Coverage for life-threatening PED conditions##
Travel insurance policies help you secure your trip against medical and non-medical emergencies that may arise out of the blue.
Reasons to Choose Care Health Insurance?
Pre-Existing Disease Coverage
Upgradation to Business class
Automatic Trip Extension
Missed Flight Connection
Imagine planning an international vacation and having to cancel it due to an unforeseen medical inconvenience. Sounds disheartening, right?
Not just emotional heartbreak, such cancellations also bring financial losses. Here, travel Insurance can come in as a safety layer, safeguarding your trip.
Travel insurance is a tool that provides financial security in the event of medical, non-medical, and trip-related emergencies. The insurance policy covers unforeseen trip cancellations, trip delays, loss of checked-in baggage, medical emergencies, and even trip nuisances, such as personal liability. Best travel insurance in India typically covers your trip from the moment you depart from your home country until the time you return. Travel health insurance plans are mainly of two types– domestic and overseas travel insurance. Keep reading through to understand the features, coverage, exclusions and more about overseas travel insurance.
No matter where you are flying off to, having a travel insurance plan can help you travel stress-free. Below are the benefits of purchasing a travel insurance policy from Care Health Insurance:
From protecting your trip against medical emergencies to ensuring you are covered in the event of trip delays, travel insurance offers several benefits. Let’s have a quick look at how online travel insurance benefits your international trip.
Offers Destination-specific Coverage
Travel insurance with worldwide coverage may be expensive for a single trip. Therefore, we offer destination-specific plans with the required coverage at an affordable premium.
Covers Common Carrier Hassles
Whether you travel via plane, cruise or train, hassles incurred shall be covered if you are travelling through a common carrier.
Insures Pre-existing Diseases
If you confide in your insurer with your medical history, travel insurance shall ensure that you are covered amidst life-threatening conditions arising due to pre-existing diseases.
Protects You Amidst Liability
Incuring an accident where you hurt a third party can lead to legal liabilities. Travel insurance with Personal Liability coverage can ensure you do not have to bear the settlement load alone.
Offers 24/7 Assistance
An unannounced emergency can strike anytime! Here, the claim team of one of the best travel insurance companies in India ensures 24/7 assistance to ensure you can reach out for help whenever you need.
Note: Coverage for common carriers, including cruises, flights and trains, is subject to the policy's terms and conditions. It applies only to incidents occurring during the insured's journey on a licensed common carrier, including air, sea, or land transport. Exclusions and limitations may apply based on the nature of the event and specific policy provisions.
Travel insurance plans are broadly divided into 6 categories. Let’s have a quick look at the common types of travel insurance available in India.
Travel protection meant to cover the trip of a solo traveller is known as Individual Travel Insurance. The plan typically covers unforeseen emergencies incurred during your solo adventures.
Travel Insurance offering financial coverage for family trips are usually known as family travel insurance. Our travel medical insurance offers a premium discount of up to 20% when you secure your family trip.
Individuals pursuing higher education in a foreign country can secure their stay under a student travel insurance plan. The plan offers coverage for medical and non-medical urgencies that may arise during your term abroad.
Travel insurance for the elderly is a plan that usually offers unique travel protection such as coverage for life-threatening conditions due to PED to ensure that the trip with the elderly is covered.
A travel insurance plan that covers a single trip is known as single-trip travel insurance. The coverage under the plan starts once you start your trip from your home country and ends once you return back to the home country.
An annual policy that provides a financial cushion for your international trips taken throughout the year is known as multi-trip travel insurance. This plan usually offers a travel protection of 365 days.
Being aware of the coverage and exclusions becomes especially important when you are purchasing travel insurance online. Reading through the policy documents helps you avoid any misconceptions and also offers peace of mind when you are stranded in a foreign land. Read through to know the major coverage and exclusions of the International travel insurance plan from Care Health Insurance.
As you secure your international trip, certain coverage may be optional. For instance, if you are travelling to a visa-free country, you need not pay the premium for visa rejection coverage under your policy. Therefore, insurers deem such benefits as optional add-ons and may offer them as benefits only under region-specific plans. Let’s have a look at the major add-ons in our travel insurance policy.
A foreign travel health insurance from Care Health Insurance offers destination-specific coverage to meet the insured’s medical and non-medical needs while travelling abroad. Below are the features of one of the best travel insurance policies in India.
| 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 | ❌ | ✅ |
#The maternity and newborn benefits are available as optional benefits under student travel insurance.
The working of a travel insurance policy may vary depending on your insurer. Let’s bifurcate and understand how a typical travel health insurance plan from Care Health Insurance works.
In case of rejection, you will be provided with the reasons for claim rejection.
Purchasing travel insurance online can be a smooth process if you know what will be required. Here’s a list of documents you may need when purchasing travel insurance online.
| Proof | Eligible Document |
|---|---|
| Id proof | Aadhaar card, voter ID, driving license, or passport |
| Address proof | Aadhaar card, passport, driving license, voter ID etc. |
| Financial statement | Bank statement or other proof of income |
| Medical fitness proof | Medical certificate for fitness if required. |
Please note that the documents required for travel insurance may vary depending on the travel insurance company you choose.
The eligibility criteria to purchase a travel insurance policy at Care Health Insurance may vary depending on the type of plan you opt for:
| 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 choose the best medical travel insurance online, you must be sure about your requirements from the plan. Here are a few tips that can help you select the best travel and health insurance for your international trip.
You can follow the steps mentioned below and use our travel insurance premium calculator to estimate the travel insurance cost of your policy.
Through the home page of Care Health Insurance, navigate to the travel insurance page and enter your contact number.
Enter the destination that you are to visit and your trip duration, and click on “Continue”.
Select the number of insured members and provide their age.
On this page, enter your contact details (email and phone number) and click on the “Get Quote”.
On the next page, the travel insurance premium will be visible. Review the base coverage, the sum insured amount offered and edit the details
Read More..
if required and proceed to purchase travel insurance coverage from here.
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You must follow the steps as mentioned below to purchase travel insurance online:
Step 1
On the quote page, evaluate the sum insured and coverage offered and then click on the Buy Now button.
Step 2
On the newly appeared page, apply for customer KYC, fill out the proposer details, and press the “Next” button when you are done.
Step 3
On the next pages, fill in the insured member’s details and disclose the medical history, if any.
Step 4
Finalise your purchase by making the payment. The policy documents will be shared via the registered email ID and phone numbers.
There are several factors that contribute to travel insurance premiums. Some of the factors are represented below:
At Care Health Insurance, we partner with Falck to help you stay covered across the globe. In the USA and Canada, we are powered by the UnitedHealth Group (UHG) in partnership with Falck to ensure an easy claim process. Our claim team here in India ensures that filing a claim is no longer a cumbersome task.
Planning for an international vacation in the coming year? Whether you are a solo traveller or are travelling with family, secure your next trip with these region-specific travel insurance plans from Care Health Insurance.
Note: The per-day premium has been calculated for an individual aged 24 for a 90-day trip, with starting coverage available in that region.
You need not worry about the extension of your online travel insurance if you have to extend your stay due to reasons beyond your control. The travel insurance from Care Health Insurance offers automatic trip extension for up to 7 consecutive days if you have to extend your stay due to reasons such as your or your companion’s hospitalisation, death of one of the insured members, natural calamity, rescheduling of flight, etc.
However, if you wish to extend your stay for other reasons, below are the steps to follow to get your policy extended.
Step 1
Contact your insurer before the policy expiry date and state the reason for extension.
Step 2
Provide the insurer with the documentation process. They may ask for the reason for the extension, any official documents if required, and your policy details.
Step 3
Once the insurer verifies your documents, make the additional payment.
Step 4
The renewed policy documents will be shared with you on your registered email ID.
While not in every destination, having travel medical insurance can be a prerequisite in certain countries. The list of these destinations is tabulated below:
| Austria | Belgium | Bulgaria | Croatia | Czech Republic |
| Denmark | Estonia | Finland | France | Germany |
| Greece | Hungary | Iceland | Italy | Latvia |
| Liechtenstein | Lithuania | Luxembourg | Malta | Netherlands |
| Norway | Poland | Portugal | Romania | Slovakia |
| Spain | Sweden | Switzerland | Slovenia |
| Cuba | Dubai (United Arab Emirates) | Russia | Uruguay |
| Bali (Indonesia) | Thailand | Saudi Arabia | Argentina |
| Sri Lanka | Japan | Turkey | Egypt |
| Nepal | Kenya | Canada | Bhutan |
| South Korea | Ecuador | Jordan | Iran |
| Israel | Lebanon | Moldova | Rwanda |
| Fiji | Seychelles | Aruba | Georgia |
| Jamaica | Morocco | Myanmar | Romania |
Note: This is not an exhaustive list; it is essential to check the specific requirements of the country you visit before your trip.
Overseas travel may bring along surprises. While you must be open to the ones that will give you a lifetime of memories, being prepared for the nightmares is also wise. So, here are a few tips that can help you stay safe during your international travel.
Understanding the coverage, exclusions, and terms & conditions of a travel insurance policy becomes easier when you are aware of the common terminologies used in the documents. Let’s have a look at some of the terminologies that you’ll come across while reading the policy documents.
My appreciation for your prompt service
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Health Insurance
We will continue to avail of your scheme
Samanway Barik
Health Insurance
Everything went very smooth
Soubhagya K Kulkarni
Health Insurance
Really helpful explaining the process in advance
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Health Insurance
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Explore: UIN - RHITIOP20134V031920
Disclaimer: 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 Travellers Served till Jan'25
**Number of Claim Amount Paid as of Apr'25
^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.
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