Domestic Travel Policy-Bharat Bhraman Travel Insurance

Insurance Companies offering Best Domestic Travel Insurance:

Given below are the top-notch domestic travel insurance providers in India:

• Tata AIG
• Reliance
• Appollo Munich
• Bajaj Allianz
• Religare

Domestic Travel Insurance

Coverage for trip delays and baggage loss – makes perfect sense in India.

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

• PLAN A for Travel by E- Commerce Cabs only
• PLAN B for Travel by Bus only
• PLAN C for Travel by Train only
• PLAN D for Travel by Scheduled Airlines only
• PLAN E for Travel by Other Modes/Multiple Modes of Transport

*An individual can opt for one or more policies depending on their travel itinerary

Note:Now get on-call support anywhere in the world. Just call on 9971486715 and we’ll connect with you on priority.

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.

Bharat Bhraman Travel Insurance

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Basic Coverage

Personal Accident Cover

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.

Permanent total disability

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

• Loss of vision in one or both eyes.
• Loss of ability to use both hands/feet or amputation of both hands/feet.
• Loss of ability to use one hand/feet or amputation of one hand/feet.

Child Education Bonus

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.

Specific Conditions

• The dependent child/children must be studying at an accredited educational institution on the date of the Insured met with an Accidental Bodily Injury.
• The age of dependent child or children should not exceed 21 years.

Optional Covers

Apart from the base cover, this domestic travel policy offers a host of optional covers that can be purchased to offer

• Accidental Hospitalization Expenses.
• Hospital Daily Allowance.
• Emergency Medical Evacuation.
• Personal Liability
• Trip Cancellation.

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.

• Emergency Hotel Extension.
• Missed Connection.
• Home Burglary Insurance.

• Bounced Hotel.
• Compassionate Visit by a Family Member.
• Delay of Checked Baggage.
• Loss of Checked Baggage.

Covers checked-in baggage that is either stolen, or lost or misplaced by the airline. *10% per item and 50% Per Baggage

• Trip Curtailment.
• Trip Delay by Scheduled Aircraft.

Covers flight delays beyond 6 hours after the scheduled departure.

• Repatriation of Remains.
• Adventure Sport Benefit.

Accidental Death 

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.

Exclusions

• Suicide, attempted suicide or self-inflicted injury or illness.
• Any form of mental or nervous disorder, including stress anxiety and depression.
• Any act carried out under the influence of liquor, drugs, alcohol or other intoxicants.
• Expenses incurred on neck belts, wrist bandages, walking sticks, abdomen belts, CPAP or any other similar external aid/device.
• Participation in any motor racing or trial runs as a driver, co-driver or passenger. *

Domestic Travel Insurance Policy Inclusions:

Most domestic travel insurance policies in India offers the following covers with slight variations.

• Accidental demise and PTD (24 hours)
• Coverage for accidental hospitalization
• Medical evacuation advantage in case of emergency
• Deportation of remains benefit
• Individual liability benefit
• Accidental hospital money Benefit
• Hotel accommodation rent if the trip is postponed due to delay in train/ plane arrival.
• Loss of Ticket – Rail/Flight following accident
• For transportation of family
• Additional staff assistance in case of emergency (Only for business tours)
• Ticket expenses if you miss the train or flight due to an accident

Domestic Travel Insurance General Exclusions:

• If the insurance holder is travelling against the advice of a doctor, travelling for medical treatment or is diagnosed with a terminal illness.
• Suicide, self wreaked harm, STDs, mental or nervous disorder (such as stress, depression, anxiety etc.)
• If you are a member of the Military or Armed Forces of any nation and has not specified that.
• Accidents caused under the influence of alcohol or drugs.
• Being a part of any attempted crime, civil commotion, misdemeanor, or riot.
• Working or learning to handle any aircraft, or carrying out duties as a crew member on any aircraft or Scheduled Airline.
• Participation in adventure and winter sports like skydiving, parachuting, skiing, mountaineering, hang gliding, bungee jumping, scuba diving, or races on any motorized automobile.
• Activities like caving or pot-holing, hunting or horse-riding, surfing, underwater sports, canoeing and rafting.
• Complications due to prolonged childbirth or pregnancy.
• All non medical expenses.

Domestic Travel Insurance Plan Claim Process:

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.