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• Key takeaways

Do I need travel insurance to visit India?

How much does travel insurance for india cost, what does travel insurance for india cover, what isn’t covered by travel insurance for india, tips for getting the best india travel insurance, india travel information & requirements, faq: india travel insurance, related topics.

Travel Insurance for India: U.S. Visitor Requirements & Quotes

• You must have a visa and a valid passport to visit India .
• Although travel insurance isn’t required, it’s advisable to at least purchase travel medical and medical evacuation coverage because India won’t accept your U.S. health insurance .
• More comprehensive policies can also cover other travel mishaps , such as trip cancellations and delays, lost baggage and car rentals.
• According to our research, our top picks for travel insurance for India come from Seven Corners, Tin Leg, and AXA Assistance USA ( skip ahead to view these plans ).
• Costs for travel insurance vary, but you can typically find basic medical coverage for less than $1 per day .
• To view multiple plans at once and find the best coverage to suit your needs, try using an online comparison tool .

Our top picks for the best india travel insurance

• Seven Corners: Best Value for Robust Coverage & Medical Emergencies
• Tin Leg: Best Rated Overall
• AXA Assistance USA: Best for Budget Friendly Travelers

Our top picks for travel insurance for India

Seven corners.

AXA Assistance USA

India does not require tourists to have travel insurance . However, traveling in India can come with a significant amount of risk. A travel insurance policy covers medical care and medical evacuation, so you can move around the country with peace of mind. If you become injured or sick, you won’t be saddled with an expensive medical bill.

Travel insurance also protects you from other unexpected circumstances that could affect your trip. If a natural disaster forces you to cancel or a political protest disrupts your plans, your policy can help reduce the financial impact.

It can also help you prepare for other risks, such as those discussed below.

Risk of pickpockets and tourist scams

Pickpockets and petty thieves run rampant in India, often targeting unsuspecting tourists. They operate in crowded tourist destinations, such as airports and famous sites like the Taj Mahal.

Tourist scams are another common occurrence in India. Scammers try to lure travelers with false promises, only to extort them for money or put them in dangerous situations. In other cases, criminals drug visitors before robbing them. Travel insurance with coverage for personal items can help pay to replace stolen items.

Risk of canceled day trips or tours

Tours and day trips are a popular way to see sights in India. Since many operators have little to no oversight, they may cancel these excursions at the last minute without reimbursing you. Certain travel insurance policies can reduce the risk of financial loss by covering nonrefundable costs for interrupted or canceled tours.

Risk of political demonstrations

Political demonstrations in India can be large and disruptive. In some cases, they affect airlines, train lines and major roadways. When a demonstration arises before or during your trip, you may have a hard time reaching your destination. In some cases, widespread protests make it too dangerous for foreigners to visit the affected areas. A travel insurance policy can help you recover the costs of canceling the trip, rebooking flights, or making unexpected hotel stays.

Risk of severe weather conditions

Many parts of India experience severe weather at various times throughout the year. In southern India, the monsoon season often brings severe flooding; the northern part of the country sees intense dust storms. Dangerous heat waves are possible across most of the country. While you can’t predict serious weather events, you can use insurance to prevent significant financial losses if storms affect your trip.

Best Value for Robust Coverage & Medical Emergencies

Why we like it.

• Offers coverage for pre-existing conditions
• Money-back guarantee
• Cancellation & Interruption coverage standard
• Covers action sports & equipment
• Cancel for any reason not included standard
• Must meet waiver for pre-existing conditions to be covered

Best Rated Overall

• Coverage for pre-existing conditions
• Cancelation & interruption coverage
• Offers hurricane and weather coverage

Best for Budget Friendly Travelers

Our official sales figures over the past year show that our customers paid an average of $136.70 for travel insurance to India.

We found that travel insurance for a trip to India can cost as little as $1 per day for the most fundamental medical and medical evacuation coverage. A more comprehensive plan that covers trip cancellations and interruptions will cost around $7 to $11 per day.

To give you a better idea of how much travel insurance costs for a trip to India, we requested quotes from four leading travel insurance providers.

We used these details for all of our quotes:

• Age : 35 years old
• Destination : India
• Trip Length : 7 days
• Trip cost : $2,000
• Date: September 2024

You can see our quotes for basic travel insurance in the table below. Prices range from less than $1 per day to $6 per day .

Example Where Plan Doesn’t Reimburse the Full Trip Cost

Our quotes for policies that include trip cancellation and trip interruption coverage are in the following table. Prices range from around $7 to $11 per day .

Example Where Plan Does Reimburse the Full Trip Cost

It’s important to note that the cost of India travel insurance is different for everyone.

Providers base your policy premium on factors such as:

• Trip duration
• Cost of the trip
• Current health insurance
• Elapsed time between policy purchase and first trip deposit

As with any type of insurance, every plan offers different types and levels of coverage.

We break down some of the most common coverage types below.

Trip cancellation insurance

Trip cancellation coverage helps you recover prepaid, nonrefundable trip costs if you have to cancel your plans. Travel to India is expensive, especially if you’re booking popular hotels and tours. If you fall ill a week before your flight and you’re too sick to travel, insurance can ensure that you don’t lose money in the process.

Trip delay insurance

This type of insurance covers the extra expenses that arise if your India trip is held up due to circumstances beyond your control. If your connecting flight from Amsterdam to New Delhi is pushed to the next day, insurance can cover a last-minute hotel booking and taxis to and from the airport. Keep your receipts, and you might also be able to get reimbursed for meals and nonrefundable hotel stays in your final destination.

Trip interruption insurance

Trip interruption coverage kicks in if unexpected circumstances require you to cut your vacation short. As long as the reason for the interruption is covered, the policy will typically refund the non-refundable costs of the rest of the trip . It might also cover the flight back to the U.S.

Travel medical insurance

If you get hurt or fall ill while you’re exploring India — a possibility, given the country’s inconsistent safety regulations — travel medical insurance covers the costs. In most cases, you’ll need to pay the healthcare bills first and file a claim for reimbursement. Some plans will work directly with the medical provider to settle bills if you need hospitalization after an accident or a bout of dengue fever.

Medical evacuation insurance

Medical evacuation coverage pays for your transportation in case of a medical emergency. It’s critical for trips to India — healthcare facilities aren’t always available away from major cities. That means if you’re injured while trekking in the Himalayas or cruising in Kerala, you may need to be transported a long distance by air to get to a hospital. When the situation is serious enough, a medical flight back to the United States may be necessary.

These services are expensive, but evacuation coverage can take care of the bill. Make sure you choose a policy with a high limit when traveling to India, particularly if you’re planning an adventurous itinerary to rural parts of the country.

Insurance for personal items

Personal item coverage helps you pay for damaged, lost or stolen belongings. Given the risk of theft and pickpocketing in India, this type of insurance is essential. Limits can vary considerably between policies; you may need to shop around to find adequate coverage if you’re packing computers, phones and cameras.

Rental car coverage

This type of insurance pays for damage to your rental car. It’s usually offered as an add-on for an extra fee, but don’t skip it if you’re renting a car in India — road conditions and driving safety are well below U.S. standards in many areas.

Every travel insurance policy comes with exclusions, which are things the plan will not cover. For example, if your policy excludes preexisting medical conditions , it won’t pay cancellation costs if you have to cancel due to a chronic health condition.

Standard travel insurance exclusions are:

• Pregnancy (except for complications)
• Anxiety and mental health
• Routine medical or dental procedures
• High-risk activities
• Extreme sports and professional sports
• Trips that go against medical advice
• Storms that have already been named
• Illegal activities

It’s also important to note that your policy might refuse to cover anything for which you don’t have the appropriate documentation. If you need to seek medical care, or you plan to file a claim for trip cancellation or interruption, call the provider immediately to ask about documentation requirements.

A wide range of providers offer travel insurance to India.

These tips can help you select a plan that provides ample coverage and peace of mind:

Research your destinations.

If you’re traveling to rural parts of India, make sure your insurance policy includes a high limit for medical evacuation. That way, you’re less likely to incur high bills for medical flights.

Check emergency procedures.

Some providers deny medical claims if you fail to call the emergency assistance line before seeking help. That’s not always possible in areas of India that don’t have cell service.

Consider how you’re traveling around India.

Travel insurance policies don’t apply to every mode of transportation. If your plans include hitching a ride or renting a motorcycle in India, make sure it’s covered in case of an accident.

Examine the risk level of activities.

Read the policy exclusions carefully to ensure that your intended activities are covered.

Buy a policy as soon as possible.

By buying as soon as you book the trip, you’ll be protected for longer. Coverage usually starts from the purchase date.

Are there COVID-19 restrictions for U.S. tourists?

No, as of February 13, 2023, there are no COVID-19 restrictions for U.S. tourists.

Do I need a visa or passport to travel to India?

You need both a visa and a passport to travel to India . You can apply for an eVisa online. If you’re approved, you can travel in India for up to 60 days. Make sure to apply at least four days before you’re scheduled to arrive. To stay longer, you must apply for a standard tourist visa at the nearest Indian consulate or embassy.

Before you apply, check the expiration date on your passport . The document must be valid for at least six months after the application date. Indian immigration officials require two blank pages to accommodate visas and stamps.

Is it safe to visit India?

India can be a safe destination for savvy tourists — however, you must exercise a great deal of caution . Petty crime is common, as are scams. Female travelers must be especially careful as there have been many reports of sexual assault and violence against women, including tourists. The U.S. Department of State advises women to dress according to local custom and avoid traveling alone in India.

There is also a chance of terrorism and civil unrest throughout India, particularly in the northeastern states, central and eastern India and areas near the Pakistan border.

Can a US citizen buy health insurance in India?

As a citizen of the US traveling to India, it is far more beneficial for you to purchase a travel insurance policy before you leave for your vacation. Doing so prepares you for early unforeseen circumstances such as delayed flights or canceled bookings. NRIs (non-resident Indians) may be able to purchase health insurance in India. Still, as U.S. travel insurance companies are fully regulated, you are far safer securing your coverage within the states.

Can I use my U.S. health insurance in India?

No, you cannot use most standard U.S. health insurance policies in India.

Can a U.S. citizen buy travel insurance in India?

A few insurance providers allow you to purchase travel insurance after you’ve started your trip in India. However, you may be subject to higher fees or a waiting period before you can make a claim.

Is it better to buy travel insurance from India or U.S.A.?

It’s best to buy travel insurance for India while you’re still in the United States. You can buy it from a domestic or international provider — just make sure the company is reputable and that the policy applies to American travelers.

About the Author

Imogen Sharma is an experienced writer, specializing in business, culture, and financial guidance for young adults. She has contributed to articles for Varo Bank , Lendzi , MoneyTips and Indeed , providing invaluable insights into budgeting, financial planning, and lines of credit.

As a dedicated self-employed writer, she cherishes the opportunity to share her knowledge and experience with others, offering advice so they can master their bank accounts and secure their financial futures. Her articles, published in CMSWire , Reworked , WalletGenius and The Customer , serve as actionable guides to help people make solid financial decisions.

Prior to her writing career, Imogen honed her financial acumen in management roles, excelling in P&L analysis, budgeting and HR. During her tenure at Smith & Wollensky in London, her strategic contributions contributed to a 2% increase in EBITDA over a year, demonstrating her ability to drive financial performance and organizational success.

Imogen’s writing style combines expertise with accessibility, making complex financial topics easily understandable and actionable. With a focus on the long game, she encourages readers to approach financial matters with enthusiasm and determination.

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Health Insurance in India for Foreigners

Understanding Health Insurance in India for Expats and Foreigners

For decades, India has been one of the most popular countries in the world for expats. It’s a top destination for people interested in alternative health, including yoga and Ayurveda care. India is also hugely popular for medical tourism. Home to some of the top private hospitals in Asia, medical tourists from the United States and elsewhere head to India for elective procedures at a fraction of their price at home. India has also made huge strides in improving the quality of its public healthcare. Notably, this includes eradicating polio in 2011. And overall, communicable diseases decreased by nearly 50% between 1990 and 2016.

Find the Best International Medical Insurance

• Compare multiple quotes and coverage options
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However, India ranks a poor 112th out of 191 countries on the World Health Organization’s list of the world’s most efficient healthcare systems. India’s infant mortality rate – a key public health benchmark – is 7 times higher than that of the United States. Furthermore, conditions such as diabetes and heart disease are on the rise. Yet very few people are being treated. In short, there is a lot for expats to consider when selecting health insurance in India . This is what they need to know.

How Expats Can Qualify For Health Insurance in India

At present, there is no option for expats to qualify for public health insurance. This is because the Ayushman Bharat program is designed to serve the local population. Expats living in India and those traveling to India can usually be treated at public hospitals, but they will have to pay out of pocket as they aren’t citizens. The costs are very modest, and a consultation can be as little as a few dollars. However, the standard of care is so poor that private clinics and hospitals are hugely preferable.

Best Health Insurance in India for Expats or Foreigners

For all foreign nationals living in India, we recommend the Cigna Global plan as it offers comprehensive coverage at an affordable price. The variety of available plans makes it easy to design coverage and benefits that meet your needs and budget. You will be covered while living in India and worldwide – so you can access doctors anywhere in the world.

Cigna Global Insurance Plan

• The flexibility to tailor a plan to suit your individual needs
• Access to Cigna Global’s trusted network of hospitals and doctors
• The convenience and confidence of 24/7/365 customer service

US Citizens: Best Health Insurance for Americans in India

For US citizens living in India, the GeoBlue Xplorer plan is an excellent choice. They offer a high-quality network of doctors worldwide that you will have access to and the Blue Cross network of doctors and hospitals in the USA.

Xplorer Worldwide Medical Plan

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Things You Need To Know When Considering Insurance Plans in India

There is virtually no country in the world with such a significant gap between rural and urban areas when it comes to the standards of healthcare as India. Approximately 70% of India’s population lives in rural areas, and virtually all of these people have extremely limited access to medical care. Thankfully, that is slowly changing. But thus far, to a certain extent, alternative medicine fills the gap in care for many people. Expats who will be working and living in rural areas need an insurance policy that accounts for emergency transportation to urban facilities.

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Many doctors do rounds at the local hospital by day and run their own practice at night. Public hospitals also usually have a duty doctor or family doctor on call to have non-urgent concerns addressed. However, at many private facilities, a family medicine clinic sees patients for non-urgent concerns during regular business hours. Doctors are also usually very responsive to address concerns over the phone and even sometimes over apps like WhatsApp.

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Overview of India’s National Health Insurance System

Technically, India has a system of universal healthcare. The Indian constitution makes the provision of healthcare in India the responsibility of the state governments. They are tasked with taking care of nutrition, the standard of living, and public health. As many as 90% of the people in India use government-run hospitals, where care is free or very heavily subsidized. However, the system is fraught with challenges. The standard of care in government-run facilities ranges from basic to abysmal. For instance, medications that are supposed to be provided for free are often unavailable. Bribery is a common practice, a necessity to be seen sooner or treated better. Waiting times for basic appointments can take days or even weeks.

However, in fairness to India, there is also a lot to celebrate. Despite massive obstacles, India has managed to provide free healthcare – however basic – to a country of over 1 billion people. And, at present, huge changes are being rolled out to help India’s poorest citizens.

Read: Understanding India’s Healthcare System

Understanding New Changes in India

A massive change is currently underway. In 2018, India introduced a new national health protection scheme. It’s called Ayushman Bharat , or the National Health Protection Mission. Under this plan, the poorest half of India’s population (which is more than 500 million people), will receive $7,200 in annual coverage to apply towards care at private hospitals. For people used to the health costs in places like the United States that might not seem like a lot of money. However, in India, the cost of medical procedures is much lower. For instance, gallbladder surgery at a private hospital could cost less than $500. As such, $7,200 would make a strong, measurable difference in the lives of India’s poorest citizens.

Another important development is the establishment of some 150,000 health and wellness centers or HWCs, to increase access points for medical care. This move means that India is closer to meeting its commitments of universal health coverage, a key part of the United Nations Sustainable Development Goals .

In the first year since implementation, the Ayushman Bharat program has reached nearly 4 million people. The resulting savings for the affected families is estimated at 1.6 billion dollars. However, critics allege that money is being spent recklessly, that there are significant gaps in the infrastructure which aren’t being addressed, and that there is an acute shortage of skilled workers.

Pros and Cons of Using the Local Health System

At present, virtually all forms of the public health system in India struggle to provide services in a timely manner. Public facilities are devoid of privacy and comfort. Patients often have to share beds and cleanliness is dubious. Expats should avoid public health facilities unless they have no other choice. It’s not just about comfort. In these overcrowded facilities, locals struggle for basic care. Expats who can afford to seek care elsewhere should do so in order not to drain much-needed resources from the public.

If you do use public health facilities, be aware that in addition to treatment costs, you will also likely pay a one-time registration fee. If you are admitted, you will also pay room charges. The different categories of patient accommodations often have optimistic names like “deluxe”, “deluxe with AC” or “super deluxe”. Choose the highest level you can afford to increase your comfort and privacy. And while it’s easier said than done when you aren’t feeling well, insist on reviewing your bill to ensure your room charges actually correspond with the accommodations you receive.

The contrast between public and private care in India could not be more pronounced. Urban centers in India have an extensive network of private hospitals and clinic which provide high-quality care. Standards are so high in fact that India is one of the popular destinations in the world for medical tourism. Expats can expect private, comfortable rooms with modern amenities, English-speaking doctors, specialists, nurses, and support staff, and even access to alternative treatments. While it can take days to see a doctor at a local public emergency room, private hospitals and clinics offer timely care, even for specialist referrals.

Start by Reviewing Plans and Requesting a Quote

Use the links below to review coverage offered by the leading health insurance plans for expats living in India. If you would like a quote from any of the listed providers, click the Get a Quote button to receive a custom quote.

• William Russell plans cover you internationally, both in the country you reside in and wherever you are traveling to (addons required for USA)
• Their network includes 40,000 hospitals around the world.
• Plans have comprehensive cancer coverage, including genome testing.
• US Health Insurance for Foreigners

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Travel Insurance India

For your holidays in india and abroad.

India is a country known for its colorful festivals, delicious food, and fascinating history. From the towering mountains of the Himalayas to the sandy beaches of Goa, there's so much to explore. But when you're traveling to India, it's essential to make sure you're prepared for the unexpected.

Before you set off on your adventure, here's everything you need to know about travel insurance for India, so you can stay safe and enjoy every moment of your Indian journey!  

What should your Travel insurance cover for a trip to India?   

How does travel insurance for india work.

• Do I need Travel Insurance for India? 

How Much Does Travel Insurance Cost for India?

Our suggested axa travel protection plan.

• What types of medical coverage does AXA Travel Protection plans offer?

Are There Any COVID-19 Restrictions for Travelers to India?

• Traveling with pre-existing Medical Conditions? 

What should your travel insurance cover for a trip to India?

At a minimum, your travel insurance should cover trip cancellation, trip interruption and emergency medical expenses. When it comes to international travel, the US Department of State outlines key components that should be included in your travel insurance coverage. AXA Travel Protection plans are designed with these minimum recommended coverages in mind.  

• Medical Coverage   – The top priority is making sure your health is in order. With AXA Travel Protection, you can have access to quality healthcare during your trip overseas in the event of unexpected medical emergencies.    
• Trip Cancellation & Interruptions  – Assistance against unexpected trip disruptions can dampen the mood, AXA Travel Protection offers coverage against unforeseen events.   
• Emergency Evacuations and Repatriation   – In situations where transportation is dire, AXA Travel Protection offers provisions for emergency evacuation and repatriation.   
• Coverage for Personal Belongings  – AXA offers coverage for your belongings with assistance against lost or delayed baggage.   
• Optional Cancel for Any Reason  – For added flexibility, AXA offers optional Cancel for Any Reason coverage, allowing you to cancel your trip for non-traditional reasons.  Exclusive to Platinum Plan holders. 

In just a few seconds, you can get a free quote and purchase the best travel insurance for India.

Picture yourself trekking through the lush forests of Kerala, enjoying the serene beauty of nature and the chirping of exotic birds. Suddenly, you accidentally step on a hidden rock and sprain your ankle. With travel insurance, you're covered for unexpected medical emergencies, even in India's most remote areas.

If things take a turn for the worse, AXA is available to assist you in devising a strategic plan.

Here’s how travelers can benefit from an AXA Travel Protection Plan:  

Medical Benefits: 

• Emergency Medical Expenses: Should you fall ill or have an accident during your trip, your policy may offer coverage for medical expenses, including hospital stays and doctor's fees. 
• Emergency Evacuation & Repatriation: In case of a serious medical emergency, your policy may include provisions for evacuation to the nearest appropriate medical facility or repatriation. 
• Non-Emergency Evacuation & Repatriation : In non-medical crises (e.g., political unrest), your policy may cover evacuation or repatriation, subject to policy terms. 

Baggage Benefits: 

• Luggage Delay: If the airline delays your checked baggage, your policy might offer reimbursement for essential items like clothing and toiletries. 
• Lost or Stolen Luggage: In the unfortunate event of permanent loss or theft of your luggage, your policy may offer reimbursement for its value, assisting you in replacing your belongings. 

Pre-Departure Travel Benefits: 

• Trip Cancellation: You may be eligible for reimbursement if you cancel your trip due to a sudden illness or injury. 
• COVID-19 Travel Insurance: Coverage is available for trip cancellation and medical expenses related to COVID-19, subject to policy terms and conditions. 
• Trip Delay: If your flight faces delays due to unforeseen circumstances, you may have coverage for additional expenses such as meals and accommodations. 

Post-Departure Travel Benefits

• Trip Interruption: In case of an unexpected event, you could be eligible for reimbursement for the unused portion of your trip.
• Missed Connection: If you miss a connecting flight due to delays or cancellations, this coverage may help with expenses like rebooking fees and accommodations.

Additional Optional Travel Benefits 

• Rental Car (Collision Damage Waiver): Exclusive to Gold & Platinum plan policy holders, this optional benefit gives travelers extra coverage on their rental car against damage and theft. 
• Cancel for Any Reason: Exclusive to Platinum plan policy holders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy. 
• Loss Skier Days : Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate some costs associated with pre-paid ski tickets that you or your traveling companion cannot use due to specified slope closures. 
• Loss Golf Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you or your travel companion are unable to utilize due to specified golf closures.

Do I Need Travel Insurance for India?

India is a diverse and dynamic country, where travelers may encounter unexpected challenges. While travel insurance may not be a requirement for visiting India, it's highly recommended.

Why? There are several reasons:  

Medical Emergencies : Access to quality healthcare varies across India, and medical expenses can quickly add up in case of emergencies. With coverage for emergency medical expenses, travelers can seek necessary medical treatment without worrying about expensive costs.  

Lost Baggage: Airlines sometimes mishandle baggage, and the last thing you want is to be without your essentials in an unfamiliar place. Travel insurance offers to cover the cost of replacing necessary items, allowing you to continue.  

Lost or Stolen Luggage: India's bustling cities and crowded tourist attractions can increase the risk of theft or loss of belongings. Having coverage for lost or stolen luggage may offer financial assistance for replacing essential items.

In general, travel insurance costs about 3 – 10% of your total prepaid and non-refundable trip expenses. The cost of travel insurance depends on two factors for AXA Travel Protection plans:  

Total Trip cost: The total amount of non-prepaid and non-refundable costs you have already paid for your upcoming trip. This includes prepaid excursions, plane tickets, cruise costs, etc.

Age: L ike any other insurance type, the correlation is rooted in increased health risks associated with older individuals. It's important to note that this doesn't make travel insurance unattainable for older individuals.  

With AXA Travel Protection, travelers to India will be offered three tiers of insurance: Silver ,  Gold , and  Platinum . Each provides varying levels of coverage to cater to individual's preferences and travel needs.  

AXA presents travelers with three travel plans – the Silver Plan ,  Gold Plan , and  Platinum Plan , each offering different levels of coverage to suit individual needs. Given that Indian hospitals often do not accept U.S. health insurance or Medicare, we genuinely recommend travelers to consider purchasing any of these plans, particularly for the crucial coverage they offer for emergency accident and sickness medical expenses.  

The Platinum Plan is your go-to choice if you're looking for extra coverage for India’s experience. "Cancel for Any Reason" offers greater flexibility for those unexpected twists in your travel plans and the "Rental Car (Collision Damage Waiver)" offers assistance when you're out exploring India's stunning landscapes in a rental car.  

What types of medical coverage do AXA Travel Protection plans offer?

AXA covers three types of medical expenses:

Emergency medical: Can cover unexpected events like broken bones, burns, sudden illnesses, and allergic reactions that require immediate medical attention.

Emergency evacuation and repatriation: Can cover your immediate transportation home in the event of an accidental injury or illness.

Non-medical emergency evacuation and repatriation: Can cover evacuation assistance when you must leave a place urgently due to non-medical reasons, such as natural disasters or civil unrest.  

No. Travelers entering India do not need to undergo COVID-19 testing or show proof of vaccination.  

Traveling with pre-existing Medical Conditions?

Traveling with preexisting medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip. Our Gold and  Platinum Plans  offer coverage for preexisting medical conditions. The Platinum plan is our highest-offered choice for travelers who want our highest coverage limits and optional add-ons,

What does this mean for you? If you've got a medical condition that's been hanging around, you can qualify for coverage under our Gold Plan , and  Platinum Plan with a preexisting medical condition, so long as it’s within 14 days of placing your initial trip deposit and in our 60 day look back period. We're here to make sure you travel with ease, no matter your health situation.

1.Can you buy travel insurance after booking a flight?

You can buy travel insurance even after your flight is booked.  

2.When should I buy Travel Insurance to India?

It's advisable to purchase travel insurance for your trip as soon as you have made your initial trip deposit (prepaid and non-refundable trip costs.) AXA Travel Protection offers coverage as soon as you purchase your protection plan. We can give coverage against unforeseen events before you leave for your trip. Additionally, our policies offer coverage for preexisting medical conditions and Cancel for Any Reason if you purchase your protection within 14-days of making your initial trip deposit.  

3.Do Americans need travel insurance in India?

While travel insurance isn't required for US citizens visiting India, it's strongly advised. Having travel insurance for your trip to India ensures you're well-covered for any unexpected travel or health emergencies that may arise.  

4.What is needed to visit India from the USA?

U.S. citizens must have a valid passport and either a valid Indian visa or an Overseas Citizen of India (OCI) card to enter or leave India. If visiting as tourists for less than 60 days, U.S. citizens can apply for an eVisa at least four days before arrival.  

5.What happens if a tourist gets sick in India?

If you become sick in India, travelers with AXA Travel Protection can contact the AXA Assistance hotline 855-327-1442. Contact information is typically provided within the insurance documentation. Please ensure to read through your policy details and information.

Disclaimer: It is important to note that Destination articles are for editorial purposes only and are not intended to replace the advice of a qualified professional. Specifics of travel coverage for your destination will depend on the plan selected, the date of purchase, and the state of residency. Customers are advised to carefully review the terms and conditions of their policy. Contact AXA Travel Insurance if you have any questions.  AXA Assistance USA, Inc.© 2023 All Rights Reserved.  

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Trip Cancellation

Coverage for financial loss incurred due to cancellation of trip before its onset

Emergency in-patient Medical treatment

Covered up to sum snsured

Destination Specific Plans

Separate plans for Asia Pacific region, Europe, USA & Canada and worldwide

Hospital daily cash allowance

Up to $50/day

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TravelAssure Policy Wordings

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TravelAssure Claim Form

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TravelAssure Application Form

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What is Travel Insurance?

Travel insurance is a type of insurance that is custom-made for people going on domestic and international travels. It addresses the various risks that one may face during travels, including hospitalisation, medical expenses, loss of luggage or documents, cancellation or disruption of flights, and various other costs. Travel insurance covers you from the date of departure till your arrival back at the place of origin. For frequent fliers, a travel plan that remains effective for a certain period is more suitable as it covers multiple travels during the policy period.

How to Buy Travel Insurance Plan?

You can buy a travel insurance policy online or by visiting the insurer’s office. While applying online, you need to fill in the basic details like dates of travel, traveler details, coverage required, etc. Then you receive the quote, based on which you can select the travel insurance policy that suits your requirement. There are different types of travel plans customized for different travel needs. These include corporate, single, family, senior citizen, or student travel plans. You can purchase a travel plan that suits you the best. You can also buy travel insurance plans from insurance brokers and agents. However, ensure that they are licensed by the Insurance Regulatory and Development Authority of India. It is worth noting that you may be eligible for discounts if you buy a travel insurance plan online directly from the insurer.

Why choose Niva Bupa Travel Insurance Policy?

Niva Bupa is one of the leading insurance providers in India, offering unique and comprehensive policies which cover the diverse needs of Indian travellers. With coverage for dozens of risks, Niva Bupa’s policies offer cashless claims for medical expenses and compensation for other covered incidents. With an expanding list of covered destinations, Niva Bupa ensures that your travels are safeguarded wherever you go. So buy travel insurance online from Niva Bupa and get the best coverage against numerous risks.

When to Buy Travel Insurance?

If you plan to embark on multiple trips, you should buy a travel plan in advance to cover all the upcoming trips. Even in the case of a single trip, buying a travel plan in advance is advisable. Typically, it could be on the date of booking the tickets or a few days after that. You can also buy travel plans at the last minute. But you may miss out on crucial coverages. For instance, travel insurance offers cancellation coverage. But you will miss out on the same if the cancellation happens before the policy start date. In other words, buy your travel insurance well in advance to avail all benefits.

Why Buy Travel Insurance Policy?

Some of the common reasons that make a travel insurance important are:

• People are more prone to medical problems in a foreign land, be it within India or overseas, due to changes in food habits and environmental reasons.
• Travel insurance helps tackle such circumstances with ease.It protects in case of baggage losses at airports and theft or travel scams in many tourist destinations.
• Travel insurance protects the policyholder in the event of flight delay or cancellation. It protects you in the event of natural calamities, man-made disasters, flight hijacking, etc. Student travelers can also opt for study interruption coverage in their travel plans.
• Travel insurance may cover fatalities and repatriation of mortal remains.
• Travel insurance is a mandatory requirement in more than 30 countries. It is a prerequisite for visa processing while travelling to these countries.

Who Should Buy a Travel Insurance Plan?

While it is mandatory to have travel insurance before visiting certain countries, people travelling to any country, in general, should buy a travel insurance plan. Along with, it is advisable for the following travelers to buy a travel insurance plan: Individual travelers and families Senior citizens - because of their higher medical susceptibility Corporate travelers can cover their travel risks while travelling on behalf of their organization Students can buy student-specific travel plans with longer validity People travelling in groups can insist on the purchase of travel insurance by their tour organizer Domestic travelers can buy travel plans designed to cover travel risks within the country

What’s Covered Under Niva Bupa's Travel Insurance?

Niva Bupa offers extensive coverage, protecting travellers from various risks they might be exposed to while travelling.

• Delay or loss of checked-in baggage This travel insurance coverage offers reimbursement for significant delay or loss of checked-in baggage.
• Missed connecting flight This coverage under travel insurance reimburses you for the extra accommodation and travel costs to reach the next destination if you miss a pre-booked connecting flight due to a late primary flight.
• Loss of Passport This coverage reimburses you for the cost of applying for a new passport if the original is lost.
• Dental Treatment This travel insurance coverage reimburses pain-relieving dental treatment under anaesthesia. However, this coverage is only applicable in cases of emergency, such as accidents and sudden acute pain.
• Trip delay, cancellation, interruption These three separate coverages offer reimbursement for part of the travel and accommodation costs if your travel is delayed, cancelled, or interrupted due to certain conditions mentioned in the policy document.
• Medical emergency (hospitalisation): This travel insurance coverage offers cashless claims and reimbursement for the cost of medical treatment.
• Emergency outpatient treatment This travel insurance covers and reimburses any emergency treatment under OPD
• Medical evacuation This coverage offers cashless claims and reimburses the cost of transferring patients from one hospital to another if the primary hospital does not provide appropriate care
• Emergency trip extension If the trip is extended due to certain exceptional circumstances, this coverage offers an extension of the policy up to $20,000
• Personal accident This coverage offers a payout of up to the benefit limit as per the selected plan for accidental death or disability.
• Repatriation of mortal remains This coverage reimburses you for the cost of transporting the mortal remains of the traveller or the cost of cremation in the city/country of death.

Niva Bupa offers these coverages bundled in curated plans for each country, offering specific coverage options. When considering these plans, remember that some covers may require specific criteria to claim them, so it is advised to properly read the policy document to understand whether you fulfil these criteria.

What’s Not Covered Under Niva Bupa's Travel Insurance?

Exclusions are specific risks and activities that an insurance provider does not cover. If a policyholder incurs a loss due to participating in such activities, their claim might be rejected. These exclusions are clearly stated under the travel insurance policy document and thus need to be considered when purchasing a policy. By considering these exclusions, travellers can accurately plan their journeys and take adequate measures to protect themselves from these risks. Here is a list of activities and risks which Niva Bupa does not cover.

• These include treatment for any injury or illness resulting from nuclear or radiological emissions, war or rebellion, and specific acts of terrorism.
• Active participation in military exercises, war games, or engagement with the enemy.
• Any loss or injury due to committing or attempting to breach the law with criminal intent
• Expenses for cosmetic or plastic surgery or any treatment to change appearance, including obesity or weight control programs. Unless in certain circumstances as listed in the policy document
• Maternity expenses
• Non-prescription or unproven drugs or treatments
• The provision of fitting of hearing aids, spectacles or contact lenses, including optometric therapy, any treatment, and associated expenses for alopecia, baldness, wigs, or toupees, medical supplies including elastic stockings, diabetic test strips, and similar products.
• If the insured person is travelling against the advice of a Doctor or is receiving or on a waiting list for specified medical treatment
• Death, injury, medical condition, or disability resulting from suicide or attempted suicide, self-inflicted wound or illness, consumption of alcohol or drugs, and depression.
• Countries with travel restrictions for Indians.
• Medical Tourism
• Damages due to adventure sports unless part of coverage
• Expenses related to any admission specifically for diagnostics and evaluation purposes that are not related or incidental to the current diagnosis and treatment.

However, remember that this list is just a summary of the exclusions, and the policyholder needs to refer to the policy document for the complete list. It is always vital to check the policy document before participating in an activity that can result in financial loss or harm policyholders’ well-being.

Features of Travel Insurance in India

The following are some of the features of Niva Bupa Travel Insurance:

• Extensive coverage- Plans under travel insurance cover a diverse range of risks. These risks include trip delay, interruption, cancellation, loss of checked-in baggage, medical emergencies, personal accidents, medical evacuation, etc
• Pre-existing disease coverage- Niva Bupa offers 100% pre-existing disease coverage for student travellers as an add-on, allowing them to study with peace of mind. Travellers with single-trip travel insurance policies are also covered for pre-existing diseases up to 5% of the total sum assured, up to a maximum of US $2500.
• No pre-policy check-up- Plans offered under TravelAssure require no pre-policy check-up, offering convenience and peace of mind.
• Simple and intuitive purchase process- Niva Bupa offers a simple and intuitive way to purchase policies directly from our website.
• Sum assured- Niva Bupa offers a total claim limit of up to US $500,000 for single-trip policies and student travel policies.
• COVID-19 coverage- TravelAssure plan comes with coverage against hospitalisation expenses resulting from COVID-19.
• Hassle-free claims process- Niva Bupa offers cashless claims for medical expenses and compensation for loss borne due to other covered risks.

Get the most value from TravelAssure

Extension of the Policy Period for a Single Trip Policy

In order to extend the policy, policyholders can apply for an extension by contacting Niva Bupa’s customer care center or online by paying their premium and submitting all the required documents. This must be done before the policy expires. Once our team has verified the information, they will grant permission for an extension. Customers can also extend the geographical coverage of their policy by paying an extra premium.

Contact Details for extending coverage

Niva Bupa Health Insurance Contact No: 1860-500-8888; Fax No.: 011-41743397 Customer Service Portal - Insta Assist (https://rules.nivabupa.com/customer-service/)

Types of Travel Insurance Plans in India

There are various types of travel insurance plans offered by insurers in India:

• Basic Travel Policy: These plans cover basic travel risks that most insurers provide. The premium amount is comparatively low due to the limited coverage.
• Comprehensive Travel Policy: Comprehensive plans offer a host of optional covers, like medical expenses or repatriation of mortal remains, many insurers may not provide. etc. Notably, Niva Bupa Travel Insurance offers over 40 travel-related covers, including the ones mentioned above.
• Single Trip: One-time travelers can buy this policy before or after booking their tickets. This policy remains applicable for the duration of that trip.
• Multi-trip: If the policy buyer has several trips planned for the year, they can opt for a multi-trip policy that offers coverage for a specific period instead of the trip duration. Frequent fliers opt for this plan to avoid buying plans repeatedly.
• Student: Students can buy a travel plan that offers coverage for the study duration. Covers like sponsor protection and study interruption can be opted for to make the plan more student-friendly.
• Policy buyers can opt for a single, family, group, or any other plan as per their requirements.

How to Claim Niva Bupa Travel Insurance

When faced with unexpected travel expenses due to emergencies, travellers need to get a simple and hassle-free claim experience. By following the given steps, travellers can request a claim with Niva Bupa:

• To file a travel insurance claim, you first need to contact your insurer, Niva Bupa.
• You may also contact the global third-party administrator if you are travelling overseas.
• No requirement for pre-policy medical check-ups.
• You can raise a claim for travel insurance online, through mail, or even physically. You can do so both while overseas or when you return to India.
• You must submit a duly filled claim form along with the required documents based on the type of claim—for example, loss of baggage, trip cancellation, medical emergency, or death.

Besides this, one can make two types of claims in the case of a medical emergency.

Niva Bupa is partnered with Europ Assistance, a global third-party administrator, to provide cashless claims to hospitals and healthcare centres worldwide.

• The customer intimates the claim to Europ Assistance via a toll-free number or email.
• The TPA - Europ Assistance will contact the customer and provide them with the required travel insurance details.
• Europ Assistance will then initiate the GOP (Guarantee of payment) process with the hospital where the customer will receive treatment.
• Europ Assistance will ask for the documents from the hospital or the customer and, after assessing the claim, will send them to Niva Bupa for approval/rejection/query/investigation.
• Our medical team will approve the claim by e-mail.
• The GOP will be released to the hospital as per the amount claimed.
• The hospital will contact the Europ Assistance team if any additional amount is required.
• At discharge, documents will be sent to Europ assistance and approved accordingly.
• After discharge, the hospital will send the documents to Europe Assistance for settlement to the hospital.
• 1. Claim form
• 3. Cancelled cheque of the proposer
• 4. Discharge summary
• 5. Final bill along with break up
• 6. Payment receipt
• 7. All investigation reports

Eligibility Criteria for Travel Insurance

The various eligibility criteria for Niva Bupa Health Insurance's TravelAssure plan include:

• Adults should be between the age of 18 and 70
• Dependent children can be up to the age of 25
• Travelers must possess and furnish mandatory documents like copies of passport, visa, income proof, and other relevant papers

Considerations Before Buying Travel Insurance Policy

Some of the factors that you need to consider before buying a travel insurance policy are:

• Duration: If you are planning to travel again, it is advisable to opt for a long duration multi-trip travel insurance plan. If your single trip is for a longer duration, the premium will be higher, so plan your trip accordingly.
• Nature of the Trip: Choose the plan as per the nature of your trip. Someone planning to do sky diving would have different optional covers compared to someone travelling to attend business meetings.
• Sum Assured: Estimate your travel risk and finalize your sum assured accordingly. The higher the sum assured, the higher will be the premium.
• Optional Covers: Go through the list of covers available and select judiciously. Selecting unnecessary covers will only escalate the premium.
• Exclusions: There may be specified circumstances or conditions where the travel insurance is not applicable. Always familiarize yourself with the exclusions before buying the travel plan.

COVID-19 Coverage

Due to the global scale of the COVID-19 pandemic, most leading insurance companies offer COVID-19 specific coverages in their travel plans. Niva Bupa TravelAssure provides COVID-19 hospitalisation coverage up to the sum assured. Accordingly, if you are infected or test positive for COVID-19 during your overseas stay, the travel insurance plan will bear the cost of your treatment and hospitalisation. In almost all countries, a COVID-19 infection leads to the applicability of strict isolation rules and gets addressed as per their SOP when detected. Therefore, adequate COVID-19 coverage can be handy in times of need.

Frequently Asked Questions

Does the niva bupa travel insurance policy have a free-look period, how does the claim process for niva bupa travel insurance work, when, where, and how to choose travel insurance plan, how to claim travel insurance, how to file for a claim for international travel insurance, how to calculate travel insurance premium, how to compare travel insurance premium, countries where travel insurance is necessary/mandatory, is it mandatory to buy travel insurance for visa, is a medical check-up necessary before buying this policy, how to extend international travel insurance policy, can you buy travel insurance after booking your trip, does travelassure plan provide coverage against covid 19, can i file a claim after getting back to india, can i buy insurance if i am going on a work permit abroad, is there any tax benfit that one can avail while purchasing travel insurance, what are the age criteria for which you issue a travel insurance policy online in india.

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Travel Medical Insurance

Travel Medical Insurance, more commonly known as travel health insurance, is meant to protect the policyholder when they are travelling abroad for any purpose. Travel health insurance is useful not only for medical emergencies where one may have to get medical help or be hospitalised but also during emergency evacuations or withdrawals overseas. Globally, travel medical insurance is also known as worldwide medical insurance, international medical insurance, or international travel insurance.

What is Travel Medical Insurance

Medical contingencies are never pleasant, no matter where you are. But when you are travelling, any emergency that calls for medical attention or hospitalisation can be even more stressful than at home. This is where medical travel insurance plays an important role in protecting you against any medical emergencies when you are travelling.

Medical travel insurance is a type of travel insurance policy that provides coverage to you in case you are hospitalised due to an illness or accident while on a trip. Without this insurance policy, the medical expenses abroad can be quite high. In such a situation, travel health insurance is a useful plan that provides financial coverage and the ease of availing of medical services during your travels.

You need not necessarily be on a business trip to have medical travel insurance; you should have this cover even if you are on vacation. The policy is meant to make medical services easily available to you without the stress of extensive medical bills in case of an accidental injury or illness during your travels.

Why Do You Need Travel Health Insurance?

Travelling abroad can often be a huge expense in itself, but you may not be able to avoid going on the trip. During your trip, any additional expenses can be a huge financial burden. Hence, here are some crucial scenarios that explain why you need travel health insurance when travelling abroad:

Coverage for illness and sickness : If and when you are diagnosed with a COVID-19 infection during the course of your trip and need to be hospitalised, the medical expenses incurred by you will be covered under the accident and sickness medical coverage feature. Apart from that, if you fall sick, face a medical emergency or meet with an accident that needs you to be hospitalised, these expenses will also be covered. Moreover, if the policy expires during your stay in the hospital, you will be covered until the next 60 days or till the time you are discharged, whichever is sooner.

If you lose your passport or baggage : Losing your baggage or misplacing your passport during a trip is not unheard of. However, travel health insurance can help ease out the mental stress and the financial loss in such a situation. In case of a lost passport, the insurance coverage will compensate the cost for a duplicate or new passport, while some important personal items from your lost baggage can be reimbursed monetarily.

Emergency medical evacuation : Travel insurance can be beneficial if you need to be moved to a hospital when travelling abroad. Not just that, if you need to come back to India for further medical treatment, this too can be covered by your travel health insurance.

Cancellation or delay of flight : A delay or cancellation of your flight can be due to bad weather, some problems with the airline, or any other unforeseen reason. Your travel health insurance policy will reimburse these losses. Also, if you have to cancel your flight due to a family emergency, the cost of the ticket and accommodation booked in advance will be reimbursed by the coverage.

Features of International Travel Health Insurance in India

Travel health insurance plans are very flexible and offer extensive coverage as per your needs. Below are a few salient features that are found in travel health insurance plans in India:

Access to cashless hospitalisation facility : If you are protected by travel health insurance in India and face a medical emergency due to which you need to be hospitalised, you do not have to worry about paying for the expenses from your own pocket. The insurance plan will provide a cashless hospitalisation facility, wherein the medical expenses will be settled by the insurance cover directly with the hospital.

Available for occasional or frequent travellers : A lot of travel health insurance plans can be customised to meet the needs of occasional and frequent travellers alike. Tata AIG’s domestic travel insurance policies are flexible and provide coverage for single trips for occasional travellers as well as multiple trips for regular travellers.

All-day medical assistance : Irrespective of where you are travelling, the insurance policy ensures that you can be covered for 24/7 medical assistance in case such a medical emergency arises.

Types of International Medical Travel Insurance

Travel health insurance can vary according to your needs and your duration of travel. Hence, you can choose from the two types of travel health insurance plans so that you receive adequate coverage on your trip!

Single Trip Travel Health Insurance : If you are making a single trip to another country and need insurance cover for only that trip, then it is referred to as a single trip travel health insurance. The coverage of this type of insurance starts with the trip and ends once you come home.

Multi-trip Travel Health Insurance : A multi-trip travel health insurance is a policy that is generally taken for a year and provides insurance for multiple trips. However, there is a limit on the number of days for each of the trips and can go up to 30 or 45 days.

Family Travel Health Insurance : Our family travel health insurance covers up to 6 family members per policy. Whether you choose a domestic travel insurance policy or an international travel insurance policy, you and your family can be covered under the same plan.

Student Travel Health Insurance : Students travelling abroad for further education can look at Tata AIG's Student Travel Insurance policy. Apart from medical emergencies and illnesses leading to hospitalisation, this plan also covers tuition fees in case of medical emergencies as well as compassionate visits from family members.

Senior Citizen Health Insurance : A senior citizen travel health insurance plan is designed to look after the needs of senior citizens who are travelling abroad. Not only do these policies cover emergency medical expenses, but they also cover emergency medical evacuation and repatriation of remains. For more information, Check Tata AIG's Senior Travel Insurance Plan

Why Choose Tata AIG Travel Medical Insurance?

Tata AIG’s travel health insurance plans are made to offer adequate coverage and convenience when you are on your travels:

Coverage for COVID-19 : If you are travelling abroad and are diagnosed with COVID 19 during your trip, resulting in hospitalisation, the medical expenses will be covered as per the amount in the policy. The policy also reimburses the bookings or tickets unused due to the cancellation or interruption of your trip. Lastly, if an emergency COVID-19 lockdown is imposed in the other country and you are unable to access any transport for your return, your travel health insurance is automatically extended for another 7 days.

Personal accident cover in case of death/permanent disability during the time of travel : If you are injured as a result of an accident during your travels, our travel and medical insurance policy will cover the expenses of personal injuries as well as medical expenses arising out of the injuries. The policy also covers disablement or even death as a result of these accidental injuries.

Affordable international coverage : Our international travel health insurance plans provide coverage against medical emergencies and more for a premium of as much as ₹40.82 per day. Quick and easy policy purchase: You can easily buy a Tata AIG travel medical insurance plan online in a few easy steps. Avoid the hassle of a medical check-up or present loads of paperwork to get insurance coverage during your travels!

Coverage of Travel Health Insurance

An international travel health insurance policy provides coverage to you in the following situations

Medical Illness Treatment : Our travel insurance covers emergency medical expenses. In case of sickness or a contingency that requires hospitalisation, medical attention, or treatment, you will be protected against the losses.

Accidental Death and Dismemberment : Our travel medical insurance plans also offer coverage for situations where you may be affected by injuries while abroad. These injuries or even your death could be a result of a personal accident or if you’re travelling by a mode of transport that meets with an accident.

Emergency Dental Treatment : If you suffer from a dental emergency while on a trip, the treatment is covered under the travel health insurance policy.

Delay or Loss of Check-in Luggage : Your insurance policy will cover the loss of baggage, caused either due to theft, displacement by the mode of transport, or the non-delivery at the destination.

Flight Delays : Any expenses that you may have to incur due to the flight’s delay of more than 12 hours will be compensated by the policy.

Personal Liability : If there is a damage claim legally filed against you by another party for damage to their property or any medical expenses due to accidental bodily injuries, then the travel medical insurance policy can cover these losses.

Exclusion of Travel Health Insurance

When you purchase medical travel insurance online, be sure to read the list of exclusions so that you are not stranded in a difficult situation while travelling:

Travelling against medical counsel : If you travel abroad against the advice of your doctor or before the prescribed waiting period is over, the insurance policy cannot cover the medical emergency arising out of this situation.

Pre-existing illnesses : Any complications arising out of a pre-existing medical condition cannot be covered by the travel health insurance policy. However, in case of a life threatening situation arising from a pre-existing condition, the travel health insurance coverage is capped at $1500.

Consumption of intoxicants : If you face a medical emergency due to the consumption of intoxicants or medication that is not prescribed by a physician, then the insurance policy cannot protect you during this emergency.

War or Civil Unrest : The travel insurance plan cannot protect you from losses arising out of wars, civil unrest, invasion, and other such hostilities.

Sexually Transmitted Diseases : Our travel health insurance policies do not cover Sexually Transmitted Diseases such as HIV/AIDS.

Injuries from intentional self-harm : Any attempt at self-harm leading to injuries cannot be under travel medical insurance.

Alternative treatments : If you choose to get treatment through Ayurveda, Unani or other alternative treatments, then the insurance policy cannot cover these costs.

Adventure sports : Your travel health insurance may not cover accidents or injuries that have occurred due to an attempt at extreme or dangerous adventure sports.

Mental illnesses : Any therapy or treatment for a mental illness such as depression, anxiety, etc., during the trip cannot be covered under the policy.

Overseas Travel Medical Insurance Coverage for Coronavirus (COVID-19)

Tata AIG’s international travel plans offer COVID 19 coverage, which can protect you in the following scenarios:

Medical Expenses due to Accidents & Sickness : You can be easily covered for COVID 19 emergencies under our international travel medical insurance plans. If you are affected by COVID 19 during a trip outside the country and need to be hospitalised for the same, the medical expenses will be covered under the plan. However, there is a limit on the amount for the coverage in the policy.

Trip Cancellation Coverage : If you are covered by a group travel medical insurance, and in case your trip or that of your travel companion or an immediate family member has to be cancelled before commencement due to a COVID-19 infection, the coverage reimburses the non-refundable and the unused amount of the hotel bookings, tickets, etc. But do note that these expenses will only be reimbursed if the bookings were made prior to being diagnosed with COVID-19.

Trip Curtailment/Interruption Benefits : If you have a group travel medical insurance and you, your family, or your travel companion are diagnosed with a COVID 19 infection due to which the trip has to be curtailed or cut short, the insurance cover will reimburse the remaining expenses of the unused bookings and tickets. Even the non-refundable expenses, additional travel, and accommodation will be reimbursed due to curtailment of the trip but is subject to the policy’s sum insured limit.

Automatic Extension Benefit : If you are covered by our international travel medical insurance, then in case of a lockdown in the other country and due to the non-availability of an alternate mode of transport, your policy will be automatically extended by 7 days. However, it is important to understand any terms and conditions under which this feature can come into effect.

Eligibility Criteria for Travel Medical Insurance Policy in India

Depending on the travel policy you choose, you will need to meet certain eligibility criteria to be able to avail of the policy:

In the case of a student travel insurance policy, you will have to be a student between the age of 16 - 35 years, travelling abroad for higher education.

International as well as domestic travel insurance plans are quite flexible and can cover up to 6 family members, including you. The age limit for a family member starts from 6 months of age with no upper age limit.

If you are travelling with non-family members or friends, each person will have to have individual travel insurance.

A senior citizen travel insurance policy is applicable for senior citizens starting from 71 years of age with no upper age limit. There are no restrictions such as medical tests or pre-existing conditions.

Disclaimer / TnC

Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.

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Tata AIG’s travel health insurance covers emergencies such as sickness and accidents, medical travel assistance or monetary support in case of loss of passport, loss or delay of baggage, personal liability where another individual is hurt and needs medical attention, a hijack cover with a distress allowance, extension of insurance cover.

2. What is the cheapest travel health insurance?

It is important to choose travel health insurance with adequate coverage instead of going for cheap rates resulting in low coverage. With the help of Tata AIG’s international travel insurance calculator, you can get a suitable plan which also provides a COVID-19 cover. The insurance coverage rates are as reasonable as ₹40.82/- per day for international insurance policies and ₹26 for our domestic insurance policies.

3. Which insurance is best for travel?

This will depend if you are travelling within the country, going abroad, travelling solo or with your family. Accordingly, you can choose a domestic or international travel insurance plan. At Tata AIG, we offer different travel insurance plans, such as –

• Domestic Travel Insurance
• International Travel Insurance
• Student Travel Insurance
• Senior Citizen Travel Insurance

Each of these travel insurance plans offers different types of coverage in terms of medical, travel, and baggage emergencies. You can visit our website to easily compare and choose the type of insurance you are looking for.

4. Can you buy just medical travel insurance?

Yes, you can buy only medical travel insurance when you are travelling abroad and want to be protected against medical emergencies. However, a lot of travel health insurance plans also offer protection against other emergencies such as loss of passport or loss or delay of baggage, etc. Therefore, you can also choose from such travel medical insurance policies, which provide more extensive coverage.

5. Does travel insurance cover Covid 19?

Yes, Tata AIG’s travel insurance plans cover COVID-19. However, this benefit is applicable only for international travel.

6. Does family travel insurance cover individuals?

Our travel insurance plans are easily customisable, and you can choose how many family members you would like to include under one plan. If you are travelling on your own, then you can get an affordable travel insurance plan for yourself, at a premium rate of ₹40.82 per day!

7. How much does a travel medical insurance cost?

The cost of your travel medical insurance will depend on factors such as –

• The purpose of your travel
• The type of coverage, etc.

When you buy travel medical insurance from Tata AIG, you can choose from different plans and the extent of coverage. Our travel insurance plans are affordable and start at an affordable premium rate of ₹40.82 per day for our international policies and ₹26 per day for our domestic policies.

8. Which travel health insurance is best for a family?

Tata AIG travel health insurance plans are not only affordable but also easily customisable. When you use our travel insurance calculator, you can choose any of our travel plans, add family members to the plan and ensure adequate coverage for all of them. However, our travel insurance plans offer COVID - 19 coverage only for international travel.

9. Can students take travel insurance?

Yes, we offer student travel insurance plans that cover students between the ages of 16 and 35 years and are affordable and easily customisable. Additionally, if you are unable to complete a semester abroad due to a medical emergency, the travel insurance plan will cover your tuition fees. Also, in case of a medical emergency, you can visit/be visited by your loved ones so that you do not have to be alone in sickness.

10. Which health insurance is best for international students?

As an international student, you should get our student travel insurance plan. Our student travel insurance has been designed, keeping in mind the unique educational needs of students. Our international student travel insurance not only covers COVID-19 and other medical emergencies and loss of luggage but also reimburses tuition fees in case you are compelled to leave your academics or take a long break due to a medical emergency. Additionally, you can customise the plan to cover only the days you are outside the country and not when you are in India.

11. Is travel insurance mandatory for students?

While student travel insurance is not a mandatory cover, it is always advisable and essential to have insurance coverage while travelling abroad for higher education. Having student travel insurance can save you from a lot of hassles in case of a medical emergency such as an accident or an illness. Moreover, apart from the medical emergency coverage, student travel insurance plans also cover loss of passport or baggage to ensure that you do not have to face any inconveniences while travelling for your education. Hence, irrespective of whether it is mandatory or not, you can buy a suitable student insurance plan from Tata AIG and secure yourself!

12. Can I buy travel medical insurance with a pre-existing condition?

Our travel insurance plans only make an exception for pre-existing conditions when it comes to senior citizen travel insurance plans. However, student travel insurance, domestic travel insurance, and international travel insurance do not cover pre-existing conditions.

13. Can I get travel insurance for a one-way trip?

Yes, you can get travel insurance for a one-way trip. However, your plan will have to be customised to provide coverage for the number of days you live outside the city or the country.

14. When should I start my single trip travel insurance?

You can start your single trip travel insurance a day before your trip. By using our travel insurance calculator, you can easily choose the start and the end date of your travel insurance. And if your trip is extended due to an unforeseen reason, we enable an automatic extension of 60 days so that you can enjoy the insurance coverage on your trip.

15. Should you get a single trip or annual travel insurance?

Getting a single trip or annual travel insurance will depend on your frequency of travel. If you are going on a single trip and will not be travelling again for a while, a single trip travel insurance is a good idea. However, annual travel insurance is ideal if you go on frequent tours and trips. With our travel insurance plans starting at ₹40.82 per day for our international policies and ₹26 per day for our domestic policies, you can choose really affordable insurance coverage for yourself.

16. Is travel insurance and health insurance the same?

No, travel insurance is meant to protect you against a series of situations and emergencies that includes but is not limited to medical emergencies while travelling to another city or country, whereas health insurance specifically provides coverage against medical emergencies and the resultant expenses within one’s own country.

17. Can I claim multiple travel insurance?

You can have one travel insurance for every trip you make. Therefore, you cannot file multiple travel insurance claims together.

18. Do Multi-trip travel insurance plans cover Covid?

Yes, all our international travel insurance plans offer COVID - 19 cover, be it single-trip insurance or multi-trip insurance.

19. Am I required to undergo any medical examination prior to buying a plan?

No, our travel insurance plans do not call for a mandatory medical examination before the purchase of the plan. You can instantly avail of insurance coverage and buy a suitable travel insurance plan for yourself. However, only our senior citizen travel insurance plans cover pre-existing illnesses.

20. Can I buy travel medical insurance for my aged parents?

Yes, we offer senior citizen travel insurance plans that are specifically designed for senior citizens and their needs. Our plans also cover pre-existing illnesses and so, you need not worry about insurance coverage being rejected in such a case. You can use the senior citizens’ travel insurance calculator on the Tata AIG website to choose the appropriate coverage for your parents.

BEWARE OF SPURIOUS PHONE CALLS AND FICTIOUS / FRADULENT OFFERS IRDAI or its officials do not involve in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint. Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure / policy wording carefully before concluding a sale. Trade logo displayed above belongs to TATA Sons Private Limited and AIG and used by TATA AIG General Insurance Company Limited under License. 2008, TATA AIG General Insurance Company Limited, all rights reserved. Registered Office : Peninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India. CIN: U85110MH2000PLC128425. IRDA of India Regn. No. 108. Toll Free Number : 1800 266 7780 / 1800 22 9966 (only for senior citizen policy holders). Email Id – [email protected] . Category of Certificate of Registration: General Insurance.

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India’s medical tourism boom: Why foreigners are choosing India for wellness and healthcare

India is witnessing a surge in medical tourism. here's why india is the go-to destination for foreigners seeking dental wellness, ivf and mental health care.

Over the past decade, India has positioned itself as a provider of high-quality medical services at affordable costs, attracting medical tourists from around the world. According to data released by the credit rating agency Crisil, the number of medical tourists visiting India is projected to reach approximately 7.3 million in 2024, up from an estimated 6.1 million in 2023.

India’s Medical Value Travel

World-class amenities, a pool of skilled and well-trained medical experts and cost-effective treatment alternatives make India an appealing destination for those seeking high-quality healthcare services . India has become a popular choice for ‘medical value travel ’ in recent times.

Here’s Why India is the Go-To Destination for Health

In an interview with HT Lifestyle, Dr Kamlesh Kothari, Dental Implant Specialist, Cosmetic Dentist, Maxillofacial Surgeon, Founder and Clinical Director of Aesthetica in Kolkata, shared, “The practice of travelling to India from another country to receive dental care has been on the rise in India for several reasons, like cost effectiveness being affordable compared to many western countries with highly qualified surgeons and hospitals equipped with modern facilities and technologies. Overall, the arrangement of affordable yet high-quality dental care, a wide range of services, minimal waiting times, and the opportunity for tourism makes India an appealing destination for foreigners seeking dental treatment.”

Dr Rajeev Agarwal, an IVF specialist at Renew Healthcare in Kolkata, revealed, “India has emerged as a preferred destination for foreign patients seeking affordable and high-quality medical treatments. Thousands of foreign nationals visit India annually for various procedures, attracted by the country's advanced healthcare infrastructure, skilled medical professionals and cost-effective services. The rise in medical tourism can be attributed to factors like India's competitive pricing compared to Western countries, the availability of advanced treatments, and the country's diverse cultural and touristic appeal. Kolkata, in particular, has seen a growing trend in the IVF landscape, with several state-of-the-art fertility clinics offering comprehensive services to both domestic and international patients. Our medical facilities are undoubtedly the best but we also add the personal touch which the western world lacks.”

Not only doctors, foreigners are also seeking affordable psychological and psychotherapeutic consultations in India. Mansi Poddar, a trauma-informed Psychotherapist gushed, “Medical tourism including mental health services are relatively cheaper and more easily accessible in India. For example, mental health appointments are faster in India. There is no hassle around insurance/ number of sessions/documentations etc. I work with various clients abroad and they say that scheduling appointments is easier and quicker, they have access to me on a regular basis, there is no insurance limit on sessions plus they don’t have to worry about permanent documentation. Also, culturally it’s easier to see a therapist who has partly lived outside the country and in the country.”

India's Medical Tourism Revolution

Medical tourism in India is set to grow, driven by cost-effectiveness, high-quality care and the appeal of exploring India. This trend reflects India's ability to provide world-class healthcare solutions at competitive prices, attracting millions of medical tourists from around the globe.

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Why Travel Insurance Is a Must for Your Next Overseas Trip: Types, Benefits, and Key Considerations

Wondering whether to buy travel insurance or not for your overseas trip this year? While some countries make it a mandatory step while applying for your visa, others don’t. However, it is wise to make the investment to buy travel insurance, whether or not it is mandatory, as it will save you unnecessary costs and headache while you are on your trip in case anything untoward happens.

Representative Pic

Buying travel insurance, while not mandatory everywhere, is a good investment. A good travel insurance covers medical emergencies, including hospitalisation and post-hospitalisation costs, which can save you from hefty bills. It offers protection against the loss of your passport and baggage, helping you out during this stressful time.

Here are the different kinds of travel insurance offered and what they cover.

Medical Emergency or Accident-Related Insurance: In case you fall ill while travelling, or have an accident, ensuring you have medical insurance while overseas can cover the cost of hospitalisation as well as your medical bills if you fall, get sick or injured, etc. Some travel insurance policies even cover the post-hospitalisation costs up to a certain period of time. Some plans also offer a daily hospital cash allowance if you are hospitalized during your trip. This can help you take care of those extra expenses which may be related to, but do not fall under the category of, medical expenses.

Loss of Passport or Baggage : This can be a very useful insurance to buy. In case your airline messes up your baggage and it reaches a different destination, having this insurance will ensure that you have enough money to set you up for a few days while you wait for your baggage to arrive. If your checked-in baggage is misplaced by the airline, this policy would also cover the financial loss whether your baggage is lost or delayed. So you can continue with your vacation as planned without worrying about these expenses.

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Losing your passport can not only be a harrowing experience when you’re overseas, it can also be a strain on your finances to arrange for a new one. If you are insured, most travel insurance policies cover the cost of arranging a new passport, taking away the hassle and stress of doing so yourself.

Some policies also cover the cost of arranging for a duplicate international driver’s licence in case you lose it during your trip.

Trip Cancellation or Delays : In a scenario where you or someone else travelling with you suddenly falls sick before a trip and are unable to travel, this kind of insurance will reimburse you for all prepaid and non-refundable travel expenses. It might make your ticket slightly expensive, but more and more people have started considering this kind of insurance since COVID, and it can be a useful one to buy beforehand. It also covers you in case there is a death in the family, or there is a forecast of sudden weather calamity or a crisis in your destination.

On the other hand, if you have already embarked on the trip and have to cut short the trip short due to an unavoidable emergency, a trip curtailment cover will protect you against such a scenario as well.

Travel insurance policies are also extremely useful in case you have a connecting flight and you miss it due to unavoidable reasons. You will be covered for the cost of the new flight you would have to book in place of the one that you missed.

What Else to Keep in Mind

Before selecting a policy, ensure that you have read all the benefits. Do not assume all potential losses that may occur due to medical emergencies, loss of baggage or documents are covered.

Choose a reputable provider and do adequate research on how they handle policy claims through customer reviews. The effectiveness of an insurance policy is demonstrated during the claims process.

Declare any pre-existing medical conditions when purchasing the policy to avoid your claim getting invalidated.

Unexpected events like trip cancellations, medical emergencies, or lost baggage can occur at any time, leading to financial and emotional stress. With adequate coverage, you can be confident that there is financial help to handle these situations, and maintain your peace of mind.

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Going abroad to study don't forget to opt for student travel add-on to your medical insurance.

Edited By: Namit Singh Sengar

Last Updated: September 08, 2024, 16:30 IST

New Delhi, India

Student travel insurance plans bought from India are often significantly cheaper than those offered by foreign universities. (Representative image)

An unexpected medical emergency would be the last thing any student would want to come across.

By Meet Kapadia

Going abroad to study is a dream for countless Indian students. It’s a goal that requires years and years of hard work and dedication. The allure is not only of a better and world-class education. The idea of studying abroad brings with it an opportunity to experience a new culture and immerse oneself in it. It also comes with the promise of a bright career and a better quality of life in a developed country. Due to all these reasons, a large number of young Indians aspire to explore international shores for their higher education.

Also Read: Travel Insurance Is Not Just A Formality! Check Expert Tips Before Exploring The World

A testament to this fact is that there has been a huge increase in the number of Indians studying abroad — a nearly 70 per cent spike in 2022 as per the Union Education Ministry. And it is only likely to go here. More and more Indian youngsters will look to Europe, the US, Canada, Singapore, Australia and other countries in the coming years.

The cost to fund this dream

This dream of international education comes with steep costs. First, there is tuition which can cost tens of lakhs of rupees. Then there are costs of accommodation, other living expenses, and not to forget travel costs, which can be substantial. Families often exhaust their entire savings to send their children abroad. Some even borrow to help their children fulfil their dreams. And more often than not, even the students take educational loans to fund their studies.

In these circumstances, an unexpected medical emergency would be the last thing any student would want to come across. Already under tremendous financial stress due to the heavy cost of international education, such an emergency can rip their finances apart. And add to that the stress of navigating a complex and expensive healthcare system in an unfamiliar country.

The good news is that most colleges abroad understand these risks and make it mandatory for students to get medical insurance. However, most students opt for policies that are either provided by their colleges or are recommended by them. While these policies may be comprehensive, they may not be ideally suited for foreign students — Indians and others.

Why College-Provided Medical Insurance Might Fall Short

Policies provided or recommended by colleges abroad typically cover students for medical emergencies faced within the campus or the immediate surroundings. At most, they will cover the student within their country of residence. However, a student living abroad is not going to restrict himself/herself only to the campus. They are going to take this once-in-a-lifetime opportunity to explore.

During semester breaks, these students are going to explore neighbouring countries. At least once or twice during their course, they may also travel to India to see their families on important occasions like festivals, weddings in their families and so on. What happens if they face medical emergencies during these travels?

In most cases, college-provided policies do not cover the student in such situations. This will leave them in a vulnerable situation as they would have to meet the expenses out of their own pockets amid the already high expenses of their education.

A Student Travel Plan from India To Your Rescue

This is where buying Student Travel Insurance from India can come to their rescue. These are long-term travel insurance policies that are tailored to suit the unique needs of Indian students studying in another country. These insurance policies can help them fill the gaps left by their college’s insurance plan. Such a plan would not only cover them when they visit India but also during their travels to other countries on holidays. Moreover, apart from covering their health, student travel insurance plans come with other travel-related coverages as well.

For example, if they lose their baggage during their travel, or if their passport is stolen, a student travel insurance plan would cover the financial loss. Even in cases of trip cancellation, these plans can come to the rescue of the students. Many of these plans also cover compassionate visits, where a family member can travel to their country of residence in case of a critical illness. You cannot put a price on the comfort and relief of having a family member close in such a situation.

Many student-specific plans cover sponsor protection too, ensuring their education isn’t disrupted in case something happens to their sponsor.

While all that is good, students studying abroad are already under significant financial pressure. So won’t these policies cost a lot? The good news is that student travel insurance plans bought from India are often significantly cheaper than those offered by foreign universities. One can buy a decent plan by paying just one per cent of their total education cost, sometimes even less than that. And think of all the benefits we listed. It is worth it and all students must go for it.

After all, by adding this plan to your medical insurance, you can ensure that your academic journey does not get interrupted under any circumstances and your financial stability remains intact. Go for it and your future self will thank you for it.

-The author is Head of Travel Insurance, Policybazaar.com. Views expressed are personal.

• Travel Insurance