If you travel without sufficient travel insurance coverage, especially during foreign trips then you will be lost financially. Travelers should not forget that there are various things which can go worst while traveling. For example, health issues can arise, flight cancellation or delays, stolen luggage etc. Buying online travel insurance policies India helps to cover such risks as well as compensates the insured for loss arising due to unforeseen events during journey. Look out for following things when you buy one:-
Inclusions and Exclusions
Initially, all plans may look similar, but the finer information like exclusion and inclusion can create a vast difference. For instance, health insurance while overseas travel is a necessary component. Generally, it offers compensation for loss of luggage, loss of important documents and flight delays or cancellation. Disabilities or accidental death because of accidents is not covered by all policies.
Based on your trip duration, customers can select from an annual multi-trip policy or a single trip travel insurance policy. Remember to check how many consecutive days abroad will be insured under the plan. The frequency of travel should help you to choose the correct policy type. In fact, some plans give a feature of extending the plan in case the trip duration gets extended. Selecting coverage with this feature can support in saving premiums.
Travel insurance companies in India provide plans which may have certain geographical coverage or global coverage. Selecting a plan with global coverage is much better as it has no risk of rejection. But, it may has exceptions and sub clauses too. Customers should know that sub limits on the coverage amount are different for different locations.
Extent of Coverage
When you buy a policy, check how much will be the coverage for each person. It means there will be a limit on the claims filed based on what is being claimed. Generally, there is a pre-set coverage amount assigned for the different benefits. Evaluate which policy suits your needs the best and then select the one that provides the maximum coverage extent.