days for settlement.
Yes. Care Travel insurance covers expenses incurred during the theft once you depart from your home country.
India's Insurance Regulatory and Development Authority has mandated all travel insurance companies to provide basic coverage for expenses incurred due to Covid-19 infections. Considering this, Care Health Insurance provides travel insurance with Covid coverage to cover expenses incurred due to Covid-19 infection.
Care Health Insurance is one of India’s leading insurers. The vast plan options, comprehensive coverage, 24/7 claim assistance, world-class third-party administrator and high claim settled stats are the reasons why Care Health Insurance is the best travel insurance company.
Yes, you can opt for Care Travel insurance online through the official Care Insurance website.
If you travel to a foreign country, having Care Explore- International Travel Insurance is crucial to save you from undeniable and unforeseen expenses.
Yes. You can opt for travel insurance after booking your trip. However, you should purchase it before leaving your home country.
Care Explore- International Travel Insurance offers comprehensive coverage for various medical and non-medical contingencies you may encounter during your overseas journey. Emergency hospitalisation, hospitalisation amidst life-threatening conditions due to PED, trip delays/cancellations, trip interruption are a few things covered under the international travel insurance offered by Care Health Insurance.
You can file a claim for Care travel insurance online by scanning & uploading the claim documents at the Care Health Insurance ‘Self-Help Portal’. You can also download the Care Health-Customer App to be able to do the same.
Yes, our travel insurance covers medical expenses like hospitalisation and non medical expenses like trip delay, baggage loss, passport loss, etc.
Yes, you can get a travel insurance policy from Care even if you have a pre-existing health condition.
It is generally advised that you should buy travel insurance 30 days before your travel date. You should consider trying to purchase an insurance plan as soon as you start planning your holiday, this gives you enough time to compare prices.
Sometimes, your claim can be rejected due to wrong information, exclusions, waiting periods, etc. In such cases you can write an appeal letter, and you will get a reply to your query.
No, you will not get a refund of your travel insurance if you have cancelled your trip due to any personal reason.
No, you do not need to purchase multiple travel insurance plans. You can buy a single travel insurance policy for the entire duration of the trip.
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 Cashless Healthcare Providers as of 31st March 2024
**Number of Claims Settled as of 31st March 2024
^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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