Sanghavi Insurance

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 help 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. This is where insurance comes to rescue. It includes benefits like accidental emergencies, accidental death, medical services expenses, dental expenses and other non-medical factors like baggage loss, passport loss and many more.
FAMILY TRAVEL INSURANCE	Family travel 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	The elderly people prefer to travel after retirement and often travel alone as well or just in couples. This type of plan protects them from uncertainties. it 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	A Corporate travel insurance plan can be procured by corporate employers who intend to provide insurance protection to their employees while they are abroad. Corporate plans can be customized according to the requirements of the organization. It offers benefits like medical and travel-related cover for policyholders and are available as multi-trip and single round trip policies.
DOMESTIC TRAVEL INSURANCE	Any individual traveling within India can also get TYPES OF TRAVEL INSURANCE DESCRIPTION a domestic travel insurance plan with covers for 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	Covering a much wider range, the international travel insurance plans cover overseas travel, trip, holiday, family visitation, study, business meetings, and much more. It covers several factors - medical and dental expenses, loss of baggage and passport, trip cancellation, flight delays, etc.
SINGLE TRIP INTERNATIONAL TRAVEL INSURANCE	It can be purchased by individuals to get travel insurance for one trip to a single destination with a fixed duration of travel. The duration of the insured single trip will vary depending on the insurance company chosen by the customer.
MULTI – TRIP INTERNATIONAL TRAVEL INSURANCE	As per this policy specified duration of travel is insured by the policy with benefits like cashless hospitalization, quality health care services and quick settlement of claims. These plans are ideal for frequent international travelers.

WHAT DOES TRAVEL INSURANCE COVER?

BENEFITS OF TRAVEL INSURANCE

Now that we have taken a look at what is travel insurance and why is it so important let’s take a look at its benefits so that you can enjoy your trip to the fullest!!

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 or diseases, not following doctor’s medical advice, suicide or self-inflicted injury.
Baggage or Passport: Loss of passport is not covered under the travel insurance in India when the same is left unattended. Also, if the baggage is shipped separately from the insured, there is no coverage.
The travel insurance policy won’t cover Injuries due to participation in adventure sports.

WHAT ARE THE PARAMETERS THAT AFFECT TRAVEL INSURANCE POLICY’S PREMIUM?

Age
TRAVEL DESTINATION
DURATION OF TRAVEL

MEDICAL CONDITIONS
NUMBER OF TRAVELLERS
AND ANY ADD-ONS IF TAKEN

TRAVEL INSURANCE CLAIM PROCEDURE

CASHLESS CLAIM

Hospital have to collect and submit all the required documents for processing.
Once the claim is submitted and approved payment would be made to beneficiaries’ account.
If the information provided is incomplete, then you will be asked to complete the formalities.

REIMBURSEMENT CLAIM

You have to collect and submit all the required documents for processing.
Once the claim is submitted and approved payment would be made to beneficiaries’ account.
If the information provided is incomplete, then you will be asked to complete the formalities.
If the documents are not submitted within stipulated time, claim file would be closed.

DOCUMENTS REQUIRED

TYPE OF CLAIM	DOCUMENTS REQUIRED	PROCEDURE TO BE FOLLOWED
MEDICAL EMERGENCY: ACCIDENT AND DENTAL EMERGENCY/ HOSPITALIZATION	Our Assistance co. ref. No. and approval Claim form duly filled in all aspects Doctor’s advice report Pathological/ lab reports Original bills / receipts/prescriptions Discharge certificate Policy copy If expenses paid by you seek reimbursement Preserve all original bills / prescriptions	Please call our company Call for claim form Get the assistance for admission through our assistance co.
PERSONAL ACCIDENT	Inform the company Narration of the facts Police report Witness statements Death certificate, if applicable Cause of accident Post mortem, report, if applicable Original bills Details of treatment taken for PTD or PPD with supporting prescriptions and doctor’s advice	Call the company and obtain claim form Please fill the claim form in all aspects Inform police In case of PTD, obtain disability Certificate from the doctor. Witness if any, get statements from them
LOSS OF CHECKED IN BAGGAGE	Claim form duly filled in all aspects Copy of letter lodging a claim on the carrier Property irregularity Report/other report issued by the carrier Compensation received from the carrier Adequate proof of value of items contained in checked in baggage value in excess of US$100	Please call our company Call for claim form Lodge complaint with the carrier Send complete documents
DELAY OF CHECKED IN BAGGAGE	Claim form with reference Copy of ticket Copy of visa/ passport Certificate from the carrier for the delay in checked in-baggage for more than 12 hours Irregularity report or any other report from the airline stating date. Original bills of emergency consumables purchased up to the arrival of delayed baggage.	Original bills of emergency consumables purchased up to the arrival of delayed baggage. Call for claim form which can be obtained from the company Send duly filled in claim form with supporting documents.
PERSONAL LIABILITY	Inform the company Narration of the incident Proof of judicial decision In case of Bodily injury, nature of it Witness statement Victims statement Police complaint by the victim Your report to the police Legal notice, summons, etc. Lawyers opinion about the incident vis-à-vis your liability.	Inform our Assitance.co Engage lawyer with the consent of the company Correspondence, if any, without prejudice No commitment on any benefit or enter into agreement
TRIP CANCELLATION	Inform police issuing office / call Centre Fill up the claim form Cause for cancellation with supporting evidence In case of Bodily Injury: Hospitalization bill, Doctor’s bill, etc. In case of death of a relative: Death Certificate In case of quarantine: Certificate from the authorities In case of deposing as a witness: copy of summons Copy of ticket Copies of correspondence with the airline authorities	Inform policy issuing office Obtain claim form Inform the travel agent or the tour operator through whom the trip was arranged Preserve unused ticket or any prior agreement entered into with Hotels, etc. resulting in loss because of cancellation of the trip
LOSS OF PASSPORT	Copy of complaint lodged with the police Inform passport office Copy of loss passport Cause of loss Expenses incurred for obtaining duplicate passport	Inform the company and their assistance Co. Take their assistance Inform police

Why Buy Travel Insurance from SANGHAVI INSURANCE AND FINANCE CONSULTANT?

We continuously try to fulfil our client’s requirements, by providing and advising them about wide range of plans and riders available in the market.
We know that a financial crisis or an emergency can arise anytime and thus we are here to help you 24/7.
We are the one who will go through the internal terms and conditions of the policy and make sure that they are favorable to our clients
Our insurance claims are settled with utmost ease and transparency.We continuously update the client on claim status at every level of claim.

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.

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.

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 in huge financial loss. Your travel insurance policy will help you and protect you from any financial losses.

4 .Is a medical check-up necessary before the policy is purchased?

Ans:

Many of the insurance providers do not cover preexisting 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 at the time of purchase of the policy.

Please ensure the medical reports are updated.

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 extensions once with valid reason.