Indian Travel Insurance, Travel Insurance India, India Travel Insurance

By: EconomyWatch   Date: 26 May 2010

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The best way to gain peace of mind while on holiday to the vast subcontinent is to get adequate Indian travel insurance. Travel is more often than not a means of relaxation and rejuvenation but it can turn into a nightmare if you lose your belongings or worse, have an accident. The physical distress and harassment that you could experience cannot be compensated for but at least you have the option of relieving some of the financial distress in a distant land. Indian travel insurance is aimed at giving cash cover for your expenses in an unfortunate event such as the loss of baggage and valuables.

What Cover Can One Get With Indian Travel Insurance?

The commonly covered areas of an Indian travel insurance policy are:

  • Medical expenses while on the trip, accidental deaths, or injury that causes a disability.
  • Emergency evacuation/repatriation, which might even involve a helicopter rescue if needed.
  • Cancellation of the trip due to unforeseen reasons, such as illness. Considerable delay is also given a cover.
  • Loss, theft or damage related to personal belongings. The administrative charges for a lost passport are also paid for by the insurance company.
  • Personal liability and car damage are taken care of by the insurance company.
  • Legal assistance, if required, is sponsored by the insurance company while you are traveling.

    • Why is it Important to Get Indian Travel Insurance?

    Its always better to be prepared for any eventuality, For Indians traveling abroad, it is advisable to get travel insurance because medical expenses in a foreign country can be really high. For people traveling to India, it is important to understand that the hospitals in India do not treat foreign nationals unless they have proper medical insurance. Besides, the fear of losing your belongings in a far away country can be stressful and it is better to have some kind of security net for yourself.


    What Should You Consider Before Buying Indian Travel Insurance?

  • It is a good idea to have coverage for the financial investment you make in your trip. It is important to buy a policy that will give you sufficient coverage in case of a mishap. Make sure you buy it from a reliable insurance company who is there for its customers when the need arises.
  • Check your policy carefully for the exclusions it has for pre-existing medical conditions, pregnancy related expenses or injury caused by drug/alcohol intake. In case you plan to take part in some adventure sport such as paragliding, make sure that it is covered in your policy.
  • Declare all your previous policies so that the insurance company does not reject your claim based on some technicality related to your old policies during a time of need.


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