Travel Insurance

Types of Travel Insurance Plans in India

Different types of travel insurance plans have been designed to cater to the needs of people of all ages, including adults, students, families and senior citizens. Let us take you through the different types of travel insurance plans available in India:

Types of Travel Insurance Plans

1. International Travel Insurance

   This type of travel health insurance covers individuals and families travelling overseas. It provides a wide range of coverage including medical expenses, dental expenses, financial cash assistance, flight delays, trip cancellation, loss of passport, personal liability, loss or delay of check-in baggage, and hijack distress allowance.

   Several insurers also offer home insurance to the traveller's house back in India as a part of this insurance plan.

2. Schengen Travel Insurance

   Schengen travel insurance is a mandatory overseas travel medical insurance online plan covering people going to one or more Schengen countries. It protects insured travellers from any unforeseen emergencies that may lead to incurring financial losses.

   Some of the most common coverage provided under this type of trip insurance include medical expenses coverage, loss of passport, delay in check-in baggage arrival, loss of check-in baggage, personal liability, personal accident cover, and accidental death & dismemberment (common carrier).

3. Family Travel Insurance

   As is clear from the name, family insurance covers the policyholder, their spouse, and dependent children. All insured members of a family can avail of covers including medical expenses, loss of passport, personal liability, loss or delay of check-in baggage, and many more.

4. Senior Citizen Travel Insurance

   Tailor-made for elderly people, this is the best travel insurance for senior travellers who wish to travel abroad without fearing health or other financial emergencies. Since most travel insurance companies in India only cover travellers up to the age of 60 - 65 years, trip insurance for seniors becomes crucial.

   Travel insurance coverage for this plan includes financial emergencies like medical expenses, dental expenses, repatriation of mortal remains, loss or delay of check-in baggage, medical evacuation, etc. just like other plans available under the travel insurance in India.

5. Student Travel Insurance

   This is a student-friendly insurance plan that has been customised for Indians travelling abroad to study and comes with an extended validity of up to 2 years. Apart from the basic coverage of an overseas travel insurance plan, it also provides the students with benefits like sponsor protection, study interruption, medical evacuation, bail bond, and two-way compassionate visits for the insured and the family member amongst others.

6. Corporate Travel Insurance

   This type of insurance plan has been designed to cater to the needs of corporates and businesspersons travelling for business purposes. It usually has a validity of up to 1 year that allows the insured to go on several journeys. Travel insurance coverage for this plan includes flight delay, medical expenses, loss of baggage, missed connecting flights, etc.

7. Group Travel Insurance

   It is usually opted by people organising tour groups, industrial training, official tours, or pilgrimage tours. Many insurance providers offer such policies to people travelling within India as well as abroad. It usually provides personal accident and baggage cover. However, the exact extent of coverage depends on the insurer.

8. Medical Travel Insurance

   This plan offers financial assistance in case of a medical emergency while you’re abroad. Travel insurance coverage for such policies includes hospitalisation expenses, day care expenses, dental expenses, medical evacuation expenses, and the cost of repatriation of mortal remains amongst others.

9. Multi-Trip Travel Insurance

   Covering multiple trips in a year, this type of insurance plan is meant for people who go overseas often in a year. The plan also saves significant time and money. It offers the same level of benefits on every trip without the need to buy travel insurance online before each journey.

10. Single Trip Travel Insurance

    This type of insurance plan protects the insured traveller only for a single journey. Its validity begins with the start of the journey and ends on returning home. This trip insurance comes with a host of coverage that consists of medical covers as well as non-medical covers such as delay or loss of check-in baggage, personal liability, etc.

11. Domestic Travel Insurance

    For people travelling within India, many online travel insurance plans offer coverage against several medical and non-medical emergencies. Domestic travel insurance in India financially protects individuals as well as families across Indian states. It provides coverage including medical cover, loss of baggage, and personal accident cover amongst others.

Other Types of Travel Insurance Plans:

• Baggage Insurance

  Baggage Insurance comes into the picture when you lose your baggage during your journey due to theft or any other mishap. The losses incurred will surely cause big trouble or even ruin your trip. To save such a heartache, you can always rely on baggage insurance.

• Flight Insurance

  Travel insurance coverage under this plan protects you from any unforeseen flight-related emergencies while travelling. This includes adversity caused during the flight or due to the fault of the airline or their staff. It also provides comprehensive coverage of both health insurance and baggage insurance, such as medical cover, accidental death & dismemberment cover, delay or loss of check-in baggage, flight cancellation, flight hijack, and missed connection flight.