Travel Insurance Guide in India

Topics: Insurance / Pages: 5 (1100 words) / Published: Mar 30th, 2011
If you are thinking of heading off for a vacation, business or studies abroad and are confused whether to buy travel insurance or not, you have reached the right page.What is travel insurance and is it really a necessity while travelling abroad? What are the necessary terms and conditions and what are the benefits and exclusions? Read on to find out all you ever wanted to know.
Travel insurance covers you against unforeseen events which can occur when travelling abroad. It could be as small and minor as catching a bug or a delay in flight, or could be as major as a hijack or an emergency medical assistance required. These hassles can not only take toll on your wallet, but also disrupt your travel plan. It is always good to be insured when travelling abroad since it allows you to be on the safe side in the event of a mishap and thus, you can concentrate more on your important dealings. Injury or illness, when travelling abroad, can affect anyone of us, irrespective of our age, profession and reason and duration of our visit.
Travel insurance includes the following: * * Emergency medical expenses * Emergency medical evacuation * Repatriation of remains * Emergency dental expenses * Hospital cash * Accident Death and Permanent total disability * Personal accident * Flight delay * Loss of passport * Delay and/or checked-in baggage * Personal liability * Financial emergency (how) * Hotel accommodation * Hijack distress allowance

In addition to this various insurers cover you home for the duration you are away. Travel insurance covers you for a limited number of days and up to a limited sum. You can align both these with the duration of your travel and the costs of valuables you are carrying with you. The duration can also be extended during your trip. Most of the insurers have a hospital network associated with them through which they provide cashless hospitalization. Others, which do not have

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