Group Travel Insurance
Ever seen a huge group of tourists roaming around and clicking pictures at famous spots? Those people were probably travel insured at that time. Group Travel Insurance is essential when travelling with a large group of people who are not directly their family. Those large group trips which are planned by agencies also have the group travel insured.
Group travel insurance is a travel insurance policy that protects a large bunch of people who are travelling together at the same time but are not automatically family. Group travel insurance will get the entire group, all the members, insured rather than every individual getting their own separate insurance. If you’re going on a vacation with a with your college batch or going for a wedding with all your distant relatives, getting a group travel insurance will make the trip tension and stress free for everybody in case of any possible occurrences.
Group travel insurance will cover all the things that a single travel insurance would but for a large group of people. It offers protection against unforeseen situations and events like trip cancellation, baggage loss, critical health issues, loss of money, loss of passport(s), loss of important documents while travelling internationally, loss of essential belongings, etc.
Things to keep in mind while buying a Group Travel Insurance
If the holiday destination is a beach area or a hill station where you will indulge in adventure sports like parasailing, paragliding, scuba diving, jet skiing, swimming in the ocean, river rafting, rock climbing, river crossing, etc., you need to carefully read the document of the insurance as most insurances would not cover such situations if anything occurs causing damage or injuries or even death. In such a case, one can purchase a group travel insurance which covers these grounds or is specially designed to cater to adventure travelers or one can get the cover for the same by paying an extra premium. While travelling with a bunch of people, the best plan to get is a cheap medical travel insurance plan for the whole group.
Group travel insurances usually provide more cover than the standalone covers. Opting for a group insurance while traveling is always a better option than getting separate travel insurances for each person.
An additional premium can be paid in the case of the member travelling from different places; if a few members of the group plan to meet the other member of the group at the destination or if they live in different parts of the world and plan to meet at hallway or so.
Travel Medical Insurance Plans
Travel medical insurance plans are extremely important while travelling in a large group, especially to an international destination where the healthcare is expensive, for example, United States. Buying a cheap medical travel insurance plan can help you avail medical treatments and benefits in countries abroad.
A member of the group might fall sick or get hurt and might be in need of care and medical expertise. In such cases, the cover provides the same.
In case of any emergency like evacuation or shifting to a better medical facility, the insurance policy will also look after that.
Popular Travel Medical Insurance Plans
• Max Bupa International Medical Emergency Plan
With the Max Bupa International Medical Emergency Plan, you can get medical support around the world. The insurance policy covers all types of travels like business, leisure and study. The policy holder is prolonged an emergency service for 24 hours to advice on the choice of hospitals and to settle claims. This policy also covers evacuation expenses.
• Reliance Annual Multi-Trip Insurance Plan
The Reliance Annual Multi Trip insurance plan is targeted towards frequent travelers. It provides cover for multiple trips taken during the duration of the policy. The policy is for six months buy can be extended later.
• Overseas Insurance Mediclaim (Business & Holiday)
The Overseas Insurance Mediclaim policy covers for people travelling overseas for business as well as leisure in the situation of them falling ill, contracting diseases or getting injured during overseas travel. This policy also provides cover for baggage loss or damage.
• Apollo Munich Easy Travel Insurance
The Apollo Munich Easy Travel Insurance policy provides for travelers traveling to international destinations with an option to get financial aid in cash from the insurer in case of any emergency. The policy covers medical issues as well as other travel risks like trip cancellation or baggage loss or damage. It provides for the medical treatment which is usually extremely expensive abroad. Emergency dental procedures are also covered in this insurance policy.
• Future Generali Travel Suraksha Plan
This travel insurance plan is beneficial as it provides cover for domestic as well as international travel and also includes travelers of any age group. This policy can be taken for a particular geographical area as well like Europe or Oceania.
Conclusion
Group travel insurance plans are extremely important to take and are very helpful in unfortunate and unforeseen situations which might lead to loss of property or life or disable the traveler with injuries. Choose a travel plan with maximum benefits on medical claims to have a safe and healthy trip. Cheap medical travel insurance plans can help you through your travel disruptions.
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