People normally associate travel insurance with international trips. However, domestic travel insurance is as significant, if not more. Uncertainties associated with travel, more or less remain the same whether it is an international trip or a domestic one. Yes, the expenses can be cumbersome in case of an international trip. However, expenses are still expenses when incurred in national currency. Therefore, one must examine and acquire a perfect domestic travel insurance policy to explore worry-free within India.
Medical expenses
Falling ill during a trip can be unfavorable. Not only does your tour gets spoilt but you have to pay money on treating your illness, something that wasn’t a part of your plan. Domestic travel insurance in India comprises such medical expenses so that you do not have to face monetary losses.
Baggage Loss
Whether you travel light or with lots of suitcases, the loss of such baggage can determine to be a major obstacle in your journey. Not only is there a loss of baggage but also of time and stress in managing your trip without the baggage. Domestic travel insurance in India covers you for loss of baggage due to theft or contrarily.
Personal Accident Cover
Accidents can occur anywhere, anytime, and with anyone. Therefore, travel insurance covers travelers against damages faced during their insured trip. Accidental death and disability are also incorporated.
Flight Delay
There can be many reasons for a delay in your flight. It can be traumatic to miss a connecting flight. Travel insurance provides a cover against such risks.
Personal Liability
There is a possibility that your actions while on a trip can create damage to other person or their belongings. In such cases, you will be held liable to compensate them for the losses sustained. A travel insurance policy can come in helpful here as well.
Emergency Cash
No matter how digital-savvy one becomes, seldom the need for cash can’t be ignored. Travel insurance companies know the significance of cash and make it accessible during difficult situations.
Eligibility Criteria
You can make use of domestic travel insurance if you are in the age group of 18 to 65 and are traveling in India via roadways, airways, or railways. Your purpose also acts a significant role in choosing the insurance cover. Your insurance company might also want to know the duration of your trip, your health condition, and other such information.
Exclusions of a Domestic Travel Insurance Policy
Along with grasping the coverage, you should also educate yourself about the exclusions of a domestic travel insurance policy. Understanding the exclusions aids to make a knowledgeable choice and raise claims in a relevant manner. Here is a list of exclusions followed by most of the insurance providers:
- Expenses that are non-medical are not included
- If a doctor’s advice is not accompanied and the patient is traveling despite doctor’s order of not doing so
- In case the accident was made under the influence of intoxicants such as alcohol, drugs, etc.
- If the injury has provoked because of self-harm
- If the insured person got injured while entangled in an illegal activity
- Losses due to civil war or war-like situations shall not be comprised
- Injuries sustained due to engagement in activities such as adventure sports might not be covered
Travel Insurance Online in India
Nowadays, it has become easy & manageable to insure your trip online. You can obtain travel insurance online in India from your mobile phone as well if you have a proper internet connection. You just have to visit your selected insurance provider’s website, give necessary details, select a plan, make the payment, and obtain the policy in your inbox. If you need to present several reports or the insurer needs you to undergo some health-related tests, the same shall be notified to you and the process shall be made swiftly.
