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Travel Insurance Policy
Travel Insurance Policy
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Travel Insurance Policy
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Introduction
Who can take this Policy?
Coverage
Add on Covers
Basis of Sum lnsured
Exclusions
Introduction

Travel insurance is designed to allow travelers to obtain adequate health care and certain other travel related benefits while abroad which typically are not covered by their domestic insurance plan. Whether you travel for business or pleasure, international travel involves risk.

Who can take this Policy?

Any person who want to get himself cover against any eventuality during travel which include domestic or international travel. Anyhow, for international travel the said policy is mandatory to buy before flying / departure.

Coverage

  • Medical Expenses and Repatriation covers hospitalization expenses for accident or illness, including medical evacuation wherever necessary.
  • Dental 
  • Loss of checked baggage covers total and complete loss of baggage checked in, by an international airline.
  • Delay of checked baggage covers the cost of emergency purchase of replacement items.
  • Personal accident covers death and permanent disability.
  • Loss of passport covers the reasonable and necessary expenses to obtain a duplicate passport or a valid travel documents.
  • Personal Liability covers the legal liability attaching in a private capacity, during the course of overseas travel.
  • Hospitalization Daily Allowance covers daily allowance maximum up to USD 150. Applicable only for Corporate Frequency Traveller Policy holders.
  • For each 24 hrs period the insured is detained by hijackers following hijacking of any aircraft in which the insured is traveling, the company will pay the sum specified in the schedule.
  • Trip delay if the aircraft on which you are booked to travel from India, is delayed beyond 12 hrs, from the original scheduled departure time, then the sum insured in the schedule is paid.

Add on Covers

  • Repatriation of remains
  • Terrorism
  • Accidental death
  • Dental treatment
  • Loss of checked in baggage
  • Delay of checked in baggage
  • Personal liability
  • Loss of passport
  • Daily allowance in case of hospitalization
  • Financial emergency assistance
  • Hijack distress allowance
  • Trip delay
  • Trip cancellation and Interruption
  • Home burglary insurance
  • Compassionate visit
  • Missed connection flight/train

Basis of Sum lnsured

You may select the sum insured as per your paying capacity which is very between 25,000 USD to 500,000 USD generally. Insured may also offer the higher sum insured on special case basis if required.

Exclusions

The policy does not cover due to:

  • Fixed initial amount to be borne by the insured person for all claims
  • If travelling is against the advice of the doctor
  • If the insured person is drug addict or self-injured or suicide clause, no claim will be entertained
  • War or war like operations
  • Nuclear perils

Why Choose PolicyLo.com

Professional and Experienced Team
Professional and Experienced Team
Customized Solutions
Customized Solutions
Strong Relationship With Insurance Companies
Strong Relationship With Insurance Companies
Service Commitment Ontime Everytime
Service Commitment Ontime Everytime
Technological Edge
Technological Edge
Additional Services Offered
Additional Services Offered
Competitive Premium
Competitive Premium
Single Window Solution
Single Window Solution

Important Points to remember while Buying the Policy

Adequate Sum Insured - To Avoid Underinsurance

Always ensure to buy your travel policy well in advance before your travel

  • Always ensure to buy your travel policy well in advance before your travel as insurers would not provide travel insurance once the travelling starts.
Ensure that assets should be covered under the right entity/company

Always share your passport and visa copy

  • Always share your passport and visa copy to avoid any hassle at the time of claim
Risk Location/s should be properly mentioned

PED should be covered on life threatening situations and always go for higher sum insured

  • Pre Existing Disease should be covered on life threatening situations and one always go for higher sum insured
Downloads
Proposal Form
Proposal Form  
Policy Wordings
Policy Wordings  
Claim Form
Claim Form  
Key Documents
General Claim Intimation Format
General Claim
Intimation Format
Immediate Action Client Should Take
Immediate Action Client
Should Take
Indicative General Documents for Settlement of Claims
Indicative General Documents
for Settlement of Claims

Our Insurance Partners

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Claim Case Study - 1

1
Situation
Situation

Insured got heart attack while travelling aboard. He was a diabetic and a cardiac patient.

2
Challenge
Challenge

Majorly all travel policies do not cover the pre-existing disease. Hence, the said insured was not allowed to get the expenses for such hospitalization under travel insurance policy.

3
Solution
Solution

Always get a policy with PED coverage in life threatening situation to get yourself fully covered for such exigencies.

4
Advisory/Conclusion
Advisory/Conclusion

You should seek professional advisory to get a comprehensive policy with sufficient limits including PED coverage in life threatening situations.

Claim Case Study - 2

1
Situation
Situation

Insured’s family wants to bring insured’s mortal remains to country of origin and cost of repatriation is very high.

2
Challenge
Challenge

This cover was not opted while buying travel policy. Insured’s family has to bear all the cost of repatriation of mortal remains.

3
Solution
Solution

Always get a travel policy with the coverage of “Repatriation of Mortal Remains” as it is available at nominal premium.

4
Advisory/Conclusion
Advisory/Conclusion

A travel policy with the minimum limit of 10,000 USD + should be opted for “Repatriation of Mortal Remains”.

Need Assistance

Need Assistance

FAQ's

PREMIUM
COVERAGES
CLAIMS
OTHERS
  • What is a deductible?
    Deductible implies for any claim the deductible amount has to be borne by the insured. The deductible is applicable for medical expenses, dental treatment, loss of passport or documents, delayed checked baggage, hijack distress allowance, etc.
  • What kinds of medical coverage's are provided?
    Medical expenses are covered related to:
    • In-patient treatment in a local hospital at the place of stay at the time of the event.
    • Out-patient treatment would be provided if it is critical.
    • Medical aid for broken limbs or injuries if prescribed by Physician.
    • Pathological and diagnostic tests like X-ray, diagnostic tests, etc.
    • Dental care related to acute anesthetic treatment of a natural tooth or teeth during the trip as a result of an accident.
    • Life saving emergency measures till the insured person becomes medically stable.
    • Transportation and emergency medical evacuation.
  • How would loss of passport, documents and tickets be compensated?
    Insurance company would pay actual expenses incurred to obtain a duplicate or fresh passport or obtain the stolen documents or baggage belonging to the insured.
  • What happens in case of delay in receiving checked in baggage?
    This benefit will reimburse the Insured Person the cost for the purchase of necessary personal effects like toiletries, clothing, medication etc. while the delay of checked baggage has occurred.
  • Why do you need Travel Insurance?
    Travelling abroad on a holiday or business trip, to relax amidst the scenic mountains or beaches, single or along with your family, you need travel insurance for complete peace of mind. It is required to safeguard you from the risk of any financial emergency arising due to illness, accident, injury or any unforeseen event. There can be incidents related to loss of tickets, baggage, documents, trip cancellation, flight delays, etc. When you are travelling away from home, you need to ensure that you are safe and protected to handle any kind of unfortunate events and financial risk.
  • How do I benefit with Travel insurance?
    Overseas Travel insurance would protect you during the times of problems and stress when you are travelling in a foreign land. If there is cancellation of trip, interruption or delay due to illness, injury or bad weather or due to loss of baggage, passport, traveler's cheques, traveling tickets, etc., there would be financial reimbursement offered to cover your financial risk. Medical expenses towards treatment in a local hospital would be provided.Financial emergency assistance would also be provided in case of loss of funds due to theft or any such event. Back home, your house and contents would be protected with a home insurance coverage against fire, allied perils and burglary.
  • How do I choose the best travel insurance?
    While buying travel insurance online you have to select the plan that is right for you. Policy coverage, plan features and price can be the deciding factors for you. Read the policy wordings carefully to learn what is included and excluded in your policy. If you are a frequent traveler consider an annual policy that covers multi trips. Check for coverage including:
    • Medical coverage and evacuation
    • Personal accident
    • Loss of documents & baggage
    • Trip delay and cancellation
    • Financial emergency assistance
    • Loss of Deposit or cancellation for Hotel and Airline
    • Legal expenses
  • How can I buy Travel Insurance online?
    You can buy Travel Insurance online through a simple and easy process. Fill in your details to generate a quick quote, select your plan according to your needs and the premium that suits you, proceed to buy and pay online through net banking, credit and debit card.Your overseas travel insurance policy would be generated in minutes and a confirmation emailed to you on your registered email id. You will receive the policy document in the PDF format within few hours to one working day. Details such as your name, policy number, toll-free number to address your claims would be included in that.

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