Travel is one of the life’s greatest pleasures, but, unforeseen
events can complicate even the most carefully planned trip. Loss of luggage, passport
loss, canceled flights, or medical emergency can turn a relaxing vacation into a
taxing experience. It's often pitched as the best protection for those traveling
Travelers spend time to discuss
and finalize many things while planning for a vacation – ideal destination,
local activities, things to pack and itinerary etc. to make their trip the most
enjoyable and relaxing. Efforts are taken to ensure that every trip is an ideal
one. Having said this, what people overlook is factors that are out of control,
which can spoil the overall trip. Theft or medical emergencies in a foreign land,
loss of vital documents like passport or change in flight details. It is important
to plan in advance the risk aversion and mitigation in case of any such event.
This is where travel
to your aid by compensating you for the unforeseen emergencies while traveling.
Every traveler has a query on the travel
insurance cover. The key eventualities covered under travel insurance are Emergency
Medical Expenses, Medical Evacuation, Repatriation of remains, Accidental Death
and Permanent Total Disability - Common Carrier, Flight Delay, Financial Emergency
Medical Expenses, Medical Evacuation and Repatriation of remains:
The policy helps
you cover medical expenses if you become ill or injured while traveling overseas.
It covers outpatient, in-patient, medical aid, therapies and diagnostic tests as
described in the policy schedule. The policy also provides coverage for medically
necessary evacuation and transportation to medical facilities. Evacuation to the
home country is covered up to the medical sum insured chosen. This becomes extremely
useful when you become stranded in a remote rural area without easy access to needed
In case of death of the
insured overseas, funeral expenses or expenses of repatriating the remains back
to India are also paid.
Death and Permanent Total Disability - Common Carrier:
The company will pay the sum insured specified in the schedule
if the insured sustains Accidental Bodily Injury during the course of the journey
while travelling in a common carrier like Bus, Train and flight and if such bodily
injury results in death or permanent total disability.
Flight Delay and
other travel events:
policy compensates to the insured if the aircraft is delayed for more than 12 hours
than the original scheduled departure time. In case of loss of passport, the policy
covers the expenses incurred in obtaining a fresh or new passport.
In case of permanent loss of checked-in baggage or for the
purchase of toiletries, clothing and medication due to delay of checked-in baggage
for more than 12 hours the insured is paid compensation.
Personal and Financial Emergency:
In case of theft, pilferage, robbery or dacoity of the insured’s
travel funds a fixed amount is paid as emergency assistance up to the limits specified
under the Policy. Also, compensation is paid to the third party for damages resulting
from death, injury or damage to health or property caused involuntarily by the insured.
cover is provided in the event of the hijack of the common carriers in which the
Insured Person is traveling whilst on the trip abroad during the period of Insurance.
An allowance will be paid for each day of the hijack.
Insured is paid the cost of Hotel
accommodation, if the Insured Person sustains Bodily Injury or Sickness resulting
in a Hospital stay as an in-patient and misses his/her flight back to the country
Bon Voyage & Have a safe travel !!!