Best Travel Insurance Policies in India

No matter whether you are travelling with family, friends, or for business, you want your trip to be pleasant and memorable. The last thing you want is unforeseen circumstances beyond your control. Flight delays, terror attacks, unpredictable weather, and more can wreak havoc on your well-planned travel schedule. To ensure that you stay protected from such situations, it is recommended to insure yourself with a travel insurance policy. 

Multiple travel insurance policy providers offer a variety of permutations and combinations to secure your travel. How do you choose the best travel insurance policy available? How do you decide on which is the most suitable travel insurance provider in India? We have curated a list of some of the best travel insurance companies in India. This will give you an idea of what each insurer is offering and help you to make an informed decision.

1. HDFC  ERGO Travel Insurance

HDFC Ergo offers a wide variety of travel insurance policies like Asia, Multiple Trip, Single Trip, and Family Floater, among other policy types. They claim that their count of happy customers exceeds 70 lakh. They also claim that their settlement ratio is the highest in the market. ICRA has given them an iAAA rating, which proves why they are among the best travel insurance companies in India.

The key noteworthy features offered by HDFC Ergo include:

• Coverage of any medical expense, which you may incur while travelling. These expenses may be due to accidental injury, dental emergency, a sudden sickness, medical tests, and hospitalization expenses. 
• Personal cover in case of permanent disability or accidental death. Damage or loss incurred to any third party because of your actions is also covered by the travel insurance.
• In case your flight is delayed or cancelled before six hours of your journey, you will be compensated by the insurance company. If you submit bills, you can also be compensated for extra food and stay.
• Indemnification in case of baggage loss.
• 24 x 7 service to address your queries pre-travel and during your travel
• The policy can be issued quickly online

2. Bajaj Allianz Travel Insurance

Bajaj Allianz offers you a variety of travel insurance policies like Individual, Student Travel, Family, and Senior Citizen plans. They insure you for both domestic and international travel.

The key noteworthy features provided by Bajaj Allianz include:

• Cover for flight delays, cancellations, hospitalization costs, cancellations/delays in flight, baggage loss, and theft in your absence.
• A service that allows you automatic claim settlement if you opt for the provision. The amount is reimbursed into your bank account in case of a flight delay or cancellation.
• The claim process is fast and trouble-free.

3. Tata AIG Travel Insurance

They offer four types of travel insurance plans depending on your need, such as Travel Guard, Student Guard, Asia Travel Guard, and Domestic Travel Guard.

The key noteworthy features by offered by Tata AIG include:

• Provision for instant medical assistance required during the travel (except in case of pre-existing conditions)
• Loss of travel tickets entitles you to a pre-decided  compensation amount
• Cover for third party damages are
• Cover for accommodation expenses in case of flight delay/cancellation
• If there is emergency hospitalization, round-trip airfare for someone belonging to your  immediate family is covered
• Cash benefit, in case of hijack, if the flight is hijacked for over 24 hours
• Baggage loss is covered
• Provision of medical evacuation in case of emergency

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4. Reliance Travel Insurance

Reliance offers multiple travel insurance policies with the following main features.

• Valid in Schengen countries
• Cashless medical service in linked hospitals
• Coverage in case of baggage loss, trip delays, hospitalization, passport loss, injuries due to accidents, or hospitalization

5. Apollo Munich Travel Insurance

Apollo Munich offers you five types of travel insurance plans, which include Easy Travel – Senior Citizen Plan, Individual Plan, Family Plan, Annual Multi-Trip Plan, and Travel Insurance Plan for Students (Educare).

The key noteworthy features offered by this company include:

• You  are  reimbursed for any medical treatment and international emergency evacuation
• Reimbursement of burial/funeral function in a foreign country
• Reimbursement of daily hospitalization expenses, medical tests, and consultation charges of physicians
• Emergency cash is provided in case of a financial crisis during the trip 
• Daily allowance cover in case of a flight hijack

READ: How to Select the Best Insurance for Your Car

The above five insurers are the best travel insurance India providers. Choose an insurer who gives you what you are seeking. Trust only the best travel insurance company in India to insure your travel. What others deem as best may not be so for you. Travel insurance is an extremely subjective matter. It depends on your personal requirements, the purpose you are travelling for, and where you are travelling to, among other parameters. Carefully consider all of these factors before choosing a travel insurance provider. Travel or vacations are times to set aside your daily routine and enjoy free time with your friends and family. You do not want it to be marred by unfortunate incidents. While you cannot control such incidents, you can control how they affect you. Ensure that you go for the best travel insurance policy so that you can enjoy your vacation without any worries.

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