The purpose of traveling is not the same for two travelers. Travelers insurance
plans are also designed to meet the varied needs of the travelers in India. Here
is brief look at several different type of online travel insurance policy available
in India. Travelers can pick any one type of travel insurance policy as per their
Domestic Travel Insurance policy
Domestic travel insurance plans are crafted for those travelers who are traveling
within India. This travelers insurance provide coverage against unexpected events
like death or disability due to accident, missed departure, trip delay, loss of
tickets and the likes.
Overseas Travel Insurance policy
This travel insurance plan is designed specifically for those travelers who are
traveling to overseas countries. The international travel insurance online policy
offers cover against a wide range of eventualities. Coverage for repatriation expenses,
medical evacuation to India, loss of personal items and passport are some of the
safeguards offered by a good overseas travel insurance policy.
Corporate Travel Insurance policy
Corporate or group travel insurance in India is meant for a group of employees of
a particular organization and it is also known as group travel insurance cover.
Depending on the terms and conditions, group travel insurance plans can cover both
domestic and overseas trips.
Student Travel Insurance policy
This travel insurance plan offers coverage to those students that are traveling
abroad for higher studies. A comprehensive student travel insurance plan in India
covers students' expenses due to medical treatment, loss of student visa, passport.
The beauty of a student travel insurance cover is it involves nominal paperwork.
Senior Citizen Travel Insurance policy
Senior citizen travel insurance plans are aimed to meet the needs of elderly travelers
in India during their trips to overseas countries. People in the age group 61-70
are eligible for this travel cover. Senior citizen travel insurance plans provide
coverage against dental treatments and it also facilitates elderly people with the
facility of cashless hospitalization.
Family Travel Insurance policy
Family travel insurance plan is ideal for those travelers who prefer to be traveling
with their whole family. A family travel Insurance in India cover keep an entire
family financially protected from various exigencies that may occur during the trip.
Good family travel insurance policies provide coverage against emergency cashless
hospitalization, loss of passport and baggage and many other unexpected expenses
Individual Travel Insurance policy
Individual travel insurance policies cover individual travelers from various unexpected
scenarios such as trip delay, curtailment or total cancellation or trip. A good
individual travelers insurance policy in India provide policyholders with peace
of mind during their trips as there is coverage against home burglary.
Multi-Trip Travel Insurance policy
A multi-trip travel insurance plan in India aims to cover multiple trips in a particular
year. Typically, business people in India who make frequent visits to overseas countries
opt for this type of overseas travel insurance plans. The benefit of availing a
good multi-trip travel insurance plan is travelers don't have to buy travel insurance
online each time they fly and it is also lot cheaper than the costs of many single-trip
Single Trip Insurance policy
This type of travel insurance policy keeps travelers covered for just a single trip.
All the regular coverage on offer at travel insurance online policies like medical
and non-medical emergencies are available with a good single trip insurance plan
The duration of an international travel insurance policy varies from one insurer
to another. The minimum duration for a travelers insurance policy is 2 days and
the maximum duration depends on type of travel insurance plan travelers choose.
Here is a rundown of duration of different types of international travel insurance
Travelers insurance plans for non-schengen countries - minimum limit is 2 days and
maximum limit is 182 days. This maximum duration of the travelers insurance can
also be extended up to 356 days.
Travelers insurance plans for schengen countries – minimum duration is 2 days and
maximum duration is 182 days.
Multi trip travel insurance plan – Multiple trips within a year are covered under
a multi-trip travel insurance plan. However, there is a specified limit of 30 or
45 or 60 days for each trip within a year.