Many companies that sell tickets and travel packages offer consumers the option of purchasing travel insurance, also known as travel insurance. Some travel insurance policies cover personal property, rental equipment such as rental cars, and even ransom payments.
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Today's article is about travel insurance, or what is travel insurance. There was a time when I only had life insurance (travel health insurance in India), but now I have other insurances such as car and bicycle insurance and other insurance. However, with today's increasing lifestyle, it is also necessary to have travel insurance (Yatra Bima).
Let's say you're on a plane and you're the victim of a plane crash, train crash, etc. due to a mistake (what is travel insurance). In such circumstances, it will be necessary to purchase our travel insurance. So why is it important to have travel insurance, and what benefits can you get from it?
What is travel insurance?
Travel insurance, as the name suggests, is an insurance product that is a type of property and casualty insurance. It helps protect against accidental damage while traveling and the financial costs that come with it. This is an advantages and beneficial product for all national or international travelers, especially those who travel frequently. Travel insurance covers the following damages:
- Lost Baggage/Lost Property
- Theft of Bag or Property
- Loss of Passport
- Trip Cancellation or Delay
- Illness or Accident Related
- Insured Death
- Disability Insured
- Emergency Exit
- Transit Failure / Departure
- Flight / Hotel Rebooking etc.
You should check your travel insurance to see what costs will be covered. In some cases, more risks than those listed above may be warranted. Many travel insurance companies offer additional risk protection with additional premium payments
Some travel insurance plans are primarily aimed at the traveler or a specific location of the destination.
Types of Travel Insurance
Travel insurance can be broadly divided into domestic travel insurance and overseas travel insurance. Most insurance companies only offer travel insurance for his one trip at the time the trip is booked. However, you can take out insurance that covers multiple trips. Companies that sell travel packages usually offer such policies. Your insurance company may partner with the company/website/app you use to book your flight. Below are the types of travel insurance.
1. Travel Insurance for One Trip
One-time travel insurance designed specifically for a specific trip.
2. MULTIPLE TRAVEL INSURANCE
If you travel a lot, it is advisable to purchase inexpensive travel insurance. Covers multiple trips over an extended period of time to a specific destination. B. A whole year. This is useful for businessmen and other frequent travelers who travel long distances.
3. Educational Travel Insurance
This type of travel insurance is available for students especially for educational trips abroad. There is usually a certain time limit during the visit period. For example, a maximum of 30 or 45 days.
4. Group Travel Insurance
Group travel insurance is available to many customers. There is a limit to the number of people that can be covered by group insurance. For example, HDFC group travel insurance covers 7 of her. Insurance companies usually offer such offers when group trips and tours from different locations/countries are on hold. It also depends on the age of the people in the group and can prove to be a cost-effective guideline when traveling in a group. We may have special or customized policies. This is especially true for older people and families. You can create customized policies such as: Medical travel insurance that covers all medical expenses. Likewise, customized corporate policies are beneficial for businesses and businessmen alike.
Benefits of Purchasing Travel Insurance
In addition to the many costs associated with travel insurance plans such as those mentioned above, there are some important benefits.
1. Luggage Advantage
This policy covers the cost of lost luggage. It can be damaged, stolen or lost
These policies can cover loss of bags, passports, important documents, cash or personal items. In addition, you can protect your luggage in the event of an accident such as an emergency evacuation.
2. TRIP CANCELLATION OR DELAY BENEFITS
If your trip is canceled or delayed due to unforeseen reasons, your travel insurance company will reimburse you for the costs. Cancellations or delays may be due to weather conditions, strikes, or other reasons. We also offer optional services such as access to toilets, clothing and food. Travel insurance also covers the costs of canceling or delaying a trip due to an emergency.
3. Treatment Benefits
This policy also covers medical and hospital expenses. This is the expense incurred in the event of a medical emergency, illness or injury while traveling. Cover hospitalization, ambulance and other expenses. Health insurance companies arrange cashless hospitalization in specialized hospitals. You can also claim reimbursement for medical and hospital expenses in the event of death or disability of the life insured person.
4. Optional Perks
There are certain perks for travelers such as tailor-made policies especially for individual travelers, groups and seniors.
This is because coverage requirements may differ from other policies, and regular travel insurance may not meet them. Therefore, some insurance companies also offer bespoke travel coverage policies.
The above benefits are the main coverage provided by travel insurance companies to policyholders. However, these are subject to the terms of the insurance company's respective policies. Therefore, please review the Terms of Use carefully.
What is not covered by travel insurance?
- There are certain instances where policies do not provide coverage, often referred to as 'exclusions'. Some of these exclusions are listed below.
- Alcohol and drug addicts are more likely to lose property or be injured as a result of their addiction.
- In this case, the insurance company will not cover your luggage or medical expenses.
- Covers medical expenses, but not Ayurvedic, homeopathic or cosmetic surgery.
- Policy does not cover pre-existing illnesses/health conditions. Most insurance companies do not cover HIV-related issues. It also does not cover the costs of traveling against your doctor's orders.
- No self-harm, suicide or adventure sports coverage.
- If you leave your passport or luggage unattended and lost, insurance will not apply. Also, if you ship the item to another location, the policy does not cover this
- There is no insurance for travel to prohibited/disclosed destinations. These are typically war-prone areas. For example, if the region is in civil war or has suffered a terrorist attack.
- Travel insurance policies vary in terms of coverage and exclusions (what is not covered). You may also get additional benefits. It also depends on the target audience (individuals, groups, students, seniors). It is important to read our policies, all terms of use and disclosure statements.
Travel Insurance International India
What if I want to take out insurance abroad? Insurance agents usually provide a travel insurance hotline number to provide billing related documents. In addition, relevant governments and departments such as police, Indian embassy, transport companies (and others as appropriate) must also be notified.
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