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Travel Insurance frequently asked questions

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Frequently asked questions on Travel Insurance

Travel insurance usually provides broader coverage than just trip insurance alone. In addition to providing trip insurance for trip delays, trip interruptions, trip cancellations and related problems, it may also cover additional travel-related expenses such as those incurred for medical and health emergencies that may arise during your trip. Some plans also provide services such as travel-related advice, evacuation to your home or hospital in case of a medical emergency, emergency cash or help in the event of the loss or theft of your money, valuables or travel documents.

The loss of handbag is not covered. The Policy pays or reimburses only for a delay in transportation of checked-in baggage accepted by a common carrier by which you/ insured would be traveling. It is also mandatory that the common carrier issues a baggage receipt for the trip.

Insurance is defined as a co-operative device to spread the loss, caused by a particular risk, over a number of persons who are exposed to it and, who agree to insure themselves against that risk. Risk is the uncertainty of a financial loss. It is not to be confused with the chance of loss, which is the probable number of losses out of a given number of exposures. It must not be confused with peril, which is defined as the cause of loss.

Neither should it be confused with hazard as this is a condition that may increase the chance of loss. Finally, risk must not be confused with loss itself. Loss is, in fact, the unintentional decline in or disappearance of value that arises from a contingency. Wherever there is uncertainty with respect to a probable loss, there is risk.

The outlay of money for travelling can be quite substantial. You may find yourself facing the loss of more money than you want to lose should unforeseen circumstances arise that make it necessary to cancel or interrupt your trip. Trip insurance can provide protection against such losses in many cases. Other unforeseen losses such as trip delays or baggage delays can also be covered. Depending upon the features of the plan that you purchase, travel insurance can provide the additional assurance that expenses will be covered for medical care including hospital admission, emergency dental care, and emergency medical evacuation. Emergency cash advances, and help with retrieval of luggage or other services may also be available.

You file a claim with the insurance company that issued your policy. In case of policies received on account of your employment you may have to file claims through the HR administrator.

  • Most companies offer a call centre facility.
  • Alternatively, you can:
    1. contact your agent
    2. write to your insurance company intimating the claim.
  • There is usually a claim form that needs to be filled. This can be:
    1. downloaded from the insurance company's website.
    2. be obtained by visiting the insurance company's office.
    3. provided to you by your agent.
  • Be thorough and exact when reporting damage and always tell the truth. Withholding vital information or exaggerating the facts can, not only lessen your chances of the claim being settled to your satisfaction, but also may be considered a crime. (Insurance fraud costs consumers crores of rupees a year.

    Under the provisions of Motor Vehicles Act all the vehicles which are plying in public places shall have at insurance policy at least to cover third party liability as specified under the Act.

    Find out more about Indian travel insurance

    Types of Insurance

    Types of insurance

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    Please find out the different types of travel insurance that suits your travel.

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    Already outside India

    Already outside India

    We can help!

    Travelers who have already traveled from India and do not have insurance can buy travel medical insurance.

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    Online Renewal

    Online renewal

    Renew Today?

    Insurance customers can renew their existing policy online before the exipry date at any time.

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    Indian travel insurance links

    travel
    Travel insurance

    Indians while traveling outside India should buy proper travel health insurance. We help you find the travel insurance policy based on your requirements.

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    Annual Multitrip
    Multitrip travel insurance

    Annual Multitrip insurance allows customers to travel outside India, anywhere in the world, any number of times during the coverage period of 1 year.

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    Asia
    Asia travel insurance

    Indians traveling to other Asian countries have the option of buying very specific Asia travel insurance.

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    Pre-exisiting Insurance
    Pre-exisiting condition travel insurance

    India travel insurance covering pre-existing conditions

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    Domestic travel insurance
    Domestic travel insurance

    Get free quotes and buy Indian Domestic travel insurance plans online.

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    family travel insurance
    Family travel insurance

    Compare and buy indian travel insurance for family travellers online.

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    Group travel insurance
    Group travel insurance

    Group travel insurance is an insurance that will cover a group of people, buy group travel insurance policy online.

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    Senior citizen travel insurance
    Senior citizen travel insurance

    Travelers who are above 70+ can get quotes and compare senior citizens overseas travel insurance plans offered by Indian insurance companies.

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