Domestic Travel Insurance
Travelling is always fun, and with all this fun, comes an element of uncertainty and risk. What if you face a medical emergency in a completely new city in the event of delayed or cancelled flight or lost baggage? We often realize that they do need to have travel insurance when traveling abroad, but we tend to overlook this need when traveling within India as well. Contingencies do not come with a prior notice and your journey, whether abroad or within India, does entail potential risks. Make sure to have a pleasant and relaxing journey and stay in your home country.
Domestic Travel Insurance provides you with the assurance that you will not have to bear out-of-pocket expense so as to manage and cope with unforeseen hassles. With this assurance come peace of mind and a feeling of security.
Features of Domestic Travel Insurance in India
It covers the individual policyholder
It is available only for the people above 18 years of age and below 65 years of age
It is a cheap and hassle-free way to be prepared for eventualities when travelling in your own country
It provides coverage against the loss of travel tickets and passport
The coverage is offered for a period of one year and up to the limit of sum insured
Covers the expenses due to the delay in flight and the missed connecting flight
Provides a coverage for all the expenses incurred on repatriation and emergency evacuation costs will be covered
Bears the loss or damage to someones property, that you are liable for
Covers the emergency medical costs and expenses for anesthetic dental treatment
Provides complete coverage against total loss of accompanied baggage
Eligibility for Buying Domestic Travel Insurance
Any Indian travelling within the country is eligible to buy travel insurance. Any national from another country, traveling in India or working with a permit in India can also buy this travel plan. Some of the major providers of travel insurance policies in India areBajaj Allianz Travel Insurance, Tata AIG Travel Insuranceand many more.
The eligibility age is usually between 18 to 65 years and varies from plan to plan. The coverage provided by the insurer depends upon numerous factors such as you’re the destination you are travelling to, medical conditions, the duration of your trip and many more.
Buying the best domestic travel insurance in India is certainly a necessity; because all the while you travel you are surrounded by risk and uncertainties.
Exclusions in Domestic Travel Insurance
Besides understanding what all is covered under domestic travel insurance, it is also important to know the exclusions.
Domestic travel insurance does not provide coverage for any pre-existing medical criticalities and related complications. Any form of self-inflicted illness or injury, suicide attempt, non-adherence to medical advice of the doctor, and HIV/AIDS are also not covered under the policy. Situations arising out of an act of terrorism or war are also excluded. Any harm to the insured due to drugs abuse, the influence of alcohol, and voluntary participation in hazardous activities and criminal acts is also not covered under this travel insurance plan.
Non-medical expenses are not covered
If the insured is traveling against his/her doctors advice
If traveling for medical treatment or detected with a terminal ailment
The accident caused due to the consumption of alcohol or drugs
Self-initiated harm, suicide, Sexually Transmitted Diseases, mental disorder like stress, anxiety, depression etc.
If the insured is a member of Armed Forces and has not mentioned it earlier
If the insured is a part of any criminal activities, civil commotion, riot etc.
Any damage happened due to the participation in adventure activities or water sport, mountaineering, bungee jumping, scuba diving, race, hang gliding etc.
No insurance is offered for the damage due to caving, hunting, horse-riding, surfing, rafting, canoeing, underwater sports etc.