Unlike other insurance policies travel insurance policy is a less known term in India. Several people in India are actually unaware about the travel insurance policies. Since it is not a common so people generally do not buy it. Well in this article I will get you aware about all the terms related to travel insurance policies. Basically travel insurance policy provide you protection against the unexpected events like accidents that occur on your journey. However travel insurance policy also provide you assistance against situations like theft, financial loss due to delay of flight etc. One can easily purchase travel insurance policy in India either online or offline. So here are 5 best travel insurance policies in India which you can buy and travel the world without any tension.
Features of Travel Insurance Policy
1. Cover Medical Emergencies
Just imagine if you encounter a medical emergencies during your journey. Just imagine if you are stuck somewhere with your family. Then it would be really difficult for you to manage treatment in different land. Now if you would be having travel insurance policy then it would assist you in such a situation. Even all the medical expenses that you have payed would be refunded to you by the insurance company.
2. Cover Against Personal Accident
Cases of personal accident is also covered under travel insurance policies. So if you die or get injured during any journey than you will provided protection against it.
3. Loss of Baggage and Loss of Passport
Just imagine you go for a foreign trip and one day you lost your baggage and passport. Imagine the level of trouble you will get into in such a situation. Here your travel insurance policy will come for rescuing in from such a situation.
4. Flight Delay or Trip Cancellation
Imagine that your trip has been cancelled or your flight has been delayed. Now just imagine your financial loss that you will have to bear. The travel insurance policy will cover you against the financial losses incurred due to flight delay or cancellation of trip.
Also Read >>> 10 Secret Tricks To Book Cheap Flight Tickets in India
5. Legal Liability & Expense
Well this policy will cover you against any legal liabilities or corresponding legal expenses.
5 Best Travel Insurance Policies in India
1. SBI Travel Insurance
One of the best travel insurance policies in India is offered by SBI travel insurance policy. Well this plan is available for an age up to 70 years. Best part is that no medical checkup is done while purchasing SBI plan. The maximum travel insurance coverage that is provided is of Rs 3196749.03.
The accidental coverage provided by this policy is of 10% of the total coverage amount. Coverage provided under this policy is for losses against loss of passport, also covers hijack and loss of baggage. However, SBI travel insurance policy doesn’t provide protection against several adventurous activities like paragliding, mountain climbing, professional sports and car racing etc.
2. Tata AIG Travel Insurance
Tata AIG has been ranked second in our best travel insurance policies in India. The total coverage is provided for a period of 70 years of age. Coverage provided by the policy is against accidental and medical expenses, loss of passport, personal liability, accidental death, dental expenses and flight delay.
3. HDFC ERGO Travel Insurance
HDFC ERGO travel insurance has been ranked third in the list of best travel insurance policies in India. It provides coverage against personal accident, medical expenses, flight delay and other emergencies. One of the best feature that is provided by the policy is that it provides emergency cash facility.
4. Bharti AXA Travel Insurance
Next best travel insurance policies in India is Bharti AXA travel insurance. Well this plan is available for a period of 3 months to the age of 60 years. It doesn’t provide protection against injuries which are arising from fatal sports activities. Policy even provide protection against individual as well as family.
5. Bajaj Allianz Travel Insurance
Last best travel insurance policies in India is Bajaj Allianz travel insurance policy. Well there are different types of policies offered by the company like policy for individual, family, senior citizens and also for students. One of the most unique and highlighting feature of the policy is it provides emergency cash during your foreign visit.