Holidays are meant to be fun and entertaining! However, one cannot rule out risks such as accidents, illness, missed flights or lost baggage. Across the world travelers are compensated if they end up canceling their travel or even if their travel is interrupted. What about India? What can you as a traveler claim for travel insurance here? Read on and find out.
ICICI, Tata AIG, Bajaj Allianz – there are a number of companies that offer travelers insurance. Most of these travel protection products are value for money for frequent travelers or holidayers who might encounter problems in unfamiliar locations.
Applying for travelers insurance in India – easier than you thought!
You will always need health insurance when you travel. You cannot take the risk of traveling without proper coverage and dealing with unforeseen incidents such as accidents or serious injuries. Especially if you are traveling with children, you will need to take extra care to ensure that you have arranged for adequate travel insurance. Today, companies are offering competitive deals on travel insurance.
Wondering how to apply for travelers insurance while you are in India? The process has been simplified for your convenience and you can avail a host of travel insurance plans easily online! But it is important to know what is included and what is not so you can make the most of your travel protection and get reimbursed fairly as well.
Here’s what is included in most travelers’ insurance plans
Normally, most travel insurance plans cover expenses incurred due to flight delays, cancellation of trips, personal accidents, loss or delay of baggage/passport or any financial emergency assistance. TCI (Travel Corporation India), underwritten by Tata AIG, offers separate insurance plans for individual travelers, families, students and businessmen. Ensure that you have copies of your tickets, boarding passes and receipts for expenses while claiming travelers insurance.
The great news is that most insurers have an international helpdesk for your assistance so you can apply with Indian companies itself! Since Asian countries don’t demand any travel covers, options were limited. However, with the increasing inflow of tourists, travel protection plans have seen a marked growth here.
Want to register a claim?
What you need to do is register a claim with the insurance company and submit the claim form with the relevant documents. You will need a duly completed and signed claim form, a copy of the policy and your boarding pass to support your claim. There is a possibility of your claims being rejected on grounds of your claim not being covered in the policy. You must read your insurance policy thoroughly before applying and even availing it.
If you are traveling without insurance any accident or hitches would be further compounded by excessive financial burden for you. We don’t know when unforeseen circumstances can cut short memorable vacations, so it is important to get yourself a travel insurance plan to prepare yourself for any eventuality.
Have you applied for travelers insurance? Was the process easy? How did you benefit?
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