Embarking on a trip often requires a lot of prior preparations. From shopping to packing the items needed for the trip, everything demands care. To cover unexpected, out of pocket expenses, people get travel insurance to have a safe and fruitful trip. Though you make many preparations to be safe and make your travel experience a memorable one, there are uncertainties that can make their way at any time.
Choosing the right travel insurance plan one is also a crucial decision. More than trip cancellation benefits, Religare travel insurance focuses on medical benefits like evacuations. Be it occasional travellers or regular flyers, everyone needs travel insurance based on their needs. So, to tackle the risks of traveling abroad like loss of passport, loss of checked baggage and delays, getting Religare travel insurance is a wise choice.
Catering to people in all walks of life, there is always a type of travel insurance that suits their requirements in a cost-effective way. Travel insurance plans come with different plans for different requirements. There will be comprehensive coverage of both medical and health benefits through Religare travel insurance.
Travel insurance is one of the most important aspects through which you can ensure that you have a secure journey. Buying travel insurance is a sensible decision as it will protect you from any unpredictable traveling accidents such as missed flight, injuries, natural calamities, tourists' agencies going bankrupt, getting ill in a foreign country, becoming the victim of terrorist attacks, etc.
There are a wide variety of travel insurance plans that one can choose from. While some of these packages provide coverage for missed flights, others cover medical evacuation or unforeseen flight accidents. Check out some of the travel insurance coverage that Religare offers to its customers.
Getting your travel insurance from a trusted company is extremely important. Some people dubiously think that health insurance will cover all unexpected expenses and travel insurance is not mandatory. Religare travel insurance offers policy coverage for the expenses of both in-patient and out-patient medical bill of the insurer.
There are three distinctive types of travel insurance. They are for individuals, students, and groups.
Single trip insurance is valid for a single trip and has validity for a set number of days. The policy period in single trip insurance can be for a duration of 365 days. Single trip insurance is for occasional or non-frequent travelers. For people who are regular flyers, there is a policy that suits their needs which is the Multi-trip travel insurance.
Applicable worldwide, Religare travel insurance policy can be customised according to the geographical location. You can get country-specific international travel insurance plans covers various medical benefits and non-medical benefits. Here you pay per-day rates rather than for slabs, thereby reducing the cost. Some of the medical benefits of overseas travel insurance at Religare include hospitalisation cover which includes the bill of both in-patient and out-patient department.
There are some countries which specify that carrying a medical insurance is mandatory. For instance, in the Schengen region, some types of medical insurance is definitely a prerequisite before getting a visa. The Schengen region is a collective collaboration of 26 European countries which act as one single country to facilitate international travel plans. Even for countries which do not specify the need for travel insurance, it is always advisable to have one as any medical expense outside India is definitely 10 times costlier than the home town. So, to be on a safer side always get your international travel insurance before flying.
For frequent travellers, the multi-trip policy can be availed which can help in saving the cost of getting a separate travel insurance for each trip.
Religare international travel insurance has many benefits compared to other market policies. A 2-way compassionate visit provides coverage for one family member of the insurer to fly to the location of the insurer. Since the travel insurance is geographic based plans, it is cost-efficient as they are framed by considering the medical expenses in that particular region rather than generalizing the cost.
Students abroad are prone to a high risk of uncertainties when they are away from family and friends. The cost of casualties and hospitalization abroad may be exorbitantly high. Student travel insurance provides cover for such cases.
If students avail travel insurance, they can focus only on studies and be back with good memories. Student travel insurance is considered the most cost-effective insurance in India as it has cashless settlements. The student travel insurance policy covers unforeseen medical expenses of the students. For the students who travel to study abroad, financial emergencies are inevitable. In such a scenario, student travel insurance comes in handy. The insurers are assisted with 24/7 customer support to answer any queries relating to the policy.
Travel insurance for groups provides coverage for both international and domestic journeys. There are single trip policies that provide coverage for a single journey either abroad or domestic. For frequent travellers, travel insurance for annual multi-trip is the best.
The annual multi-trip policy is cost-efficient as it saves the cost of getting a single policy done for every single trip. The group travel insurance provides cover for non-medical expenses as well as medical expenses.
Religare travel insurance has gained prominence in the country due to its impressive package which covers medical expenses, non-medical expenses, automatic policy extension, insurance renewals, attractive and affordable premium charges and a lot more.
Though we have discussed various aspects covered under Religare travel insurance, there are certain criteria which are not covered under it. Exclusions can be defined as those cases which do not get coverage under the policy. Hence, it is advisable to check the exclusions of your travel insurance policy to know what is not included in it.
Religare travel insurance is popular amongst Indians who travel to Australia, US, UK, Asia, and Europe as they provide the most convincing package than their competitors. The following are the exclusions under the Religare travel insurance:
Selecting the right kind of travel insurance may help you save a lump-sum amount in case you land up with a medical expense abroad. However, you need to make sure whether you are eligible to buy one as there are certain clauses associated with it. Let us find out the eligibility criteria for getting a travel insurance policy.
Most of us plan a lot for our travels and get so many things ready to make our journey fruitful. But, we often tend to overlook the prominence of travel insurance. Travellers are more prone to uncertainties and illnesses when abroad and there is no sure way to assure you a safe trip. Hence getting travel insurance for you and your family saves your cost and time involved when there is a need for medical and non-medical expenses abroad.
Getting yourself insured does not protect you from such misfortunes that happen but eventually provides compensation in the form of reimbursements or paying the medical bills. etc. Medical treatment may cost you hefty in an unknown land especially if there arises a need for major operations due to illness; then travel insurance will help you pay the bills. Even the expenses for medical evacuation are borne by the travel insurance and you will be admitted to a nearby network hospital by the insurance providers. Thus, to protect you from exorbitant medical expenses abroad, you should buy travel insurance.
Yes, it is definitely recommended to get travel insurance when travelling abroad due to various valid reasons. Though it does not guarantee protection against uncertainties, it surely provides valuable compensation for your medical and non-medical expenses. Which, otherwise, would have been sky-rocketing if you do not carry a travel insurance policy. Especially to the ones who need to stick to a certain travel budget, travel insurance comes with so many benefits to save them during the crisis.
Religare travel insurance is widely popular as 10% of the sum insured is for pre-existing ailments. It protects you from the medical expenses incurred in the home town as you may be advised to get treated back in hometown from the medical practitioners abroad. Opting for region-specific travel insurance will save your cost as its premiums are calculated based on the medical expenses of that particular geographical area.
Losses, cancellations, and delays during your flight may be daunting as they arrive without notice. So, obtaining travel insurance will provide cover for expenses incurred for getting a lost passport or loss of checked-in baggage. Travelling abroad requires overseas travel insurance to save your expenses due to hospitalization, cancellation of flights, lots of things like checked baggage and passport, etc.
For students who wish to travel abroad for higher studies, student travel insurance based on the requirements of universities can be applied. Most often students will be interested in shopping their outfits rather than thinking of travel insurance. Parents also sometimes fail to foresee its importance for their ward and bid adieu without proper cover.
Suppose a student meets with an accident abroad, then imagine the trauma for the student who is undergoing surgery in the hospital. Students might have money to handle their daily expenses but may not be equipped with more money to pay for these hospital bills. In such a case, if the student has enough cover in the form of travel insurance, then the hospitalization expenses and medical evacuation charges will be borne by the insurance company- making it more convenient for the student to get treated and recover without worrying much about the expenses.
There is room for sponsor protection wherein if there is a demise of the sponsor for the student, then the expenses for the completion of student's education to be completed will be completely borne by the travel insurance company.
There are certain factors or criteria to watch out for before jumping into buying travel insurance. Considering such factors before getting online travel insurance will help you get a policy with a comprehensive package covering major requirements whilst traveling.
If you are looking for travel insurance, then remember the following pointers before buying one.
Since travel insurance has some similarities to health insurance, people often get confused to identify the difference between the two.
Travel insurance offers immense benefits and covers spread over a wide range of issues. There are certain prerequisites you need to follow to make your insurance claim process easier. If there arises a need for reimbursements or claims, following simple steps will help your insurance claim better and easily:
The premium amount for your insurance plan can be calculated online using an online travel insurance premium calculator. It gives you a rough idea about the cost involved in getting travel insurance. The following details are to be provided to calculate the travel insurance premium.
After you submit these details premium amount will be displayed for your online travel insurance.
People are opting to buy insurance directly from the insurance providers instead of choosing the ones provided by employers to get more cover for various reasons. To port travel insurance, you need to enter your premium amount and then register online with Religare and get started with the new package.
Disclaimer: For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.
UIN: IRDA/NL-HLT/RHI/P-T/V.II/23/14-15. UAN2: 19032844.