Family Travel Insurance

1. A Medical Emergency May Come Unannounced: Travelling with several people increases the susceptibility to medical emergencies. If you are travelling with children and elderly parents, their chances of being affected by environmental changes can be higher. Moreover, certain pre-existing conditions may pose life-threatening risks. Family travel insurance ensures you are financially covered for medical hiccups that may arise.
2. Trip Hassles Can Derail Your Finances: You might not be able to prevent a flight from getting delayed or your checked-in baggage from getting lost, but you can surely cover your trip and belongings financially. Under Care Health Insurance’s travel insurance family plan, you get coverage for hassles such as flight delays or lost checked-in baggage.
3. Theft Is a Common Mishap These Days: Travel insurance is handy if you lose your essential documents to theft on an international trip with your family. The plan offers financial assistance in retrieving or applying for duplicate documents while you are in a foreign land.
4. Getting Treated in a Foreign Land Can Be Worrisome: A health emergency can creep up and spoil your trip, and the stress is higher if a minor accompanies you. Your family travel insurance plan offers benefits such as the return of a minor child or a two-way compassionate visit to ensure your minor reaches home safely or an immediate family member can travel to support you during a medical emergency.
5. Accidents Can Be Unexpected: Accidents and impairments are the last thing you want to plan for on a family trip. While financial cover for your family may not prevent mishaps, it ensures you receive the necessary coverage and financial support amidst sudden accidental events.

1. In-patient Coverage: If a medical emergency occurs with any insured member during the trip, the travel insurance family cover offers financial coverage for hospitalisation and treatment per the policy terms.
2. Out-patient Coverage: If an insured member has to see a doctor in a foreign country due to medical discomfort, the insurer reimburses the reasonable cost of the treatment.
3. Pre-existing Disease Cover: If an insured member encounters a life-threatening condition due to a pre-existing disease, the family travel insurance plan covers up to 10% of the sum insured for treating the condition.
4. Medical Evacuation: If a medical emergency requires immediate transportation of the insured member to the nearest medical facility, then the insurer reimburses the transportation costs as per the policy terms.
5. Adventure Sports Cover: If any of the insured members encounter an accident while performing adventure sports under the supervision of an expert, the insurance policy covers the expenses incurred in treating the injured. Adventure sports coverage is an add-on benefit of the Explore-International travel insurance plan. The optional add-on covers hospitalisation expenses up to 25% of the Sum Insured.
6. Automatic Trip Extension: If, due to a medical emergency, an insured member has to extend their stay even after the policy expiration, the insurer shall extend the policy for a maximum of up to seven days based on the standard terms & conditions.
7. Upgradation to Business Class: If an insured member is hospitalised for up to five days or more and has been advised by the medical practitioner to upgrade their existing flight ticket to business class for a comfortable journey, then the insurer shall reimburse for the difference amount incurred in upgrading the air ticket from economy to business class as per the policy terms and conditions.
8. Daily Allowance: Under your worldwide family travel insurance plan, Daily Allowance is a fixed amount payable if an insured member is hospitalised in a foreign land for more than two days.The benefit is payable for a maximum of up to 5 days.
9. Dental Expenses: An insured member is eligible to file a claim against dental treatment expenses if they have to see a doctor due to injury-related or sudden acute pain in one of the natural sound teeth.
10. Trip Delay: Unprecedented flight delays may be distressing for your trip and your budget. Therefore, Care Health Insurance offers a fixed amount for each set of four-hour delays of your flight, subject to policy terms and conditions.
11. Trip Cancellation: If, due to an unforeseen circumstance, you have to cut short your trip or have to cancel it altogether even before starting it, the losses incurred can be burdensome! Therefore, under the travel insurance family cover, Care Health Insurance offers coverage for the losses incurred in trip cancellation per the policy terms and conditions.
12. Loss of Documents: Care Health Insurance offers a fixed amount on an aggregate basis as per policy terms and conditions if you lose your documents, such as your passport or international driving licence, in a foreign country.
13. Loss or Delay of Checked-in Baggage: If your checked-in baggage is delayed, damaged, or lost due to your airline’s negligence, your insurer will reimburse you a fixed amount based on the standard terms and conditions of the policy.
14. Missed Flight Connection: If, due to an unprecedented circumstance, you miss your pre-booked connecting flight, your insurer will reimburse you for the expenses incurred for accommodation and travel, subject to the terms and conditions of the policy.
15. Hijack Distress Allowance: Hijack would be the last thing you want to encounter on a family trip! While improved air security has ceased the events of hijacks, the hijack distress allowance benefit under Care Health Insurance’s International travel plan offers a fixed amount of coverage for distressed insured members.
16. Return of Minor Child: If you are travelling with a minor and have covered them under the family travel insurance plan, then, in an emergency where your minor is unaccompanied, the travel plan shall cover the reasonable expenses incurred in sending the minor back to the home country.

1. Expenses incurred in treating any self-inflicted injury, suicide attempts, etc.
2. Expenses incurred towards clearing false arrest cases, wrongful detention, defamation, etc.
3. Expenses incurred in treating drug use/misuse/abuse.
4. Expenses incurred due to the consequences of social wars and/or nuclear perils.
5. Bail charges incurred due to participation in unlawful activities.
6. Expenses incurred towards hospitalisation shall not be covered if that is the sole reason for travel.
7. Expenses for pre-existing diseases shall not be covered if the insurer is not informed of them.
8. Treatments that could possibly be delayed until the insured member returns to the home country are not covered.

The exclusions mentioned above are for reference purposes only. Please refer to the policy documents for details on permanent and standard exclusions.

1. Proposer Details: Click on the "Buy Now" button on the quote page to get directed to the proposer detail page. Carefully fill in the proposer details here. Please note that the proposer is the individual who pays the premium and submits the purchase request.
2. Medical History & Payment: Upon adding the required details correctly and clicking the "Next" button, a new page for medical history will open. Fill in the requested details accurately and proceed to make your secure online payment.
3. Policy Issuance: The policy purchase is now complete. Your proposal summary, policy documents, and other important coverage details will be sent directly to your registered email ID and contact number.

1. Scope of Coverage: Coverage must be your foremost criterion. For instance, if you are travelling with elderly members, choosing a policy that covers emergency treatments for pre-existing medical conditions under life-threatening circumstances is vital.
2. Nature & Frequency of the Trip: Match your policy to your travel patterns. It is wise to opt for a region-specific, single-trip plan if you travel occasionally. However, if your family has multiple trips planned for the year, an annual multi-trip family insurance policy will be more cost-effective.
3. Policy Exclusions: Carefully review the policy prospectus and terms to verify what is excluded. Understanding what your policy will not pay for prevents last-minute surprises or out-of-pocket expenses during a claim.
4. Third-Party Service Provider: Evaluate the network and credibility of the global third-party administrators (TPA) tied to your insurer. Keeping their emergency contact details handy ensures your family receives immediate assistance during an overseas crisis.
5. Claim Settlement Process: Check the insurer's claim settlement reputation, speed, and ease of documentation. An insurer that offers a streamlined, digital, and transparent claim process ensures a completely worry-free family holiday.