Travel Insurance

Types of Travel Insurance

• Comprehensive Trip Insurance – This insurance policy is a package plan which covers risks against the cancellations, hurricanes, medical emergencies, evacuation, lost or delayed baggage etc. This type of insurance is suitable for vacations, foreign travel, cruises etc.
• Travel Medical – Travel medical provides the medical coverage during the travel. It covers the risk of medical emergencies, accidents, evacuations etc. These are ideal for international vacations, long-term work/study abroad, international business trips etc.
• Evacuation (Medevac) – It covers the emergency medical evacuation or international security evacuation events.
• Annual - These are the most common travel insurance plans as these provides the coverage to whole travelling during the year. It is suitable for business travelers or frequent travelers.
• Specialty Plans – These plans are suitable to cover particular need of the insured.

While choosing a travel insurance policy one should be carefully study the followings:

• What are the inclusions and exclusions of the policy?
• What are the contact details of your travel insurer when you are overseas?
• What documents and information you need to take with you during the trip?
• What are the dollar limits for claims on individual benefits and as a whole?
• The proof you might need if you make a claim?
• What is the cost of the premium?

You should always choose a travel insurance policy which provides full coverage for the full time duration of the travel.

Details you will need to provide to file a claim are as follows:

• Policy number
• Name of insured person / contact number
• Permanent contact number & email id (mandate)
• Diagnosis in case of medical cases
• Place and country of loss
• Provider name
• Contact details and the name of the caller (in case the person intimating the claim is not the insured)
• Date & time of accident
• Brief description of loss

List of documents you should keep ready while making a claim regarding

1. Medical Accident & Sickness Expenses** (Outside India)

• Claim Form
• Doctor's report
• Original admission/discharge card
• Original bills/receipts/prescription
• Original X-ray reports/ Pathological/ Investigative reports
• Copy of passport/Visa with entry & exit stamp

2. Loss of Baggage / Delay of Baggage

• Claim Form
• Copies of Baggage Tags
• Copies of correspondence with the airline authorities/Others about loss or delay of checked baggage
• Property Irregularity Report (obtained from Airline)
• Details of compensation received from Airlines/Other authorities, if any
• Original bills/receipts/invoices pertaining to expenses incurred/purchases made during the delay period.

3. Trip Delay/ Cancellation/ interruption/ missed connection

• Claim Form.
• Confirmation from the airlines, about the scheduled arrival time and the actual arrival time.
• Copies of correspondence with the airline authorities certifying the delay.
• Medical reports and doctors statement, if trip is cancelled or interrupted due to medical reasons.
• Termination letter from the company, if trip is cancelled or interrupted due to employment reason.
• Original tickets of the insured and the traveling companion.
• All the bills / receipts of reasonable additional expenses incurred and / or proof of cancellation charges levied by the carriers.

4. Hijack

• Claim Form
• Description of events
• Airline correspondence
• Copy of ticket/ Boarding Pass