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Travel Insurance

Travel insurance policies act as a protection for you against medial and other exigencies while travelling abroad. With this cover, you can travel peacefully and be assured that you or your family will be taken care of if anything untoward such as loss of baggage, loss of travel documents, medical emergencies or even delay in the arrival of baggage happens. Sometimes, travel insurance is a must to obtain a visa for travel in certain countries.

Types and Benefits of Travel Insurance

Travel insurance can be categorized into the following types:

Single Trip Travel Insurance - This is insurance policy designed for a single trip. It usually covers medical insurance and offers compensation in case of cancellation of the trip.

Multi Trip Travel Insurance - Designed for frequent travelers, these policies can be availed of specialized trips such as sking holidays or adventure tours.

Long stay insurance -Those who go on trips that last anything between 3-18 months can avail of these plans.

Medical Travel Plans - These are policies that take care of the policy holders health or mediacl issues that may arise during the time of the vacation. The insurance company will ask for documents relating to the condition of the health of the traveler before selling such policies.

Exclusions

No coverage if an insured missed his/her flight or train in case of local protests/civil war.

No coverage if an insured gets hospitalised for pre-existing diseases.

No coverage for baggage delay of less than 24 hours.

No coverage for Damage/loss of keys.

Premium

The premium of travel insurance depends upon the following factors

  • Which part of the world (country) you are travelling to.
  • The duration of your stay
  • Your age
  • The nature of your holiday
  • Documents Required

    Most insurance companies will let you buy travel insurance instantly online without any medical examination. However you will need the following documents in case you wish to mak a claim.

    In case of loss of baggage

  • Copies of boarding pass, ticket and tags of baggages
  • Proof of value for articles priced at $100 and above.
  • Details of reimbursement received from airlines or any other regulatory authority
  • In case of loss of passport

  • Photocopy of the passport
  • Copy of FIR
  • Copy of new passport and details of expenses incurred to make it
  • Delayed or cancelled trip

  • Documents from airlines that certify the delay of the flights
  • If medically unfit to travel, a doctor’s report to certify the same
  • If trip is cancelled due to employement issues, a letter of termination or any other related document from company.
  • Hijack

  • Copy of ticket and boarding pass
  • Airline correspondence
  • Statement of incident in written
  • **In all cases, all original bills, vouchers and statements, doctors’s report must be submitted.

    How Credit Sudhaar can help you?

    When you want to travel whether it is for business or pleasure, you want to ensure that you will travel safe. We, at Credit Sudhaar can ensure your safety by helping you on the following counts:

  • We help you assess the right cover based on your travel plans
  • We help you choose the right policy and get you the best deal
  • We help you understand the exclusion and advise you on medical conditions.
  • In case you need to make a travel insurance claim, we help you with all the documentation process to ensure that your claim process does not cause you any additional hassles
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