Why is it important?
By taking out travel insurance you are essentially covering yourself against travel risks such as lost or stolen luggage, cancellation of flights or other modes of transport (should you not be able to travel due to unexpected medical reasons) and most importantly, unexpected medical costs abroad.
HOW TO CLAIM
A travel insurance policy is generally a package policy that includes different types of covers like hospitalisation, personal accident, loss/ damage to baggage, loss of passport and so on.
The procedure and documents required for a claim would vary from cover to cover. All of them would be mentioned in your policy document.
For ease of procedure and your convenience, insurers normally attach the claim form with the policy document. This will contain the list of documents required in case of a claim and also the contact details including phone numbers of the claims administrator either in the destination country to which you are traveling or in another country that is designated to receive and process your claim intimation.
Since this is a package policy with various covers and procedures it is very important that you familiarise yourself with the procedures and documentation in case of a claim.
The most important differentiator is InsureMile’s ‘Buy A Policy, Feed A Child’ mission
For every policy you buy, InsureMile on your behalf contributes 25 meals to a child.
You are thus becoming part of a Social Movement to eradicate hunger among children in India.
There is no additional amount to be paid for the social cause. It is part of the premium.
You can claim tax benefits for the donation you have made.
What are the types of general insurance travel insurance policy?
The followings are the types of thebestgeneral insurance travel insurance plan and they are:
• Domestic Travel Insurance
The travel insurance policy will provide you with domestic insurance. The domestic insurance is especially for those people who are travelling within a country. For example, if you are staying in India and you are travelling to another state in India only. In domestic travel insurance, the insurance company will provide coverage against medical emergencies, death, stolen baggage, etc.
• International travel insurance
These types of general insurance personal travel insurance policies are for those people who are travelling to the other country. For example, if you are staying in India and you are travelling to abroad, then this type of insurance is for you. In this travel insurance, it provides the coverage against medical emergencies in flight, hijacks, loss of travel documents like your passport.
• Student travel insurance
These types of general insurance personal travel insurance quotes are specially created for the students who are travelling to abroad for their higher education. This scheme covers for the student’s medical treatment, their passport or the travel document loss and the study interruptions.
• Medical Travel Insurance
This type of travel insurance is designed for the short – term insurance plan. This insurance will cover the health care or the medical treatment to the passengers who are travelling from one place to another place.
• Family Travel insurance
The family travel insurance is mainly created for the whole family. The plan will cover the family’s hospitalization or the medical treatment, baggage loss, etc.
• Senior citizen travel Insurance
This insurance plan is generally made for the people whose age is between 61 to 70 years. That means it is especially for the senior citizens. This plan covers dental treatment and free or cashless treatment.