Travel Insurance An Introduction

Travel Insurance

Travel insurance is called by different names by insurance companies, but offers insurance protection while one travels. Travel insurance protects the insured person and his family from domestic and international travel related perils and losses like accidents, unexpected medical expenditure during travel, baggage loss, interruption or delays in flights etc.

The following covers are usually available under travel insurance though the combination may vary.

i. Medical expenses with or without cashless facility (most travel insurance products offer cashless facility)

ii. Personal accident

iii. Loss of baggage

iv. Delay in baggage arrival

v. Loss of passport

vi. Travel delay

vii. Repatriation

viii. Transportation of dead body etc.

The list, however, is not exhaustive.

*Courtesy: Insurance Regulatory and Development Authority of India.

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