Wednesday 30 May 2018

Travel Insurance Plan: Unknown facts


There are many things you need to know about travel insurance as this provides complete security for your travel needs. Remember that there are different plans suitable for different situations and you must know them completely to get the best out of your policy. In this article, we will bring out some unknown facts about travel insurance plans that are not known to the common people. Make sure that you verify these points when you want to buy your next policy for your upcoming tour. The advantage you get when you compare travel insurance plan is that you can understand what is suitable for your situation and choose the plan according to your individual requirements. Some people assume that all plans are the same and end up choosing the wrong plans that do not offer complete benefits for their situation. You will be able to avoid such mistakes when you follow the guidelines given in this article. Always have a clear plan about your travel needs and also discuss them with your insurance advisor when you are buying travel insurance policy. This will help you to filter the suitable options and you can enjoy your tour to the most in this manner.

Coverage for pre-existing diseases

Many people assume that coverage will not be given for pre-existing diseases when you buy travel insurance policy. While this is true with most of the plans, you can definitely find exceptions and this is a good idea for people suffering from life threatening diseases. You can discuss the option with the service provider and compare travel insurance plan from different sources to get the suitable one for your individual requirement. There are companies who offer coverage even for such pre-existing diseases and you will be able to enjoy the vacation comfortably when you have such protection for your health.

Coverage for baggage delay

In normal cases, when your baggage is lost, you will be eligible to make claims using your travel insurance policy. However, when it is only delayed for a few hours, you may not get coverage for this problem. Generally, the coverage for delay in getting baggage will be entertained only when the delay is more than 12 hours. You need to submit the relevant documents provided by the airport authorities to make the claims for this issue. Yet another point you should notice is that only checked in baggage will be offered coverage and cabin baggage will not get any cover under the travel insurance policy.

Coverage for adventure sports activities

If you are planning to indulge in adventure sports activities during your vacation, be aware that your travel insurance will not offer coverage for any damages that may happen during this situation. It will be clearly mentioned in the exclusions section and you need to read the policy document carefully before choosing them for your travel needs. However, you can choose other plans that may provide coverage within that foreign location and this will be helpful when you are indulging in adventure sports activities. For this reason, you should always compare travel insurance plan and then buy them for your vacation.


Third party liability does not cover vehicle usage

Many people find it convenient to rent a car and go on a road trip during their vacation to a foreign country. In this way, they can cover most of the places on their own without depending on third party transport services. However, you need to be aware that your travel insurance may not offer coverage when you use third party vehicle during your vacation. Any damages that may happen to the vehicle will be under your own risk and you need to compare travel insurance plan from different sources to choose the best option. Always try to get the ones that offer good coverage for third party liability.

You can choose single policy for your family

It is possible to get coverage for your entire family under a single policy. All you have to do is to select the family floater travel insurance plan that gives coverage for all the members of your family during your tour. In this way, you will get to save money as it is very inexpensive when compared to buying individual plans for everyone in the group. Apart from that, it also offers lot of convenience and you will be glad to know that the sum assured coverage will be shared between all the members of the family and it can be used for anyone at any point in time. This will be the best choice for people going out on family vacations as they can get the best coverage at nominal price. When you compare travel insurance plan from different companies, you can choose the best family floater plan for your tour.

Corporate group insurance cover is also available

The best part about travel insurance is that it can be even chosen for your employees and this helps you to cover their official trips with proper insurance. You can even choose the group package when you are sending your team members to a different location for work. In this way, you need not have to cover the damages that may happen during the tour and every risk will be borne by the insurance company. There are many companies offering such plans and you can compare travel insurance plan and choose the optimum coverage for your team members.

Insurance cover can be availed for even few days

There is no need to spend lots of money on the travel insurance coverage as you can even get them for a couple of days. This is a suitable option for people who are going out on short trips and you can select the number of days for which coverage is needed during the tour. If you plan to travel frequently, you can select the annual coverage and then choose the number of coverage days as per your travel plans. In this manner, you will be paying money only for those days when coverage is taken and this helps you to save lots of money.

For more details check ​PolicyBazaar Customer Reviews

Monday 28 May 2018

5 Myths of domestic travel insurance plans busted


There are many misconceptions about travel insurance and most people do not have a clear understanding about its features and benefits. While people are somewhat aware of the regular insurance plans, they lack knowledge when it comes to domestic travel insurance plans. In this article, you can get to know about some of the common myths surrounding such plans. It is always a good idea to consult a professional insurance advisor when you want to buy travel insurance as this will help you to choose the best plan suited for your needs. If you are not able to approach any professional, you can visit the online portals that provide articles about insurance and get to understand the different plans available in the market. You can even compare different plans in this manner and select the suitable option for your travel needs. Once you are familiar with the concept, you can easily buy the best plan online and save time as well as money. Let us try to clear some of the myths about travel insurance in this article.

Travel insurance covers every damage during tour

Many people assume that when they get domestic travel insurance policy, every damage that happens during the tour will be covered by the policy. However, this is not true and you need to carefully read the inclusions and exclusions of the plan. Just because you have bought the best domestic travel insurance plans does not mean that you will be compensated for every mishap during your vacation. Remember that the exclusion column clearly states that you will not be getting coverage if you are involved in any adventure sports activities. Very few plans have coverage for this aspect and you need to be aware of such issues while buying travel insurance. Apart from that, you will also not get coverage when you avail treatment for pre-existing diseases during your tour. You have to mention the details about your health beforehand and pre-existing diseases are not covered under majority of plans available in the market. However, there may be few exceptions and you have to carefully study the inclusions to know more about such problems.


Domestic travel insurance offers coverage for entire year

Unlike the regular vehicle or life insurance plans, you can choose the travel insurance for any duration of your choice. Some of the best domestic travel insurance plans in the market offer coverage even for a couple of days and this is an excellent option for people going out on short tours. On the other hand, there is no need to worry when you are traveling frequently as you can choose the annual coverage also and get protection whenever you travel. You can choose the number of days within the year for which you need travel coverage and this will be offered by the company. The premium charged for the policy will depend on the number of days for which coverage is needed in a year. In this way, if you are opting for a single tour travel insurance plan, you should buy them again when you want to travel next time.

Travel insurance is expensive

This is a myth and you will be surprised to know that you can even get coverage for a few hundred rupees. The beauty of domestic travel insurance plans is that they can be chosen only for the duration of travel and in most cases, you can even get them for a couple of days. This is more than enough for people who do not travel regularly and they can get such wonderful coverage by paying small amount of money. When you compare the overall travel expenses, you will notice that the cost of getting travel insurance is very less and you can get lots of benefits in future. You can comfortably enjoy the vacation when you have the optimum coverage for your tour.

Travel insurance is only suited for frequent travelers

While it is true that frequent travelers benefit a lot by having travel insurance policy, even others will also get the same benefit by choosing such plans. Remember that you can face some problems even when you are going on a short tour and a mishap can happen at any time. For this reason, you should never neglect the safety issue even when you are traveling only for a couple of days. You can choose the domestic travel insurance plans that offer coverage for single tour in this situation and get to benefit a lot during your tour. You will be protected against various mishaps and you can easily avail emergency medical assistance when you have such coverage.

Making claims is not easy with travel insurance

It is not a difficult task to make claims when you face any problem during your tour. All you need to do is to get the proper documents to support your claim and they can get cleared within a short duration of time. If your flight is delayed or cancelled, you can immediately get in touch with the insurance service provider and inform them about the issue. In the same manner, you should always keep bills for hotel bookings and other important expenses during your tour. When you face any emergency due to medical issues, you can easily get treatment from nearby hospitals and claim insurance later by providing the bills. If you happen to be close to any network hospital, you can even get cashless treatment by providing your insurance details. In this way, it is not at all difficult to get compensation when you have the best domestic travel insurance plans from reputed companies.

These are some of the common myths surrounding travel insurance plans and you need not worry about anything when you choose reliable service providers. You can clarify all your doubts with the company executives before you buy the plan and this will help you to choose the best plans for your travel needs. You can travel with confidence when you are equipped with such travel insurance cover.

For more updates and News follow Policybazaar Youtube Channel

Friday 25 May 2018

Domestic travel insurance plan: Coverage and Benefits

The market for domestic travel insurance is growing by a huge margin due to increased awareness among the public. You should never neglect such coverage when you are traveling and always secure your tour with the best plans available in the market. Many people are under the assumption that insurance is needed only when they are traveling out of country and they can manage the local tours on their own. However, trouble does not come announced and you need to be prepared to face any hurdles with the help of domestic travel insurance coverage. This will help you when your flight is delayed or cancelled and you can get reimbursement for the expenses in this situation. In the same manner, you will also get suitable help when you need emergency medical treatment for any health issues and this is a good option when you are traveling with your family. You can safeguard your family members by choosing the appropriate coverage and this can give many benefits for your tour. In the same manner, even frequent travelers will benefit a lot by choosing the annual coverage and they can use the coverage for many trips with this option. It is possible to save money in this manner and the optimum coverage will be given for the traveling days.

Coverage offered by domestic travel insurance

Loss of baggage

If you happen to lose your baggage during your vacation, you will have to face lot of problems. Many people do not buy the required travel insurance and spend lots of money to buy the required items during their tour. However, when you are equipped with domestic travel insurance coverage, you need not worry about all these issues. Even when the baggage is delayed for a long duration, you will be able to get the suitable coverage from the policy. In this regard, it makes sense to choose such options and secure your travel plans.

Flight delays and cancellation

How often have you noticed that flights get delayed whenever there are heavy rains or fog in the nearby area? This can happen to you when you are traveling and your entire travel plan can get affected due to this problem. The simple way to avoid any inconvenience in this situation is to choose the domestic travel insurance coverage for your tour. In this way, you will be able to get compensation whenever your flight is delayed for a long time. In some cases, you will observe that flights can even get cancelled due to adverse weather conditions. In this situation also, you can claim coverage and this will help you to make alternate travel arrangements and even your hotel bookings will be covered by the policy.


Personal accident cover

You can get involved in a mishap even when you are traveling and you should never take any chances with this issue. Always make sure to get the best domestic travel insurance coverage for your vacation and this will provide accident coverage during the entire tour. Imagine a situation when you are traveling with your family and your vehicle is involved in an accident. You will be left with no support in this situation when you do not have insurance coverage. On the other hand, having travel insurance will be a boon in this situation and this will offer the required help for your family members during the emergency situation. You can easily get admitted to the nearby hospital and get effective treatment by using your insurance policy.

Emergency medical cover

You can never be sure when a medical emergency will strike you and this can also happen when you are traveling out of town. If you are traveling with your family, you need to be extra careful and you should always have the suitable domestic travel insurance coverage for your family. This will provide emergency medical coverage and you will be able to get cashless treatment from any of the network hospitals across the country. This is a good option for travelers and they need not have to worry about health issues during their vacation. This helps them to enjoy the tour without any hassles.

Benefits of choosing domestic travel insurance

There are numerous benefits of having domestic travel insurance coverage for your tour.
You will be able to get emergency help round the clock and this will be a boon in times of medical emergency.
There is no need to worry about loss of baggage and other small issues when you have such coverage as you can easily get compensation in this situation.
In the same way, any loss due to delay of flights will be covered by the policy.
You will be able to get compensation for lost hotel bookings due to cancellation of flights.
It is also possible to include the third party liability coverage in the travel insurance plan.
You can also get support for emergency cash requirement during your tour.
In some cases, people lose their valet and this can put them in a difficult situation. However, having a travel insurance plan will be very beneficial in this situation as it provides complete support for emergency cash requirement during your tour.

How to choose the best policy for your tour?

It is very easy to get the best plan suited for your travel needs. When you visit the online portals of insurance companies, you can get complete information about the plans. It is also possible to know about the premium amount required for each plan when you submit the basic details about your tour plan. In this way, you will be in a position to compare all the plans and this helps you to pick the best option for your travel needs. If you have any queries, you can always approach the customer care team of the service provider and they will be more than happy to help you in this regard. Once you are clear about all the options, you can go ahead and buy the suitable policy to cover your travel requirements.

For more details check ​PolicyBazaar Customer Reviews

Wednesday 23 May 2018

12 Amazing destinations to be explored before commercialization hits them

There are many places in our country that deserve far better attention than what they are getting from tourism enthusiasts. However, the advantage you get as a tourist when you get to such places is that they are still not so polluted and you will find a natural ambience in that surrounding areas. There is a certain beauty attached to rustic and raw places where commercial activities are down to a bare minimum. In such places, you may not be able to find luxurious accommodation or the best transport arrangements, but you will definitely get to enjoy the best vacation with friends and family members. Normally, many people do not find it comfortable to visit crowded tourist places as it reminds them of the busy urban life. When your intention is to get away from the busy lifestyle of the city, you should always prefer such calm tourist destinations that are slightly away from commercial activities. In this way, you can get to enjoy your holidays in a private manner without much disturbance from other people. In this article, we will guide you to some of the amazing destinations that you should check out on your next vacation.

Bhimbetka Caves

The amazing rock shelters dates back to pre-historic times and you can see some wonderful paintings in these caves.
This is probably your best place to see the thousand years old art on the black boulders of the caves.
It was discovered during 1957 and you will be thrilled to enjoy your vacation in this place that is surrounded by lots of green vegetation.
If you are traveling with your family and friends, be smart and add a travel insurance to your tour plan so that you can enjoy your vacation without any hassles.

Ananthapura Lake Temple

This is the only lake temple of Kerala and you can easily reach this place from Kasargod.
The temple is believed to be the origin place of Anantapadmanabha Swamy and you can find a crocodile in this lake that is only fed with white rice.
This is probably the only place where you get to see a vegetarian crocodile that is regarded as the guardian of the temple.


Kaas Plateau

This is an amazing place in Maharashtra that has a rich variety of flowers and you will be surprised to see hundreds of acres of flowers.
Make sure you visit the place in the best season after monsoon to see the flowers in their full glory.
The flowers can be seen for many kilometers and it has hundreds of species of flowers.
The region is also one of the Unesco World Natural Heritage Sites in our country.
Plan your tour to such places appropriately and always get a travel insurance to keep you secured during your tour.

Mawlynnong Village

This is known as the cleanest village in Asia and you can see bamboo dustbins all over the place.
Even the local residents work hard to maintain the village in this manner and plastic is completely prohibited in this region.
Talk of women empowerment and this village tops in execution of such ideas. The children get to carry the surname of the mother and even the property stays with the women of the family and gets passed from mother to the daughter in the family.

Nohkalikai Falls

Even though small in size, this has its own charm as it happens to be the tallest waterfall of our country.
It falls from a height of more than 1000 feet and is one of the tallest waterfalls in the world.
It is very close to Chirapunji and you can get to see the waterfalls in full glory after the rainy season.
Be prepared to experience rainfall even in summer and winter season once in a while in this place.

Ganapatiphule Beach

The Ganapati idol that dates back to 1600 years is the big attraction of this place.
It is said to be a monolith and the idol faces west unlike other temples of our country.
It is a white sand beach and you can easily reach the place from Mumbai within few hours.
Make sure that you get a travel insurance plan for yourself and your family when you want to enjoy your time comfortably on such tours.

Phuktal Monastery

It is also popular as a cave monastery of Ladakh and built in a natural cave.
The surprising fact is that it has regular water supply from natural source inside the cave throughout the year.
The monks at this place run schools for the local students and you can get to see the scenic beauty of this wonderful place.
The river freezes in winter and it is a good idea to visit the place in summer.

Tosh Village Parvati Valley

The region is well known among foreign travelers since ages and you can see many of them roaming around the village.
The place is also well known for its trance parties and it is surprising to see such activities in a remote village of Himachal Pradesh.
You can choose to visit the village on a package tour and get proper travel insurance so that you will be able to enjoy the tour without any issues.

Malana Village

This village is not easily accessible and you will have to trek for some distance to reach this wonderful place in Himachal Pradesh.
They speak a unique language called Kanashi and they run their own local government.
The administration of the village is run on democratic idealogy and the local people have their own rules when it comes to settling disputes.
The region is also a popular hob for foreign tourists.

Gondal Gujarat

This small city in Gujarat is famous for its huge collection of vintage cars.
The royal family of this region had a huge collection that is preserved even to this day.
You can easily reach this place from Rajkot within an hour.
Using your travel insurance plan is a good idea when you are taking a holiday tour with your family.

Maravanthe Beach

The beautiful beach of Kundapur has white sand and you can get to see amazing visuals in this location.
The Arabian Sea merges with Sauparnika River and you can get to see them on both sides of the road when you are traveling through the NH17 road.
The place is also well known for boat rides and other sports activities.

Yaganti Kurnool

This amazing Shiva Temple is unique as the Lord is worshipped in the form of an idol instead of the usual shivlinga.
Other than that, you can visit the caves that are lit with diyas and offers wonderful visuals.
The pushkarini pond that is at the hill receives water throughout the year naturally which is a scientific wonder.
The best way to have a safe journey is to use travel insurance plans as they will come in handy whenever you need emergency assistance during your tour.

For more updates and News follow Policybazaar Youtube

Tuesday 22 May 2018

Best Group Travel Insurance Plans in India: Now retain your employee with ease

If you are running a business, it becomes very important to secure your team members when you are sending them out for work. Many companies send their executives to various places for marketing and other activities. If they encounter any issues during the tour, you will have to make all the arrangements and ensure their safety. This can cost you lots of money and you will benefit a lot when you have the best travel insurance for your team. However, the advantage of having many team members is that you need not have to buy insurance plans for every member. Instead of that, you can choose the group travel insurance plan that offers complete coverage for all the members under one policy. The sum assured coverage amount can be used by any person in the team and this will also save you lots of money in the long run. In this way, even your employees will feel secured while they are traveling as they will be covered for any emergency medical expenses during the tour. This will also save your company lots of money as you need not have to provide for their emergency treatment. Apart from that, you will also get coverage for lost baggage and delay of flights. When you consider all these benefits, you will realize that having group coverage is the best option when you are traveling with your team.

Apollo Munich Group Travel Coverage

The company offers good coverage for all your team members and you can travel without any worries with such plans.
Visit the official portal of the company and check the latest options available with regards to group travel insurance.
You can even get more information when you call the customer care team and they will assist you to select the best plan along with the required sum assured plan.
In this way, you can get to choose the suitable plan that will meet the specific travel requirements of your team members.
The coverage is offered for both domestic as well as international travel and you can choose any option of your choice.
There is no need for any paperwork and most of the process can be completed online by providing relevant details about your company and team members.
You can get coverage in one policy and get relevant cards for every member in your team.


HDFC Ergo Group Travel Coverage

The company is well known in the insurance market for its amazing products and you can easily choose group travel insurance from this service provider.
They offer coverage in various parts of the world and you can check the entire list by visiting the official portal of the service provider.
You can even enquire about your destination being covered by the policy by calling the customer care team.
Apart from that, you can even get online quotes and get complete details about the policy. This will help you to know the details and you can choose the relevant options for your travel plans.
All your team members need to travel on the same day and also return back on the same day to get proper coverage from the plan.
In the same manner, you should also mention the correct details with regards to the age of the team members.
The premium amount charged will depend on the average age of your team members and it will go high as the average age goes high.
It is very inexpensive to choose such plans when compared to getting individual coverage as you can get to save nearly 20% on the premium amount.

ICICI Lombard Group Travel Coverage

You can now give a secured feeling to your employees when you take the group travel insurance plans for their tour.
This is your responsibility to provide sufficient insurance for the team members when they are traveling for work related activities.
There is no need to get policies individually for each one of them when you select the group coverage.
This is cheaper than the individual plans and you will feel comfortable when you have such protection for your team members.
The coverage is given to loss of baggage along with important documents.
Most importantly, you will get coverage for emergency medical requirements and this is a huge advantage when you are traveling in a foreign country.
There is no need panic when someone in your team meets with an accident or needs emergency medical treatment for other issues.
You can easily avail cashless treatment across various network hospitals and this is a huge advantage of having travel insurance coverage.
You will get to save lots of money in this manner.

Bajaj Allianz Group Travel Coverage

You can safely send your team members for official work to different cities and countries when you secure them with group travel insurance plans.
This offers best coverage for all the hazards you face during travel and you will be able to save lots of money by having such plans.
You can claim compensation when the flight is delayed for more than few hours and this will be a huge advantage as you can make alternate arrangements for travel to meet your business commitments.
In the same way, when you need emergency hospitalization in a foreign country, you can use your group insurance coverage for any member in your team and provide the required medical care without paying any money from your pocket.
This will reduce your financial burden by a huge margin and save money for your company in the long run.

Religare Group Travel Coverage

Getting group travel insurance from reputed companies is the best way to secure the health of your team members during official tour.
All you need to do in this case is to mention the age of your team members and get the suitable policy in the name of your company.
Also clearly mention the travel plans and provide accurate information about your destination and flights.
In this way, you can get coverage for flight delays and cancellation along with lost baggage and passport.
Apart from that, you can also get emergency medical assistance during an accident situation and this will be very handy when you are traveling for work out of country.

For more details check ​PolicyBazaar Customer Reviews

Thursday 17 May 2018

Are you insured with HDFC Ergo Travel Insurance?

Many people are not fully aware of the benefits offered by travel insurance. You should carefully plan your vacation and always include a travel insurance cover so that you can comfortably enjoy the tour without worrying about any issues. In this regard, you can consider the HDFC Ergo Travel Insurance plan as it offers very good benefits at affordable rates. You can approach the company executives by visiting the nearest branch to get more details about the policy. On the other hand, it is also possible to choose the online mode and complete the process without any hassles. You can visit the official web portal of the company and understand the features of the policy in a detailed manner. You can even buy the policy online by providing all the details about your travel plan. This can save lots of time and you will be able to secure your tour with the best insurance coverage.

Best insurance policy for overseas travel

You should never take chances with your international trips as you will not be familiar with the foreign location. In this regard, the best thing you can do is to secure your trip with the HDFC Ergo Travel Insurance policy that offers coverage for loss of baggage, accidental hospitalization and flight delays. In this way, you will be able to enjoy your trip comfortably without any hassles. The major advantage of the policy is that it offers complete flexibility when it comes to choosing the number of days for which you need coverage. This is a good way to reduce your expenses and you will be able to save lots of money in this manner.

Different policies offered by HDFC Ergo

The advantage you get with reputed companies is that they offer multiple options for customers when it comes to getting travel insurance coverage. In this regard, you can choose any plan that meets your requirement and get the best value for your money. If you have any queries in this regard, you can get in touch with the company executives and they will guide you in the right direction to choose the suitable plan for your tour.


Individual Travel Insurance

This is suitable when you are traveling alone and you will get coverage for emergency medical expenses during your tour. In the same way, any loss of baggage and flight cancellation and delay will be offered coverage by the HDFC Ergo Travel Insurance plan. You can complete the process online and get the policy immediately without any hassles.

Family Travel Insurance

This is the best option to get coverage for your entire family at affordable rates. There is no need to buy individual plans for everyone in your group and you can buy the family plan offered by HDFC Ergo Travel Insurance policy and get medical coverage for your entire family. You will be able to get emergency medical coverage at any location of your choice and you need not worry about flight delays and cancellation when you have such coverage. Remember that medical expenses in a foreign location can cost you lots of money and having such plans will safeguard your family members during your tour.

Student Travel Insurance

If you are sending your child for studies to a foreign location, you should always secure them by choosing the Student Suraksha plan offered by HDFC Ergo Travel Insurance policy. This will give them medical coverage during their stay and you will also be able to get other benefits through this policy. You can get in touch with the company executives and enquire about various options available in this plan. This is also very inexpensive and you will be able to study abroad without any worries when you have such insurance coverage.

Inclusions of policy

Emergency medical expenses are covered under the HDFC Ergo Travel Insurance plan.
Medical expenses for personal accident is also offered coverage by the policy.
Delay or cancellation of flights will also be covered by the plan.
Loss of important documents and loss of baggage is also offered coverage by the plan.
You can also get personal liability cover with this policy.

Exclusions of policy

If there is any damage due to civil war or act of terrorism, coverage will not be provided by the policy.
Any damage to life or property due to use of drugs and alcohol will not be covered by the plan.
If you are injured while participating in adventure sports, coverage will not be given under the policy.

Amazing features of policy

The company offers convenient options for consumers to buy insurance and you can finish the process within minutes.
You will get to compare different plans available and this can help you to make the best choice for your tour.
You will have multiple options to make online payment and this saves lot of time when you are in a hurry to buy travel insurance.
The company offers very good customers support round the clock and you can get any doubts clarified from the customer support team.
The policy is valid in many countries across the world and you can get the complete list of countries by visiting the official portal of the company.
The company has so far offered the travel insurance coverage to millions of customers and they have good reputation in the market.
Whenever you have any queries, you can either call the customer care team or get in touch with them by forwarding an email.

In this manner, having the right policy will make sure that you will not face any inconvenience during your tour. You should be extra careful when you are traveling with your family and always include such travel insurance plans so that you can get the best coverage for your entire group. Remember that you can easily select the number of days for which you need coverage and there is no need to buy coverage for a long duration. This helps you to save money and you will be able to save time when you choose the online option to buy the policy.

For more updates and News follow Policybazaar Youtube

Wednesday 16 May 2018

Wash your stress away with domestic travel insurance


Life is full of uncertainties which come without any prior notice. These days people travel a lot; sometimes for work while sometimes for leisure. Everyone wants to leave their home without having any tension in mind. That is why domestic travel insurance has become a necessity especially for those who travel a lot. The domestic travel insurance policies let you enjoy a good travel journey within your own country. The travel insurance plans cover a lot of risks involved in traveling like the loss or theft of baggage, loss of travel tickets, medical costs and more.

You should do a lot of research work before purchasing any travel insurance plan. It is not possible to buy the travel plan at the last moment. These days a lot of tools are available online that help to compare various domestic travel insurance policies from different insurance companies available in the Indian market. Not only this, tools also help in selecting the best travel plan. One must compare features and benefits of various domestic travel plans in order to select the best one. Some of the activities that are not covered under travel plans are adventurous activities, criminal activities, self-initiated harm and accident due to the intake of alcohol or drugs.

The eligibility age for buying travel insurance plan varies from plan to plan. Though generally, it caters to the age group of 18 – 65 years. Getting a claim settled by any insurance company is a simple process. You can get it done by visiting the office of the insurer or sometimes can also do it online. Some insurance companies may settle your claim on the phone also. You should always look for a travel plan with a lot of benefits than the cheap price.


The domestic travel insurance plan actually reduces your tensions and lets you enjoy your trip freely within India. So if you are a person who has an indelible love for traveling and travels a lot then you must buy domestic travel insurance plan to get the cover for all the risks involved in the traveling. Religare, TATA AIG, HDFC ERGO, Apollo Munich and Bajaj Allianz are some of the top insurance companies that provide insurance for traveling.

Check out the various benefits of having a domestic travel insurance plan:

Covers the medical treatment:
This is the biggest benefit of buying travel plan. The insurance company bears all the medical cost in the unfortunate case when insured travel anywhere within India. The company pays for the hospitalisation fees and regular doctor visits. No pre-existing issues are covered under the travel insurance. So insured need not worry about the expense of the medical treatment as the company is there to support.

Provides claim for lost luggage:
The insurance company also provides claim when the luggage of insured is lost or stolen. The insurance company gives an opportunity to enjoy the trip freely without any kind of tension in mind. For this purpose, they are available 24 X 7 for their customers. The insurance company reimburses equal to the amount of lost luggage and the personal items inside. Make sure that you inform the insurance company immediately after the loss of luggage.

Gives peace of mind while traveling:
The domestic travel insurance plan has reduced the tension of people, who travel a lot for work or leisure. Now, they can go anywhere in India without any tension or worry. The insured can enjoy the trip without worrying about the financial loss that may occur due to the loss of luggage or tickets. Or if one faces any sudden health issue then he or she need not panic as the insurance company is there to reimburse their loses and also bear the medical costs. The insurance company has made the life of travelers very easy.

Can get the coverage in any part of the country:
The insurance company covers all kinds of risks of those who travel within India. Getting a claim for any loss suffered or medical cost incurred is very easy. The policyholder can immediately reach out to the office of the insurance company. There are some companies who settle the claim over the phone also. The insured can also get the claim reimbursed through the online platform. So you can get the coverage while traveling in any part of India.

Conclusion:
Traveling is fun and uncertainties might make your trip a bad one. So, it is important that you buy a domestic travel insurance plan as per your budget and requirement. It is wise to take a plan with a lot of benefits for an affordable price. Make sure that you do a lot of research before buying any plan. It is not a thing that you first decide and then buy at the last moment. You should compare the features and benefits of various travel plans in order to select the best travel plan as per your need.

The domestic travel insurance lets you enjoy your trip whether it is for business or leisure. If you face any financial burden due to the mishappenings including loss, theft, illness or injury then insurance company provides you financial assistance in its best capacity as promised. It is very easy to get your claim settled by the insurance company. You can reach out to companies via online medium as well as offline medium and that too while being in any part of the country.

Insurance companies cover the risk of loss of luggage, loss of tickets, medical costs and more. There are some of the activities that are not covered under the domestic travel insurance policies. Before buying any travel plan you should thoroughly check the documents and various terms and conditions so that you do not face any problem later on.

Now, you need not have any stress while traveling anywhere in India as domestic travel insurance policies are there to provide you a great help. For checking the benefits of domestic travel insurance policies, scroll up the page.

For more details check ​PolicyBazaar Customer Reviews

Monday 14 May 2018

Travelling with your family? Checkout the benefits of family travel insurance policy

Travelling with family is one of the best experience because this is the time that you get to spend time with your family away from home at some beautiful destination. It leaves you with some cherishable memories for your whole life. Family is the one group that is always on top of anyone’s priority list when it comes to traveling in a group and everyone makes a lot of plans while going on a vacation with family to make it more and more enjoyable. Family travel plan includes a lot of things like finalizing a destination, booking flights and resorts and a lot of shopping. But, what about the unforeseen emergencies. Most of us easily overlook the importance of travel insurance while travelling. I don’t understand why but most of us ignore this crucial step and put at risk the safety of our family. 

Today we are going to discuss about the benefits of a family travel insurance plan. Not only this we will first explain family travel insurance policies while also clearing the fog from some of the common myths. We really want you to understand the importance of buying a family travel insurance policy while travelling with family.

What is Family travel insurance policy?

Family travel insurance plan is not very different from a simple travel insurance plan for individuals rather it is similar to latter but the protection and benefits are extended for more number of members instead of only one.

It might sound strange but we need to define the term family before going further. Family as most of travel insurance companies define includes two adults (obviously husband and wife) and upto four children under the age of 18 years living with the parents and in this case travelling with them. Adopted and step children are usually included too.

Common Myths regarding Travel insurance

1. What possibly could go wrong on a trip?
One of the most common myth that prevails amongst us regarding travel insurance is why to waste money on an insurance when there is nothing that could possibly go wrong. But it is the most overestimated claim one can make. How can you be so sure that no emergency will arrive during your travel? Emergencies are just like opportunities; they also don’t knock the doors before coming. One can only be prepared for the worst and family travel insurance policy is probably the best way in case of your holiday. 

2. Health insurance is enough. Why a travel insurance?
NO, your health insurance plan and a family travel insurance plan are two different things. Your health insurance policy does not cover for the evacuation charges and some don’t work across the country boundaries. Besides this, your health insurance sum assure might not be enough to provide cover for medical expenses overboard due to different currency rates.

3. Claim process will be very difficult and why spend extra?
First of all, if you think that travel insurance is an extra expense then correct yourself because it is a necessity and not a choice. Moreover, online travel insurance plans tend to be cheaper because of non-involvement of intermediaries, so go for this instead.


Secondly, the claim process is not at all a hassle rather travel insurance plans are made to take the load off the shoulders of travelers so that they can enjoy more. Here also online travel insurance plans tend to have smoother claim process because of greater transparency.

4. Only adventure trip requires travel insurance
This myth is more or less similar to the first one and similarly popular. Yeah, probability of occurrence of an emergency on an adventure trip is high but that doesn’t mean that the chances of these situation reduces to zero on a non-adventure trip plus being on roads is no less than an adventure in India.

Benefits of Family travel insurance policy

We have put together some simple and straight forward advantages of travel insurance plans below. Take a look them:

1. Time plays the most crucial role in case of medical emergency especially overseas therefore, your travel insurance plan always be at an immediate help when you need it. 
2. 24X7 coverage for medical evacuation to the nearest hospital is provided and if that place does not have apt services required for the treatment, then evacuation to the nearest specialty hospital is also covered. But the hospitalization charges and other medical services comes under your health insurance.
3. In case you get injured on your travel and you are no longer able to work for some time atleast, then loss of income benefit is provided for a set period of time.
4. You are covered for reimbursement for the expenses bearded for replacement of passport, travelers cheques and other documents. Even cash theft is also covered.
5. When travelling by air, luggage responsibility is a big tension and to take this worry off from your shoulders, your travel insurance plan provides you cover in case you need to buy extra clothes if your luggage is delayed.
6. Accidental death coverage is also provided which means that in case of death within a period of 12 months of trip due to an injury incurred while travelling, a death cover is paid by the insurer.
7. It might be irrelevant but we would like to advise you in going for the online travel insurance plan because the process of buying is convenient and you can get cheaper deal. Moreover, online travel insurance plans are available in abundance offering you a wider choice.
8. Coverage for additional accommodation due to sickness or other possible reasons is also provided.
9. In case of delayed flights, expenses for additional stay and food are eligible for reimbursement.
10. Some plans even offer housekeeping services in case of incurring injuries during travel for a set period of time.

Conclusion

In the end, it will be good if you consider these 10 benefits for choosing between different travel insurance plan but you should definitely consider buying one when you travel with your family. Nothing matters more than the safety of your family and buying a Family travel insurance plan is just a small step in the right direction. We hope that we somehow convinced you of the importance of family travel insurance plan in case you were not in favor of it previously. 

For more updates and News follow Policybazaar Youtube





Friday 11 May 2018

Top 5 Travel Insurance Plans for 2018


Traveling is an exciting experience when you are going on a vacation and even if it is a business trip. Each and every detail of the trip is meticulously planned, right from the stay to the flight bookings. The itinerary is planned with extensive research and study to gain the most out of the trip. But what about the risks associated with travel? It is one aspect which often goes unattended for even the most exhaustively planned trips. Travel insurance is essential as it provides cover against risks such as flight delays, flight cancellations, loss of baggage or passport, accident, medical emergencies and much more.

Hence, travel experts and successful travel bloggers recommend that you should buy travel insurance online, but not just any travel insurance. The travel insurance plan must be carefully chosen and compared to all the other plans available.

While opting for a travel insurance plan, it is vital that you consider the plan that meets your requirement while not burning a hole in the pocket. We bring you the best 5 travel insurance plans for 2018 that should not be missed when you buy travel insurance online.

  1. HDFC Ergo

HDFC Ergo travel insurance plans offer wide geographic coverage and an exhaustive list of inclusion. This list helps you understand the various risks and incidents for which the plan provides cover. While the process of purchasing this policy is fairly simple, do study the policy terms and make sure you enter all correct information so as to avoid any difficulties in case of an emergency.

The policy provides cover in case of:

  1. Medical Emergencies: The policy covers your medical expenses incurred while traveling which include inpatient, outpatient care, diagnostic tests, medical aid etc.
  2. Personal Accidents: In case of accidental death or disability, the policy covers medical expenses incurred.
  3. Delays in Flight: In an event of delay in flight for 6 hours or more, the expenses incurred in order to procure meals and refreshments can be claimed for reimbursement.
  4. Delayed checked baggage: The reasonable expenses incurred to purchase toiletries, clothes, and medication when the baggage is delayed for 12 hours or more are covered under the insurance plan.
  5. Loss of Baggage: The plan also covers incidents such as loss of baggage or important documents such as the passport.

Last but not the least, the HDFC Ergo Travel Insurance plan also includes personal liability, an important cover in case you are traveling with kids.



  1. Bharti AXA
Bharti AXA offers two major travel insurance plans: individual/family travel insurance plan and student insurance plan. The plans cover critical travel risks and the process to buy travel insurance online is swift and easy. The various aspects covered by the plans are:

       Medical Emergencies
       Personal Accident or Injury
       Daily Cash Allowance
       Loss of essentials
       Legal Expenses
       Cancellation or Delay of Trip
       Emergency Distress
       Hijacked Flight
       Home and Fire Insurance


  1. TATA AIG
TATA AIG Insurance offers extensive coverage and protection in emergencies. The insured stays protected at each and every step of the trip. The company offers 4 travel insurance plans:

  1. Travel Guard Plan
  2. Asia Travel Guard Plan
  3. Domestic Travel Guard Plan
  4. Student Guard Plan

The company provides compensation in case:

       there is a burglary in your home while you are traveling.
       your passport is lost or damaged during the trip.
       your flight is hijacked by terrorists.
       the flight is delayed for 12 hours or more due to a covered hazard.
       there are any unauthorized transactions on your lost card
       the hotel or airline bookings are canceled by the proprietor.
       the checked in baggage is lost by the airline.
       your baggage is delayed or even misdirected.
        any fresh booking needs to be made if the connecting or departing flight is canceled.
       of property damage.
       there is trip interruption or cancellation.

  1. Bajaj Allianz
Bajaj Allianz offers a variety of travel insurance products which are designed to meet the specific needs of the different set of customers from all walks of life. Their travel insurance plan range from Individual Travel Insurance Plan, Family Travel Insurance Plan, Senior Citizen Travel Insurance Plan, Student Travel Insurance Plan, Corporate Travel Insurance Plan, Travel Asia Plan and Bharat Bhraman Plan which is their domestic travel insurance plan.

Bajaj Allianz insists on quick disbursement of claims by the insured. The plans include essential travel risks and expenses associated with hospitalization, loss of baggage, cancellation of trip, interruption or curtailment of the trip. In addition to these, the plan also provides cover in case there is a burglary in your home while you are traveling.

Also, as part of the Travel Ezee service provided by the company, the customer is notified of any flight changes and payout eligibility. Here the process is initiated by the company automatically to settle the claim.

  1. Apollo Munich
Apollo Munich easy travel insurance plan offers travel insurance plan that covers risks of theft, illness and other various unprecedented risks you may face while traveling. The plan has five variants: Platinum, Gold, Silver, Bronze and Asian Region. The sum insured in these variants range from a minimum of 25,000 USD to a maximum of 5,00,000 USD. Anyone between the age of 6 months and 70 years can be insured under the plan with a travel duration of up to 180 days.

These are the plan benefits for the Apollo Munich easy travel insurance plan which you should consider when deciding to buy travel insurance online:

       Medical treatment, expenses for hospitalization, emergency evacuation and even dental care required in case of an accident.
       The plan covers costs for repatriation of mortal remains to the home country or the final rites in the foreign country.
       Daily allowance for every 24 hours of hospitalization.
       Cover for a personal accident resulting in death or disability.
       In case of loss or delay of checked baggage by the carrier and expenses incurred in case of loss of passport.
       In addition to these benefits, the plan covers incidents such as hijacked flight, canceled or curtailed trip, missed connecting or cancellation of flights, personal liability etc. 

With a plethora of options available today, it is smart to compare and study the best plans available before you buy travel insurance online. A carefully chosen travel insurance plan can save the day and ensure a smooth journey.

For more details check ​PolicyBazaar Customer Reviews