Travel insurance provides financial protection against unforeseen events during domestic and international trips — from medical emergencies and lost luggage to flight delays and trip cancellations. It ensures you travel with confidence, knowing the unexpected won't derail your plans or your finances.
Inclusions
Medical Covers
- Accident & Sickness Medical Expenses
- Accidental Death & Dismemberment Benefit
- Medical Evacuation or Repatriation
Baggage Covers
- Loss of Checked Baggage
- Baggage Delay Benefit
- Loss of Passport Benefit
Journey Covers
- Trip Cancellation & Curtailment
- Flight Delay Benefit
- Personal Liability
- Home Burglary (while travelling)
- Hijack Distress Allowance
- Financial Emergency Assistance
Note: Inclusions depend upon the insurer and plan chosen.
Exclusions
- Pre-existing Diseases
- Adventure Sports (unless opted as add-on)
- Flight Missed Due to Negligence
- Losses Under Influence of Alcohol / Drugs
- War, Civil War, or Terrorism
- HIV / AIDS Related Claims
- Ayurveda & Homoeopathy Treatments
- Cosmetic Treatment
- Suicide or Self-Inflicted Injury
- Loss of Passport When Left Unattended
- Pregnancy-related Claims
Note: Check your policy wordings for a detailed list of coverages, add-ons & exclusions.
Key Points to Keep in Mind
- Sub-limits: Additional limitations may apply under specific coverages. Always review sub-limit clauses before purchasing.
- Deductible: In certain cases, you may need to bear an initial portion of the expense out of pocket before the insurer pays the remainder.
- Cashless Settlement: In many scenarios, your insurer will directly settle expenses on your behalf — no upfront payment required from you.
