Whether you are on a family vacation or on a corporate trip, travel insurance is your crucial companion during the visit. Last month my friend visited the United States to attend his company?s annual conference. On the final day he lost his baggage but luckily he was still having his passport with him. The lost baggage contained his laptop, mobile, camera & some other personal items but luckily his company was having sufficient group travel insurance. Else you can imagine that other than jet-lag he would have had nightmares at home.
Travel Insurance ? Your Partner
With the onset of economic liberalization, the banking and insurance industry in India has rapidly grown in terms of number of customers and capital. There are wide variety of insurance products that offer a variety of options in vehicle insurance, life insurance, accidental insurance, health insurance and travel insurance.
An all-inclusive travel insurance plan offers travelers full-fledged cover against unexpected medical and non-medical expenses while traveling in India or abroad. In recent years, people have started taking travel insurance in India seriously and therefore a number of leading insurance providers introduced affordable and consolidated travel insurance plans to the customers. These plans offer best insurance cover against accidental injuries, third-party liability and loss of baggage etc.
Travel Insurance: An Emerging Phenomenon
A travel insurance plan offered by the leading insurance players gives travelers emergency, accidental and health coverage at very low rates of premium amounts. A standard and comprehensive insurance policy covers the buyers against various eventualities while traveling within India or abroad.
Some of the leading companies offering travel insurance in India are;
- New India Assurance
- Bajaj Allianz General Insurance Co
- ICICI Lombard General Insurance Co
- Tata AIA General Insurance Co
- IFFCO Tokyo General Insurance Co
With so many insurance companies in the market, it?s probably difficult for travel insurance seekers to choose the insurance policy that serves their requirements in the best possible manner. While buying travel insurance in India, compare available insurance products based on several vital parameters. It will help you to get an idea about the products and companies that accomplish your interest.
An Array of Benefits That You Count On?
Due to the presence of numerous insurance carriers in the travel insurance domain, subscribers have got an opportunity to select a carrier that suits them best. The insurance plans these insurers offer cover financial emergencies during the travel.
In the long list of features you may avail benefits like Checked-In Baggage loss/delay and global cashless hospitalization as well.? Carriers offer travel insurance cover for personal accident, medical expenses and repatriation, and loss of checked baggage etc.
Get Even More With Overseas Travel Insurance??
Although every individual carrier talks about certain benefits, travelers get a standard set of features and advantages with every overseas travel insurance in India irrespective of the insurance company or insurance provider. These standard insurance benefits include:
- Dental expenses
- Loss of passport
- Accidental death or disability
- Medical evacuation
- Medical expenses
- Trip curtailment
- Trip cancellation
- Personal theft
To attract more travelers to buy travel insurance in India, overseas travel insurance providers across the country offer amazing deals and features with every travel insurance plan. Now overseas travelers can buy travel insurance in lowest premium and with additional global cashless hospitalization facility also. To make the deals more feasible and hassle-free, most of the insurance carriers provide their plans without any potential medical check-up.
Research Well To Get the Best Deals on Travel Insurance
Insurance carriers put their best efforts to offer every possible feature and advantage with an individual travel insurance plan. Most of the policies however do not cover certain conditions quoted in a carrier?s policy brochure. Among such conditions, life-threatening situations, Venereal diseases, Radiation, AIDS, HIV and Mental disorder are primary. Browse as many websites of insurance carriers to compare the quotes and service offerings to clinch a deal that suits you best.
Summary: Apart from covering Dental expenses, Accidental death or disability, Medical evacuation, Trip curtailment and various others, travel insurance also covers the expenses incurred when trip cancellation or personal theft takes place. All these insurance benefits are available to the customers in affordable price tag.
We all know that traveling abroad is quite exciting, but are you aware of the fact that it is challenging at the same time? Before you leave for the trip, you need some planning and preparation. Besides your passport, money, tickets and luggage, the next most important thing for your trip is overseas travel insurance plan. Until you come back to India, this plan would guard you from any unexpected events.
About Hemant Beniwal
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