How to compare travel insurance online India

How to compare travel insurance online India?

Since many Indian general insurance companies offer overseas mediclaim travel insurance plans in the India market, it is important to be able to choose the optimum plan for the trip. The optimum plan should ensure sufficient and best medical insurance coverage for travelling abroad as well as offer value for the premium being paid by the traveler…hence there are a few factors to be kept in mind while finalising the best travel insurance plan for the trip… What are the key factors to keep in mind while comparing Travel insurance India policy?

The key factors while comparing travel insurance include:

• Destination of travel: For example if one is going to developed countries like USA, Europe, Australia, UK, it is advisable to a policy with a higher Medical Limit ($200,000 and above). This is because the cost of medical treatment in these countries is significantly higher than the rest of the world.
• Duration of travel: The longer the duration of travel, the higher sum insured for Medical expenses is recommended because the possibilities of catching an illness increase when exposed to varying climatic conditions with changing seasons.
• Reputation and the Market standing are important to keep in mind while finalising an insurance partner. Importantly, the traveler should keep in mind the capabilities of the insurance company for Travel Medical Insurance India specifically. Their ability, transparency and promptness in claims settlement and their financial strength are important factors to consider.
• Third Party Administrator (TPA) abroad: Accessibility to the TPA at the time of a medical emergency is very important. One should understand the TPA’s network of hospitals across the world and their competencies to handle a critical situation
• Activity calendar of the insured is as important as the trip itself. As a traveler if you plan to have a relaxed beach side vacation just to catch a tan, then don’t look for buying an insurance policy with an adventure sports coverage. But if you are likely to go scuba diving or snorkeling (any other adventure sport), please ensure the opt for a plan that offers coverage for Adventure Sports
• Age of the traveler is another key factor while deciding on the ideal insurance plan and premium for the same. With advancement in age, there are higher possibilities for travelers to be carry pre-existing medical conditions. Most insurance plans exclude medical expenses arising due to pre-existing conditions, and hence the traveler must ensure to choose the correct plan if they want the same to be covered.
• Exclusions under a Medical insurance for travelling abroad are as important as the inclusions or coverages. Hence it is important for the traveler to review the exclusions prior to purchasing the policy so that they are clearly aware of what is covered and what is not covered.

EIndiainsurance has developed a travel insurance comparison tool, which allows Indian travelers to compare Indian travel insurance online with ease. The travelers can sort the available travel insurance India plans based on the premium rates as well as filter plans for different insurance companies..

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