Tips to Choose the best Travel Insurance in India

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In 2018, according to data presented by the World Travel Tourism Council, tourism generated about Rs. 16.91 Lakh Crore which accounted for about 9.2% of the total GDP of the country. With about 16,000 Lakh domestic tourist visits across the country, Indians are well versed with frequent travels. On the flipside, they are also exposed to the troubles that can arise during these trips.

So, to ensure that one is protected against the financial liabilities that can arise during travelling, it is crucial to avail of a travel insurance plan before the trip commences.

To avail the best travel insurance in India, it is essential to ensure that the plan is equipped with features that can provide comprehensive coverage against most liabilities.

Below are a few tips that can help you to choose the ideal travel insurance plan –

Determine the type of insurance you need to avail –

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Financial institutions offer several types of travel insurance plans, each tailor-made to cover prospective liabilities that can arise during specific trips. Some of the types of insurance covers offered are as follows –

  • Domestic travel insurance.
  • Personal trip effects cover.
  • Pilgrimage cover.
  • Trek cover.
  • Personal trip liability insurance cover.

Check with your financial institution to learn about the types of policies they offer to choose the best travel insurance in India, suited for your specific needs.

Check the features of the insurance before you avail it –

Not all travel covers have the same features or offer the same benefits. That is why, to ensure that you maximise the benefits you receive from your travel insurance policy, you must check for the following features –

  • Financial coverage against any medical emergency or hospitalisation, especially while travelling abroad.
  • High coverage for travel and accommodation assistance, if required.
  • Reimbursement for any cost arising due to flight cancellations or delays.
  • Protect against financial obligations arising due to loss or injury of a third party.
  • Compensation for charges incurred for re-issuing documents like your passport.
  • Repatriation of remains in case of death during travelling
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These are a few benefits that you should look for to avail the best travel insurance in India. Further, financial institutions like Bajaj Finserv also provide financial coverage for losses due to any terrorist activities that make the travel insurance plan even well-rounded.

Compare between different policies –

Each insurance policy comes with specific features, benefits, premium payments, exclusions, etc. that sets them apart from each other. To ensure that you avail the best domestic travel insurance in India, you must compare between the different policies to avail of the one offering the most benefits.

Checking the exclusions list is also crucial along with the benefits offered to make sure that your insurance plan is useful in case of emergencies.

Look for a policy with an easy claim process –

Even though most insurance providers have shifted the claim process for travel insurance online, you must make sure that it is simple to avoid any hassles in the future. Without a simple claim process, your reimbursement might get delayed, leading you to face unwarranted hassles.

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With these few tips in mind, you can ensure that the travel insurance plan you avail can fulfil all your requirements effectively. It is also important to check factors like affordability, eligibility and documentation of each of these policies to make sure that the process of availing them can be complete without any trouble

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