Travel Insurance
Going Somewhere? Better Get Covered
When you are a person who loves travelling, there might be instances where you would find yourself in unfamiliar surroundings and will have to tackle medical emergencies. This is where travel insurance comes to rescue.
The main reason as to why a travel insurance plan should be purchased is to get assistance during situations like personal accidents, illnesses, hijacking, theft, personal liability expenses or any other travel-based issues, while visiting a new destination.
Travel Insurance is a fast and easy way to protect and enjoy the trip of your dreams. Always remember that a travel insurance is not an expense but an investment which you’re making for yourself and your loved ones to keep them happy and safe.
| TYPES OF TRAVEL INSURANCE | DESCRIPTION |
|---|---|
| INDIVIDUAL TRAVEL INSURANCE | While traveling alone, one might need extra protection and immediate help. It includes benefits like accidental emergencies, accidental death, medical services expenses, dental expenses and other non-medical factors like baggage loss, passport loss and more. |
| FAMILY TRAVEL INSURANCE | Family plans can be taken for a single family inclusive of the policyholder and his/her spouse and children. It includes benefits like medical expenses for hospitalization, personal accident, hospital allowance, trip delays, loss of baggage, documents, home burglary insurance, etc. |
| SENIOR CITIZEN TRAVEL INSURANCE | Offers benefits like cashless medical services, medical concierge services, quality health care facilities, cover for pre-existing conditions, accidental bodily injury, loss of documents, trip delays/cancellation, third party damage, distress allowance, etc. |
| CORPORATE TRAVEL INSURANCE | Corporate travel insurance plan can be procured by corporate employers who intend to provide insurance protection to their employees while they are abroad. Available as multi-trip and single round trip policies. |
| DOMESTIC TRAVEL INSURANCE | Covers medical expenses, loss or theft of baggage, emergency medical evacuation, cancellation and delay of trips, 24/7 customer support, personal accident cover and emergency cash assistance. |
| INTERNATIONAL TRAVEL INSURANCE | Covers overseas travel, trip holiday, family visitation, study, business meetings and much more including medical and dental expenses, loss of baggage and passport, trip cancellation, flight delays, etc. |
| SINGLE TRIP INTERNATIONAL TRAVEL INSURANCE | Purchased for one trip to a single destination with fixed duration of travel. |
| MULTI-TRIP INTERNATIONAL TRAVEL INSURANCE | Covers duration of travel throughout the year with benefits like cashless hospitalization and quick settlement of claims. Ideal for frequent travelers. |
WHAT DOES TRAVEL INSURANCE COVER?
- In-patient care
- Out-patient care
- Daily Allowance
- Compassionate visit
- Return of Minor child
- Up-gradation to business class
- Dental Treatment
- Trip interruption
- Trip Delay
- Loss of checked-in baggage
- Delay of checked-in baggage
- Loss of Passport or International Driving License
- Personal Liability
- Hijack Distress Allowance
WHAT IS EXCLUDED FROM TRAVEL INSURANCE POLICIES?
- Substance Abuse: Alcohol or drugs.
- Human-made situations: War, Civil war, Terrorism.
- Medical Exclusions: HIV/AIDS, Alternative treatment, cosmetic treatment, pre-existing conditions, suicide or self-inflicted injury.
- Loss of passport not covered if left unattended.
- Adventure sports injuries.
WHAT ARE THE PARAMETERS THAT AFFECT TRAVEL INSURANCE POLICY'S PREMIUM?
- Age
- Travel Destination
- Duration of Travel
- Medical Conditions
- Number of Travelers
- Any Add-ons Taken
TRAVEL INSURANCE CLAIM PROCEDURE
CASHLESS CLAIM
- Hospital to collect and submit required documents.
- Approved payment credited to beneficiary account.
- If incomplete, additional documents requested.
REIMBURSEMENT CLAIM
- Submit required documents.
- Approved payment credited to beneficiary account.
- If incomplete, documents requested.
- If not submitted in stipulated time, claim closed.
DOCUMENTS REQUIRED
| TYPE OF CLAIM | DOCUMENTS REQUIRED | PROCEDURE TO BE FOLLOWED |
|---|---|---|
| MEDICAL EMERGENCY: ACCIDENT AND DENTAL EMERGENCY / HOSPITALIZATION |
1. Our Assistance co. ref. No. and approval 2. Claim form duly filled in all aspects 3. Doctor's advice report 4. Pathological / lab reports 5. Original bills / receipts / prescriptions 6. Discharge certificate 7. Policy copy 8. If expenses paid by you seek reimbursement 9. Preserve all original bills / prescriptions |
1. Please call our company 2. Call for claim form 3. Get the assistance for admission through our assistance co. |
| PERSONAL ACCIDENT |
1. Inform the company 2. Narration of the facts 3. Police report 4. Witness statements 5. Death certificate, if applicable 6. Cause of accident 7. Post mortem report, if applicable 8. Original bills 9. Details of treatment taken for PTD or PPD with supporting prescriptions and doctor’s advice |
1. Call the company and obtain claim form 2. Please fill the claim form in all aspects 3. Inform police 4. In case of PTD, obtain disability certificate from the doctor 5. Witness if any, get statements from them |
| LOSS OF CHECKED IN BAGGAGE |
1. Claim form duly filled in all aspects 2. Copy of letter lodging a claim on the carrier 3. Property irregularity report / other report issued by the carrier 4. Compensation received from the carrier 5. Adequate proof of value of items contained in checked in baggage value in excess of US$100 |
1. Please call our company 2. Call for claim form 3. Lodge complaint with the carrier 4. Send complete documents |
| DELAY OF CHECKED IN BAGGAGE |
1. Claim form with reference 2. Copy of ticket 3. Copy of visa / passport 4. Certificate from the carrier for the delay in checked-in baggage for more than 12 hours 5. Irregularity report or any other report from the airline stating date 6. Original bills of emergency consumables purchased up to the arrival of delayed baggage |
1. Original bills of emergency consumables purchased up to the arrival of delayed baggage 2. Call for claim form which can be obtained from the company 3. Send duly filled in claim form with supporting documents |
| PERSONAL LIABILITY |
1. Inform the company 2. Narration of the incident 3. Proof of judicial decision 4. In case of bodily injury, nature of it 5. Witness statement 6. Victim’s statement 7. Police complaint by the victim 8. Your report to the police 9. Legal notice, summons, etc. 10. Lawyer’s opinion about the incident vis-à-vis your liability |
1. Inform our Assistance co 2. Engage lawyer with the consent of the company 3. Correspondence, if any, without prejudice 4. No commitment on any benefit or enter into agreement |
| TRIP CANCELLATION |
1. Inform police issuing office / call Centre 2. Fill up the claim form 3. Cause for cancellation with supporting evidence 4. In case of bodily injury: Hospitalization bill, Doctor’s bill, etc. 5. In case of death of a relative: Death Certificate 6. In case of quarantine: Certificate from the authorities 7. In case of deposing as a witness: copy of summons 8. Copy of ticket 9. Copies of correspondence with the airline authorities |
1. Inform policy issuing office 2. Obtain claim form 3. Inform the travel agent or the tour operator through whom the trip was arranged 4. Preserve unused ticket or any prior agreement entered into with Hotels, etc. resulting in loss because of cancellation of the trip |
| LOSS OF PASSPORT |
1. Copy of complaint lodged with the police 2. Inform passport office 3. Copy of loss passport 4. Cause of loss 5. Expenses incurred for obtaining duplicate passport |
1. Inform the company and their assistance Co. 2. Take their assistance 3. Inform police |
Why Buy Travel Insurance from SANGHAVI INSURANCE AND FINANCE CONSULTANT?
- Wide range of plans and riders.
- 24/7 assistance in emergencies.
- Favorable policy terms.
- Transparent claim settlement.
- Continuous claim status updates.
FAQs on Travel Insurance
1. Can the insured claim hospitalization expenses the patient has been hospitalized due to COVID-19?
Ans:
Yes, the hospitalization expenses will be payable if the patient has been hospitalized due to COVID-19 during overseas travel.
Yes, the hospitalization expenses will be payable if the patient has been hospitalized due to COVID-19 during overseas travel.
2. If the trip is cancelled because of the hospitalization, will it still be covered?
Ans:
Yes, the financial losses occurred by the policy holder will be covered if the scheduled trip is cancelled because of COVID-19 during traveling.
Yes, the financial losses occurred by the policy holder will be covered if the scheduled trip is cancelled because of COVID-19 during traveling.
3. Why do I need Travel Insurance?
Ans:
Going on a holiday can be a lot of fun but a single mishap can ruin your perfect vacation and result in huge financial loss. Your travel insurance policy will help you stay protected from such unexpected situations.
Going on a holiday can be a lot of fun but a single mishap can ruin your perfect vacation and result in huge financial loss. Your travel insurance policy will help you stay protected from such unexpected situations.
4. Is a medical check-up necessary before the policy is purchased?
Ans:
Many of the insurance providers do not cover pre-existing diseases or ailments. So it is always necessary to check up with the agent or insurance provider about premedical tests required and the reports that are required to be submitted.
Many of the insurance providers do not cover pre-existing diseases or ailments. So it is always necessary to check up with the agent or insurance provider about premedical tests required and the reports that are required to be submitted.
5. Can the period of travel insurance be extended?
Ans:
Please read the policy documents at the time of purchase of the policy. Some policies, especially overseas travel insurance policies do give extension.
Please read the policy documents at the time of purchase of the policy. Some policies, especially overseas travel insurance policies do give extension.