Going Over Seas With Your Friends? Here is Why Buying Travel Insurance is Necessary

If you are visiting a foreign country as a group, you can purchase a group travel insurance policy. The group travel insurance policy is affordable and it can be customized as per your needs. Various kinds of risks during the journey such as loss of baggage, hospitalization and personal liability can be overcome by subscribing to a comprehensive travel insurance policy. A travel insurance policy will combine the benefits of the travel insurance plus medical insurance. Even though you possess a health insurance plan, you should subscribe to a comprehensive travel insurance plan to make the most of your investment. 

Benefits of travel insurance plan 

A group travel insurance plan can be subscribed from the comforts of your home or office.  You can Compare Overseas Travel Insurance Online and the best policy that fulfills your needs can be subscribed very easily. 

• Emergency travel benefits – The emergency medical conveyance and travel costs for medical repatriation will be offered by the travel insurance company. 

• Emergency medical costs – The expenses that are incurred due health issues while traveling will be borne by the insurance company. You should go through the terms and conditions of the policy to understand all the features under the policy. 

• Medical deportation – The medical deportation facility will be offered by the insurance company. The medical deportation costs are very high. Hence, you should buy a policy to cover the risk. By paying few hundred rupees in Indian currency, you will get benefit in thousands of dollars. 

• Loss of key documents – You should carry your passport while traveling to a foreign country. If you lose or misplace your passport, a new passport will be arranged by the insurance company. As soon as you realize the loss, the information should be brought to the notice of the insurance company. 

• Cancellation of the trip – The trip might be canceled due to various reasons. The health issues or destination-related issues will affect your journey. If the trip is canceled, you will want to lose money on various fronts. The loss will be minimized or made zero with the help of a comprehensive travel insurance policy. 

• Hijack disaster – The hijack disaster can be covered by the travel insurance policy. The premium for covering the hijack risk will be based on the risk potential. The insurance company will pay compensation for every 6 hours of loss.

• Trip interruption – The trip will be interrupted due to various reasons which are beyond your control. The travel insurance company is liable to pay accommodation charges or travel compensation as per the case. 

You may like to read : Here is How a Travel Insurance Plan Can Keep Travel-Related Troubles Away

Exclusions 

You should be aware of exclusions in a travel insurance plan. If the trip is canceled by the tour operator, the cancellation is not covered by the insurance company. However, you can strike a special deal with the insurance company to include the trip cancellation by the tour operator in which case, you will get the compensation. 

• Pre-existing health issues – The pre-existing health issues are not covered by the insurance company. If you are suffering from health issues, you should get medical advice and get fitness certificate from the doctor before the commencement of the journey. 

• Sports injuries – If you participate in adventure sports, the loss or damage occurred due to injuries will not be covered by the travel insurance policy. 

• Mental disorders – The mental illnesses are not covered by the travel insurance plan. If there is self-inflicting injury such as suicide, it will not be covered by the insurance plan. 

HDFC Ergo Group Travel Insurance Plan 

Every organization will offer a group travel insurance plan to cover the needs of employees. The group policy can be customized as per your needs. 

Features 

• Covers international travelers 

• Frequent travelers can opt for multi-trip travel 

• Assistance provider services

• Contingency travel benefit 

• Emergency travel 

Frequent flyer interruption – Under the frequent flyer interruption, users will have access to emergency travel, contingency benefit and assistant provider services. 

Optional benefits – The optional benefits offered by the travel insurance policy include emergency medical expenses, emergency travel benefits, baggage delay, baggage loss, hijacking, flight delay, trip cancellation and trip interruption. 

Bajaj Allianz General Insurance Company 

• Covers medical expenses, evacuation, and repatriation 

• Emergency dental plan 

• Loss of baggage 

• Loss of travel documents 

• Personal liability 

• Trip delay 

• Hijack 

Bajaj Allianz offers various kinds of group insurance policies to fulfill the needs of all kinds of customers. The corporate plans are ideal to accommodate several employees in a single policy. The premium will be low and the benefits will be many. The policy can be bought online after customizing it as per your needs. 

Reliance group insurance 

The travel insurance plan covers the following risks: 

• Trip cancellation 

• Flight delays 

• Loss of luggage 

• Loss of passport 

• Emergency medical expenses 

• Special distress allowance 

The policy can be customized as per your needs. The policy comes with the free international debit card. Some of the convenient features include cashless hospitalization, no medical check-ups, and expenses towards the emergency evacuation to India will be covered by the policy. 

Selection of overseas group travel insurance policy 

The group travel insurance policy should offer 100% trip cancellation coverage. You should get clarification about the percentage of cancellation coverage if the insurance company fails to offer 100% trip cancellation coverage. 

The trip interruption coverage will be up to 150% by some travel insurance companies. You should be aware of the claim settlement ratio of the insurance company before ordering a policy online.

You should get quotes from three or more insurance companies. After comparing the features, insurance premium, claim settlement ratio and customer support offered by various travel insurance companies, you can settle for the best policy as per your needs. 

Conclusion 

A group travel insurance company is a convenient option to maximize savings and it will cover various risks in a very efficient manner. You can buy a group policy online. 

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Travelling in a group? This is why you should buy a group travel insurance

When you are traveling with your group of friends and family members for a vacation, you need to make the best travel arrangements so that you will have a memorable trip without any problems. In this situation, make sure to include a proper travel insurance for everyone in the group. You never know when any problem can strike you during travel and you will be on the safe side when you get best travel insurance cover for your group. The best part about choosing such plans is that you can easily avoid buying the policy for each individual and you can instead get one policy for the entire group. Yet another advantage of choosing this option is that it saves lot of money as the premium amount per person will decrease drastically when you compare it with the individual plans. This will ensure that your vacation can go smoothly without any problems and you will not face any inconvenience due to lack of insurance cover. It is not very expensive and you can easily get to know the quotes for various plans by choosing the services of online portals. In this way, you can easily calculate your budget for the vacation and include the insurance cover as part of the trip expenses.

Group Travel Insurance for businesses

Many companies choose to get best travel insurance cover for their entire team so that they can save money on the premium amount. In this way, there is no need to buy insurance policy for every employee when they have to travel for work related activities. The coverage can be extended to all the members in the team and the companies usually choose the annual policy for their team. This means that the coverage will be available throughout the year and the employees can travel anywhere for work throughout the year. This can be chosen for both domestic as well as international travel needs. However, you need to buy separate policies to cover domestic and international travel for your team.

Group travel insurance for families

Not only companies, even individuals can choose to buy this policy for their family members and friends when they are planning a vacation together within India or abroad. This ensures that every person in the group will get adequate health cover and accident cover during travel. This can be a huge relief when you are planning the trip with many people as you never know when an emergency situation may strike one of them. You will be completely protected and even financial loss arising out of loss of baggage or flight cancellation and delays will be covered by the policy. All you need to do is to get best travel insurance cover whenever you are traveling in a group and enjoy your vacation in a comfortable manner.

You amy like to read : Before You Take Your Next Trip, Here's Why Should Need Travel Insurance

Benefits of choosing group travel insurance plans

•        You can easily get accident coverage with this policy and this will mean that you can get the best treatment at the nearby hospitals without worrying about expenses.

•        If your condition needs medical deportation to a different region, you can even get coverage for this issue when you get best travel insurance cover for your team.

•        This will be a huge relief when your vehicle is involved in an accident and many people in your team are injured in the accident.

•        If you happen to lose important documents like passport, you can get coverage for this problem with the best travel insurance policy.

•        If your trip gets cancelled due to weather conditions or other problems, you can claim insurance with the suitable travel insurance plan.

•        It is very inexpensive and you can easily get to save money when you choose group insurance plans instead of individual plans for all your team members.

•        When it comes to making claims for the policy, you need not worry about anything as the entire process is hassle free and you can complete the process within no time.

Be aware of exclusions

Remember that every policy comes with few exclusions and you need to be aware of this when you buy group travel insurance from reputed companies. All the exclusions will be clearly mentioned in the policy document and you can get further clarification from the company executives. Many companies do not offer coverage for maternity issues when you are traveling and you need to take care of your health by choosing other health policies. Similarly, if you are having any pre-existing illness, you may not get coverage for the same during travel. When your baggage is lost only for a couple of hours and found later, you will not be able to claim compensation under this policy. Make sure that you are aware of such issues when you get best travel insurance cover for your team.

How to buy the best group travel insurance plan?

It is very easy to get best travel insurance cover from the market. All you have to do is to approach the reliable companies in the industry and discuss your requirements with the company executives. They will guide you to choose the best policy that offers maximum coverage for your travel needs. You can even get free quotes from them and choose the suitable plan according to your budget. Other than that, you can also visit the online portals that offer information about insurance policies and checkout the latest options available for your travel needs. This will give you the best idea about various options available in the market and you can select the best one among them. You can even save money when you compare different plans as you will be able to choose the suitable plans that offer discounts for group travel needs.

Whether you are traveling within the country or abroad, make sure that you secure your entire team with a proper group travel insurance plan. This can help you in times of crisis and there is no need to spend money on emergency medical expenses during travel when you are secured with a good travel insurance plan.

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Quick Guide To Planning A Big Trip With Friends

Group travel has its own advantages. It is possible to explore new destinations as a group and there will be great fun and excitement. Your confidence levels will be very high and you will not feel left alone even though you visit a foreign land. The group holiday will also help you set aside your routine chores and you will be absorbed in undertaking various kinds of group activities. The special package from the travel insurance will save you time, effort and money. The Group Travel Insurance Plans are ideal as they are affordable and you will gain greater benefits. 

Involve everyone - To make the most of group travel, everyone should be involved. The group should chalk out the destination and travel itinerary. The travel plan should fulfill everyone’s needs. By creating fear of missing out (FOMO) apprehension, no one would like to drop from the group holiday. 

Means of travel – The means of travel might be air or water. Long distances can be covered very easily by air travel. You can also plan a cruise trip so that there will be a chance to explore a different kind of journey without any issues. Special travel concessions are offered by airlines and cruise ships for group booking. You can also book cabs or minivans at various locations to cover the road transportation needs. It is possible to subscribe to best Travel Insurance Plans as per your budget and activities. 

Book your accommodation – You can book your hotel or resort as per your plan. There are residential apartments where facilities are provided for cooking as well. As you occupy furnished apartments, you can prepare your own food by dividing the group into various groups. You can also enjoy local dishes served at reputed hotels. The accommodation should be planned for the entire duration of the trip. 

Start saving – If you plan your trip a few months in advance, you can save money on a monthly basis so that there will not be any financial burden. Hence, you should be aware of the travelling expenses, accommodation charges and sightseeing expenses so that you can save easily. 

Get the right credit card – There are certain kinds of travel cards with which you can enjoy a number of benefits. The transaction charges on special Forex cards will be low.  You can consult your local bank which offers travel-friendly cards. The currency of the landing country can be withdrawn very easily by choosing a Forex card. 

Visa and availability – You can arrange a visa for group members very easily and it is possible to process the application very quickly. The respective country will be interested to give warm welcome for tourists as it will increase their foreign currency levels. 

Vaccinations – Some countries stipulate vaccination for foreigners. You should be aware of the information. If you check the travel requirements of respective countries, you can undergo vaccination without fail. You are advised to choose the best travel insurance plans so that your needs are covered in a very efficient manner. 

Shopping – The group planning should include shopping activities. You can find unique and attractive items in certain destinations. There are great memories and you can bring gifts to your friends and relatives as well. 

Sightseeing – The sightseeing offers are many for group travelers. There are some expensive activities; you should plan them as per your budget. 

Pack your baggage – You should prepare a list of items that you should pack for your holiday. Protective clothing and additional gear should be procured to manage various kinds of activities without any issues. 

Group travel insurance policy benefits  

As there are many group travel insurance companies in India, you should compare the best policy as per your group needs. There are international as well as domestic group travel insurance policies. The premium is in proportion to the type of policy and the coverage.

• Single and multi-trip - There are single-trip as well as multi-trip group travel insurance policies. 

• Medical costs - The emergency medical costs are borne by the group policy 

• Trip cancellation - The cancellation or alteration of the trip will be covered by travel insurance plans. 

• Loss of documents - There will be a cover for key documents such as a passport. If your insurance has cover against the loss of passport, you will get a new passport very easily. 

• Legal assistance – If you are caught in a foreign for a crime, the legal assistance will be covered by the travel insurance policy. 

• Loss of baggage – If there is a loss of checked-in baggage the bag search process will be initiated. Even though you lose the items, the insurance company will pay the compensation as per the policy wording. 

Conclusion 

You can plan and execute group travel in a very efficient manner with the help of the tips offered by experts. The quick guide will also help the first-timers for better planning. Group Travel Insurance Plans are affordable and you can make the most of your investment!

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How to Travel with a Group of Friends?

Travelling is a highly exhilarating experience and especially travelling with friends. So how do you make a trip with friends memorable, here is a list of all the ideas and strategies in order to make your trip easy.

Choosing your companions: When you are deciding who you want to go with, it is also important to choose those who you easily get along with. Travelling always forces you and your friends to be together constantly. As you will be spending much time together you will need to decide which friends to take along and which to avoid so that there is good compatibility and no conflicts on your trip. 

Money: The second most important thing when it comes to travelling. Money has always been a sensitive topic, and by agreeing on things beforehand you can avoid conflict later. What one person considers to be affordable might not seem to be the same for the other. So deciding the budget of the trip and how much money to carry along would be the ideal thing. 

Communication: One of the best ways of reducing stress during travelling is communication. So whether you are on a trip with your best friend or with a new friend having a proper communication will benefit everyone. For example telling your friend if there is something bothering her in the entire trip then don't hesitate to tell them. 

Creating an Itinerary: You don't have to plan your trip hour by hour. But can along with your friends decide where you want to go, and how you wish to go. Your travel companions must gel well with the idea of what they are exactly getting into. 

Making sure there are enough rooms: Do not make everyone stay in the same room. Some people have the habit of snoring or fidgeting during their sleep. So the more number of beds you have, the more number of chances you will have to make adjustments. Try and search for a hotel or place where there will be separate rooms for all in a tight budget. 

Helping your friends prepare: Some of your friends might have less travel experience. So do offer them some advice of what to bring, and what they can expect from the entire trip. 

Travelling without Travel Insurance nowadays is an open invitation to unnecessary expenses occurring due to any untoward happening. 

So here are the 5 best travel insurance plans for you to review and make a selection from.

Apollo Munich: Apollo Munich is considered to be one of the best travel insurance providers in India. It offers five kinds of travel insurance policies and they are Easy Travel Individual, Easy Travel Family, Easy Travel Senior Citizen, Easy Travel Annual Multi Trip Plan, Educare (Students travel insurance plan). 

The features of this insurance plan are as follows 

1. Personal Liability, Maternity benefit, childcare benefit, Treatment of Mental and Nervous Disorder; Including Alcoholism and Drug Dependency. 

2. Medical Expenses for Inter-collegiate Sports Injuries, Cancer Screening and Mammography Examinations, Emergency Financial Assistance, HIV Cover.

3. Delay of Checked Baggage. 

4. Loss of Passport, Financial Emergency Cash, Personal Liability, Trip Delay, Hijack Daily Allowance.

5. Trip Cancellation and Curtailment, Missed Connection

Bajaj Allianz: Bajaj Allianz has received the award for best travel insurance company in 2011, 2010 and 2014. The company offers customers with plans like Individual Travel insurance Plan, Family Travel insurance Plan, Senior Citizen Travel Insurance Plan, Student Travel Insurance and the last but not the least Corporate travel Insurance plan. 

The features of this plan include:

• Medical Expenses,

• Evacuation and Repatriation

• Emergency dental pain relief

• Loss of Checked Baggage

• Delay of Baggage, Personal Accident, Loss of Passport, 

• Personal Liability, Hijack, Trip Delay etc. 

• Emergency Cash Advance

Bajaj Travel Asia plan: Apart from the five types of travel insurance plan, Bajaj has also come up with customized travel insurance plan called as Travel Asia. Like the other categories the plan also has variants in terms of the coverage amount. It comes with a coverage amount of US$15,000 and US$ 25,000 respectively. The features of this policy are as follows: 

• Delay of Baggage

• Personal Accident

• Loss of passport

• Personal Liability

• Hijack

• Emergency Cash Advance

• Medical Expenses, Evacuation and Repatriation

• Emergency dental pain relief

• Loss of Checked Baggage

• AD & D Common Carrier

HDFC Ergo: HDFC Ergo Travel Insurance policy offers customers with single trip multi Asia plan, Family Floater plan and a Student Travel Insurance Plan called Student Suraksha etc.

The features of this policy are:

1. Accidental Death and Permanent Total Disability Common Carrier

2. Emergency Dental expenses 

3. Hospital Cash

4. Loss of Baggage and Personal Documents

5. Contingency Travel Benefits

6. Hijack Distress Allowance

To conclude 

Now that you have become familiar with the different kinds of insurance plans in India, you can have your policy purchased from any of these Insurance companies as per your needs and requirements. You can choose any one from the above mentioned providers and get the travel insurance policy directly from their portal.

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Group Travel Insurance, Popular Travel Medical Insurance Plans

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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