bharat bhraman travel insurance brochure

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Bajaj Allianz Bharat Bhraman Insurance Policy

This policy is a comprehensive package which provides protection to you for travel purpose to Individuals travelling within India either for holiday or personal trips or business trips by Common Carrier/own vehicle/private vehicle including bicycles. Basic cover provides protection in case of death and permanent total disability. One is also having the option to cover accidental hospitalisation, emergency medical evacuation, hospital daily allowance, trip curtailment, trip delay, loss of baggage and many others.

• Wide range of covers available under this policy. No restriction are there for the maximum age limit.

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Bajaj Allianz Overseas travel insurance

Bajaj allianz travel insurance– quotes.

As an international traveler, you might be travelling to a foreign country for business or pleasure. However, International travel does involve risks as you are going to an entirely new environment, new languages and different challenges. As a traveler you must be aware that there are two types of issues that can come up…Firstly, cost of healthcare is very high in foreign countries when compared to India and since medical emergencies are unpredictable, you could end up paying money out of your pocket if you do not have any insurance cover…Secondly, there could also be non medical emergencies like loss of passport or baggage, flight or trip delays etc. To safeguard travelers in these unforeseen situations abroad, travel insurance plans are designed for avid travelers by Bajaj Allianz Insurance in India. Bajaj Allianz Overseas Travel Insurance Plans are available for travel anywhere across the world as well as for Travel within India. Bajaj also has a specific approved plan for travel to Europe to Schengen states (France General, Spain, Italy, Germany ...) that helps in obtaining a Schengen visa…

Bajaj Allianz travel insurance review

USD 50,000/1,000,000

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* As per IRDAI report    |    ** As per NL25 data published on the Insurance Company website

Key features of Bajaj Allianz travel insurance

• Bajaj Allianz is definitely one of the most preferred travel insurance service providers in India and one of the first insurance companies to introduce Travel Insurance products in India.
• Bajaj Allianz General Insurance has consistently received iAAA rating from ICRA, indicating the highest claims paying ability and a fundamentally strong financial position in the insurance industry.
• They have tailor made plans catering to the customers based on their requirement, be it for a price conscious traveller or a traveller looking for a very comprehensive travel insurance plan without a premium barrier. They also offer Travel insurance for Students, Senior Citizens and Domestic travellers.
• Unique Features like Automatic Claim Settlement with Trip Delay Delight – Through their mobile app, Insurance Wallet, you don’t need to register a claim for trip delays for it to be settled. They keep a track of delays and initiate the pay-outs, accordingly, automating the entire process.
• In-house Team (HAT) based in India for faster claims processing for reimbursement claims.
• All Bajaj Allianz travel insurance plans offer Maximum coverage at very competitive premium amounts. They currently have the widest range of Travel plans for the Indian customer across multiple product categories with sum insureds ranging from $15,000 to $1,000,000 for Emergency Accident & Sickness.

Bajaj Allianz offers specific insurance plans to cover your trip to any of the Schengen countries.

The plan details are:.

• Travelers aged between 6 months and 60 years - buy either Companion, Elite, Prime or Assist Card plan.
• Travelers aged 61 years and 70 years - buy Prime travel medical insurance.
• Travelers above 70 years- buy Prime travel medical insurance.

Bajaj Allianz general insurance company limited overview

Bajaj allianz travel insurance overview.

Travel Care plans can be an effective travel insurance option for the travelers who are going overseas and looking for a reasonably comprehensive yet affordable insurance plan. Buy Bajaj Allianz Travel Care Insurance policy online and stay secure while you are travelling to a foreign country for any reason. Bajaj Allianz travel companion is the most affordable plan which the travelers can choose from but covers the basic necessities of a Travel insurance program although it offers basic coverages and limits. However the insured can avail cashless treatment if admitted to a hospital abroad.

Like Travel Care, the other plans in this master plan are the Travel Secure and Travel Value, where the significant difference is in terms of the Sum Insured for Emergency Accident & Sickness at $200,000 and $500,000 respectively. The coverage under the plan and its respective sub-categories include medical expenses, evacuation and repatriation, emergency dental pain relief, personal accident cover, loss and delay of checked in baggage, loss of passport, personal liability, hijack, trip delay. A unique Golfer’s Hole-in-one feature is available with Travel Secure and Travel Value plans which offer reimbursement of expenses that may be incurred to celebrate a hole-in-one by the insured during his/her trip.

What is Travel Prime? Travel Prime gives the discerning traveler a wide range of policy options to choose from which include Silver, Gold, Platinum, Super Platinum and Maximum, with each policy customized to meet the specific needs of the traveler. Depending upon whether one is a leisure traveler, businessman, corporate executive, senior citizen or one traveling with the family, one can choose the corresponding plans. The plans are also across the widest age ranges currently available in the India market, which is right from 6 months onwards till 99 years of age. The typical benefits under these plans include Personal Accident (death and disablement), Emergency Accident & Sickness Medical Expenses, Medical Evacuation and Repatriation, Loss and Delay of Checked Baggage apart from Loss of Passport, Personal Liability, Trip Cancellation and Curtailment, Hijack Cover, Trip Delay etc.

Bajaj Allianz - Travel Prime Insurance Coverage and Benefits for 6 months to 60 years

Bajaj allianz - travel prime insurance coverage and benefits for 61-70 years.

*Only 50% of the sum assured in respect of the death of the insured person below age of 18 years.

**Per baggage maximum 50% and per item in the baggage restricted to 10%.

***Cash Advance Would include delivery charges

Bajaj Allianz - Travel Prime insurance coverage and benefits for 71-99 Years

***Cash Advance Would include delivery charges.

Travel Assist plan

Bajaj Allianz General Insurance along with ASSIST CARD a Swiss company specializing in Assistance abroad has launched a co-branded travel insurance product called TRAVEL ASSIST. The product has all the benefits of the existing travel insurance products plus several value-added services to quality-sensitive customers. It has a unique coverage for medical expenses due to pre-existing illness for a limited amount.

Some unique benefits under the Travel Assist Plan include

• Family visit coverage - In the being as a result of an accidental injury or sickness covered under the policy and the attending physician in writing advises the necessary attendance of a Family Member of the Insured and provided the anticipated hospitalization is over ten days and is within the policy validity period plus 7 complementary days, The company will reimburse the actual cost of economy class transportation by the most direct route via a common carrier subject to maximum the sum insured.
• Minors' escort - Subject to all other terms and conditions, if the insured is hospitalized due to an illness or accident covered under the policy and he is the only companion of a child (or children) under the age of 15 years who is (are ) also insured under BAGIC , then if the insured is not able to take care of the child (or children) , The company will reimburse the actual cost of economy class transportation by the most direct route via a common carrier subject to maximum the sum insured, for the relative to accompany the child( or children) back to their permanent place of residence in India.
• Stay of Visiting Family Member - Subject to all other terms and conditions, if the Family visit benefit is approved by the company, and if the family member is abroad alone, and without any other family members or personal friends, during said period, then the lodging expenses incurred by the accompanying relative for a maximum period of 10 (ten) days will be assumed by the company subject to the sum insured and limits mentioned in the schedule.
• Difference in airfare due to delayed or early return - Subject to all other terms and conditions of the policy, if the insured return back to India due to illness or accident is cancelled or delayed then The company will pay for the fare difference for a tourist or economy class return ticket when the insured's original return ticket was issued at a reduced rate and with a fixed or limited return date, and such return date cannot be met due to the insured's illness or accident covered under the polic
• Legal assistance in case of responsibility in an accident - Subject to all other terms and conditions of the policy , In case the insured is charged with responsibility in an accident in a country where company renders its assistance services, an attorney will be placed at the disposal of the insured who makes such a request, in order to take charge of his/her civil or criminal defense. The company will advance, as a loan and to be refunded by the insured the amounts corresponding to lawyer fees and trial expenses
• Baggage Tracking - Subject to all other terms and conditions of the policy, The company will assist the insured abroad by all means at its reach to try to locate lost pieces of luggage that have been shipped in the luggage compartment of the same international flight on which the insured was traveling. The Company in association with ASSIST-CARD provides insured, within the document-holder with codified luggage tags for identification purposes. In order to facilitate luggage identification in case of loss, it is essential to have those luggage tags affixed to it for the whole duration of the trip
• Concierge Services - The company can provide on best effort basis miscellaneous information to the insured related to the and during the Policy Holder's trip. The below are assistance services which will be tried to be arranged and are not guaranteed. The information services will comprise the following and charges if any incurred will be debited to insured's account directly

Travel elite asia

This is an Asia specific plan to cover travellers to different locations in Asia. Under the Travel Elite plan, there are two options called Flair and Supreme where there is a difference in the Sum Insureds for Accident & Sickness. The plans have almost equal benefits which include Dental Relief, Loss and Delay of Checked in Baggage, Loss of Passport, Personal Liability, Personal Accident cover etc.

Senior citizens plans

Bajaj Allianz also offers a comprehensive Senior Citizen Plan called Travel Companion for Senior Travelers above the age of 70 years, here the benefits are marginally different for each category as presented in the table below. The benefits under the Senior Citizen Program are standard benefits as offered under most of the other Travel plans and they include Emergency Accident & Sickness, Dental Relief, Loss and Delay of Checked in Baggage, Loss of Passport, Personal Liability, Personal Accident cover, Repatriation and Medical Evacuation, Trip Cancellation/Curtailment, Golfer hole in one etc.

Annual multitrip

The Bajaj Allianz Annual Multi Trip policy is ideally suited for frequent travellers who travel multiple times every year to destinations abroad. The insured can purchase a single policy for 365 days during which period he/she can travel as many times as they need to, without having to worry about the coverage for each trip. The plans offer a maximum annual coverage of 180 days with each individual trip having a duration upto 45 days, depending on their travel requirements.

The Annual Multi Trip policy is also an economical option when compared to purchasing individual single trip policies each time they travel. In addition to this, it offers the traveller complete peace of mind for the entire year, not requiring them to remember to purchase a single trip policy each time they need to travel. In terms of coverages also, the Annual Multi Trip plans offer the insured a comprehensive range of benefits to take care of any exigency (both medical and non medical) when they are traveling.

The benefits under the Family Plans are standard benefits as offered under most of the other Travel plans and they include Emergency Accident & Sickness, Dental Relief, Loss and Delay of Checked in Baggage, Loss of Passport, Personal Liability, Personal Accident cover (including coverage in common carrier), Repatriation and Medical Evacuation, Trip Cancellation/Curtailment, Home Burglary, Golfer hole in one etc.

Bajaj Allianz’s Travel Insurance Products

Bajaj’s eligibility for their customer’s across all their travel products are :.

• Travellers aged between 6 months and 70 years - buy either Companion, Elite, Prime or Assist Card plan with coverage destinations as per the requirement.
• Senior Citizen plans are available for 70+ travelers and till the insured reaches the age of 99.
• Travel insurance is available for the maximum of 180 days under the Single Trip Plans.
• Traveller should hold either an Indian citizen with an Indian passport, PIO Card (Persons of Indian Origin Card) or OCI Card (Overseas Citizen of India Card).
• Traveller should be traveling out from India and be available in India while purchasing the Bajaj Allianz Policy.

Domestic travel insurance

• 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

What are some the key exclusions under the Bajaj Allianz Travel plans?

• Any medical condition or complication arising from it which existed before the commencement of the policy period, or for which care, treatment or advice was sought, recommended by or received from a physician.
• Routine physical or other examination where there is no objective indication of impairment of normal health.
• Medical expenses beyond the expiry of the policy period.
• Suicide, attempted suicide or willfully self-inflicted injury or illness, mental disorder, anxiety/stress/depression/nervousness having no underlying physical illness as a cause; venereal disease, alcoholism, drunkenness or the abuse of drugs.
• Manual work or hazardous occupation, self-exposure to needless peril (except in an attempt to save human life), engaging in any criminal or illegal act.
• Pregnancy, resulting in childbirth, miscarriage, abortion, or complication arising out of any of the foregoing.
• Experimental, unproven or non-standard treatment.
• Treatment by any other system other than modern medicine (also known as Allopathy).
• The cost of spectacles, contact lenses, hearing aids, crutches and all other external appliances and/or devices whether for diagnosis or treatment.
• Delay of baggag e when the intended destination is in India.
• Loss or damage to the insured's passport as a result of the confiscation or detention by customs, police or any other authority.
• Loss which is not reported to the appropriate police authority within 24 hours of the discovery of the loss, and in respect of which an official report has not been obtained.
• Loss caused by the insured's failure to take reasonable steps to guard against the loss of passport

Travel Insurance Cancellation Procedure for Bajaj Travel policies

• The insured is expected to inform us and an E mail should be sent by the insured requesting the cancellation.
• He/she should furnish policy number or schedule number in the E mail.
• There will be a Rs 250/- cancellation charges.
• Proof that the insured has not travelled overseas.
• Photo copy or Scan copy of all the pages (including empty pages) of the passport.
• Reason for policy cancellation.
• Visa rejection letter in case of visa refusal by embassy.
• In case of any early return of the insured person prior to expiry of the policy period, the company will refund premium as per the applicable rates (subject to no claims being incurred on the policy)

Where should the insured call for claims assistance while they are abroad?

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How to use visitor insurance in case of sudden sickness and accidents.

Bajaj Allianz travel insurance useful links

How to buy online.

You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque.

Already outside India

Travelers who have already traveled from India and do not have insurance can buy travel medical insurance after approval.

Online renewal

Insurance customers can renew their existing policy online before the exipry date at any time.

Claims & customer care

In case of a claim or reimbursement of treatment expenses, notify Bajaj by contacting them.

Policy wordings

Kindly refer the Bajaj travel insurance policy wordings for complete coverage details along with terms and conditions.

How are claims settled?

Are travel insurance directly billed or is it reimbursement basis, is there a hospital network.

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Know Everything about Bajaj Allianz’s Domestic Travel Insurance Policy

While a few of you are skeptical about buying a travel insurance policy, most of you are unaware that you can purchase a travel insurance plan not only for your international but also for domestic travels.

We know you must be thinking that 'do I really need travel insurance while travelling in my own country?' Yes, you need a travel insurance irrespective of whether you're travelling abroad or within India. Unfortunate incidents come announced and it is with travel insurance that you can secure your finances and enjoy your trip worry-free.

Our domestic travel insurance policy, Bharat Bhraman gives you this security and the convenience to travel stress-free at very affordable premium rates.

Here is what you should know about Bharat Bhraman, our domestic travel insurance policy.

Bharat Bhraman Travel Insurance Plans

This policy offers 5 different plans, based on your mode of transportation:

• 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

Bharat Bhraman Travel Insurance Policy Coverages

This policy offers 2 base coverages:

• Personal Accident Cover -  You/your nominee will get the reimbursement equal to the Sum Insured (SI) of your policy in case you suffer death or permanent total disability during the policy period.
• Child Education Bonus -  If you suffer from any personal accident during the policy period resulting in your death or permanent total disability, then with Bharat Bhraman policy, your dependent children under the age of 21 will get 2% of the SI, as child education bonus.

Bharat Bhraman Travel Insurance Policy Features

Following are the key features offered by Bharat Bhraman Travel Insurance policy:

• Cashless claim settlement
• Faster claim settlements
• Policy duration from 24 hours to 12 months
• Coverage for adventure sports (optional)
• No age limit in this policy

Bharat Bhraman Travel Insurance Policy Optional Coverages

There are numerous optional coverages offered with Bharat Bhraman policy.

• Accidental hospitalization cover
• Hospital daily allowance
• Emergency medical evaluation
• Adventure sports benefit
• Personal liability
• Trip cancellation
• Emergency hotel extension
• Missed connection
• Home burglary insurance
• Bounced hotel
• Compassionate visit by a family member
• Delay of checked baggage
• Loss of checked baggage
• Trip delay by scheduled aircraft
• Loss of baggage

Bharat Bhraman Travel Insurance Policy Exclusions

Following are the some of the standard exclusions of this travel insurance plan:

• Suicide, attempted suicide or self-inflicted injury
• Any form of mental or nervous disorder
• Any act carried out under the influence of intoxicants such as liquor or drugs
• Participation in any motor racing activities

With this travel insurance plan, we ensure that you're covered for most of the incidents in your trip, which might result in worrisome and stressful situations. We care for you and want you to have a fun-filled journey even when you are travelling in India.

If you wish to buy this policy right away, please visit our website - Bajaj Allianz General Insurance and get more details about the coverages and benefits offered by Bharat Bhraman.

Here's wishing you safe and worry-free travels!

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Customise Your Travel Insurance

For all those seeking to safeguard their travels, Bajaj Allianz General Insurance has launched a customisable domestic travel insurance plan called Bharat Bhraman. It covers all modes of transport (both public and private, and even includes taking a cab service by the e-commerce aggregators). It also offers cover for the travel taken by your private car, bike or even a bicycle. Long bike rides or short trips using private or a public bus service, all are covered.

Another highlight is the cover for adventure sports enthusiasts. The plan provides financial protection and pays for medical expenses or an evacuation in case of a mishap while indulging in any adventurous activity.

There is also burglary insurance cover for the time you are away and takes care of everything from baggage loss to trip delay to the additional money you may have to shell out, in case you need to modify or cancel your stay due to an unforeseen delay.

One can purchase the policy online, through an advisor or tour operator who is helping plan the trip. Travellers can choose the tenure of cover for a single day/trip or for specific number of days as per the travelling schedule. Additionally, for those who live out of their bags, an annual cover is also available.

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Reasons to Buy Travel Insurance

If you travel for personal or for professional reasons, you need to buy travel insurance . There are many risks associated with travel that can cost a lot of money if not covered under a proper travel insurance policy. Thus, insurance helps in many ways to cover the unforeseen expenses and make your travel hassle-free.

Here are the top 3 reasons for buying a travel insurance plan :

• To Reduce Uncertain Cancellation Risk The primary concern while travelling is frequent detours due to sudden road, rail or airways blockage. Expenses incurred due to sudden cancellation of your booking whether it is a flight, train or bus are covered under travel insurance plans. Any cancellations in your accommodation and other facilities also come under the coverage of a travel insurance policy. Please note, if you cancel your trip and ask for compensation, you must give valid reasons for your cancelations. Sudden serious illness, death in close family or natural disasters in the city you are visiting are considered as valid reasons. In absence of these, you will not get any compensation.
• To Reduce Lost Commodities Risk Another situation where travel insurance plays a crucial role is the loss of baggage and other utilities while travelling. An insurance policy covers the compensation of your lost baggage and other valuables, which is an essentiality in any trip. Along with this, any kinds of travel document loss such as passport, visa etc. are also covered by insurance plans.
• To Get Emergency Aid One of the most important aspects of travelling is emergencies where you need immediate help. This includes any kind of medical emergency like accidents, illness etc. These emergencies are covered under your travel insurance. Also, if you have to cancel the trip due to some emergencies at your end, you get the compensation against the expenses made towards the travel. At Cover360, you can get complete information regarding the various travel insurance plans available in India. Compare and buy the most suitable travel insurance policy to remain safe while travelling.

Benefits of Travel Insurance

Buying a travel insurance plan is not a waste of money. It is extremely important to travel with suitable insurance so that you can cover the risks involved with travelling. Most of these risks are due to unforeseen circumstances. While you plan carefully for your travel, be it personal or professional, it is also important to plan travel insurance, as it brings a lot of benefits.

Here are the top benefits of travel insurance listed for your ready reference :

• Takes Care of Unseen Situations : Travelling involves a large number of transportation checkpoints if you are travelling in different countries or even in the same country. Any unwanted delays and detours that may occur due to flight delays and cancellations or other such inconvenience are sorted if you have an insurance policy in place. In case of extension of your trip, insurance agencies having tie-ups will greatly help in securing a good deal on tickets.
• Easy Documentation and Compensation : Insurance agencies provide a full proof plan whereby your documents and valuables are protected from loss and theft. If your baggage or documents such as passport etc. get stolen, you get the compensation from the travel insurance company. You are saved from all the documentation related to such procedures. Your travel insurance provider does all the documentation.
• Accommodation & Medical Help : Most travel insurance policies have tie-ups with hotels and hospitals to facilitate a viable travelling experience to the customers. With this, you are sure of aid in times of medical emergencies and if you have to extend your accommodation for a longer period.
• Keeping the Home Safe : This might not form the basis of travelling but it is a concern for most travellers. Insurance agencies often come with a package, which helps to secure your home while you are away. In case of any problems or accidents that may occur in your house in your absence, you get the compensation. This might not form the basis of travelling but it is a concern for most travellers. Insurance agencies often come with a package, which helps to secure your home while you are away. In case of any problems or accidents that may occur in your house in your absence, you get the compensation.

Types of Travel Insurance

There are several travel insurance plans available in India to choose from. Depending upon your need, you can choose the best travel insurance for you and your family after gaining knowledge about all types of plans.

We are listing here all types of travel insurance policies that you can avail to keep your travel safe and secure.

• Domestic Travel Insurance : This travel insurance policy is for people travelling within the country. You may get it from your travel agent along with your trip booking, at a little extra cost, or you can buy a separate plan from a travel insurance provider. This basic travel insurance plan covers you for medical emergencies, death and disability, personal losses, checked-in baggage loss, travel delays and natural disasters. Domestic travel insurance is available for individual, family, corporate, single-trip or multi-trip travelling too.
• International Travel Insurance : This travel insurance for travelling out of India and is usually a part of travel ticket or package, as a basic policy. You can always buy better travel insurance with added coverage offered by an insurance provider. The added coverage can cover you for medical expenses in other countries, hijack issues, baggage loss, travel and flight delays, evacuation from a foreign land to your own country, loss of passport or other travel documents and other emergencies. It is available for individual, family, corporate, single-trip, or multi-trip international travel.
• Family Travel Insurance : If you travel frequently with family, you must go for this type of insurance. The entire family is insured under a single travel insurance policy. Unforeseen situations like medical expenses, baggage loss and more are covered in the policy. This is a helpful policy to cover multiple people in less paperwork.
• Corporate Travel Insurance : This is for the companies whose employees are required to travel for business, internationally and domestically. It is commonly known as business travel insurance. This type of travel insurance covers the company against the financial losses or damages that occur with employees while travelling for official work. These damages could be physical injuries, accident or death, loss of baggage, terrorism attacks, emergency evacuation, delay or cancellation of flights.
• Multi-trip Travel Insurance : This is the best travel insurance for frequent travellers and is valid for one year. It offers coverage on multiple trips taken in a year. This is suitable because people who travel frequently do not have to apply for travel insurance every time they are travelling and go into the hassle of paperwork and formalities.
• Single Trip Travel Insurance : As the name suggests, this travel insurance policy is for a single trip providing regular coverage against medical and personal loss contingencies.
• Travel Insurance for Students : Students going abroad for studies can opt for this type of travel insurance. They must produce a student visa to buy this insurance plan. It provides comprehensive coverage for expenses on medical treatments while pursuing an education in another country, passport loss, cost incurred on study interruptions.
• Senior Citizens Travel Insurance : This is for the people between the age of 60-70. This type of travel insurance plan is best for senior citizens to take care of their unprepared medical expenses in unwanted medical situations. This policy provides coverage for dental treatments, cashless hospitalisation, and other regular travel insurance benefits. Choose the best travel insurance plan for your next business or leisure travel, with family or colleagues. Compare all the plans here a Cover 360

Included and Excluded Cover in Travel Insurance

While a travel insurance plan is essential for securing your travel experience, it can prove to be a letdown if you do not understand the inclusions and exclusions of travel insurance. Mere checking the insurance plans coverage and selecting a suitable package is not enough, you have to read between the lines and be aware of the terms and conditions.

While you have already read about what is included in the travel insurance policy, here is the list of exclusions :

• Cancellation by Tour Operators : Compensations for cancellations are only provided when you cancel your trip or if the authorities (hotel or flight) cancel it due to some issues. Bookings made through tour operators and agents cannot be compensated if the concerning travel agency cancels the tour. However, if this tour agency has a tie-up with your insurance agency and both are compatible then you might get some compensation. It is better to check the tie-ups of your agency prior booking
• Existing Health Conditions, Sports Injuries & Pregnancy Deliveries : These are excluded from travel insurance policies, as they are not emergency health or aid conditions. It is better to declare your existing health conditions, pregnancy etc. while travelling and prepare yourself accordingly. However, early pregnancy stage women can be compensated in case of emergencies. Sports activities such as bungee jumping, sky-diving etc. related injuries doesn't fall under the coverage of travel medical insurance plan because it's a voluntary activity, not a sudden accident.
• Warfare Related Compensation : Terrorist attacks are included in travel insurance policies and are surely compensated but any war-related delays and cancellations are excluded from the policy. So, if a war breaks out in the country you are travelling in and your flights are delayed or cancelled, insurance agents cannot help you. It is the internal matter of the respective country and only the consulate of your country can be of help.
• Immediate Baggage Loss Compensation : This insurance plan only covers the theft or loss of baggage and valuables that occur for a long period. You cannot get compensation immediately; the travel insurance agency needs to ascertain that your baggage was lost for more than a day to compensate for it. Baggage, which was missing for a few hours and found later cannot be included in this policy.
• Invalid or False Cancellation Reasons : You get the compensation only if you provide valid reasons for cancelling your trip such as accident, illness, death in the family etc. Invalids apparent reasons such as spouse quarrel, pet's health condition, and such trivial issues are not considered. These are some of the things excluded from travel insurance policies. Read and compare on Cover 360 to be sure of all the inclusions and exclusions you sign the travel insurance agreement.

Factors that Affect the Premium of Your Travel Insurance

Frequent travellers know the importance and utility of having a proper travel insurance policy. A foolproof travel insurance plan comes with a good premium. However, the travel insurance premium is affected by a range of factors which are important for you to know.

Here are certain factors, which greatly affects the premium of travel insurance policies.

For more information on premium cost for various travel insurance policies, you can compare various travel insurance plans online at Cover 360 and find the best suited to you.

Important Things to Consider Before Buying Travel Insurance

While securing your travelling experience with a travel insurance plan is necessary, it should not be done in a hurry. You must make a well-informed decision after comparing travel insurance plans and taking consolation from a travel insurance advisor at Cover 360.

Before you select one of the plans offered by various travel insurance companies in India, make sure you have considered the following important points :

• Understanding Expenses, Activities and Coverage : Before selecting a travel insurance plan, crosscheck with trip expenses and activities included in it. Consult with a travel insurance advisor with us to know if all your expenses are covered. Be clear about the inclusions and exclusions of your travel insurance like sports injury compensation etc. Check the type of coverage whether primary having an all-inclusive coverage or a secondary one which can be done through reimbursements. Understand the deductibles and coverage limits if any.
• Background Check of the Travel Insurance Company : The travel insurance company and its claim settlement ratio are very important. Enquire and crosscheck about the market reputation of your insurance provider. Go for a company that has good customer care department and excellent claim settlement ration.
• Claim Filing Procedure : Before you select a travel insurance plan, it is important to know and understand the claim filing procedure and the list of all the documents that will be required. Make sure you declare all the travel related information and list of belongings before travelling.
• Check the Replacements Policy : Most insurance plans come with set conditions, which need to be taken care of. If replacements or refills such as medications are required, their expenses need to be done either by you or by your travel insurance policy. Check with the insurance agent if such things are included in the plan.
• Check the Cancellations Policy : Check the cancellation policy carefully and determine the conditions where you are eligible for compensation. Check the circumstances of excluded from compensation such as tour operator cancellation etc.
• Check the Available Riders (Add-ons) : Make sure you take note of the add-ons in each clause and sections. You cannot afford to lose your valuables and pay for that. Check the insurance agency's terms and conditions regarding the add-on covers. Check which type of baggage and valuables are excluded from it. Mostly, jewellery, devices such as laptops are not covered in a travel insurance plan. You can always understand the add-on coverage and buy the most suitable riders to make sure most of your travel is secured. Take time and read about the travel insurance plans and the companies offering travel Insurance in India to know the best choice for you. We at Cover 360 are committed to bringing the best possible information for you.

Benefits of Comparing Travel Insurance

Travel Insurance has become crucial as it assures our safety and wellness during travelling. However, it is not that easy a process and needs considerable thought and effort. Hence, it is essential that you compare different travel insurance plans and then make a choice.

Here are some checkpoints to keep in mind while comparing travel insurance plans

• Helps in Getting the Best Coverage Comparing travel insurance deals ensures that you get the best deal having the best coverage duration and benefits. People often like the plan with a longer duration and a lower premium rate.
• Helps in Understanding Inclusions & Exclusions One might not understand the importance of this but you can properly understand the inclusions and exclusions policy of the deals only after a proper comparison. This provides much-needed clarity regarding the usage and understanding of the plan.
• Helps to get a Preferred Deal Travel insurance plans come with various packages, and benefits. Choosing the right one is often difficult. It is often difficult to understand which one serves best and what your criteria is. Comparing deals can greatly help in this process.
• Gives you an insight into other policies Comparing various deals makes you aware of better deals. Not just your chosen plan but you get a glimpse of other plans as well and the market rate of the deals.
• Tells you what works and what does not Most people go for comparison thinking to get a better deal at a better premium rate. However, the most important part of comparing different plans is getting to know how good or bad they are in reality. It's the customer reviews and feedbacks, which help you, understand what exactly works and what is not good. So, before you choose make sure you compare travel insurance provided by various insurance companies in India and look into the details. Buy the most suited travel insurance policy here at Cover360.

Travel Insurance Claim Process

People cannot do without a travel insurance plan in this day and age. It is an absolute necessity that helps you to get the compensation in case of losses during travel. However, you need to understand when and how to file a travel insurance claim.

While most insurance plans have the travel insurance claim form attached to the policy draft, yet, it is important to know the steps to file.

Here are the steps listed below.

• Check your policy coverage, time limits and exclusions The first thing to do is to check your policy draft carefully and understand the coverage limit, the time duration, and other clauses. Then check for the time limit of filing the claim and the exclusion clauses, which states the circumstances where compensation is not possible.
• Sort your bills and receipts Most travel insurance providers require the bills and receipts of your travel expenditure to process your claim. So, make sure you have all the receipts and they are dated properly.
• Keep your other policy papers ready It is not just the case of your travel insurance alone. It connects with other documents, especially any other insurance policies that you may have. So, keep your Mediclaim papers ready, contact the medical insurance providers before filing for the travel insurance claim as some media claims might cover your travel health issues. Similarly, keep a record of your life insurance and other policies handy.
• Immediately report emergency situations Travel insurance plans require you to connect with your agents immediately after an emergency has occurred. Most of them have a specific hour of the time of reporting after which it is not valid. So, make sure you report in time.
• File Lost Complaint Immediately To process your claim, insurance agents need to know how much loss has happened and when and how did it happen. Hence, an official report filed with the local authorities is needed to crosscheck. So, report your missing or lost baggage to the local authorities immediately and get a copy of that report for the insurance claim filing.
• Keep your insurance agent's number in the emergency contact list Always list your insurance agent's number as a priority contact in every document. This helps in establishing a contact immediately thus helping you at that instant.
• File the claim as soon as possible In the aftermath of a problem, prioritize the insurance claiming. Do not keep it aside until the trip ends. Contact the travel insurance provider as soon as possible and start filing the claim.
• Enquire if your claim is rejected Lastly, properly scrutinize your claim filing in case it is rejected and ask for a proper explanation. These are the basic steps to follow while filing for a travel insurance claim. If you have any queries related to claim to file for travel insurance, you can get in touch with us. Cover 360 is eager to help you with all your insurance-related queries.

Top Companies Offering Travel Insurance in India

As we know, travel insurance is a matter of great importance for a successful travelling experience. Hence, it is essential to know the top travel insurance providers in the country and their primary features.

Listed below are the top travel insurance companies present in India.

• TATA AIG Travel Insurance provides basic insurance features such as medical accident, baggage loss, flight cancellation, a personal accident cover along with special Asia and student packages.
• Religare Travel Insurance provides round the clock assistance with personal accident cover, the medical cover including life-threatening diseases and pre-existing illness, loss of baggage or passport, transport of ill patients, hospital bills etc.
• Apollo Munich Travel Insurance provides full medical cover, multi-trip coverage, automatic plan extension, and family-individual- senior citizen variant of policy for all persons without age limit.
• Bharti AXA Travel Insurance covers personal accidents, medical emergency coverage including repatriation in case of deaths, baggage loss including check-in baggage, passport loss etc. for people up to 60 years of age.
• SBI Travel Insurance provides 50,000 to 5,00,000 USD medical cover and 25000 USD personal accident cover, flight delay cancellation cover, home burglary cover, worldwide risk-free travel and 24/7 assistance.
• Reliance Travel Insurance offers different types of plans including domestic, overseas, Schengen etc. in a customized format for people up to 80 years of age.
• Bajaj Allianz Travel Insurance rated iAAA by ICRA, it offers stable and secure plans which include medical coverage, baggage loss, flight delay and cancellation, cashless hospital treatment abroad and burglary cover.
• Royal Sundaram Travel Insurance providing medical coverage including hospitalization fees and 2 days in hand cash allowance, dental relief coverage, evacuation, and political stress risk coverage, baggage loss coverage and 7 days automatic policy extension. These are the top travel insurance providers in the country, securing travelling for many in the country. Cover360 is committed to bringing you all the possible information related to travel insurance in India.

Top Trending Travel Insurance Plans

While selecting the most suitable travel insurance plan, it is important to understand the top plans available in India and the features offered by them.

Here are the top trending travel insurance plans in India and their features :

Cover360 – Poora Travel Insurance Services

The decision and choice to buy the best travel insurance plan are very important. It secures your travels and helps you to get suitable compensations in case of logistical and physical losses. Yet, the process could be cumbersome and time-consuming.

At Cover 360 – Poora Insurance Services, we help our customers to gain complete knowledge about travel insurance, to compare various travel insurance plans and to buy the most suited as per their needs.

Here is how we help you and offer the complete after-sales customer service :

• Our Website is Informative and Effortless The website offers all the information related to all travel insurance products. It is simple to use and we make sure all the information is presented in the simplest form. You can compare travel insurance plans and buy the best at ease and comfort of your home.
• Quick Access to Information In case you have any queries related to travel insurance policy, you can always contact us and get the relevant information immediately. We are committed to offering the most accurate knowledge about all insurance providers offering travel insurance plans in India.
• Help with Claim Processing Apart from helping you to buy the right travel insurance policy, we also provide complete assistance to file the travel insurance claims and getting the paper-work ready.
• Making the Entire Process Easy It is commonly believed that buying insurance is a tedious process. We at Cover 360 make this process uncomplicated and extremely easy for you. We offer simplified forms, easy language and easy to understand insurance terms. Our insurance experts are always here to take any queries and give the right advice related to travel insurance policies.
• Policy Tracking We keep the track of your travel insurance policy electronically and follow any activity that occurs on it closely. Right from the time you buy it until you file a claim for it, we will keep a track of every little detail and will even remind you about the renewals etc. Cover360 is your one-stop shop to gather all the information about travel insurance policies, buy the best policy and filing claim against it. We are here to help you with poora insurance services.