Travel Insurance Online: For Worry-Free & Luxury Travel In India

Travel insurance is designed to assist with medical costs, trip cancellations, lost luggage, flight accidents, and other losses that may occur while travelling, whether domestically or internationally. The insurance can be purchased when making travel arrangements or while on vacation. You can purchase multi-trip travel insurance to protect you on an unlimited number of journeys and locations.

Travel insurance online is intended to protect you from financial ruin should an emergency arise while you are travelling. Travel insurance is something you need to protect yourself against the unknown, as most domestic health insurance programmes do not cover you abroad and travel credit cards only offer limited protection.

Types of travel insurances coverage

While planning to buy travel insurance, a few pointers need to be kept in mind so that all the required benefits are covered under the plan:

Medical treatment, including transportation to the medical facility 

A medical emergency can come uninvited anytime. Thus, to stay secure and covered with the benefits of any such emergency, ensure that your policy provides coverage against medical and hospitalisation facilities. This will enable hassle-free and instant treatment in case of an unforeseen emergency. 

Trip cancellation 

There can be multiple reasons to cancel a trip at the last minute, which may not be anticipated while booking your tickets and making other reservations. While reading the policy wordings, ensure that the policy provides financial coverage in case of trip cancellation. 

Accidental death or injury 

While travelling within the country or abroad, getting medical facilities on time can be a cause of concern which may lead to any kind of severity, even death. Thus, while opting for a travel insurance policy, look for the coverage offered in case of injury or accidental death. While no one makes a travel plan considering the worst to happen, keeping yourself financially and medically secure is of utmost importance. 

Lost, stolen, misplaced or damaged luggage 

Baggage loss has become a common problem while travelling these days. Airlines do not provide a proper cover against loss or damage to your luggage. If you lose your baggage in an unknown place, you can get financial assistance to cover your loss with ideal travel insurance. 

How to buy travel insurance online?

Various online platforms offer travel insurance online, and accessing and buying them is also easy. All you need to do is follow a few simple steps:

1. Carefully go through the policy wordings and the benefits offered under the policy. Check if there are no hidden charges or terms and conditions which may act as a blockage in the future while claiming the benefits of the policy. 
2. Compare a few insurer providers and the benefits offered under each policy. This will help you make a wise choice after comparing the benefits each offers. 
3. After making the final choice, the purchase journey is simple. It is an end-to-end digital journey requiring minimum documents to be presented when buying the policy.
4. Also, ensure that the policy you choose has an easy claim process to claim the benefits hassle-free. 

List of places to visit in India

There are various places in India where you can go for a luxurious vacation. Given below is a list of places to visit in South India:

Covering the places to visit in south india part of the peninsular Deccan Plateau, South India is bounded by the Bay of Bengal in the east, the Arabian Sea in the west and the Western Ghats mountain range in the north.

• Coorg
• Ooty
• Wayanad
• Kodaikanal
• Gokarna
• Hampi
• Pondicherry
• Munnar
• Madurai
• Kochi
• Alleppey
• Mysore
• Coimbatore
• Rameswaram

List of places to visit in North India for your next vacation:

• Shimla
• Kullu and Manali
• Nainital
• Mussoorie
• Dehradun
• Dharamsala and McLeodganj
• Haridwar
• Rishikesh
• Dalhousie
• Leh-Ladakh
• Kashmir

Small pocket travel insurance for your next vacation

Suppose you plan your next vacation and do not want to spend a lot on your travel insurance policy yet ensure that maximum benefits are covered. In that case, you can opt for Bajaj Finance Domestic travel insurance policy. 

You must also remember that certain factors impact your travel insurance premiums:

• Age: Your age is a major factor in the premiums that are charged. Therefore, young people who purchase insurance will have to pay relatively lower premiums than people who face life-threatening risks.
• Destination of Travel/Geographical Area: High premium rates are charged when travelling to high-risk or disaster-prone locations.
• Duration of your travel: The premium amount is also influenced by how frequently and for how long you travel.
• The number of people travelling: The number of people to be covered under the travel plan will also determine the premium to pay.
• Add-on Covers: The best option if you want to participate in sports activities while on vacation is to choose a top-up that includes adventure sports.

Exclusions in Travel Insurance

The following are some things that your travel insurance policy may not cover:

• Emergency hospitalisation brought on by pre-existing illnesses
• The loss incurred as a result of intoxication
• When undergoing cosmetic surgery or receiving medical treatment abroad
• Travelling to engage in risky activities like scuba diving or bungee jumping
• Strike, protest, or civil unrest-related delays or cancellations of flights or trains