Travel Insurance: Tips to buy
Guide to buy Travel
Insurance
In
this article you will come to know about:
What is Travel Insurance?
Who should buy Travel Insurance?
Whether one should buy Travel Insurance or
not, if one decides to buy travel insurance, whether he/she should buy offline
or online?
Whether one should buy annually or one trip
basis?
What points need to be considered before
buying Travel Insurance?
Which companies in India offers Travel
Insurance?
What is Travel Insurance?
Travel Insurance is an insurance, which helps
the individual to get insure himself / herself in relation to if:
Luggage is lost while travelling
Trips got cancelled
There is a flight accidents
There is a medical expenses
And such other losses etc.
incurred while travelling abroad or within
the country.
Who should buy Travel Insurance?
A person who travels out of the country or
within the country for business purpose or for vacation purpose or he/she is a
Travel Blogger or for any other purpose, travelling frequently or rarely, that
person should buy Travel Insurance. It will give that person a financial
security, if anything goes wrong on the journey and cannot be able to recover
financially.
Why One should buy Travel Insurance?
If any person who travels abroad or within
the country for business or for personal purpose, and at the time of the
journey any mishap happens for example flight got cancelled or the luggage is
lost or cyclone appears, whatever may be the reason, at that time, if a person
has bought travel insurance, he or she can get compensated for the same, means
he/she can get secured through travel insurance and can have financial
security. Sometimes the flight tickets is itself is so huge, that one cannot
afford to book the flight ticket again, if the flight gets cancelled.
Whether one should buy Travel Insurance
online or offline?
A person can buy travel insurance through offline
as well as through online. It would be great to buy insurance through online, because
you will get the policy little bit at the cheaper rate as compared to
purchasing it offline.
Whether one should buy Travel Insurance
Annually or One time trip basis?
It depends on a person’s planning and
frequency of his/her Journey. If a person travels frequently for business
purpose or for some other purpose then one should buy travel insurance annually
or if a person travels on an occasional basis then one should buy travel
insurance on one time trip basis.
Points to consider before buying Travel Insurance?
Scope
of Cover: Check whether all
the things are included in the policy such as loss of baggage, medical expenses
reimbursement etc.
Premium
Amount: Check whether, the
amount which is paid for the policy by you is reasonable and covers everything,
as per your need.
Drugs
and Alcohol: Most
of the policies becomes invalid, if a person consumes or intakes alcohol or
drugs, check about this clause in the policy.
High
Risk: Most of the
policies doesn’t cover the countries where the countries are treated as high
risk countries or Volcano prone areas or if you are going for adventures and
sports activities which is consider as high risk activities. Check all of this
things before buying an insurance policy.
Disbursement
of claim amount: Check
out how much time it takes for the disbursement of money after applying, when
the unfortunate circumstance happens. Check out what are the documents which
need to be reproduced at the time of claiming the amount.
Top 10 Travel Insurance Companies in India
from where you can buy travel insurance
- Universal Sompo General Insurance Company Limited
- Bajaj Allianz General Insurance Company Limited
- Tata AIG General Insurance Company Limited
- Reliance General Insurance Company Limited
- HDFC ERGO General Insurance Company Limited
- Apollo Munich Health Insurance Company Limited
- Cholamandalam MS General Insurance Company Limited
- Bharti AXA General Insurance Company Limited
- SBI General Insurance Company Limited
- Future Generali General Insurance Company Limited
Conclusion:
We hope that now you have an overview about
travel insurance such as what is travel insurance, from where one can buy
travel insurance, points to be consider before buying travel insurance, list of
companies which provide travel insurance and so on.
Kindly comment below and share your thoughts
on Travel Insurance….
Disclaimer: We,
as sharingmythoughts, cannot say
that the information on this page is 100 percent correct.
sharingmythoughts
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