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Given below are the top-notch domestic travel insurance providers in India:
Domestic Travel Insurance
|While most of us realize the need for a travel insurance while traveling abroad, we tend to ignore the fact, that the risks are very real within the country too. |
From everyday problems like trip delays, cancellations, and baggage loss, to unfortunate circumstances like medical emergencies and accidental demise – we cover them all.
A domestic travel policy for all individuals travelling within India, for holiday/business/personal trips in common or private vehicles including bicycles. The first of its kind, this policy can be availed for e-commerce cabs as well. The period of this policy, can be as short as one cab ride and can be as long as 365 days after which it has to be renewed. This policy primarily has five plans, which are
*An individual can opt for one or more policies depending on their travel itinerary
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With a range of cover for individuals or corporates, Single–Trip and Multi–Trip cover options: our global network will have you covered 24/7.
If during the policy period, the insured person sustains injuries which results in death, then the insurer will pay the Sum Insured to the insured person’s nominee or legal representatives.
If during the policy period, the insured person sustains accidental bodily injuries which result in permanent total disability, then the insurer will pay the Sum Insured to the insured person’s nominee or legal representatives. Permanent total disability, should mean any of the following
Under this domestic travel policy, if the company has accepted a claim under Death or Permanent Total Disability, then the company will make an additional onetime payment of 2% of Sum Insured, per dependent child towards the Cost of Education of up to two of your dependent children who were under the age of 21 and who were studying on the date you met with the Accidental Bodily Injury.
Apart from the base cover, this domestic travel policy offers a host of optional covers that can be purchased to offer
Covers loss of accommodation & travel charges paid, or contracted to be paid, in the event of trip cancelation due to Death, serious injury or sudden sickness of insured orspouse / parent / sibling / in-laws of the insured.
Covers checked-in baggage that is either stolen, or lost or misplaced by the airline. *10% per item and 50% Per Baggage
Covers flight delays beyond 6 hours after the scheduled departure.
Covers loss of life due to an accident on trip.
Emergency Accidental Medical Reimbursement
Covers medical expenses incurred due to an accident on trip.
24 Hours Assistance
Includes, Medical referrals, Medical Evacuation, Case Managements, Medical Advises, Claims assistance, Claims processing, Arrangement for ambulance.
Most domestic travel insurance policies in India offers the following covers with slight variations.
Some domestic travel insurance claims are promptly settled amicably over the phone while there are many others that will need you to complete claim forms, producing applicable papers, witness accounts and so on. It all depends on the kind of claim and how well you present it. In short, keep it straightforward to get paid swiftly. Nowadays you can easily file for claims online by attaching the relevant documents.
For example Flight Cancellation/ Delay:
Air carriers are infamous for adjourning flights and occasionally even cancelling at the eleventh hour. This not only leads annoying inconvenience but will also be overpriced as you can miss connection flights and hotel accommodations, not to mention important business conferences. Not everyone can afford to buy another ticket at the last moment. Here, the insurance cover recompenses you for the interruptions. The only condition is that you must avail a certificate from the particular airline validating your claim or face claim denial.