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Best international travel medical insurance for Indians

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Reliance Travel Insurance

What is Travel Insurance?

Travel insurance is an insurance policy that provides financial protection for persons traveling abroad on Leisure or Business against various Medical and Non-medical risks while traveling abroad or within India. These exigencies can can include Medical Expenses following an Accident or Sickness or Non-medical risks like Baggage Loss/Delay, Passport Loss, Trip Cancellation/Interruption, Personal Liability, Flight Delay etc. Travel Insurance provides financial protection against these unexpected risks.

Travel Insurance: Key Features

  • People traveling aboard (or in India) have to pay a premium for the coverage required, the premium is dependant on the Age of the Customer, Duration of Travel, Destination and Sum Insured opted for.
  • For Medical Emergencies, Travel insurance provides both Cashless and Reimbursement of expenses incurred following an Accident or Sickness.
  • Non Medical Exigencies like Baggage Loss/Delay, Passport Loss, Flight Delay, Trip Cancellation cover expenses incurred directly on account of these risks.
  • Most insurance providers offer coverage for 180 days at a time with a cumulative duration not exceeding 365 of continuous coverage.
  • Typically insurance companies in India offer coverage between the ages of 3 months and going upto 90 years, some extending coverage even upto 100 years of age.
  • Sum Insureds for Accident and Sickness range from $25,000 upto $500,000 per trip. Some insurers have a plan offering $1,000,000 as well.
  • Insurance Providers offer Single Trip policies for persons traveling on Leisure and/or Business, and Annual Multi Trip policies for frequent travelers abroad.
  • Travel Insurance is mandatory for obtaining visas to visit some countries (e.g., Schengen countries in Europe)
  • The traveler is issued a Certificate of Insurance (COI) for the duration of travel, which captures the Coverage Benefits and Claims and Assistance Support information in case required.

Coverages under Travel Insurance Plans

Some benefits which are covered include:

1. Emergency Medical Expenses
Covers Hospitalization expenses following an Accident or Sickness of the insured while traveling.

2. Medical Evacuation and Repatriation of Remains :
These covers provide assistance for transporting the patient to a medical facility, from a location which is remote or where proper medical facilities are not available. Similarly Repatriation covers expenses for transporting mortal remains back to India or towards conducting final rites abroad.

3. Trip Cancellation/Interruption:
ANon-refundable portions of Air tickets, Hotel bookings, Land Packages, Transfers etc incurred by the customer are payable under this benefit, if travel is cancelled or interrupted due to covered reasons.

4. Baggage Loss or Delay :
Compensation paid if your baggage’s are delayed by the Common Carrier (Airline) or lost/stolen while in custody of the Airline.

5. Loss of Passport:
Covers expenses to obtain a temporary/duplicate Passport in case the original is lost/stolen/misplaced.

6. Personal Liability:
Covers Legal expenses if you unintentionally cause Injury or Bodily Damage or Property damage to a third party while traveling.

7. Hijack Distress Allowance:
Lump sum benefit in case of hijacking.

Best travel insurance in India

Travel insurance in India is currently offered by many competent insurance companies in India like Tata AIG, Bajaj Allianz, Reliance General, Care insurance Health, HDFC Ergo, Apollo Munich, Royal Sundaram, Future Generali etc. Almost all these companies have a dedicated vertical which takes care of managing the Overseas Travel insurance business. Their range of products also are comprehensive in terms of coverage benefits and their premiums are competitive. Another important component of Travel Insurance India is the Assistance Partner (TPA) who supports claims (both medical and non medical) across the world, since they are the first point of contact for the insured while they are abroad. Some of these companies have a global partner managing claims and assistance while some have developed in-house capabilities.

The traveller should keep in mind all aspects of their travel before finalising their overseas mediclaim insurance plan and insurance company. If they are travelling to USA, they should ideally choose an insurance partner with a good assistance partner in USA. They should choose an ideal sum insured plan (if travelling to UK/Europe they should opt for a minimum coverage of $250,000 given the healthcare costs in these regions) as well and opt for an insurance company which is reputed for settling claims on time.

It is not fair to state that any Indian international insurance plan is better or worse than another plan. What is important to note that each overseas travel insurance plan comes with a different set of benefits at varying sum insureds and it is important for the insured to compare the options available before making a decision. Based on their business volumes and the claims settling capabilities, the leading international travel insurance for Indians travelling abroad are below, Compare Indian international travel insurance online quotes :

Travel Insurance Plan Exclusions

Most of the common exclusions across insurance policies are as follows; please refer to the Terms & Conditions (T&Cs) or Policy Wordings of the Insurance provider:

  • Pre-existing Medical Conditions (unless Life Threatening in Nature) – most insurers have a sub limit for this cover.
  • Traveling against medical advice of your phyisician.
  • Drug related incidents or Self-inflicted injuries.
  • Injuries incurred while driving or riding vehicles abroad
  • Injuries from Professional or Adventure Sports (unless add-on cover is taken or specific approval provided by the insurance company).
  • Losses from War or Terrorism .

Reasons You Should Buy Travel Insurance

For International Travelers from India, Travel Insurance is still not high on their priority agenda. This is not an ideal scenario since unexpected risks befall travelers which are both Medical or Non-medical in nature and Travel Insurance offers financial protection against these unexpected risks…Some reasons to purchase Travel Insurance include:

1. Cost of Medical Treatment Abroad: Healthcare costs are exorbitant overseas especially in countries like USA/Canada, UK, Europe, Singapore, China, Australia etc and is increasing across other countries as well. Travel Insurance protects the traveler financially should they need any treatment while abroad.

2. Lost/Delayed Baggage Claims: Statistically Airlines delay or lose almost 10% of International Travelers baggages across all sectors in the world. Insurance provides basic financial protection if this happens.

3. Trip Cancellations/Interruptions: For travelers who have pre booked their holidays, a sudden medical emergency, or natural calamity occurring can disrupt their travel plans, and require them to cancel their trip, which will lead to financial loss. Travel Insurance protects some of this loss.

4. Legal Assistance for Personal Liability: Covers legal expenses due to accidental and unintentional liabilities for third part bodily injury or property damage.

5. Peace of Mind: Very importantly, Travel Insurance can assure the traveler that in case of any unexpected emergency, the policy can protect them to a large extent. Reduces stress while abroad in unfamiliar locations.

Travel Insurance Plans by Indian Insurance Companies

Some of the Leading and Popular insurers offering travel insurance in India include:

  • Tata AIG
  • HDFC ERGO
  • Bajaj Allianz
  • ICICI Lombard
  • Reliance General
  • Care Health (formerly Religare Health Insurance)
Each provider offers different benefits, premium rates, and optional add-ons like adventure sports, trip delay, or family floater plans.
Insurance Company Travel insurance offered across categories
Tata AIG General
Bajaj Allianz
Care Health Insurance
  • Explore Travel Plans - Worldwide Including & Excluding US & Canada
  • Explore Travel Plans - Asia, Africa, Europe and Canada
Reliance General
HDFC ERGO
Posted in Travel Insurance
Tagged by Best travel insurance India | Overseas travel insurance with good claims | travel insurance with global assistance

Requirements to Buy Travel Insurance

Some of the key information required to purchase Travel Insurance online include:

1. Destination - premium are dependant on the country being visited – most insurers have a plan specific for USA/Canada…if you are going to UK, you can buy a policy for that destination, rather than USA/Canada which is costlier.

2. Travel Dates - Recommended to purchase travel insurance for an additional day while leaving and returning given the time difference across times zones in the world. Most companies offer maximum coverage of 180 days in a single trip.

3. Valid travel documents - (air ticket, passport, visa) – Passport information will be required to be provided. Also keep your PAN Card handy for KYC verification.

4. Traveler’s Name, Age(DOB), and Contact - details including Email Id and Mobile number.

5. Declaration of any Pre-existing medical conditions - you must declare to ensure coverage in Life threatening situations.

Types of Travel Insurance Plans in India

There are many categories of travel insurance policies available in the India market, and one must choose the most relevant policy for their travels:

1. Individual Single Trip Travel Insurance: For Individual travelers, who probably travel abroad once or twice a year.
2. Multi-trip Insurance: Based on travel frequency, this plan is for frequent travelers abroad, who make 3-4 + trips per year.
3. Family Travel Insurance: Covers all family members under a single policy with a floating sum insured. Few insurers offer this.
4. Student Travel Insurance: For students going to studying abroad; includes Student specific coverages like Compassionate Visit (2 way), Sponsor Protection, Study Interruption etc.
5. Senior Citizen Travel Insurance: Customised for senior travelers over 60 years; includes pre-existing condition coverage, refer T&C's.
6. Domestic Travel Insurance: For trips within India.

What factors determine Travel Insurance Premiums?

Travel Insurance Premiums depend on the following factors:

  • Age of traveler(s) – all insurance companies offer age based trip band pricing
  • Trip Duration – premium also depends on the length of stay abroad
  • Destination Country – most companies have divided the world into two large geographies – USA/Canada and Rest of the World (RTW)…premium for RTW countries are cheaper
  • Sum Insured of Plan selected – most companies offer plan variants from $50,000 to $500,000 – premiums are dependant on the plan opted for
  • Pre-existing Medical Conditions – many plans today cover Pre Existing conditions in Life Threatening conditions…some also offer Additional Pre Ex cover at a cost
  • Add On Opted for – Some companies offer Add ons like Adventure Sports, Cruise Cover etc which come at an additional cost

How to Compare & Buy Travel Insurance online?

The steps to be followed to purchase travel insurance online are below:

  • Visit website of aggregator like https://www.eindiainsurance.com/ website.
  • Enter details like Travel Duration, Destination, Age/DOB of the Passenger and request for a quote
  • Website will display a Comparison table with multiple options…Compare plans and choose the optimum plan for your travel
  • Make a payment through the secured gateway and Policy document will be receive by mail immediately

    • If you have a little more time on your hands and want to do some more research:

  • Go through the coverage/benefit comparison table shared on the quote page
  • Compare Exclusions under the chosen plans, which is also important to know
  • Choose Add-ons like Adventure Sports, Pre Existing Disease Coverage which will have an impact on premium

Want to File a Travel Insurance Claim?

The proof of the pudding is in the eating…similarly the effectiveness of a Travel Insurance policy is in the insurance company’s ability to promptly settle claims. In Travel Insurance, there are two types of claims and the process for each type of claim is slightly different:

1. Cashless Claims for Hospitalisation – Accident & Sickness
  • Call the Assistance Company (TPA) abroad on the Toll Free/Toll Numbers available on the Policy Certificate of Insurance (COI) and inform them of the hospitalisation
  • Provide Policy Number and Nature of illness and obtain Claim Reference Number from the TPA
  • Online Claim Form may be required to be submitted
  • Once the treatment is over, subject to the terms of the policy, insurance company will provide Guarantee of Payment (GOP) to the hospital
  • Insured (You) need to settle the dedutible, other inadmissible expenses to the hospital
2. Reimbursement Claim – Outpatient Medical Treatment / Any Travel Emergency
  • For Medical cases, pay the hospital/clinic for the treatment and retain original bills/receipts/treatment records
  • For Non Medical cases, pay and retain receipts for expenses incurred related to the Travel Emergency like Baggage Delay/Loss, Flight Delay, Passport Loss etc
  • On return to India, notify the TPA/Insurer immediately via Call Centre/Website
  • Submit Claim form with Insurance Policy copy, Passport Copy, Medical bills (if applicable), Police report (for theft/loss claims) within the designated time
  • Claims settled within 15 working days subject to submission of all documents

Travel Insurance – FAQs


Is travel insurance mandatory for obtaining a visa?

Yes, for many countries like Schengen countries throughout Europe, travel insurance with a minimum coverage of €30,000 is mandatory.


Can I cancel my travel insurance policy, if I am not traveling?

Yes, all policies can and must be cancelled before the travel start / commencement date. Based on policy terms, you will be eligible for full/partial refund.


Can I extend my policy of my trip is extended?

Yes, off course. Normally single trip policies can be issued for upto 180 days at a time and if extension is required, can be cumulatively issued upto 365 days. An email request needs to be sent to the insurance company and once approved, the online policy can be issued.


Can I buy travel insurance after departure?

Some insurers allow this, but this is subject to the insurance company approval.


Do I need separate insurance for each trip?

Not if you have a multi-trip annual plan, which allows you to travel multiple times in a 365 day period.

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