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Travel insurance covers your trips against unexpected medical and non-medical emergencies, including expenses incurred for hospitalization, loss of passport, check-in baggage, etc.
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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:
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:
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 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:
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:
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.
Yes, you can buy a travel insurance plan online without facing the hassle in four easy steps:
Here are 4 benefits of purchasing a travel insurance plan before starting an International trip:
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.
Only some countries have mandated the possession of a travel insurance plan to visit the land. However, travel insurance is mandatory for all Schengen visa countries. A Schengen visa is required if somebody wishes to travel to several countries on a single continent. It is mandatory for Schengen visa holders to buy a travel insurance plan.
However, one-time travellers don't need to buy an international travel insurance plan; it is the wisest choice to buy one to cover yourself in case of an encounter with an unforeseen mishap.
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.