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Precautions to be taken when you travel this Christmas and New Year

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Home is where the heart is, except for Christmas and New Year time. During the year end, our heart is all over the world. Some travel to a new destination never visited before, some travel to revel in snow, some fly down to be together with their loved ones and some travel to just escape the loud festivities and celebrate in their own quiet way.

As this is the most exciting time of the year, it is important to plan your travel wisely so that it also translates to a happy start of the next year. Any mis-happening during this much awaited trip can ruin your year end as well as the New Year. This is where travel insurance becomes extremely essential. With travel insurance, you can be assured of an all-encompassing coverage of your trip wherein even the smallest of glitches can be dealt with. In 3 simple clicks you can buy a travel insurance policy online

There are 3 different types of policies available online

• Single trip family floater: Under this policy, the entire family is collectively entitled for sum insured of $50,000 to $500,000 as per the Sum Insured opted. Family members covered under floater are self, spouse, dependent children less than age 21 years and dependent parents.

• Single trip individual: Under this policy, an individual between the ages of 6 months-70 years can be insured for Sum Insured of $50,000 to $500,000 as per the Sum Insured opted in a hassle free way without any medical report requirements.

• Annual multi trip worldwide plan: This policy is suitable for professionals who take multiple trips in a year for business purposes. The maximum limit for one trip under the multi trip travel insurance policy can range from 30 to 45 days. Under this policy there are two plans namely, Platinum and Gold with sum insured as $500,000 and $250,000 respectively.

Travel insurance benefits

When buying insurance, it is always best to inquire about all the benefits on offer and not just for common emergencies.

• Medical emergency & hospital cost: If unfortunately you fall sick and need to be admitted to the hospital, you will be covered for 24x7 hospital assistance, emergency evacuation, hospital stay and medicine bills as well as surgery cost.

• Lost baggage: Baggage losses are common. With travel insurance, you will be reimbursed for the baggage loss.

• Cash loss: If you have your cash stolen, your travel insurance will help you by providing emergency cash assistance

• Permanent disability: God forbid, if you meet with an accident that causes permanent disability, you will get compensation amount for a period of over 12 months after you return from the trip

The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales.

This blog has been written by

Kavita Ganesh | AVP HDFC ERGO

With over 10 years of work experience in Health, Accident & Travel Insurance in underwriting, claims, analytics, product development and project management, Kavita Ganesh is deeply intrested in simplying insurance for consumers. Right from improving end consumer's experience while browing through policies to simplying systems in the field of travel insurance, she's excelled the art of implementing convenience for customers while buying travel insurance.

Dr. Kavita Ganesh recommends buying Travel Insurance for all the international trips that you take to ensure you have a hassle free trip while you are abroad. With 8 lacs+ cashless network hospitals across the world, she believes in HDFC ERGO's quick claim settlement systems.