Faq’s on Overseas/ Travel Insurance

Why do I need Travel Insurance?
Traveling always involves risk, furthermore when traveling abroad you might face any trouble like sudden medical requirement, loss of baggage, and loss of your passport, and spending money in foreign land would really cost you much. Thus travel insurance aids you and your family during contingencies like sickness, accident, loss of passport etc. in a foreign country.

What does the Overseas Travel Insurance policy cover?
• It covers for medical expenses which also includes cashless facility • It covers for any loss or delay of baggage. • It covers for the loss of passport. • It covers transportation of mortal remains • It covers personal accident. • In addition to hospital expenses it covers hospital cash i.e. daily allowance. • It also covers personal liability • It also covers any other kind of financial emergency due to robbery or theft abroad.

Is there any Medical check-up required for taking the travel insurance policy?
There is no Medical check-up required to take travel insurance policy. But a completed and signed Medical Declaration from the Insured is required as a pre-requisite cover regarding his recent health conditions.

When does the cover begin?
The cover begins on the day specified in the policy schedule or the time you board the conveyance when you leave for overseas journey or the contracted departure date as per the policy, whichever is later

What determines the premium?
Premium is determined by the following factors: • Number of days for which you have arranged your trip • The country you are visiting • Age of the person who is traveling

What is the need of Student overseas travel insurance?
During the time of crises when you are far away from home Student overseas travel insurance policy helps and ensures that your stay and study go smoothly in a foreign land.

How will I benefit if I buy the student overseas policy from India?
Buying a policy from India will cost much less of what you would have to pay if you buy it from an international insurance company because the premium is payable in rupees.

What point do I need to keep in mind while buying the policy?
You must go through the Policy Wordings completely and its exclusions before buying the policy.

How will you cover me if my baggage is lost?
If you loose your baggage, then you will be compensated for the lost items against their market value.

What if my baggage is delayed but not lost then how will you cover that?
You will be given the compensation for emergency items like medicines, clothing and toiletries if your baggage is delayed for more than 12 hours.

Will I get a duplicate passport if it is lost?
Yes, the Expenses incurred towards the procurement of a duplicate / temporary passport are covered under the policy.
If I go abroad particularly to get medical treatment, am I supposed to be reimbursed for the same?
The policy doesn’t cover for the planned Medical Expenses; the insurance has coverage only for accidentss or sickness which happen suddenly when you are traveling abroad.

Do I get the money back if there is no claim?
No, the money is not refunded in case there is no claim.

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Related posts:

1. Overseas Insurance Policy
2. FAQ

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