IndusInd Overseas Travel Insurance for Indians Travelling Abroad
IndusInd Overseas Travel Insurance offers Indian travellers medical and travel-related protection for eligible international trips, with premiums starting at ₹23 per day*. Available coverage and benefits depend on your destination, age, trip duration and selected plan. Compare options for travel to the USA, UK, Europe, Australia, Asia and Schengen countries to understand medical expense limits, emergency assistance and other included benefits. Check policy exclusions, destination eligibility and visa-specific insurance requirements before buying. Get a quote online to find a plan suited to your travel needs and budget.
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IndusInd General Overseas Travel Insurance Plans for Every Type of Traveller
Plan Options and Coverage Limits:
- IndusInd Standard Travel Plan: Up to $50,000 & $100,000
- IndusInd Silver Plan: Up to $100,000
- IndusInd Gold Plan: Up to $250,000
- IndusInd Platinum Plan: Up to $500,000
- IndusInd Senior Citizen Travel Insurance: Up to $50,000
- IndusInd Annual Multi-Trip Insurance: $250,000 & $500,000
- IndusInd Asia Travel Insurance: Short trips within Asia (excluding Japan)
- IndusInd Schengen Travel Insurance: Meets mandatory EUR 30,000 visa norms
Which IndusInd Overseas Travel Medical Insurance Plan Fits Your Situation?
- Travelling to the USA for a family visit and concerned about high hospital bills → Compare the IndusInd Gold and Platinum Plans, offering medical coverage limits of up to $250,000 and $500,000, respectively. Choose based on your age, trip duration, budget and required coverage.
- Taking a short international holiday and looking for affordable medical protection → Consider the IndusInd Standard Plan, which offers up to $50,000 in medical coverage and published starting premiums from ₹23/day*. Check whether its coverage limit is sufficient for your destination.
- Visiting Europe and applying for a Schengen visa → Compare eligible IndusInd Schengen travel insurance plans that meet the applicable visa insurance requirements. Verify the medical coverage, emergency medical transportation and repatriation benefits before purchasing.
- Travelling abroad with a declared pre-existing medical condition, such as diabetes or hypertension → Review the IndusInd policy's pre-existing condition provisions, exclusions and emergency-treatment limitations before choosing a plan. Do not assume that routine treatment or every complication of a pre-existing condition is covered.
- A parent aged 65 or above is travelling overseas to visit family → Compare the available IndusInd senior travel insurance plans based on the traveller's age, medical coverage limits, applicable sub-limits and policy eligibility. Confirm the maximum available coverage for the destination before purchasing.
- Planning to stay overseas longer than six months → Check the maximum permitted policy duration and whether an extension is available for your selected plan. Submit an extension request before the existing policy expires; approval depends on the insurer's terms.
- Travelling to multiple countries on one international trip → Choose an eligible plan that covers all your intended destinations and the entire travel period. Verify geographical restrictions and any country-specific requirements before buying.
- Already abroad and realised you need travel medical insurance → Contact our insurance advisors to check whether an IndusInd policy can be issued for someone who has already departed India. Purchase is subject to insurer approval, eligibility and applicable policy conditions.
How Much Does IndusInd Overseas Travel Insurance Cost in 2026?
IndusInd Overseas Travel Insurance starts at ₹23 per day*, with medical coverage options ranging from $50,000 to $500,000. The premium depends on your age, destination, trip duration and selected plan. Some plans are designed for travel to Asian countries, excluding Japan. Compare available plans and benefits to find suitable coverage for your international trip. Get Your Travel Insurance Quote in 2 Minutes →
| Feature | Standard Plan | Silver Plan | Gold Plan | Platinum Plan |
|---|---|---|---|---|
| Starting Premium | ₹23/day* | ₹28/day* | ₹34/day* | ₹58/day* |
| Medical Cover | $50,000 | $100,000 | $250,000 | $500,000 |
| Baggage Loss | $500 | $1,000 | $1,200 | $1,500 |
| Pre-existing (T&C apply) | Up to $50,000 | Up to $100,000 | Up to $250,000 | Up to $500,000 |
| Trip Cancellation | Nil | $600 | $600 | $600 |
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*Price shown is for a 180-day trip to Singapore for an adult aged 25. Actual premium varies with age, destination, and duration.
IndusInd Overseas Travel Insurance Plans - Coverage and Key Benefits
What is the Cheapest IndusInd Overseas Travel Insurance?
The IndusInd Standard Plan is one of the most economical options starting at ₹23/day* with coverage up to $50,000.
Why Choose the Standard Plan?
- check_circle Medical Cover of $50,000
- check_circle Plans starting at ₹23/day*
- check_circle Baggage Loss cover of $500
- check_circle Trip Cancellation : Nil
What is the Best IndusInd Overseas Travel Insurance?
The IndusInd Gold Plan is the best value option, offering up to $250,000 coverage starting at ₹34/day*.
Why Choose the Gold Plan?
- check_circle Medical Cover of $250,000
- check_circle Premiums starting at ₹34/day*
- check_circle Baggage Loss cover of $1,200
- check_circle Trip Cancellation cover of $600
Should You Choose the Cheapest or the Best Value IndusInd Overseas Travel Insurance Plan?
The cheapest plan is suitable for budget-conscious travellers taking short trips with lower medical risk. For travel to the USA, Canada, the UK, Australia, or Schengen countries, the Gold Plan offers significantly higher medical coverage and additional travel benefits for only a small increase in premium.
IndusInd Overseas Travel Insurance Plans - Coverage and Key Benefits
| Plan Variant | Sum Insured | Key Benefits |
|---|---|---|
| Standard | $50,000 | Covers medical expenses, personal accident, and passport loss. Basic coverage for short trips. |
| Silver | $100,000 | Includes daily allowance during hospitalization, trip delay, and personal liability. |
| Individual Gold | $250,000 | Adds higher baggage loss coverage, missed connection, and compassionate visit. |
| Platinum | $500,000 | Offers maximum coverage for medical expenses, trip cancellation, and home burglary protection. |
| Family Standard | $50,000 | Coverage for all family members up to $50,000, including medical and dental expenses, personal accident, and daily hospitalization allowance. |
| Family Gold | $100,000 | Enhanced family coverage with trip delay, financial emergency assistance, and home burglary protection. |
| Senior 71-80 yrs | $15,000 / $50,000 | Special plans for senior citizens with sub-limit and full coverage options. |
| Senior 81-90 yrs | $50,000 | Coverage designed for elderly travelers with medical and personal accident protection. |
What Factors Affect the Cost of IndusInd Travel Insurance?
The premium for IndusInd travel medical insurance depends on several factors:
- Age of the Traveler:
- Premiums increase with age due to higher medical risk.
- Trip Duration:
- Longer travel periods result in higher premiums.
- Travel Destination:
- USA & Canada plans cost more than Asia or Europe-only plans.
- Sum Insured Chosen:
- Higher medical coverage directly increases the premium.
- Medical History:
- Pre-existing conditions may have exclusions or loading.
- Single Trip vs Multi Trip:
- Annual multi-trip plans offer better value for frequent travelers.
What Are the Important Factors to Consider While Buying IndusInd Travel Insurance?
When choosing a IndusInd overseas travel insurance plan, here are the key points to keep in mind:
-
Frequency of travel:
- If you are a frequent corporate traveler or businessperson going abroad several times a year, an annual multi-trip plan is more suitable as it covers multiple journeys under one policy.
- For leisure travelers taking an occasional holiday outside India, a single-trip travel insurance plan is usually sufficient.
-
Medical coverage required:
- IndusInd offers different plans with varying maximum medical coverage limits.
- The higher the coverage, the broader the protection against unexpected hospitalization or treatment costs abroad.
- Choose the sum insured that best matches your destination and anticipated medical expenses.
-
Sub-limits vs No Sub-limits:
- For senior travelers (especially above 56 years), some plans may come with sub-limits on hospitalization and medical expenses.
- While such policies are affordable, they may restrict benefits in case of major medical emergencies.
- For more comprehensive protection, especially when traveling to the USA or Europe, it is recommended to opt for plans without sub-limits for better coverage and peace of mind.
IndusInd Travel Insurance Plans Details
| Coverage in US Dollars | Standard | Silver | Gold | Platinum |
|---|---|---|---|---|
| Medical Expenses including transportation and evacuation | $50,000 | $100,000 | $250,000 | $500,000 |
| Dental Care Expenses Deductible: $50 |
$500 | $500 | $500 | $500 |
| Personal Accident | $15,000 | $20,000 | $25,000 | $30,000 |
| AD & D - Common Carrier | $2,500 | $2,500 | $5,000 | $5,000 |
| Daily Allowance in case of Hospitalization Deductible: 2 days |
- | $25 per day (5 days max) |
$25 per day (6 days max) |
$25 per day (7 days max) |
| Compassionate Visit | Return Fare for any one accompanying person - spouse / child / family doctor | Return Fare for any one accompanying person - spouse / child / family doctor | Return Fare for any one accompanying person - spouse / child / family doctor | Return Fare for any one accompanying person - spouse / child / family doctor |
| Loss of Passport Deductible: $25 |
$300 | $300 | $300 | $300 |
| Total Loss of Checked Baggage Per baggage max 50% and per item in baggage max 10% |
$500 | $1,000 | $1,200 | $1,500 |
| Delay of Checked Baggage Deductible: 12 hours |
$100 | $100 | $100 | $100 |
| Trip Delay Deductible: 12 hours |
- | $25 per day (6 days max) |
$50 per day (6 days max) |
$60 per day (6 days max) |
| Trip Cancellation & Interruption | - | $600 | $600 | $600 |
| Missed Connection | - | $200 | $300 | $500 |
| Financial Emergency Assistance | - | $300 | $300 | $300 |
| Personal Liability | $50,000 | $100,000 | $200,000 | $250,000 |
| Hijack Distress Allowance Deductible: 12 hours |
- | $50 per day (7 days max) |
$75 per day (7 days max) |
$125 per day (7 days max) |
| Home Burglary Insurance Amount in Indian Rs |
- | 1,00,000 | 2,00,000 | 3,00,000 |
| Special Conditions Applicable only for 61-70 years | ||||
| Any One Illness | $12,000 | $13,500 | $15,000 | $17,500 |
| Any One Accident | $20,000 | $25,000 | $30,000 | $35,000 |
| Coverage in US Dollars | Family Standard | Family Gold | Deductibles |
|---|---|---|---|
| Medical Expenses including transportation and evacuation | $50,000 | $100,000 | $50 |
| Dental Care Expenses | $500 | $500 | $50 |
| Personal Accident | $15,000 | $25,000 | Nil |
| AD & D - Common Carrier | $2,500 | $2,500 | Nil |
| Daily Allowance in case of Hospitalization | $25 per day (5 days max) |
$25 per day (7 days max) |
2 days |
| Compassionate Visit | Return Fare for any one accompanying person - spouse / child / family doctor | Return Fare for any one accompanying person - spouse / child / family doctor | - |
| Loss of Passport | $300 | $300 | $25 |
| Total Loss of Checked Baggage Per baggage max 50% and per item in baggage max 10% |
$500 | $1,000 | Nil |
| Delay of Checked Baggage | $100 | $100 | 12 hours |
| Trip Delay | $25 per day (5 days max) |
$50 per day (7 days max) |
12 hours |
| Trip Cancellation & Interruption | $500 | $600 | Nil |
| Missed Connection | - | $300 | Nil |
| Financial Emergency Assistance | $500 | $600 | Nil |
| Personal Liability | $100,000 | $100,000 | Nil |
| Hijack Distress Allowance | $50 per day (7 days max) |
$75 per day (7 days max) |
12 hours |
| Home Burglary Insurance Amount in Indian Rs |
1,00,000 | 2,00,000 | - |
IndusInd Senior citizen travel insurance
- Senior Citizen- 71-80 yrs - $15,000, $50,000 with sublimit and $50,000 without sublimit plan.
- Senior Citizen- 81-90 yrs - $50,000 coverage.
How to buy IndusInd overseas travel insurance
Buy using credit/debit cardInsurance customers can use a credit or debit card to purchase IndusInd Overseas travel medical insurance policy. The credit/debit card purchase service online allows the customers to punch their card and quickly purchase IndusInd overseas travel health insurance policy. After the completion of online transaction, customers will receive an email furnished with all the transaction details. Credit card and Debit card transaction can be done at any point of time when the customers wish to make a purchase.
Buy using a cheque
IndusInd overseas travel medical insurance can be purchased online using your cheque. The cheque payment facility available for IndusInd travel health insurance can be used by those customers who do not use their credit or debit card. The policy will be issued, emailed and couriered after receiving the payment for IndusInd travel medical insurance plan.
Payment options
- Cash Cards - ItZ cash,Pay Cash
- Mobile Payments - Paymate, IMPS, Scan N Pay
- Wallet - Paytm, Mobikwik, Oxigen wallet, Freecharge, Jio Money etc ...
- UPI - Unified Payment Interface
Secure Your Travels - with IndusInd Travel Insurance
Ensure peace of mind during your trip with IndusInd Travel Insurance, offering comprehensive coverage for medical emergencies, trip delays, baggage loss, and more.
Travel Destinations
Discover Popular Travel Destinations with IndusInd Travel Insurance
IndusInd Citation
Mr. Arvind Naaz, Chief Marketing Officer - RGICL (IndusInd General Insurance Co. Ltd) says NRIOL being a key partner has helped provide a quick, convenient & efficient service through portal to IndusInd General Insurance customers.
Why Is Travel Insurance Important for International Trips?
health_and_safety Why You Need Travel Insurance?
- Medical emergencies and hospitalization
- Accidents and sickness
- Loss or delay of baggage
- Passport loss
When you buy IndusInd travel insurance, you are financially secure against these unexpected events and can access multilingual assistance worldwide.
star_rate Key Benefits of Travel Insurance
- Covers emergency medical expenses overseas
- Covers pre-existing medical conditions under life-threatening situations
- Worldwide coverage with high service reliability
- Affordable premiums offering best value
- Plans without sub-limits available up to 90+ years
- Coverage ranges from $15,000 to $1,000,000
IndusInd Travel Health Insurance - FAQs
IndusInd insurance travel offers coverage for children aged above 6 months up to the age of 80 years. For travelers over 80 years, IndusInd requests medical checkup before issuing the policy.
Yes, the applicants must buy IndusInd Travel Care policy online before leaving India. If you are outside India, it will require special approval from the underwriting team for you to buy travel insurance.
Yes, IndusInd insurance travel does provide cashless settlement worldwide provided the policy holder stays for a minimum of 24 hours in the hospital. For less than 24 hour hospitalization the medical expenses will be paid for on an reimbursement basis.
Planned hospitalization:
- Call the relevant number specified in the policy and intimate the company or assistance service provider about the planned hospitalization.
- The policy holder needs to furnish the required details and documents which the assistance service provider has asked for.
- On receipt of the details the assistance service provider will go through the case. They might approve or decline the claim.
- If the claim is approved then the assistance service provider will provide guarantee of payment to the hospital where the policy holder has planned to take the treatment.
- This claim will be cashless after deductible as per policy terms and conditions.
- Call the relevant number specified in the policy and intimate the company or assistance service provider as early as possible.
- The policy holder needs to furnish the required details and documents which the assistance service provider has asked for.
- On receipt of the details the assistance service provider will go through the case. They might approve or decline the claim.
- If the claim is approved then the assistance service provider will provide guarantee of payment to the hospital where the policy holder is taking treatment.
- This claim will be cashless after deductible as per policy terms and conditions.
- Call the relevant number specified in the policy and intimate the company or assistance service provider either before visiting the doctor or immediately after visiting the doctor.
- Pay from your pocket and claim for reimbursement later.
- Register your claim.
- As per the guidance of the claims department, submit all the relevant documents and medical bills to the specified address.
- Verification and authentication of the submitted bills.
- If your claim is approved, after deductible the eligible claim amount equivalent in Indian currency is reimbursed to the policy holder.
- Any claims before the insurance start date and after the insurance end date are not payable.
- Any pre-existing condition unless it is life-saving emergency condition.
- Traveling abroad only to take medical treatment or traveling against the advice of the physician.
- Policy holder taking part in a naval, military or air force operation.
- Any claim caused intentionally or by committing a crime or as a result of drunkenness or addiction (drugs, alcohol).
- Any claim arising out of mental disorder, anxiety, stress, depression, HIV / AIDS
- Any claim arising out of sporting activities.
- Any act of terrorism, war and more.
IndusInd travel health insurance can be purchased initially for 182 days and later can be renewed for another 182 days provided good health, no claim declaration and approval from the IndusInd head office.
IndusInd international travel insurance is one of the more popular Indian overseas travel insurance policies among Indians. It is a top rated Indian travel insurance company that has been offering International travel services to Indians. It offers Global medical insurance coverage for emergency medical expenses arising from sickness or injuries from accidents while outside India. Travelers can enjoy the cashless hospitalization benefit and IndusInd insurance has good claims settlement ratio.
After buying the IndusInd overseas travel insurance policy online, an email of the policy document will be emailed to the email ID provided in the application. Travelers can use this IndusInd travel health insurance document and take a printout of the same which has all the relevant details and is very useful document while abroad and if you need to use the travel insurance.
You can renew the IndusInd policy online. Fill the relevant details of the current existing policy and claims information (if any)and submit the form online. Our insurance advisors will then try to get approval based on the filled details. The policy holder will be updated on the approval or rejection of the renewal request as early as possible (maximum 1 working day). if approved the policy holder will be sent a buy url where he / she can pay online and renew his policy.
Yes you can extend your travel insurance while being abroad. Fill the IndusInd insurance policy renewal form so that our insurance advisors will help you to renew your policy.
Routine pregnancy care and childbirth are treated as pre-existing/expected conditions and are not covered under standard IndusInd travel insurance plans. Sudden, unexpected pregnancy-related medical emergencies during the covered trip may be considered under the policy's general emergency-treatment terms, subject to the plan's pre-existing condition clause. Always confirm trimester-specific exclusions with our advisors before booking travel while pregnant.
A sudden, acute condition such as a kidney stone attack that requires emergency treatment while you're abroad is generally treated as an emergency medical expense and considered for coverage, even if you weren't previously diagnosed. If the condition is a known pre-existing diagnosis, it falls under the policy's pre-existing condition clause and is covered only if it becomes life-threatening during the trip. As with any claim, treatment should be reported to the assistance company as early as possible to keep the cashless-settlement option open.
Yes. IndusInd-branded overseas travel insurance policies sold through NRIOL are underwritten by Reliance General Insurance Company Limited. IndusInd is the distribution/co-branding partner; the policy, claims processing, and underwriting sit with Reliance General Insurance. If you've compared quotes under either name, you're looking at the same underlying policy same coverage limits, same claims process.
This is why you may see this plan referred to as "IndusInd Travel Care" in some places and "Reliance travel insurance" in others both refer to the same product.
The IndusInd Platinum Plan provides emergency medical expense coverage up to $500,000, including transportation and evacuation, starting from ₹58/day for a 30-day Asia trip. It's the highest coverage tier available on this page and is recommended for travel to the USA, Canada, and other high-medical-cost destinations.
IndusInd Silver, Gold, Platinum, and Family Gold plans all include home burglary insurance - covering your residence in India against burglary while you're overseas - with sums insured of ₹1,00,000 (Silver/Family Standard), ₹2,00,000 (Gold/Family Gold), and ₹3,00,000 (Platinum). The entry-level Standard plan does not include this benefit.
Traveling during flu/respiratory illness season? See our dedicated COVID-19 travel insurance coverage details for what's included and excluded under IndusInd plans.
The IndusInd Standard Plan starts at ₹23/day* for the page’s example of a 25-year-old travelling to Singapore for 180 days. It provides $50,000 medical coverage and $500 baggage-loss coverage, but trip cancellation is not included. Your actual premium can change with age, destination and trip duration.
The IndusInd Platinum Plan provides $500,000 medical coverage, the highest limit among the four individual plans displayed on this page. Its advertised starting premium is ₹58/day, based on the page’s Singapore pricing example, not a USA quote. Your USA premium must therefore be verified through a personalised quote.
Do not choose solely by converting the Standard Plan’s $50,000 medical limit. The page states that IndusInd’s dedicated Schengen Travel Insurance meets the mandatory €30,000 visa requirement. Because visa rules and policy eligibility can matter beyond the headline sum insured, verify that your selected policy and certificate satisfy the requirements for your Schengen application.
The page lists pre-existing-condition benefits of up to $250,000 for Gold and $500,000 for Platinum, subject to terms and conditions. Their overall medical limits are also $250,000 and $500,000 respectively, with advertised starting premiums of ₹34/day and ₹58/day. Verify your specific condition, exclusions and eligibility before purchasing.
No, based on the comparison shown on this page: Silver, Gold and Platinum each list $600 of trip cancellation coverage, while Standard lists none. Platinum’s higher starting premium primarily corresponds with a higher $500,000 medical limit and other plan differences, so check whether the $600 cancellation limit is adequate for your prepaid trip costs.
Yes, $50,000 senior travel insurance plan without medical expense sub-limits for travellers aged 71-80. A 75-year-old may be eligible, subject to the insurer's requirements and destination-specific conditions. Confirm the premium, exclusions and policy terms before purchasing.
Yes, you can request IndusInd travel insurance after leaving India by submitting the traveller-outside-India form. Approval is subject to the insurer's underwriting review, and coverage begins only on the approved policy start date, not retrospectively.
IndusInd travel insurance may cover declared, eligible pre-existing conditions for travellers up to age 70 only in qualifying life-threatening emergencies, subject to policy terms and exclusions. For travellers above 70, the page states that pre-existing disease coverage is unavailable. Routine treatment is not automatically covered.