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What is Travel Insurance?
Travel insurance safeguards travellers against financial losses that could happen during the journey. There’s a possibility for something to go horribly wrong. A passport could be stolen, luggage might be lost or misplaced, and a delay could lead to a missed transit flight. Dealing with any of these problems is demanding not only emotionally and physically, but also financially. Travel Insurance is a type of insurance that covers different risks while travelling.
We provide Travel Insurance of HDFC Ergo and Tata AIG
- How is COVID-19 Covered
- Accident & Sickness Medical Expense Under the Accident & Sickness Medical Expense, Travel insurance with COVID-19 covered compensates for the medical expenses incurred by the insured because of being diagnosed with COVID-19 outside the Republic of India during the trip duration & is hospitalized. The policy provides coverage against Medical expenses upto the limit mentioned in the policy schedule.
- Trip Cancellation Compensation benefit under Trip Cancellation is offered if the insured, the insured’s Travel Companion or The Immediate family of the insured or the Insured’s Travel Companion are diagnosed with COVID-19 before commencing his/her international trip. We will reimburse you the unused and non-refundable amount of your prior bookings, such as hotel booking, ticket’s cost .You would be eligible for these benefits only if you booked and paid for such services before being diagnosed with COVID-19.
- Trip Curtailment/Interruption Benefits If you are travelling with Travel insurance with COVID-19 covered and you, your Travel Companion, your immediate family or your Travel companion’s immediate family are diagnosed with COVID-19 during your trip, as a result of which, your trip has to be cut short, we will reimburse the trip interruption expenses. These expenses will be inclusive of the pre-paid and unused portion of travel and accommodation expenses, which are non-refundable; additional accommodation and travel expenses incurred due to trip interruption, subject to the sum insured limit.
- Automatic extension The travel insurance policy is automatically extended for a period of 7 days if a lockdown is imposed in the destination country and no alternative mode of transport is available. Subject to Terms & conditions.
- Baggage Covers
Landing up somewhere without your personal belongings can be a harrowing experience. We make it easier to manage with these covers:- Delayed Baggage Almost everybody has a story about a time when they travelled and their luggage was accidentally sent elsewhere or unnecessarily delayed. If this happens and you have our travel insurance policy, you can rest easy. Your travel insurance plan will help cover the cost of any necessary personal items that you need to purchase until your bag can reach you.
- Lost Baggage Having your baggage delayed is one thing, but if your bag is lost or stolen, managing the situation can be incredibly difficult. Luckily, our travel insurance policy can help you deal with this issue. Depending on the travel insurance policy terms, we will help reimburse you for the items in your luggage.
- Journey Covers
A delayed or cancelled flight could wreak havoc on your itinerary. We cannot make up for lost time, but these covers will help you deal with the financial loss.- Lost Passport Obtaining a new passport in a foreign country isn’t always easy. Your international travel insurance policy will help you with the necessary and reasonable expenses that are attached to getting a new passport made.
- Assistance While Travelling If things go a bit wrong when you’re out of the city, you may need some assistance. Our travel insurance plan will help provide you with all necessary assistance required, right from legal help to getting lost luggage and passports replaced. Our travel policy will even help with emergency travel services, cash transfers and advances.
- Personal Liability Accidents can happen at any time under any circumstance. If you happen to be involved in an accident where somebody else is harmed or injured, it could cost you quite dearly. Our travel insurance policy will help cover any damage caused to any third-party individual or property while you’re travelling. It’s important to remember that the travel policy will not cover your family members or individuals who live with you.
- Hijack Help Our travel insurance policy will offer something known as distress allowance in case the flight that you’re travelling on is hijacked.
- Delayed Flights Bad weather or a local strike could delay your flight by more than 12 hours. If this is the case, you might have to book another night’s stay at a hotel or incur some other additional expenses. Our travel insurance policy will help you take care of these expenses if your flight happens to be delayed.
- Policy Extension Your travel insurance policy term often depends on the length of your trip. But, there are certain situations in which your flight may be cancelled or delayed for several days. We will automatically extend the term of cover of our travel insurance policy for seven days in case your flight is cancelled or delayed and you don’t have any other travel options available.
- Trip Curtailment or Cancellation In case there’s an emergency and you have to travel back or cancel your entire trip, don’t worry. Our travel insurance plan will reimburse you for any unused, non-refundable hotel and travel expenses.
- Medical Covers
We can’t think of anything worse than having to get emergency medical treatment while you’re on holiday. Luckily, our travel insurance plans come with a medical cover for international travel as a result they are also known as Travel Medical Insurance due to the extensive medical coverage provided by them, Including protection for COVID-19*.- Medical Emergencies Your travel insurance policy will help you deal with the financial implications that come with meeting with an accident or falling ill while you’re travelling. The policy will cover everything right from a regular illness that requires hospitalisation to dental emergencies and even fatalities. If you happen to fall ill or meet with an accident at the tail-end of your journey, you don’t have to worry. If you’re in hospital and your policy expires, we will continue to cover you for the next 60 days or until you are discharged, whichever is earlier.
- Medical Evacuation Your travel insurance policy is your friend in times of need. If you require emergency medical evacuation to the nearest hospital, this policy will take care of that. In case you need to be evacuated and brought back to India for medical treatment, the travel insurance policy will look after that as well.
- Accidental Death and Repatriation We don’t want to think about it, but it’s possible that an accident or medical emergency abroad could end up being fatal. TATA AIG’s travel insurance policy will provide your nominee with the full sum insured amount if this happens. We will also take care of the cost of repatriating the insured individual’s remains back to their city of residence.
- Compassionate Visit If you need somebody to help you out when you’re in hospital, we’ll provide a two-way ticket for a family member to come and take care of you.
- Interruption of Study If you’ve purchased a student travel insurance policy, this is especially for you. If have to interrupt your education because you or a family member are ill, we’ll reimburse you any unused tuition fee.
- Covers Emergency Medical Assistance
Met with an unexpected medical emergency, in a foreign territory? Travel insurance, with its emergency medical benefits, is just the friend you need during such a toughtime. Our 1,00,000+ cashless hospitals are there to take care of you. - Covers Travel Related Inconveniences
Flight delays. Loss of baggage. Financial emergency. These things can be quite unsettling. But with travel insurance backing you up, you can keep calm and carry on. - Covers Baggage-Related Hassles
Buy #SafetyKaTicket for your travel. Whenever you’re travelling abroad all baggage carries all your essentials, and we cover you against baggage loss and baggage delay for checked-in baggage. - Affordable Travel Security
Secure your international trips without breaking the bank. With affordable premiums for every kind of budget, the benefits of travel insurance far outweigh the costs. - Round-the-clock Assistance
Time zones don’t get in the way of a good travel insurance plan. No matter what time it is in your part of the world, dependable assistance is just a call away. Thanks to our in-house claim settlement & customer support mechanism. - 1 Lac+ Cashless Hospitals
There are a million things you can take on your trips; worry shouldn’t be one of them. Our 1 Lac+ cashless hospitals networked worldwide will make sure your medical expenses are covered.
- Medical Coverage
- Emergency Medical Expenses
- Emergency Dental Expenses
- Emergency Medical Evacuation
- Hospital Daily Cash Allowance
- Medical & Body Repatriation
- Accidental Death
- Journey-Related Coverage
- Personal Liability
- Financial Emergency Assistance
- Hijack Distress Allowance
- Flight Delay
- Hotel Accommodations
- Baggage-Related Coverage
- Loss Of Baggage & Personal Documents
- Loss Of Checked-In Baggage
- Delay Of Checked-In Baggage
- Breach Of Law – Sickness or health issues caused due to war or a breach of the law is not covered by the plan.
- Consumption Of Intoxicant Substances – If you consume any intoxicants or banned substances, the policy shall not entertain any claims.
- Pre Existing Diseases – If you suffer from any illness before the travel you’ve insured and if you undergo any treatment for an illness that already exists, the policy does not cover expenses related to these incidents.
- Cosmetic And Obesity Treatment – Should you or any member of your family opt to undergo any cosmetic or obesity treatment during the course of the travel you’ve insured, such expenses remain uncovered.
- Self Inflicted Injury – Any hospitalization expenses or medical costs arising from self-inflicted injuries are not covered by the insurance plans we offer.
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