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Travel Insurance

Why should I buy travel insurance?

To obtain a visa for some countries, overseas travel insurance is compulsory. However it is always advisable to obtain a travel insurance

Is a medical check -up required to purchase a travel insurance policy?

Medical tests are required for certain age groups and sum insured, depending upon the plan and insurance company. However most companies

Do I need to carry the policy along with me?

You are advised to carry the policy along with you when traveling. This would be helpful in case of a claim. But most important the policy details,like

When does the cover begin?

The Insurance cover commences on the day specified in the Policy Schedule or the time you board the conveyance to leave for onward

Till when is the policy valid?

Insurance Cover shall terminate (i) with the end of Insurance Period i.e. the period for which the premium has been paid or

I have taken a travel insurance policy but my travel dates have changed (postponed). Can I use the same policy?

If you wish, you can use the same policy if your travel start date is within 15 days of the policy start

I am going on Kailash Mansarover yatra. Can I get travel health insurance for it? I have China visa.

Currently Indian insurance companies do not provide travel health insurance for this yatra.

I have already left India and forgot to take travel health insurance,can I still buy?

No, since you have already left India, this is not possible. You can however look for insurance in the country you have travelled to.

What happens if the stay in overseas is extended?

If your stay in overseas is extended for reasons beyond your control, the extension may be granted by insurance company after collecting

Who would I have to get in touch with if I meet with an accident abroad?

In case of any emergency, wherein you might need immediate medical care or assistance, you may call upon the Alarm Centre or assistance

Who is a Third Party Administrator?

A Third Party Administrator is one who offers claims services on behalf of the insurer. In most cases, they offer cashless facility. You must

In case I don't want the policy anymore, can I get it cancelled?

You can get your policy cancelled only if you have not undertaken the journey and you produce your

Would I be reimbursed for the medical expenses incurred abroad, if I go specifically for the purpose of seeking medical treatment?

The insurance covers you only for accidents or sickness which happen unexpectedly and unintentionally while you are traveling abroad.

How much of the hospital expenses are covered by the policy? Is it 100%?

Hospital expenses shall be reimbursed in excess of the deductible and up to the sum(s) insured applicable to each cover.

My parents are quite healthy and coming to USA to visit us. Do we really need overseas medical insurance for them?

Overseas medical insurance is for future financial protection for medical problems.

Is there a cover for pre-existing medical conditions?

Pre existing diseases are excluded from the scope of travel health insurance policies.

What are the things to look for while choosing student travel insurance plan?

While choosing the right travel insurance plan, students should keep some important things in mind.

Do we need to pay upfront in case of a medical treatment and then claim, or the insurance policy will pay upfront?

In an emergency situation where hospitalization and/or medical evacuation are required, the insurer covers these costs upfront

In case medical treatment is required, is there any need for any pre-approval before hospitalization?

You would need to contact insurer’s TPA (the address and phone numbers of TPAs are given in our claims assistance and forms section)

What if in an emergency I don't have time to call up?

TPA should be contacted by any person within 48 hours and given the details about the insured.

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