If you travel without sufficient travel insurance coverage, then
you will be lost financially. Travellers should not forget that there are
various things which can go worst while travelling. For example, health issues
can arise, flight cancellation or delays, stolen luggage etc. Buying cheap travel insurance policies India helps to cover such risks as
well as compensates the insured for loss arising due to unforeseen events
during journey.
In fact, insurance experts suggest travellers to buy one
especially during foreign trips. In the Indian insurance market, a wide range
of plans are available. But, do not forget to read finer details before
selecting a policy. Below are top 5 facts to be considered before purchasing a
travel insurance plan online:
·
Inclusions and Exclusions
Initially, all plans may look similar, but the finer information like
exclusion and inclusion can create a vast difference. For instance, health
insurance while overseas travel is a necessary component. Generally, it offers
compensation for loss of luggage, loss of important documents and flight delays
or cancellation. Disabilities or accidental death because of accidents is not
covered by all policies.
·
Duration Coverage
Based on your trip duration, customers can select from an annual multi-trip
policy or a single trip travel insurance policy. Remember to check how many
consecutive days abroad will be insured under the plan. The frequency of travel
should help you to choose the correct policy type. In fact, some plans give a
feature of extending the plan in case the trip duration gets extended.
Selecting coverage with this feature can support in saving premiums.
·
Destination Coverage
Travel insurance companies in India provide plans which may have certain
geographical coverage or global coverage. Selecting a plan with global coverage
is much better as it has no risk of rejection. But, it may has exceptions and
sub clauses too. Customers should know that sub limits on the coverage amount
are different for different locations.
·
Extent of Coverage
When you buy a policy, check how much will be the coverage for each
person. It means there will be a limit on the claims filed based on what is
being claimed. Generally, there is a pre-set coverage amount assigned for the
different benefits. Evaluate which policy suits your needs the best and then
select the one that provides the maximum coverage extent.
·
Pre-existing Health Conditions
Usually, insurance companies in India do not offer coverage for
insured’s pre-existing health conditions. However, some insurers give coverage
with specific conditions. Insured is necessary to declare the pre-existing
medical conditions while buying Cheap travel insurance India. Always disclose all the
details related to health at the buying stage to avoid any type of hassle in
the long run.
Today, travelling without adequate travel insurance coverage is a big
risk. Compare various options available online and then choose the one that offers
the most appropriate coverage.
Source: https://insurancegeneralindia.wordpress.com/2015/07/16/top-5-facts-to-be-considered-before-buying-cheap-travel-insurance/
Hi this is aarya thanks for the on Cheap Travel Insurance and informative blog also .
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