Knowledge Centre

5 Factors To Consider Before Buying Travel Insurance

After planning an exciting trip, it seems mundane to look through travel insurance policies but it is wise to consider the following five factors and choose a policy that can promise ultimate security.

  • Medical History: In case you have a medical history of a serious ailment, then the insurance premium might go up. In some cases, the insurance policy does not cover the pre-existing medical ailment and in some cases it is offered as an add-on.

  • Single trip/Multi trip policy: Are you a frequent flyer or is it just a one-time trip? In case you are a frequent flier then buying a multi-trip policy instead of a single trip policy is going to save you a lot of money.

  • Claims process: An insurance policy is helpful only if the claims process is hassle-free. In a foreign land, your insurance policy must be a source of support and not an added hassle. Go through the claims process elaborately to choose travel insurance policy.

  • Exclusions:. There are exclusions in which case you are not entitled for compensation or support. Go through the exclusions carefully. For e.g., a lot of travel insurance policies exclude injuries due to adventurous activities from the scope of coverage but if you are planning an adventurous trip then you may opt for an add-on.

  • Riders: Are you planning to buy expensive gadgets or jewellery during the trip? Most insurance policies do not provide cover for expensive items such as electronic items, jewellery etc. So you may inquire about insurance riders so as to get maximum coverage for these items.

We at HDFC ERGO offer the most carefully curated and elaborate travel insurance plans promising minimum premiums, maximum coverage and utmost comfort. Here are some of the benefits:

  • Medical emergency & hospital cost: In case of a medical emergency, your insurance cover will ensure 24x7 hospital assistance, emergency evacuation, hospital stay and medicine bills as well as surgery cost.

  • Over 8 lacs+ Cashless Network Hospitals Worldwide: You can get cashless treatments at a foreign land with a breeze.

  • International Number for assistance on call: You can call us on  +800 08250825 (International Toll Free) for any claim related assistance.

  • Lost Checked-in baggage: Checked Baggage losses are common. With travel insurance, you will be reimbursed for baggage loss and more. 

Buying travel insurance from HDFC ERGO will provide you with the best travel insurance in India. Click here to read more about our travel insurance plans and pay only for the specific number of days you choose to travel for with per day pricing benefit.

Disclaimer: The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before going ahead with the sales.

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