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 any time. Often considered an unnecessary expense, travel insurance has now become a mandatory thing like car insurance.
Choosing the right one is also a crucial decision, this is where we make it easier. More than trip cancellation benefits, Religare travel insurance focuses on medical benefits like evacuations and more. Travel insurance protects you and your family in case of mishaps or difficulties during travel. Be it occasional travellers or regular flyers, everyone needs travel insurance based on their needs. Travel insurance provides protection according to the geographical location of the plan. There are specific covers of travel insurance for Schengen visa and International travel insurance. So, to tackle the risks of travelling 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 insurances come with different plans for different requirements. There will be comprehensive coverage of both medical and health benefits through Religare travel insurance. So, instead of considering travel insurance as just another means of expense, consider it as a useful means to make your travel free of worries. Your travel insurance will cover unexpected medical bills during travel, losses, cancellations and much more. It is the era of the modern world, so getting your own travel insurance online is a hassle-free job. It can be done with a few clicks online. Instant payments mean getting insured within minutes online.
Out of different types of travel insurance online like individual travel insurance, student travel insurance and family travel insurance, Religare travel insurance provides instant and fast processing of travel insurances. Travel insurances not only covers the medical expenses but also covers the loss of luggage, loss of passport and more. Being one of the insurance types which has not gained the prominence it deserves, travel insurance is often mistaken when it comes to understanding it and its concepts. In spite of meticulous planning for travels, unforeseen mishaps or accidents might occur. In such a scenario, travel insurance comes in handy. Especially for overseas travellers, a travel insurance is the first thing you should be packing before anything else.
Getting your travel insurance from a trusted company like Religare is extremely important. Some people dubiously think that the health insurance will cover all unexpected expenses and a travel insurance is not mandatory. Religare travel insurance offers policy coverage to cover the expenses of both in-patient and an out-patient medical bill of the insurer. Unlike other travel insurance online which do not cover the charges for medical emergencies due to pre-existing medical ailments, Religare takes such existing diseases into considerations as well and provides coverage in case the condition of the patient is life-threatening and needs immediate medical help. Not merely covering the hospital bills like other existing travel insurances in the market, Religare travel insurance also provides daily allowances for the patient during their stay in the hospital. Such daily expenses for the patient may be transportation, meals, communication expenses and more.
Religare international travel insurance covers the expense incurred for medical evacuation and transportation charges for the insured in case of the emergency medical requirement in any network hospitals that are close by. Religare offers customised travel insurance packages according to one's own requirements. There is a 24/7 customer support from Religare online. Your travel insurance at Religare is issued online instantly making it more convenient than any other insurance providers. Excellent customer support for any assistance regarding the details of the travel insurance plans or for settlements, Religare assistance is always available. So, any problem or dispute is also addressed 24/7 at Religare.
There are three distinctive types of travel insurance. They are for individuals, students and groups. Accordingly, there is a travel insurance policy that suits each individual's distinct needs.
First one is for a maximum period of 45 days per trip and the second one is for a maximum of 60 days per trip.
Three main types of travel insurance provided by Religare are Explore, the Student Explore, and Group Explore.
Applicable worldwide, Religare travel insurance policy can be customised according to the geographical location. You can get country-specific travel insurance plans in Religare to suit your requirements. The international worldwide travel insurance 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 separate international travel insurances for each trip. Whereas for students who take a flight to pursue their studies abroad, student travel insurance can be availed.
Religare international travel insurance has many benefits compared to other market policies. A 2-way compassionate visit which provides coverage for one family member of the insurer to fly to the location of the insurer. In case a person who travelled abroad alone with a child is hospitalised, then International travel insurance by Religare covers the expenses of the travel of the child back to the home town. Since the international 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 generalising the cost.
Students in 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, therefore Religare 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. Students who travel abroad to pursue their studies in international universities have extensive benefits through the student travel insurance from Religare. Religare student travel insurance is considered the most cost-effective insurance in India as it has cashless settlements. The student travel insurance is a policy by Religare that covers the unforeseen medical expenses of the students. Once the students are studying abroad, financial emergencies are inevitable. In such a scenario, Religare student travel insurance comes in handy. Religare is the most sought-after student travel insurance as their premiums are comparatively lower compared to other student travel insurances offered by universities. The insurers are assisted with 24/7 customer support to answer any queries relating to the policy.
There is a saying that journeying makes you a storyteller. You can have fruitful memories to cherish with a group travel insurance by Religare when you are travelling as a group. Religare travel insurance for groups provides coverage for both international and domestic journeys. There are single trip policies which provide coverage for a single journey either abroad or domestic. For frequent travellers from office group travel insurance for annual multi-trip is the best. Annual multi-trip policy if cost efficient as it saves the cost of getting single policy done for every single trip. The group travel insurance provides cover for non-medical expenses as well as medical expenses. This group travel insurance for your employees will be a wise choice as perfect corporate travel insurance.
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 and attractive and affordable premium charges and a lot more. Finding and reading the policy to understand what all are covered under the plan is a good practice and renewing insurance online on time is better as you may not be wondering about it when the need arises. Because insurance claims arise out of uncertain causes and hence being prepared for it is a wise decision.
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. For example, other insurance providers may not provide coverage for adventure and sports. So, knowing that better will help you plan your travels better. Religare travel insurance online is popular amongst Indians who travel to US, Australia, UK, Asia and Europe as they provide the most convincing package than their competitors. The following are the exclusions under the Religare travel insurance:
Since travel insurance is very important before your journey, you need to make sure whether you are eligible to buy one as there are certain clauses associated with it. So, it is recommended to book travel insurance before you book your holiday. 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. Religare insurance provides convincing premium rates as it is based on the geographical location and hence finding eligibility criteria and getting a travel insurance from Religare is a smart thing to do.
Let us find out the eligibility criteria for getting a travel insurance policy from Religare.
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 your self-travel insurance 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 cast 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. Travel insurers will get a full amount reimbursement for the medical expenses incurred abroad.
For example, when abroad, like the wonderful destination of Miami, you are holidaying on a beach with soothing music around listening to the gushing water on a bright day. You suddenly happen to bump against a rock, hurt your knee and start bleeding profusely. Now, if you haven't got a travel insurance, you will have to bear the expenses of getting admitted to a hospital and take care of the charges of the treatments all by yourself. Imagine the expenses that this might amount to. Thousands of dollars in a foreign land! So, in such a scenario, a person who has travel insurance might be able to handle the situation with ease as the expenses incurred for hospitalisation is completely covered under travel insurance online. Even the expenses for a medical evacuation is 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.
Continue to read on to know the importance of having travel insurance when travelling abroad.
If you wish to travel abroad around the world, you may be uncertain as to what might come in your way and interrupt your journey. Though travel insurance does not guarantee uncertainties, it surely provides valuable compensations for your medical and non-medical expenses. Which, otherwise, would have been sky-rocketing if you do not carry an international travel insurance policy. Especially to the ones who need to stick to a certain budget for travels, travel insurance comes with so many benefits to save them during crisis. Though you may not wish for any unforeseen situations while travelling abroad, travel insurance certainly protects you with different covers. For students who wish to travel abroad for higher studies student travel insurance based on the requirements of the universities can be applied for higher features.
Religare travel insurance is widely popular as 10% of the sum insured is for pre-existing ailments. Travel insurance protects you from the medical expenses incurred in home town as you may be advised to get treated back in home town from the medical practitioners abroad. Opting for region-specific travel insurance will save your cost as its premiums are calculated base 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 needs overseas travel insurance to save your expenses due to hospitalisation, 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 the universities can be applied for higher features. Students light travel abroad to complete their higher studies in foreign universities or may travel for pursuing a gap year programme. Most often students will be interested in shopping their outfits rather than thinking of travel insurance. Parents also sometimes fail to foresee the importance of international travel insurance 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 and may not be equipped with more money which can pay for these hospital bills. In such a case, if the student has enough cover in the form of international travel insurance, then the hospitalisation 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 in travel insurance wherein if suppose there is a demise of the sponsor for the student suddenly, then the expenses for the 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 travel insurance will help you get a policy with a comprehensive package covering major requirements whilst travelling.
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. If there arises a need for reimbursements or claims from your travel insurance following simple steps will help your insurance claim better and easily:
There are certain pre-requisites you need to follow to make your insurance claim process easier.
The premium amount for your travel insurance plan can be calculated online using online insurance premium calculators. These insurance premium calculators give you a rough idea about the cost involved in getting travel insurance. These calculators take in various inputs and do scientific calculations and help you know your travel insurance better. The geographic location of your travel has to be input. Be it US, Australia, Asia or Schengen region that needs to be specified as travel insurances are area specific. Your date of birth to know your age and to check if you fall under the maximum age limit for getting travel insurance. Your duration of the travel also needs to be specified. Then you can select if you are going with a classic package or premium package for your travel visa after you submit these details your 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.