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Types of Travel Insurance for UAE
You can choose from the different types of travel insurance for UAE in accordance with your trip requirements. The main options are;
Travel Plans for Individual
For the solo wanderers and thrillseekersThis type of policy protects solo travellers from contingencies that they might face during their travel. The HDFC ERGO individual UAE travel insurance is packed with plenty of features and benefits to keep travellers financially covered in case of both medical and non-medical emergencies.
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Travel plan for Families
For families travelling togetherWhen going on a foreign trip with your family, you have to consider a lot of factors for their safety and well-being. The UAE travel insurance for families offers coverage to multiple members of the family under a single plan during their travel.
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Travel plan for Students
For individuals accomplishing their dreamsThis type of plan is for students visiting UAE for study/education-related purposes. It will keep you secure against a variety of contingencies, including stay-related coverage like bail bonds, compassionate visits, sponsor protection, etc., so you can focus on your studies during your abroad stay.
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Travel plan for Frequent Fliers
For the ones flying frequentlyThis type of plan is designed for frequent flyers, offering coverage for multiple trips under one comprehensive policy. With the HDFC ERGO frequent flyer travel insurance, you won't have to worry about buying travel insurance for every trip within the specified policy timeframe.
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Travel Plan for Senior Citizens
For the ones who are forever youngThis type of plan is specially designed to offer coverage to senior citizens against a variety of complications that may happen on an international trip. The HDFC ERGO senior citizen travel insurance for UAE will ensure you stay covered in case of medical and non-medical uncertainties during the trip.
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Benefits of Buying Travel Insurance UAE
The following are the benefits of acquiring a travel insurance UAE plan:
Trip Cancellation
Protect your expenses if unforeseen events force you to cancel or delay your journey.
Coverage for Personal Liability
Shield against third-party claims or damages incurred during your travel.
Medical Coverage
Secure assistance for unexpected illnesses or injuries during your UAE trip, easing financial burdens.
Emergency Assistance
Access 24/7 support for emergencies, including medical evacuation, ensuring prompt aid.
Baggage Protection
Reimbursement for lost, stolen, or damaged luggage ensures a worry-free travel experience.
Additional Benefits
Enjoy added perks like flight delay compensation and coverage for adventure activities, enhancing your travel security.
What's Covered under Travel Insurance for UAE from India
Here are some of the things that are usually covered under travel insurance for UAE from India;
Emergency Medical Expenses
This benefit covers hospitalization, room rent, OPD treatment, and Road Ambulance costs. It also reimburses expenses incurred on Emergency Medical Evacuation, Medical Repatriation and Repatriation of mortal remains.
Dental Expenses
We believe dental healthcare is just as important as hospitalization due to physical illness or injury; hence, we cover dental expenses which can occur during your travel. Subject to policy terms and conditions.
Personal Accident
We believe in seeing you through thick and thin. In the event of an accident, while traveling abroad, our insurance plan provides a lump sum payment to your family to assist with any financial burdens caused by permanent disablement or accidental death.
Personal Accident : Common Carrier
We believe in being by your side through ups and downs. So, under unfortunate circumstances, we will provide a lump sum payout in case of accidental death or permanent disablement arising out of an Injury whilst on a Common Carrier.
Hospital cash - accident & illness
If a person is hospitalized due to injury or illness, we will pay the per day Sum Insured for each complete day of hospitalization, up to the maximum number of days stated in the Policy Schedule.
Flight Delay & Cancellation
Flight delays or cancellations may be beyond our control, but worry not, our reimbursement feature allows you to meet any essential expenses arising from the setback.
Trip Delay & Cancellation
In case of a trip delay or cancellation, we will refund the non-refundable portion of your pre-booked accommodation and activities. Subject to policy terms and wordings.
Loss of Passport & International driving license
Losing important documents can leave you stranded in a foreign land. So, we will reimburse expenses related to obtaining a new or duplicate passport and/or international driving license.
Trip Curtailment
Don't worry if you have to cut your trip short due to unforeseen circumstances. We'll reimburse you for your non-refundable accommodation and pre-booked activities as per the policy schedule.
Personal Liability
If you ever find yourself liable for third-party damage in a foreign land, our travel insurance helps you compensate for those damages effortlessly. Subject to policy terms and conditions.
Emergency Hotel Accommodation for Insured Person
Medical emergencies may mean you need to extend your hotel booking by a few days more. Worried about the added expense? Let us take care of it while you recover.subject to policy terms and conditions
Missed Flight Connection
Don't worry about unexpected expenses due to missed flight connections; we will reimburse you for the expenses incurred on accommodation and alternate flight booking to reach your destination.
Hijack Distress Allowance
Flight hijacks can be a distressing experience. And while the authorities help sort out the issue, we'll do our bit and compensate you for the distress it causes.
Emergency Cash Assistance Service
When traveling, theft or robbery can lead to a cash crunch. But don't worry; HDFC ERGO can facilitate fund transfers from the insured 's family in India. Subject to policy terms and conditions.
Loss Of Checked-In Baggage
Lost your checked-in baggage? Don't worry; we'll compensate you for the loss, so you don't have to go without your essentials and vacation basics. Subject to policy terms and conditions.
Delay of Checked-In Baggage
Waiting is never fun. If your luggage gets delayed, we'll reimburse you for essentials like clothing, toiletries and medication so you can start your vacation worry-free.
Theft of baggage and its contents
Theft of baggage can derail your trip. So, to ensure your trip stays on track, we'll reimburse you in case of baggage theft. Subject to policy terms and conditions.
The above mentioned coverage may not be available in some of our Travel plans. Please read the policy wordings, brochure and prospectus to know more about our travel insurance plan.
Documents Required For The UAE Tourist Visa
In order for you to travel to the UAE, you need a tourist visa. The following are the documents required for your UAE Tourist visa:
• You will need a valid passport (at least 6 months' validity).
• A completed and signed Dubai visa application.
• Passport-sized photos.
• A copy of your tour ticket.
• A Detailed itinerary of your stay
• Comprehensive cover letter outlining your itinerary.
• Proof of hotel and flight bookings.
• Address verification.
• Sponsor's letter if hosted by a friend/relative in Dubai.
• Bank statement (last 6 months) proving adequate finances.
UAE Safety And Precautionary Measures To Be Undertaken
When travelling in the UAE, there are some safety precautions to be kept in mind, to have a better experience and enjoy to the full extent. Here are some to keep in mind:
• Understand and adhere to local customs, dress codes, and social norms to show respect. During Ramadan, respect fasting hours; avoid eating, drinking, or smoking in public areas during daylight hours out of consideration for those observing the fast.
• Respect falcons, a symbol of heritage; avoid approaching or disturbing them without proper guidance.
• Stay hydrated and avoid prolonged exposure to the sun during hot months; use sunscreen and appropriate clothing.
• During sandstorms, protect your eyes with goggles and cover your nose and mouth with a mask or cloth to prevent inhalation of dust.
• Stay updated on current health guidelines, including mask-wearing and vaccination requirements, as regulations may change.
• Be mindful of public displays of affection, as it may be considered offensive in certain areas.
• Respect boundaries around military zones and restricted areas, following local regulations.
• Keep emergency numbers handy and be aware of the nearest medical facilities or embassies for assistance.
• Avoid mishandling or disrespecting currency, as it bears images of the country's leaders and should be treated with reverence.
Local Law And Etiquette In UAE
When in the UAE, keep these local laws and etiquette in mind while travelling:
• Emirati culture values modesty; dress modestly in public places, especially during religious site visits.
• Public displays of affection are frowned upon, maintain discretion in public.
• Drinking in public is illegal, and confined to licensed venues like hotels and bars.
• During Ramadan, refrain from eating, drinking, or smoking in public places during daylight hours.
• Avoid taking photos of individuals without permission, especially women and government buildings.
• Be mindful of Friday prayer timings; some businesses may close temporarily during this time.
• UAE laws demand respect for authority; and follow instructions from police or government officials.
• Strict anti-drug laws; possession or trafficking of drugs can lead to severe penalties, including imprisonment or deportation
• Use the right hand for greetings or when accepting gifts, as the left hand is considered impure in Emirati culture.
Money Saving Tips in UAE
When visiting a destination like the UAE, saving money is important to explore all the best places while you're there.
Here are some money tips for you to consider when you visit the UAE:
• Consider staying in budget-friendly accommodations like hostels or guesthouses, especially in areas like Deira in Dubai or affordable hotels in Sharjah.
• Plan your trip to the UAE during shoulder seasons or off-peak months (May to August) to find better deals on accommodation and activities.
• Opt for Nol Cards in Dubai or Hafilat Cards in Abu Dhabi for discounted fares on public transport, including metro, buses, and trams.
• Discover free attractions like the Dubai Fountain Show, and Jumeirah Beach Corniche, or explore historic areas like Bastakiya in Dubai.
• Use Entertainer Vouchers: Utilise the Entertainer app offering 'Buy One Get One Free' deals on dining, entertainment, and attractions.
• Explore local markets and small eateries offering authentic Emirati cuisine at more reasonable prices compared to high-end restaurants.
• Take advantage of mega shopping festivals like Dubai Shopping Festival and Abu Dhabi Summer Season for discounts on a wide range of products.
• Carry your water bottle and snacks while touring to avoid spending on expensive beverages and food at tourist spots.
• Secure tickets for attractions, tours, and activities online in advance to benefit from early bird discounts.
• Before your trip, compare and choose the best travel insurance for UAE from India or other countries, ensuring coverage tailored to your needs at competitive rates. Exploring options for UAE travel insurance online helps secure comprehensive protection against unforeseen situations, saving you from unexpected expenses.