Tips to find best travel insurance
Tips to find good and adequate international travel health insurance.
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Travel insurance in India provides coverage for unexpected events that may occur during domestic or international travel. According to Wikipedia, travel refers to the movement of people between distant geographical locations. This movement can involve various modes of transportation such as foot, bicycle, automobile, train, boat, bus, airplane, or others, with or without luggage, and may be one-way or round trip. Travel can also encompass shorter stays between consecutive movements.
Tourism, on the other hand, encompasses travel undertaken for pleasure or business purposes. It includes both the theory and practice of touring, as well as the industries involved in attracting, accommodating, and entertaining tourists, and operating tours. Popular destinations for Indian travelers can be either international or within their own country.
The World Tourism Organization, through its UNWTO Report each year, offers a broader definition of tourism, expanding beyond the traditional notion of holiday activities. It includes people traveling to and staying in places outside their usual environment.
The importance of travel insurance cannot be overstated. Throughout history, people have traveled for leisure, business, visiting friends, participating in religious activities, and even for medical treatment. According to the World Tourism Organization's 2018 report, these are among the primary reasons people travel globally.
Today, Indians explore destinations worldwide, with the USA, UK, Australia, Schengen countries, Dubai, Thailand, Sri Lanka, Maldives, and other Asian countries being particularly popular. Indian travelers span all demographics—from children to elderly, from healthy individuals to those with pre-existing medical conditions. While travelers hope for smooth journeys, unforeseen circumstances, whether medical or non-medical, can lead to financial and emotional stress.
This is why it's highly recommended that every traveler invests in comprehensive travel insurance. Among the most crucial forms of financial protection available, overseas mediclaim insurance covers international travel, while domestic health insurance applies within India. Adding international health insurance to your travel checklist ensures peace of mind whether traveling for leisure, business, or any other purpose.
Today, purchasing international travel medical insurance is straightforward. Using online platforms, travelers can calculate premiums, review and compare benefits from various Indian visitor health insurance plans, and purchase the best India travel mediclaim insurance—all without needing to call an agent or visit an insurance office. So, what exactly does visitor travel insurance cover?
At eindiainsurance we provide the most comprehensive basket of plans to choose from depending on your travel requirements. They include:
International Travel Insurance is a financial safety net that protects you from unforeseen events and expenses during your overseas trip. It's crucial because medical costs abroad (especially in countries like the USA, Canada, and Europe) can be extremely high, and your domestic health insurance may not cover you outside India. It also covers non-medical emergencies like trip cancellations, lost baggage, or passport loss.
No, it is not mandatory for all international destinations. However, it is mandatory for obtaining a visa to certain countries, most notably all Schengen Area countries (which require a minimum medical coverage of €30,000). Even where not mandatory, it is highly recommended for peace of mind and financial security.
Most comprehensive international travel insurance plans cover: * Emergency Medical Expenses: Hospitalization, doctor's fees, diagnostic tests, outpatient treatment for new illnesses or injuries. * Emergency Medical Evacuation & Repatriation: Costs to transport you to the nearest appropriate medical facility or back to India. * Repatriation of Remains: In case of unfortunate demise. * Trip Cancellation/Curtailment: Reimbursement for non-refundable expenses if your trip is cancelled or cut short due due to covered reasons (e.g., illness, family emergency). * Lost/Delayed Checked Baggage: Compensation for lost luggage and daily allowance for delayed baggage. * Loss of Passport: Covers expenses for obtaining a new/duplicate passport. *Personal Accident: Financial compensation for accidental death or permanent disability. * Personal Liability: Protection if you accidentally cause injury to a third party or damage their property. * Emergency Dental Pain Relief: For acute dental emergencies. * COVID-19 Coverage: Most plans now include medical expenses related to COVID-19.
Generally, standard international travel insurance policies do not cover routine treatment or ongoing management of pre-existing conditions. However, many comprehensive plans, especially those for senior citizens, offer limited coverage for the "acute onset of a pre-existing condition." This refers to a sudden, unexpected, and severe flare-up of a stable pre-existing condition that requires immediate life-saving medical attention, often with specific sub-limits. Always check the policy wording carefully.
Deductible: This is the initial amount you pay out-of-pocket for a covered claim before the insurance company starts paying. For example, if your deductible is $100 and the bill is $500, you pay $100 and the insurer pays $400.
* Sub-limits: These are caps on specific benefits within the overall policy maximum (e.g., maximum daily room rent, maximum for a specific surgery). Choosing plans without sub-limits (if available for your age/destination) offers better financial protection
Yes, you can. Most insurers offer specific Senior Citizen Travel Insurance plans with extended age limits, sometimes up to 90 or 99 years. These plans often have specific terms regarding pre-existing conditions and are tailored to the needs of older travelers.
No. Travel insurance policies must typically be purchased before you depart from India. The policy's commencement date must be on or before your departure date.
In case of an emergency, immediately contact your insurer's 24/7 global assistance helpline (number provided in your policy document). They will guide you through the process, which often involves cashless hospitalization at network hospitals or instructions for reimbursement claims. Always keep all relevant documents (medical reports, bills, police reports, etc.).
* Single Trip Policy: Designed for a single, specific trip for a defined duration. * Annual Multi-Trip Policy: Ideal for frequent travelers who take multiple international trips within a year. You purchase one policy for 365 days, covering unlimited trips (each trip typically limited to 30, 45, or 60 days). It's often more economical for multiple journeys.
Yes, most international travel insurance plans now include coverage for medical expenses related to COVID-19, treated like any other illness. Some may also cover quarantine expenses. It's advisable to confirm the specific COVID-19 benefits when comparing plans.
eindiainsurance.com allows you to: * Compare plans from multiple leading Indian insurers side-by-side. * Get instant quotes tailored to your specific needs. * Benefit from expert advice and unbiased recommendations. * Enjoy a simple and quick online purchase process with instant policy issuance. * Access dedicated customer support for queries and claims.
Now that one has chosen the type of policy you have to buy online, it becomes important to decide which insurance company’s policy to decide upon. Not all the general insurance companies who operate in India have expertise in selling and managing Travel Insurance. The important factors to taken into consideration with regards to the insurance company include:
Make sure you all review the entire list of coverage available with each insurance plan. Some insurance companies offer affordable travel insurance compare India with comprehensive coverage at an affordable cost, but they may not have the Assistance Network strength abroad if and when required in a medical emergency. Another insurance company may have a strong Assistance partner and enjoy a good reputation in India for claims settlement, but their premiums could be marginally higher than the average market premium for a similar coverage. Hence the insured must evaluate all relevant parameters before arriving at their final insurance partner and the ideal plan for their trip. At eindiainsurance, we have tried to make it simpler for the traveller to compare plans and choose the best one. More than that, eindiainsurance has gained the reputation of being:
Also known as SARS-CoV-2, nCov, 2019 Novel Coronavirus, COVID-19 is a new illness that can affect your lungs and airways. It's caused by a virus called coronavirus. There’s no specific treatment for coronavirus (COVID-19). Treatment aims to relieve the symptoms until you recover. It's not known exactly how coronavirus (COVID-19) spreads from person to person, but similar viruses are spread in cough droplets. While the majority of cases result in mild symptoms, some progress to severe pneumonia and multi-organ failure. As of 20 March 2020, the rate of deaths per number of diagnosed cases is 4.1%; however, it ranges from 0.2% to 15% depending on age and other health problems.
Tips to find good and adequate international travel health insurance.
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