Many companies provide different travel packages, and give the customer the option to avail/purchase travel insurance, it is also known as travellers insurance. Some travel policies provide coverage under damage to personal property, rented equipment, such as rental cars, or even the cost of paying a ransom.
To make it easy for people to decide which company to choose for travel insurance here are the top 7 insurers are listed below
ICICI Lombard Travel Insurance
ICICI Lombard provides 360 days of travel insurance, with 180 days of policy which can be extended up to 180 days. The insurance offers coverage of medical assistance and total loss of checked-in baggage which includes handbags.
ICICI Lombard travel insurance also has a cashless hospitalization facility worldwide. Taking the travel insurance from ICICI Lombard does not require any kind of medical test up to 85 years of age.
This Policy does not offer
- Any claim on a pre-existing medical condition.
- Sporting activities.
- Travelling for naturopathy treatment, ayurvedic/homoeopathic therapies.
- Costing relating to rest or recuperation at a spa or health resort.
Religare Travel Insurance
Religare travel insurance offers double sum cover up to $1000K in case of accidental hospitalization. The major advantage is non-medical benefit is up-gradation to business class while returning after 5 days of hospitalization.
Bharti AXA Travel Insurance
Bharti AXA travel insurance has worldwide popularity in 130+ countries. Bharti AXA does not require the customer to undergo any medical check-up for the age of up to 70 years. Customers have an option to choose from three Schengen travel insurance plans which cover all the 26 Schengen countries.
The policy does not cover
- Cosmetic surgery.
- Any kind of sporting activity.
- Medical expenses due to unproven treatment.
- Treatment that could be delayed until return.
Reliance Travel Insurance
Reliance travel insurance provides cashless hospitalization worldwide. Travel insurance offers claim instantly with no medical checkup. However, Reliance does not cover un-declared pre-existing medical conditions.
The policy does not cover
- Claims because of non-declared or pre-existing medical conditions.
- In case of loss of checked-in baggage, any loss or damage shall be payable.
Future Generali Travel Insurance
Future Generali provides global travel protection with its customized plans and 24 x 7 toll–free worldwide customer service. The customized travel insurance plans offer the specially designed plan for passengers travelling to Asian countries and European countries on Schengen Visa. Future Generali is the only insurance company that offers medical advice over the phone and dispatches required medicine that is not available locally. Future Generali allows the customer an automatic extension of the travel insurance for 7 days.
The policy does not cover
- Pre-existing diseases and complications.
- Loss or damage to the passport, and police or any other authority.
SBI General Travel Insurance
SBI general insurance provides medical cover up to $500,000. but, it covers only those medical expenses which are in case of emergency.
The insurer provides an automatic extension for 7 days for delays due to any transport services. The extension of travel insurance is allowed for a maximum of 180 days but it must not more than 270 days.
The policy does not cover
- The claim underinsured person is travelling against the advice of a Physician or is receiving or waiting to receive treatment
- No claim if arising from war, hostilities and situations of military or usurped power.
- No claim under any sporting activity.
- No claim under participation in professional.
- No cover on medical expenses arising out of a pre-existing disease.
TATA AIG Travel Insurance
TATA AIG travel insurance is the only insurer which covers claim for the unauthorized usage of a lost payment card, up to 12 hours of reporting. The insurer does not cover in case of any pre-existing conditions or any complication arising from it. In a life-saving emergency condition, TATA AIG would offer up to $1500 per policy. The insurance plan consider bounced bookings of hotels and airlines.
Moreover, TATA AIG has many sub-limits for medical expenses for persons aged 56 years and above. Like max $10,000 for surgery, max $400 for an ambulance, max $3000 per day for up to 7 days for ICU, etc.
Final Words
Travel insurance is listed above is offered by a top company and with unique advantages to avail. Customer can choose as per requirement and their interest.
