travel insurance is a fairly complex product that covers more than 15 different financial risks, with each risk having its own terms and conditions.for more : https://goo.gl/ogDKtb
2. Be Safe and Secure while Travelling
Travel Insurance is insurance that is planned to cover medical cost, trip cancelation,
lost luggage, flight mishap and different misfortunes acquired while voyaging, either
internationally or inside one's own particular nation.
Travel Insurance can normally be organized at the time of the booking of an outing to
cover precisely the length of that excursion, or a "multi-trip" approach can cover a
boundless number of treks inside a set time span. A few approaches offer lower and
higher medical-expense alternatives; the higher ones are mostly for nations that have
amazingly high medicinal costs, for example, the USA.
Plot No. 8, Sector 32, Urban Estate, Gurgaon 122001, Haryana, India.
3. • Plans for corporate travelers
• Plans for business travelers or vacationers
• Student plans
Types of Travel Insurance
Plot No. 8, Sector 32, Urban Estate, Gurgaon 122001, Haryana, India.
• Plans for corporate travelers
• Plans for business travelers or vacationers
• Student plans
4. The most common risks that are covered by travel insurance plans are:
Medical emergency
Repatriation of remains
Return of a minor
Trip curtailment
Trip cancellation
Trip interruption
Visitor health insurance
Types of Risks Covered
Plot No. 8, Sector 32, Urban Estate, Gurgaon 122001, Haryana, India.
5. Accidental death, injury or disablement benefit
Overseas funeral expenses
Lost, stolen or damaged baggage, personal effects or travel documents
Delayed baggage (and emergency replacement of essential items)
Flight connection was missed due to airline schedule
Travel delays due to weather
Hijacking
Types of Risks Covered (cont..)
Plot No. 8, Sector 32, Urban Estate, Gurgaon 122001, Haryana, India.
6. Cancellation, Curtailment and Trip Interruption
This section covers any unused travel and or accommodation costs, pre-paid
charges (including any additional travel expenses incurred, provided they are
deemed reasonable and necessary) if a trip is canceled or cut short under a
variety of circumstances, which may include any of the following, depending on
the policy:
Death, bodily injury, illness, disease, or pregnancy complications
Compulsory quarantine
Jury service
Being called as a witness
Plot No. 8, Sector 32, Urban Estate,
Gurgaon 122001, Haryana, India.
7. termination of employment (provided you did not know about it before you
booked the holiday)
being called up if you are a member of the armed forces or other public
defense or safety organization
prohibition of travel by the government to the intended destination
officially recommended evacuation from the intended destination
official advisory against going to or remaining at the intended destination
Plot No. 8, Sector 32, Urban Estate, Gurgaon 122001, Haryana, India.
Cancellation, Curtailment and Trip Interruption(Cont..)
8. Some travel policies will also provide cover for additional costs, although these
vary widely between providers.
In addition, often separate insurance can be purchased for specific costs such
as:
Pre-existing conditions (e.g. asthma, diabetes)
Sports with an element of risk (e.g. skiing, scuba diving)
Travel to high risk countries (e.g. due to war, natural disasters or acts of
terrorism)
Additional AD&D coverage
3rd party supplier insolvency (e.g. the hotel or airline to which you made non-
refundable pre-payments has gone into administration)
Acute onset of pre-existing conditionsPlot No. 8, Sector 32, Urban Estate, Gurgaon 122001, Haryana, India.
Optional Coverage
9. Pre-existing medical conditions
Elective surgery or treatment
War
Terrorism - Most trip cancellation policies include terrorism but only when
there is an act of terrorism that meets the policy's criteria including
definition, place of occurrence and date of occurrence.
Injury or illness caused by alcohol or drug use
Plot No. 8, Sector 32, Urban Estate, Gurgaon 122001, Haryana, India.
Common exclusions