|
AWARD WINNING COVER
Best Motor
Insurance Provider,
Best Home and Contents
Insurance Provider and
Best Pet Insurance Provider
Your Money
Direct Awards 2008
|
Realv Travel Insurance
Realv In India, there are different travel insurance providers and these travel insurance companies offer comprehensive coverage. This coverage are not only for traveling within India but also tailored for abroad tours. In different parts of India, there are numerous travel insurance providers and selection of a good travel insurance can safeguard from unforeseen eventualities like cancellation of travel plans, lost of luggage, flight delays, illness, accidental death during travel etc. While planning for a tour it is necessary to have a clear idea about the suitable insurance. A good travel insurance of India can protect from perils in unknown foreign land during crisis.
In India, the travel insurance premiums are usually charged on the basis of slabs. There may be pre-defined slabs and the insurance premiums should be paid as per scheduled slabs. While traveling abroad, in many nations travel insurance is mandatory for the visitors. All of the Indian travel insurance companies do not offer free online travel insurance quotes but the leading ones offer free online insurance quotes in India.
|
Most tourists forget that insurance is an important requirement while visiting any country. Insurance for traveling in India is a must and as important as traveling to any other country. One can always claim insurance in case of an emergency. It relieves the tension of financial crunch during the time of an emergency. Read on further for tips on travel insurance for India.
- Check your travel insurance papers if they offer medical coverage in case of an untoward incident in a foreign land.
- Most hospitals in India do not treat foreign nationals if they do not have proper medical insurance.
- Affordability is a major concern. Though most medical help in India is affordable, it depends on the intensity of the emergency as to how much treatment is needed. In all good and reputed hospitals, it may reach a high amount.
- It also acts as an additional security in case of flight cancellation, damaged or lost baggage, illness, etc
|
Types of Travel Insurance Covers:
Medical Expenses
-
Coverage of medical expenses and dental treatment- If a person falls sick on a trip, the travel insurance policy promises to provide a cash free treatment subject to a minimum amount of expense. Further, travel insurance also covers any dental treatment due to injury on a trip.
-
Hospitalization allowance- If a person is hospitalized for more than two days, then this policy provides for daily hospitalization allowance.
-
Medical Evacuation- In case there are circumstances that prevent a person from being treated for the illness while he is on a trip, then this policy assures the coverage to bring the person back to the hospital in his native place.
-
Compassionate visit- In case a person remains hospitalized for more than seven consecutive days while on a trip, the insurance company reimburses the return fare for a family member to visit him.
-
Personal Accident- In case of disability or loss of life of th insured person abroad due to an accident, the insurance company is liable to compensate for the same.
Loss of Personal Possessions
-
Delay of Checked-in baggage- The insurance company is liable to pay for the emergency purchase of replacement items if the insured person's baggage is delayed beyond 12 hours.
-
Total loss of Checked-in baggage- If a person's checked-in baggage is lost in the custody of the air-carrier, then the insurance company is liable to reimburse the total loss of baggage.
-
Loss of passport- In case the person loses his passport abroad, the insurer has to reimburse all expenses for obtaining a duplicate passport.
-
Trip Delay- If the trip is delayed for more than 12 hours due to problems at the airport, medical problems or any natural disasters, the insurance company is liable to reimburse for the expenses incurred.
Time Based Contingencies
-
Trip Cancellation- In case one's trip is canceled due to any reason like medical emergency or natural disasters, the insurance company is liable to take care of all the expenses which are otherwise non- refundable.
-
Missed Connection- The insurance company needs to pay for all the expenses if a person is unable to reach his destination on time due to delay in arrival of the flight for more than three hours.
-
Personal Liability- The insurance company covers all the expenses to be paid to the third party in case of involuntary death or damage to health and property of the insured person.
Unforeseen Event Contingencies
-
Financial Emergency Assistance- In case there is any monetary loss due to theft or robbery, abroad, the insurance company compensates you for a portion of that amount.
-
Hijack Distress Allowance- The insurance company pays a distress allowance to the insured if the air-carrier is hijacked for more than 12 hours.
-
Home Burglary Insurance- The insurance company covers the risk of your possession at home at your native place being stolen, by compensating you with the same amount or a part of the same.
|
