Learn about different types of travel insurance available in India

by General Insurance Insurance

Travel insurance is the last thing on the mind of the travelers. Most travelers in India have everything arranged for a successful trip except a travel cover. Most are under the impression that a travel plan is sheer waster of money as they wouldn't face any problem during their vacation. If you are one of those; young and brimming with confidence you may also look to for go travel insurance. But, how can you be sure everything will fall in place? Since, you cannot guarantee that; you are better off going for a travel insurance to protect yourself from unexpected circumstances.

Most popular categories of travel insurance

In India, you can choose from several different types of travel plans. However, different plans offer different coverages so you need to ascertain what coverage you need and pick a plan accordingly. Let's have a look at some most sought-after travel covers in India.

Domestic travel insurance

If you are planning to spend your holiday within the country this travel cover could be ideal for you. Any Indian citizen between 6 months and 65 years is eligible for this this travel cover. Moreover, NRIs that look to travel to India are also entitled to avail this travel plan.

If you opt for domestic travel insurance you will be covered against personal liability, medical emergencies, travel cancellation or delay, permanent disability and death and checked-in stolen or lost baggage.

International travel cover

In case you fancy a vacation abroad you should grab an international travel cover to enjoy extended coverage. Apart from all coverages available in a domestic plan you can further enjoy protection against loss of passport or other document, medical expenses in foreign countries which is very expensive. Your International travel cover will also safeguard you for unexpected situations like hijack, evacuation or repatriation to India.

Being an Indian citizen you are naturally qualified for an International travel insurance. However, if you are on the wrong side of 50 you might have to undergo medical examination to avail such a policy.

Corporate travel plans

Aside from leisure trips, you may have to travel within or outside the country for business purpose. In that case, your best bet is a corporate plan. A corporate travel plan will work as a safeguard against various untoward events like loss or theft of your own belongings, delayed or cancelled flight. Furthermore, corporate travel insurance also offers coverage if you curtail or cancel your business trip.

Travel covers for student

Students that are willing to study in an eminent university abroad should possess this type of travel plan that comes with personal liability cover. Travel insurance policy for students offers protection against loss or theft of personal belongings of students such as laptop or mobile. Aside from issues related to residence and food in foreign countries, students also find it very difficult to manage an emergency situation without a travel insurance. Furthermore, cost of treatment in foreign country is lot higher than India. Student travel plans provide coverage for medical costs as well.

Senior citizen travel plans

If you are on the wrong side of 60, this travel cover will help you have a worry-free vacation. By obtaining this travel policy you can enjoy all the usual benefits available under all travel plans. In addition to that, you can also get coverage for cashless hospitalization and dental treatments.

Aside from these major travel plans, individual and family travel policies are also available. Finally, your needs and affordability will play the pivotal role in selecting the right travel insurance policy in India.