Different Types of International Travel Insurance

Untold risks are associated while travelling. Keeping these things in mind, it is always important to opt for travel insurance​ which takes care of problems arising during the course of travel like Loss of Passport, Loss of Baggage, Personal Accident, Medical Emergency or sickness, Trip Cancellation, and other associated risks encountered while travelling.

Before Opting for travel Insurance, it is also important to understand different types of Travel Insurance for better understanding before taking a trip.

Domestic travel insurance

Domestic travel insurance is an insurance offered to customers for travel within India. It is a policy which protects the policy holder in case of problems while travelling. It provides coverage for medical emergencies during the course of travel, permanent disability and death, baggage loss, travel delay and personal liability. Any Indian citizen travelling within India can purchase domestic travel insurance. Foreigners, who have work permit to work in India, can also purchase Domestic Travel Insurance for travelling within India. 

The Domestic Travel Insurance Policy is non-refundable.

International travel insurance 

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It is very important to buy International travel insurance before embarking on a foreign trip for any purpose. It provides protection against unseen medical and non-medical emergencies during the course of the trip.  Any traveller who is below 85 years of age needn't undergo the medical check up for the purpose of buying International Travel Insurance. It helps in being worry free on a foreign trip. 

The policy gives coverage for medical expenses overseas, hijack, baggage and travel delays, repatriations/evacuation to India, and loss of travel documents/passport besides the usual coverage offered in normal travel insurance.

 

Individual travel insurance

This is an important policy to buy when you are travelling abroad alone. It offers various benefits along with normal benefits like Emergency medical expenses, Repatriation in case of medical emergency, Repatriation of mortal remains, any dental emergency expenses following an accident, Compensation following accidental injuries, Baggage Loss and other benefits.

Annual multi-trip travel insurance (Corporate travel insurance)

Employees of any corporate or organisation can get coverage for international travel under annual multi-trip travel insurance​ (Corporate travel Insurance).

 

Student travel insurance

This is a policy for students who are travelling abroad for further studies. It offers comprehensive coverage in the form of expenses incurred on medical treatment, passport loss and other reasons leading to study interruptions.

Senior citizen travel insurance​

This insurance caters to the age group of people between 61 and 70. It offers coverage for dental treatment and cashless hospitalisation along with normal travel insurance coverage.

 

Family travel insurance​​

This is policy for entire family and the entire family is covered under one policy. It offers coverage for hospitalization, baggage loss, and other incidental expenses.