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.
- 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:
- Medical
Emergencies: The policy covers your medical expenses incurred while
traveling which include inpatient, outpatient care, diagnostic tests,
medical aid etc.
- Personal
Accidents: In case of accidental death or disability, the policy covers
medical expenses incurred.
- 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.
- 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.
- 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.
You may like to read : The Significance of Domestic Travel Insurance
- 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
- 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:
- Travel Guard
Plan
- Asia Travel
Guard Plan
- Domestic
Travel Guard Plan
- 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.
- 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.
- 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
No comments:
Post a Comment