Tips to choose the best Indian travel insurance policy

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Travelling abroad requires good travel insurance coverage. This is true for all travellers but the challenge is to choose the best travel insurance in India coverage? There are insurance plans available with different types of coverage for Indian travellers going abroad for a short stay overseas. Though you may not actually use the travel insurance policy every time it is unwise to travel to a foreign country uninsured.

Travel insurance coverage can provide cashless hospitalization and if required take care of eventualities like evacuation and repatriation of remains. It is important for travellers to know their requirements with overseas travel insurance and then choose the best plan after comparing free quotes online. Below are few faqs that can help you get answers for your own doubts on Indian travel insurance policies.

Which country am I visiting?
The country you are visiting can be one of the criteria for changes in the premium cost of the policies. The countries where health care costs are expensive, it is natural that your insurer will charge a higher premium. Countries like the US and Canada where the health care is expensive, the premium costs are higher when compared to Asian countries.

How long am I staying abroad?
The duration of the stay is another important factor which can make the premium cheaper or costlier. Longer the duration of stay the higher will be the premium cost of overseas travel insurance coverage. There are single trip insurance plans for those who would return after a short time and do not go back again. There are other people who would do multiple overseas trips during a year and they can buy Annual Multi trip travel insurance plans.

How does one calculate the insurance premium?
Following are the few important points that can determine in selecting coverage while doing premium calculation.

• Maximum Sum Insured: Higher the sum assured, the costlier is the premium.
• Type of coverage: There is single trip, multi trip, student travel, senior citizen travel insurance plans.
• Coverage: The medical benefits offered under the policy and special add on coverage can change the premium costs.
• Travel destination: Which country you are visiting and the duration of stay.
• Age and Health: The other important factor while calculating premium is the age and health of the traveller. Those who need coverage for pre-existing conditions must know that there are not many insurers to cover you.

How can one compare free quotes?
Before buying travel insurance policy make sure you have compared free quotes online. At Eindiainsurance, get free quotes using Compare travel insurance facility and evaluate the coverage details and premium cost. Select a plan and buy Indian travel insurance using credit/debit card or cheque payment facility before leaving the home country.

Posted in Travel Insurance
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