Travel Insurance · Domestic & Overseas · Trip Protection
Travel Insurance
Financial protection against unexpected medical, travel and baggage-related events before or during your journey.
Medical Protection
Helps cover eligible emergency treatment.
Trip Protection
Cover may apply to cancellations and interruptions.
Baggage Cover
Protection for eligible baggage-related losses.
Travel Delays
Benefits may apply for covered delays.
Emergency Support
Assistance may be available during emergencies.
Overview
What is Travel Insurance?
Travel insurance is designed to provide financial protection against certain unexpected events before or during a trip.
Depending on the policy, it may cover medical emergencies, hospitalization, evacuation, trip cancellation or interruption, travel delays, missed connections and baggage-related losses.
Why Consider
Why is Travel Insurance Important?
- Helps manage eligible emergency medical expenses
- May cover emergency evacuation or repatriation
- Can provide benefits for covered trip cancellation or interruption
- May compensate eligible baggage loss, theft or delay
- Can provide emergency travel assistance during a trip
Eligibility
Who Can Buy Travel Insurance?
- Indian residents and other eligible travellers
- Individuals and families
- Senior citizens
- Students travelling abroad
- Business travellers
- Frequent travellers
- Groups travelling together
Entry age, destination, medical declarations and eligibility conditions vary between insurers and products.
Types of Travel Insurance
Single-Trip Travel Insurance
Coverage and conditions depend on the selected policy.
Multi-Trip / Annual Travel Insurance
Coverage and conditions depend on the selected policy.
Domestic Travel Insurance
Coverage and conditions depend on the selected policy.
Overseas / International Travel Insurance
Coverage and conditions depend on the selected policy.
Student Travel Insurance
Coverage and conditions depend on the selected policy.
Family or Group Travel Insurance
Coverage and conditions depend on the selected policy.
Medical Protection
Emergency Medical Coverage
Overseas medical treatment can be expensive. Depending on the policy, eligible emergency treatment, hospitalization, medical assistance, evacuation or repatriation expenses may be covered.
Coverage for pre-existing medical conditions depends on the policy terms and should never be assumed automatically.
Trip Protection
Cancellation, Delay & Missed Connections
Cancellation
Benefits may apply to eligible non-refundable expenses.
Interruption
Certain covered reasons may qualify for trip interruption benefits.
Travel Delay
Eligible additional expenses may be covered after a covered delay.
Baggage
Baggage & Personal Belongings
Depending on the policy, compensation may be available for eligible loss, theft, damage or delay of checked-in baggage and personal belongings.
Always check the individual baggage limits, exclusions, deductibles and claim conditions.
Emergency Support
Emergency Assistance During Travel
Many international travel policies provide access to emergency assistance services that can help travellers obtain medical or travel-related support while abroad.
The availability and scope of assistance depends on the insurer and specific policy.
Important
Travel Insurance Is Not an Investment
Travel insurance is a protection product, not an investment product. It normally does not provide investment returns, maturity benefits or wealth accumulation.
Benefits are generally payable only when a covered event occurs and the applicable policy conditions are satisfied.
Buying Guide
Where Can One Buy Travel Insurance?
- Directly from IRDAI-registered insurance companies
- Through licensed insurance agents or brokers
- Through registered insurance web aggregators
- Through authorised travel service providers
- Always verify the insurer or intermediary before purchasing
Coverage
Check Your Coverage Limits
Make sure the sum insured and individual benefit limits are suitable for your destination and travel requirements.
Medical expenses
Emergency evacuation
Baggage & travel disruption
Medical costs can vary significantly between countries, so coverage should be selected accordingly.
Documentation
Documents Generally Required
- Identity proof
- Passport details for overseas travel
- Travel destination and dates
- Purpose of travel
- Visa details, where required
- Medical information, where applicable
- Mobile number and email address
Destination
Check Visa & Destination Requirements
Some countries or visa categories may require specific minimum travel insurance coverage. Make sure your policy satisfies the applicable requirements for your destination.
Things to Know
Before Buying Travel Insurance
- Understand the medical and travel coverage
- Check the sum insured and benefit limits
- Review pre-existing medical condition provisions
- Understand policy exclusions
- Check deductible or excess requirements
- Verify destination and visa insurance requirements
- Check trip duration limits
- Understand the claims procedure
- Keep emergency assistance contact details available
- Read the Customer Information Sheet
Claims
Understand the Claims Procedure
- Know the claim notification timelines
- Keep required travel and medical documents
- Save emergency assistance contact details
- Understand cashless and reimbursement procedures
- Check the documents required for baggage-related claims
Policy Information
Read the Customer Information Sheet
The Customer Information Sheet summarises important policy features including coverage, exclusions, sub-limits, deductibles, claims procedures and grievance redressal information.
Conclusion
Choose Travel Cover Based on Your Trip
Travel insurance should be selected based on your destination, travel duration, age, medical needs, purpose of travel, planned activities and required coverage limits.
Do not choose a policy only by premium. Carefully compare the policy wording, coverage limits, exclusions, deductibles and claim conditions.
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