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Emergency & un-planned expenses can burn a big hole in your pocket when you are traveling abroad. Not only do they take you by surprise, the charges of medical care in most countries are much higher than what you would have at hand while on a foreign trip. By paying a small amount for travel insurance, you can ensure that these surprises can be taken care of easily.
At SHUBH FINANCIAL HUB, we will help you select the best travel insurance plan with optimum premiums so that you get the best protection while travelling.
Types of Travel Insurance
This is for ONE single trip to and from India. The moment you return from your trip to India, the policy validity is over. An example of single trip could be a leaving India for a trip to Singapore, traveling to Thailand from Singapore and then returning from Singapore or Thailand to India.
This is more for a frequent traveler who makes multiple trips throughout the year. It is ideal for businessmen who make more than one trip in a year to specific locations. You can make as many multiple trips to and fro from India within the period of ONE year.
This is for students who are going abroad for education. A lot of universities insist on student travel insurance as the cost of medical expenses while studying in a foreign university can be quite a large sum for a student. In fact, student travel insurance is strongly recommended even if the university you are going to does not insist on it. While on an extended stay, the chances of falling ill or of a medical emergency can be quite high. This also offer some other benefits like visit of emergency family visit, bail bonds on tuition fees etc.
Major Benefits in a Travel Insurance Policy
Costs incurred in treatment of a medical condition, in-patient or out-patient and the costs of transportation to a medical facility are covered.
The dental treatment costs involved in providing pain relief are covered in the plan.
In case of the insured person needs to be moved from one location to another to provide some specific kind of treatment, the costs involved would be covered.
Hospital Daily Allowance
A cash allowance is paid for each day of hospitalisation. This is usually for the miscellaneous expenses which are incurred.
Balance Treatment back in India
In case the insured person comes back to India and needs treatment for the same medical condition, the costs are borne by the policy for a specified period of say 30 days.
Total Loss of Checked-in Baggage
In case your baggage is permanently lost by the airline, the costs involved in purchasing the new items would be covered by the policy.
Delay of Checked-in baggage
In case your baggage is delayed, the costs involved in purchasing essential items and any medication involved would be covered by the policy.
Loss of Passport
In case your passport in lost, the costs involved in procuring a fresh passport would be covered.
Financial Emergency Cash
In case you lose your purse or the money you are carrying due to theft, a specified amount of cash would be made available to you.
Repatriation of mortal remains
In case of death of the policyholder, the costs involved in transporting the mortal remains to India would be covered.
Any personal liability incurred such a damage of property, body injury caused or third party death would be covered
In case of an accident to the airline, a lumpsum amount would be paid out.
If the airline is delayed for more than 24 hours, an amount is paid out to the policyholder.
Trip Cancellation & Curtailment
In case the trip is cancelled or curtailed for unavoidable reasons which are listed in the policy, the travel and accommodation expenses are covered.
A daily allowance is paid to the policy holder in case of an hijack for more than a specified period.