IndusInd Family Travel Insurance for Indians
IndusInd family travel insurance helps eligible Indian families compare coverage options for international trips. Explore available medical coverage, hospitalization benefits, baggage protection and eligible trip-related benefits to find a plan that suits your family's destination, travel duration and budget. Compare plan limits, premiums, age eligibility and exclusions before buying, and confirm whether all family members can be covered under the same policy. Compare IndusInd travel insurance plans and get an online quote for your family's overseas trip.
Family Travel Insurance Cost Calculator - Now at 0% GST
What Is IndusInd Family Travel Insurance?
IndusInd Family Travel Insurance provides eligible Indian families travelling abroad with coverage for overseas medical emergencies and selected travel-related losses, such as baggage loss and trip disruptions, depending on the plan. Coverage, family eligibility, limits and exclusions are subject to the policy terms and conditions.
Who Can Buy International Family Travel Insurance?
Family Travel Insurance is designed for Indian families travelling abroad together. Eligible families can include members aged 6 months to 60 years, subject to the policy terms and conditions.
It may be suitable for:
- Parents travelling with children
- Spouses travelling together
- Families visiting relatives overseas
- Families travelling to the USA, Canada, UK or Europe
- Families planning short or extended international trips
- Families travelling with young children within the eligible age range
IndusInd Family Travel Insurance for Indian Travellers
Traveling abroad with your dear and near ones might be a dream of every person traveling overseas as it gives a lot of fun and an emotional attachment with the family members. It has been seen that when you are on a holiday with your family leaving behind all your busy offices schedules you will be in a different world of excitement and it gives you quality time to spend with your family so that you get very near to them. These joyous time is also involved with a lot of risks which you might have thought of. These risks whether related to medical reasons or non-medical reasons are taken care by the IndusInd family travel insurance india. IndusInd travel insurance family plan covers you and your family for unforeseen medical emergency or even non-medical adverse situations.
How IndusInd Family Floater Travel Insurance Works?
IndusInd Family Floater Travel Insurance allows eligible family members travelling together to be covered under a single family policy. Instead of purchasing separate policies for each traveler, the family can share the applicable coverage according to the plan terms and benefit limits.
The premium and eligibility depend on factors such as the travelers’ ages, trip duration, destination and selected coverage. Before purchasing, check the family eligibility criteria, coverage limits, exclusions and deductibles applicable to each member.
What Are the Key Features of IndusInd Family Travel Insurance?
IndusInd Family Travel Insurance is designed to provide financial protection to eligible family members travelling abroad under a family floater policy. Key features include:
- Family floater coverage: Eligible family members can be covered under a single travel insurance policy.
- Medical emergency protection: Covers eligible medical expenses arising from illness or accidental injury during the trip, subject to policy limits.
- Hospitalization coverage: Helps cover eligible hospitalization expenses incurred overseas during a covered medical emergency.
- Baggage protection: May cover checked-in baggage loss or delay, as specified in the policy.
- Travel-related benefits: Depending on the selected plan, benefits may cover certain travel inconveniences, such as trip delays or interruptions.
- Emergency assistance: Provides travel assistance services during covered emergencies while travelling abroad.
- Coverage for multiple family members: One policy can cover eligible family members instead of arranging separate policies for each traveler.
- Different coverage options: Families can choose a suitable plan and coverage limit based on their destination, trip duration and insurance needs.
- Worldwide travel protection: Provides protection for eligible international trips, subject to geographical coverage and policy conditions.
What Does Family Travel Medical Insurance Cover?
IndusInd Family Travel Insurance can provide financial protection against eligible medical emergencies and certain unexpected travel-related expenses during an international trip. Depending on the policy selected, benefits may include:
- Emergency medical expenses: For covered illness or injury
- Hospitalization expenses: Subject to policy limits and terms
- Emergency medical evacuation: When medically necessary and covered
- Baggage loss or delay: According to applicable benefit limits
- Trip cancellation or interruption: For covered reasons, where included
- Emergency assistance services: Available during the insured journey
What Is Not Covered by IndusInd Family Travel Insurance?
IndusInd Family Travel Insurance does not cover every loss, illness, injury, or travel-related expense. Coverage is subject to the policy terms, conditions, exclusions, deductibles, and applicable coverage limits. Common exclusions may include:
- Pre-existing medical conditions: Treatment related to pre-existing illnesses may not be covered unless specifically included under the policy.
- Self-inflicted injuries: Claims arising from intentional self-harm or suicide attempts may be excluded.
- Alcohol or drug-related incidents: Losses or medical expenses arising from intoxication or the use of prohibited drugs may not be covered.
- Adventure and hazardous activities: Certain high-risk sports or activities may be excluded unless specifically covered by the policy.
- Unattended baggage: Loss or theft of baggage left unattended may not qualify for reimbursement.
- Travel against medical advice: Claims related to travelling despite medical advice not to travel may be excluded.
- Illegal activities: Losses resulting from participation in unlawful activities may not be covered.
- Policy limit or deductible: Expenses above the applicable coverage limit or within the deductible may not be payable.
What Are the Details of Family Travel Insurance Plans?
Travel insurance for the entire family is also called as Family Floater. It covers the entire family for the sum assured during the course of travel and only one premium has to be paid for such a policy. It provides a comprehensive coverage for the entire family at one premium. Family floater travel insurance is very economical and it safeguards the interests of the entire family during the course of travel. It is favourable too for parents below 60 years of age visiting abroad to their loved ones. Basically, the policy offered by providers covers all family members from the age of 6 months to 60 years of age. If the member of the family is above 60 years, individual policy needs to be bought for that member.
| Coverage 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) |
12 hours |
| 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 |
Which Family International Travel Insurance Plan Should You Choose?
| Feature | Family Floater | Individual Policy |
|---|---|---|
| Coverage | Shared coverage among eligible family members | Separate coverage for each traveler |
| Premium | One family premium | Separate premium for each traveler |
| Children | Can be included if eligible | Separate policy may be required |
| Older Parents | May require individual coverage based on eligibility | Individual policy available, subject to eligibility |
| Best Suited For | Families traveling together | Travelers with different coverage needs |
Secure Your Family Travels - with IndusInd Travel Insurance
Ensure peace of mind during your Family trip with IndusInd Travel Insurance, offering comprehensive coverage for medical emergencies, trip delays, baggage loss, and more.
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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.
Are Pre-Existing Conditions Covered Under IndusInd Family Travel Insurance?
Pre-existing conditions may not be covered automatically under IndusInd Family Travel Insurance. Coverage depends on the specific policy terms, medical condition, exclusions, age eligibility and applicable benefit limits. Before purchasing, family members with diabetes, hypertension, heart disease or other existing medical conditions should review the policy wording to understand what is covered and excluded.
If a family member has a pre-existing condition, disclose the relevant medical information accurately when applying and check whether the selected plan provides any applicable coverage for that condition or an acute onset of it.
Does IndusInd Family Travel Insurance Meet Schengen Visa Requirements?
IndusInd Family Travel Insurance may meet Schengen visa requirements if the selected policy satisfies the applicable visa insurance criteria, including at least €30,000 in emergency medical coverage, coverage for emergency repatriation, validity throughout the Schengen Area and coverage for the entire planned stay.
Before purchasing, verify the policy certificate, geographical coverage, policy dates and benefits for every insured family member. Include the insurance certificate with your visa application documents.
How to Buy IndusInd Family Travel Insurance Online?
Indian families can purchase IndusInd Family Travel Insurance online by comparing the available plans and selecting coverage that suits their destination, trip duration, and family members. The general process is:
- Enter trip details: Provide the destination, travel dates, and details of the family members travelling.
- Compare plans: Review the available coverage limits, medical benefits, travel-related benefits, exclusions, and premium.
- Provide traveller details: Enter the required personal and travel information for each eligible family member.
- Choose the coverage: Select the plan and coverage limit that meets your family's travel requirements.
- Make the payment: Pay the applicable premium online using the available payment options.
- Receive the policy: After successful purchase, review the policy document and keep a copy accessible during the trip.
How to File an IndusInd Family Travel Insurance Claim?
If a covered medical emergency or other insured travel-related event occurs during the trip, notify the insurer or its designated assistance service as soon as possible. Follow the claim procedure specified in the policy and provide the required documents.
The general claim process may include:
- Notify the insurer: Contact the insurer or assistance service promptly after the covered event.
- Submit the claim: Complete the required claim form and provide the relevant policy details.
- Provide supporting documents: Depending on the claim, documents may include medical reports, hospital bills, prescriptions, police reports, baggage documents, travel tickets, or other relevant records.
- Claim assessment: The insurer reviews the claim and supporting documents against the policy terms, exclusions, and applicable coverage limits.
- Claim settlement: If the claim is approved, the eligible amount is settled according to the policy conditions.
IndusInd Family Travel Health Insurance - FAQs
IndusInd Family Travel Insurance may meet Schengen visa insurance requirements if the selected policy provides the required medical coverage and is valid throughout the Schengen Area for the required travel period. Before applying, check the policy certificate, coverage limit, geographical validity and other current Schengen visa requirements.
Eligible family members such as the policyholder, spouse, and dependent children can be covered under the family floater plan, subject to the insurer's applicable age and eligibility conditions. Check the policy details to confirm which family members qualify before purchasing.
Eligible parents and dependent children may be covered under one family travel insurance policy, subject to the applicable age limits and plan conditions. If a family member does not meet the eligibility criteria, an individual travel insurance policy may be more suitable.
Coverage for pre-existing diseases depends on the specific policy terms and exclusions. Travelers should disclose relevant medical conditions when purchasing the policy and review the policy wording to understand whether any pre-existing condition or related treatment is covered.
IndusInd Family Travel Insurance can provide eligible coverage for families travelling to the USA, subject to the selected plan, geographical coverage, policy limits, and exclusions. Because healthcare costs in the USA can be high, families should select an adequate medical coverage limit for their trip.
IndusInd family floater travel insurance may not be available for parents above the applicable age limit. Eligibility depends on the plan's maximum entry age and other policy conditions. Parents aged 60 or above may need to consider an individual travel insurance plan that specifically accepts their age group.
IndusInd travel insurance provides overseas medical and travel-related benefits for eligible Indian travelers. Depending on the selected plan, coverage can include emergency medical expenses, cashless hospitalization, baggage-related benefits, trip-related benefits, and other assistance services. Compare the coverage limits, exclusions, deductibles, age eligibility, and policy conditions before choosing a plan.
For travel to the USA, choose an IndusInd overseas travel insurance plan based on your age, trip duration, medical needs, and required maximum coverage. Available coverage options may include Standard ($50,000), Silver ($100,000), Gold ($250,000), and Platinum ($500,000), subject to plan availability and eligibility. Travelers should also check the policy's pre-existing condition coverage, exclusions, deductible, and maximum age before purchasing.
The best travel insurance depends on your destination, age, trip duration, medical requirements, coverage amount, and budget. When comparing IndusInd travel insurance with other international travel insurance plans, consider medical coverage, pre-existing condition provisions, emergency evacuation, baggage benefits, exclusions, deductibles, claims support, and policy limits.
You can request renewal or extension of your IndusInd travel insurance policy online. Complete the IndusInd travel insurance renewal and extension form with your existing policy details and claims information, if applicable. The request will be reviewed based on the policy terms and eligibility. If approved, you can complete the renewal or extension payment online.
Yes, you can request an extension of your IndusInd travel insurance while you are abroad, subject to the policy terms, eligibility, and insurer approval. Complete the IndusInd travel insurance renewal and extension form with your existing policy details. The insurance advisors will review the request and guide you through the next steps.