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Buying Overseas travel insurance after departure from India

Overseas mediclaim insurance for travelers already outside India

1. Traveler Name
2. Traveler Date of Birth
  OR age      years
3. When did you travel from India
4. Date of returning to India
5. Duration of Stay
6. Destination country
7. Need insurance from
8. I Certify that
9. Contact e-mail id
10. Contact phone number
11. Applicant Nationality
12. Are you currently insured?
     
13. If yes, Current insurance
14. Is the traveler a student?
    
15. Name of the university
16. How much longer are you a student?
17. Enter Captcha
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As per the IRDAI guidelines, you cannot buy travel insurance from any of the Indian insurers after you have departed from India. The guideline clearly states that the traveler must be in India at the time of purchasing the policy, and before their trip commences. Once you have departed from the country, none of the Indian insurance companies can issue a travel insurance policy for the trip which has already begun. However on a case to case basis, subject to an approval process, the insurance companies are willing to provide travel insurance for a traveler who has recently left from India.
Steps to be followed for purchasing Travel Insurance after departure:
Step 1 Reach out to EIndia Customer Support Team, to apply for a Travel Insurance policy by providing basic information required for the policy including passenger information and details of travel.
EIndia team can be reached on :
  • Email : info@eindiainsurance.com
  • Phone : +91-80-41101026
  • whatsapp 9900260206
Step 2 EIndia team will complete the application process and submit the same to the insurance company for their approval. Part of the documentation includes Declaration of “good health” and “no claims to be filed” by the traveler, Passport and Air Ticket copy etc
Step 3 Insurance company will review the documents provided, may seek additional documents, and provide approval/denial for the application filed by EIndia on behalf of the traveler.
Step 4 Once approval is provided by the insurer, EIndia Customer Support team will inform you to complete the policy issuance process by filling in the Online Policy Application form and complete the premium payment through the EIndia payment gateway.
Step 5 Policy is issued through EIndia and shared with you
Step 6 Please check the details of the policy to ensure the same has the accurate information for the entire duration of your stay abroad. Please review the Terms & Conditions of the policy to be aware of the Benefits, Coverage Limits, Exclusions etc

Why should you buy travel insurance while abroad?

Purchasing travel insurance while travelling overseas for business or leisure, will make your trip stress free since it takes away the financial burden in case of an medical or non-medical emergency.

The Cost of medical treatment in most countries like The Americas, Canada, Europe, Middle East and South East Asia are significantly higher than in India and in case of a medical emergency, this could result in a big dent in your personal savings. Similarly if you have a Non-medical emergency like a Trip Cancellation, or a Delayed/Lost Baggage or even a Flight Delay, you will end up losing some money to make good these losses… Travel Insurance can take care of all of this and more. Even if you have forgotten to get your Travel Insurance before you left due to the last minute rush, reach out to us at buy-overseas-travel-mediclaim-insurance-after-leaving-india and we will help in securing your trip with a suitable Travel Insurance policy.

Your Travel insurance policy would typically offer the following coverages:

  • Medical Covers
    • Emergency Medical expenses following an Accident or Sickness
    • Coverage for Pre Existing Medical Conditions, subject to Terms & Conditionss
    • Emergency Medical Evacuation
    • Repatriation of Mortal Remains in case of unfortunate demise of the traveler while abroad
    • Personal Accident
  • Non Medical Covers
    • Trip Cancellation / Interruption due to covered reasons
    • Baggage Loss / Delay
    • Loss of Passport / International Driving License / Travel Documents
    • Flight /Trip Delay
    • Personal Liability
    • Bounced Hotel booking and more

Can you buy travel insurance after leaving India?

No, as per legal guidelines of the Insurance Regulatory and Development Authority of India (IRDAI), you have to buy International Travel Insurance before you leave India. Having said that in the extreme situation that you have travelled abroad without purchasing your Travel Insurance policy, we can make a representation to the insurance company with your application and subject to their approval, issue your Travel Insurance policy.

For this, please fill the above form and submit the same to us. Our Customer Support team will get in touch with you and try to help you in getting you Travel Insurance issued. They can be reached via email eindiainsurance.com phone (+91-80-41101026) or whatsapp (9900260206). It is always advisable to have yourself and family protected while traveling abroad.


Why you might need travel insurance after leaving India

Travelling overseas for business or leisure, with a comprehensive Travel Insurance makes your trip worry free and takes away your financial burden in case of an emergency, both medical and non medical.

Cost of medical treatment abroad is high across most countries in Americas, Canada, Europe, Middle East and South East Asia. You could also have your Baggage Lost or Delayed, or Passport stolen while aborad. If you travel without any comprehensive Overseas Travel Insurance, in the event of an unexpected emergency, you will lose all your hard earned money to pay for the claim. Hence, buy best travel insurance for your international trip to cover your emergency medical and non-medical expenses. Even if you have forgotten the same in the last minute rush, reach out to us and we will help in covering yourself with a suitable Travel Insurance policy.


How to Buy Travel Insurance from Abroad

As per the policy Terms & Conditions, you have to buy the Travel Insurance before your depart from India. If you are already overseas without any Travel Insurance, please fill the above form and our customer support team will reach out to the insurance company to obtain an approval to have a policy issued as a special case. Our customer support team will then get in touch with you post approval and help you to have the policy issued.

However, if you already have a travel insurance policy which is live/expired and you want to extend/renew the policy or you want to buy a new one, while you’re abroad, please reach out to our Customer Support team via email eindiainsurance.com phone (+91-80-41101026) or whatsapp (9900260206), and they will guide you through the process of getting yourself insured.


Can I buy travel insurance after I’ve already left my home country?

Yes you can apply for Travel Insurance after you have let India, and subject to approval from the respective Travel Insurance companies, the policy can be issued by the EIndia team. Some companies like Tata AIG, Bajaj Allianz, Care Health do provide travel insurance after reviewing the merits of the application from the traveler.


If I buy travel insurance after I have left India, will the Terms & Conditions (T&Cs) of the policy be different?

No, the T&Cs will be exactly the same, if you had to purchase the Travel plan before your departure from India.


What documents do I need to buy travel insurance while abroad?

You'll need to provide the following details for an approval from the insurance company
  • Passenger Information - Passport details, Age and Duration of Travel, Destination, Air Ticket details
  • Email with reason of not purchasing prior to departure along with “Declaration of Good Health” and “NIL Claims”
  • Pre Existing Conditions declaration, if coverage required

How long does the approval take for my application for Travel Insurance while abroad?

The end to end approval process would be completed in maximum of 24 hours after submitting the application form with the supporting documents. Sometimes if there is a holiday or a weekend, it may take an additional 24 hours.

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