Dissecting Your Travel Insurance Policy - What Should You Know?

To break free from the daily mayhem is what we all desire. For this, we indulge in travelling all over the world as it gives us a sense of happiness and fulfillment. However, when travelling it is important you have a proper travel plan in place to ensure you have a joyous experience. Travel insurance should constitute to be an important part of your travelling plan as things tend to go haywire when travelling. So read below about everything that you need to know about travel insurance.

What is travel insurance?

Travel insurance is a type of general insurance policy that provides you against all the unforeseen conditions that could hinder your travel. It covers costs for conditions such as loss of passport, personal liability and even medical emergencies. The coverage offered varies from insurer to insurer since there are various types of insurance policies available in the Indian insurance market.

Inclusions and exclusions of travel insurance

Inclusions of travel insurance

A standard travel health insurance policy provides coverage for the following:

• Loss of baggage

• Loss of passport

• Emergency Dental treatments

• Emergency medical expenses

• Flight delay

• Cost of delay of checked-in baggage

• Personal liability

• Emergency cash assistance

• Hijacking benefit

• Personal accident

Exclusions of travel insurance

A standard travel insurance policy does not provide coverage under below conditions:

• Self-inflicted injuries

• Pre-existing diseases

• Expenses arising out of mental disorder, anxiety, stress, disorder, HIV/Aids and others

• Injury caused due to adventure sports

Benefits of buying travel insurance

The aim of a travel insurance policy is to offer you hassle-free travel experience. A travel insurance policy compensates you in case of an emergency or unforeseen situation arising at the time of your travel.

Read below about the benefits of purchasing a travel policy

Covers hospitalization expenses: If anytime during your travel, you require hospitalization due to an illness or an accident, our travel policy will cover the costs for the same. Coverage is not provided for hospitalization that is caused due to pre-existing diseases.

Flight issues: In case of a flight delay, a travel insurance policy compensates you for the costs incurred for the same. Get reimbursement for essential purchases if your flight gets delayed.

Personal Liability : Travel insurance policy will pay up if you are legally liable to pay compensation to a third party towards medical expenses or property damage.

Repatriation of remains: If the insured dies during the travel, then the travel insurance policy provides coverage for the expenses to bring the mortal remains back to the home country.

Now that you know about the coverage offered under travel insurance, you can easily purchase travel insurance online through HDFC Ergo.
Disclaimer: The above information is for illustrative purpose only.For more details, please refer to policy wordings and prospectus before concluding the sales.