Travel Insurance
Travel insurance, According to Wikipedia Travel is the movement of people between distant geographical locations. Travel can be done by foot, bicycle, automobile, train, boat, bus, airplane, or other means, with or without luggage, and can be one way or round trip. Travel can also include relatively short stays between successive movements. Tourism is travel for pleasure or business; also the theory and practice of touring, the business of attracting, accommodating, and entertaining tourists, and the business of operating tours. Popular destinations among Indians may be international, or within the traveller’s country.
The World Tourism Organization defines tourism more generally, in terms which go “beyond the common perception of tourism as being limited to holiday activity only”, as people “traveling to and staying in places outside their usual environment. The UNWTO Report for 2018 also illustrates the modes of transport that all travellers use when they travel (see the chart below):
- Accidental expenses
- Sickness expenses
- Dental treatment
Travel Exigencies
- Trip cancellation
- Flight delay
- Airline/Hotel bounced booking
- Missed connection
Baggage & Documents
- Baggage delay
- Baggage loss
- Passport loss
Other Medical Coverages
- Accidental death
- Medical evacuation
- Repatriation of remains
Financial Emergencies
- Emergency cash advance
- Fraudulent charges
Other Non Medical Benefits
- Home burglary
- Personal liability
- Hijack coverage
What Are The Various Visitor Travel Insurance Plans?
International Travel Insurance
Overseas travel insurance, also known as overseas mediclaim policy offers cover for travellers going abroad on Leisure or Business. It offers general insurance coverage for medical and non medical emergencies like Accident & Sickness Cover, Trip Cancellation, Passport Loss, Personal Liability, Baggage Loss/Delay etc
Coverages offered:
- Emergency Accident & Sickness Reimbursement
- Sickness Dental Coverage
- Medical Evacuation
- Repatriation of Remains
- Baggage Loss/Delay
- Trip Cancellation/Curtailment
- Passport Loss
- Personal Liability
- Trip/Flight Delay
- Missed Connection
- Bounced Hotel/Air Booking
- Emergency Cash Advance
Policy exclusions:
- Any Pre-existing Condition
- Routine physicals or other examination
- Elective, cosmetic, or plastic surgery
- Suicide, (AIDS), / (HIV) infection
- Under the influence of drugs, alcohol, or other intoxicants
- Loss arising out of War, civil unrest, Terrorism
- Congenital anomalies
- Participation in Adventure Sports
- Pregnancy related conditions