Which Is The Best Travel Cover For You? Compare These Types Of Travel Insurance

Travel insurance is a crucial consideration that shouldn’t be overlooked while travelling abroad for business, pleasure, or graduate study. However, it might be challenging to pick the best travel insurance plan out of all the possibilities on the market. Here, we attempt to guide you through the maze. In India, there are basically three different types of travel insurance: single-trip, multi-trip, and family travel insurance. 

Travel insurance options available in India 

  • Single trip travel insurance 

As the name implies, this usually offers benefits of travel insurance for those who only travel sometimes. The longest period of coverage allowed by this kind of travel insurance policy is six months. Businessmen, individuals, and families that want to travel abroad for important occasions can benefit from these kinds of programmes. Accidental passing away, emergency evacuation, medical expenses, disablement benefits, and delayed departure & baggage are the most popular coverages included in single-trip travel insurance plans. 

  • Travel Insurance for multiple trips 

This was created especially for persons who frequently travel abroad, is good for one year and gives the customer a choice of trip lengths of 30, 45, 60, or 90 days. Because the traveller only needs to pay the premium once, regardless of how many trips they take over the entire year the policy is in effect, they will be protected for the entire journey. No matter how many trips the traveller takes during the coverage period, they just need to pay the premium once each year. 

  • Family travel insurance

Family floater plans, usually referred to as family travel insurance, offer complete financial protection to the entire family who intends to go abroad for a single trip. Single insurance with a single premium covers the entire family. Here, family members split the insurance payout. 

  • Senior citizen travel insurance 

Individual travel insurance policies for senior citizens over 60 are called senior citizen travel insurance plans. Pre-existing conditions are covered under senior citizen travel insurance policies. These programmes are geared toward the elderly. Along with the usual coverage for baggage loss and flight delay cancellations, among other things, a bajaj allianz travel insurance also offers a variety of hospitalisation and medical benefits, such as intensive care treatment, anaesthetic service, doctor visits, ambulance services, surgical care, and much more. 

  • Student Suraksha travel insurance

Every student going abroad for academic purposes should obtain a student travel insurance plan. In the event of unexpected sickness or bodily injury, while you are travelling, a student travel insurance policy will give reimbursement. Any student who misplaces that baggage could suffer significant consequences. Your financial situation can be restored with the aid of student travel insurance coverage, enabling you to settle down with all of your necessities. Additionally, a student travel insurance policy can assist you in getting reimbursed so that the losses are reduced in severity or removed altogether. 

Coverages under travel insurance plan

  • Emergency medical benefits: With this benefit under an online international travel insurance policy, you are covered for medical expenses incurred as a result of illness or an accident, including the cost of an emergency evacuation that is deemed medically necessary and ordered. 
  • Accidental demise & permanent disability: Protects the insured against an accident that results in demise or permanent disability when riding a common carrier like a train, bus, tram, or aeroplane.
  • Loss of baggage and personal papers: Up to the amount insured, bajaj allianz travel insurance will cover the actual cost of replacing lost belongings and documents. 
  • Repatriation: If an insured individual is unable to continue their travel following a hospital stay, the insurer will cover the costs of returning them to India. 

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

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