Travel Insurance
Covers medical emergencies and trip disruptions while you travel, mainly outside India.
What it covers
- Emergency medical treatment and hospitalisation abroad
- Medical evacuation and repatriation
- Trip cancellation or interruption for listed reasons
- Loss or delay of checked-in baggage and loss of passport
What is usually not covered
- Pre-existing conditions, unless specifically covered
- Adventure sports, unless added
- Travel against medical advice
Exact inclusions and exclusions depend on the policy you buy. Always read the policy wording.
Who it is for
- Families and individuals travelling abroad
- Frequent business travellers
- Students going overseas
- Senior citizens visiting family abroad
Plan types you can request
- Single-trip travel cover
- Cover for one journey with fixed dates.
- Multi-trip annual cover
- One policy for all trips in a year.
- Student travel cover
- Long-duration cover for students studying abroad.
Important considerations
Visa requirements
Some destinations, including Schengen countries, require travel medical insurance with a minimum cover to issue a visa.
Medical cover amount
Treatment costs vary widely by country. Cover that is adequate for South-East Asia may be too low for the USA or Canada.
Age and health
Premiums rise with age, and travellers above a certain age may need a medical declaration.
Trip dates
Cover must start on or before departure and run until you are back in India.
Typical requirements
An advisor will usually ask for:
- Destination countries
- Travel dates
- Age of each traveller
- Existing medical conditions
- Purpose of travel
Documents required
Keep these ready to avoid delays:
- Passport copy for each traveller
- Visa, if already issued
- Flight itinerary