OVERSEAS TRAVEL INSURANCE
PTIC INDIA – Your Companion in Achieving Your Travel Aspirations! Travel insurance serves as a safeguard against various risks encountered while you’re traveling. It covers medical expenses, lost baggage, flight cancellations, and other adversities that travelers may encounter during their journeys. Typically, Overseas Medical Insurance is procured from the time of departure until the traveler’s return to India. Acquiring Overseas Medical Insurance ensures comprehensive coverage in case of emergencies while exploring other countries. While options like Bharat Bhraman & E Travel offer travel insurance for domestic trips within India, it is predominantly favored for international travel.
Why you need PTIC travel insurance
Traveling can be exciting and fun, but it can also be dangerous, even with proper planning. The Overseas Medical Insurance ensures a safe vacation with numerous benefits. During your vacation, if you encounter any medical, accidents, or theft-related risks, your Overseas Medical Insurance coverage will cover all of your expenses or losses. It covers emergency medical bills, unintentional bodily injury, baggage loss, trip cancellation or delay, and emergency cash in the event that your travel funds are stolen.
Types of travel insurance plans
Travel accident insurance
The goal of this policy is to cover you and your family from term life and accidental death and dismemberment. This covers unanticipated and unexpected losses resulting from travel or flying mishaps. Baggage loss, evacuations, medical and dental bills, pre-existing medical issues, and repatriation are some of the other emergency aid benefits that may be available. The benefits are valid while on an insured trip or throughout the coverage term. This sort of travel insurance is suitable for frequent international travelers, especially those who visit dangerous areas.
Travel medical insurance:
When you go abroad, your regular health insurance won’t cover you, but travel medical insurance will. It will cover medical, dental, and evacuation charges while you’re on the road. This trip insurance is inexpensive since it excludes a slew of additional costs, such as trip cancellations. Some plans, on the other hand, include payments for delayed or lost baggage, as well as delayed travels. Travel medical insurance is normally available for a single trip or many journeys over a set length of time.
Package travel insurance
Package travel insurance is significantly more comprehensive than travel accident, evacuation, and medical insurance plans, which is why it’s the most popular. Packages are tailored to the specific requirements of different types of travelers. Evacuations, luggage issues, medical and dental bills, bringing kids home, and travel cancellations, delays, and interruptions are all covered by most plans. Adventure activities, credit card and passport services, identity theft aid, pet care, pre-existing medical issues, rental car collisions, roadside assistance, and sporting equipment are all covered by some plans.
Annual and specialty travel insurance
Annual travel insurance is identical to package travel insurance in that it insures all of your trips for the entire year rather than just one. Several of these plans are based on renewable energy. Specialty travel insurance covers certain components of a trip, including car rentals and term life insurance, in addition to the benefits you currently have. When you’re apprehensive about a specific danger, then this type of plan is ideal. In general, travel medical insurance and package travel insurance are required to cover medical emergencies and trip cancellations. Because the particular features and coverage vary so much between plans and providers, reading the terms and conditions of each before purchasing travel insurance is essential.
What does travel insurance include?
- Illness coverage – If you get sick unexpectedly, have an accident, or die while traveling, your foreign insurance will cover you. It could be for any reason, including an international vacation, a business trip, an educational trip, or a family vacation.
- Luggage, belongings, and baggage insurance – If you lose or misplace your luggage after checking in, you are covered completely.
- Coverage for trip cancellation and inconvenience – The main advantage is that you are compensated for all expenses incurred as a result of a trip delay from the airline’s end if it exceeds 12 hours.
- Medical, accidental, and financial emergency benefits — Coverage for loss or damage caused by natural disasters, medical bills, and any financial difficulties stemming from overseas employment. Personal or travel-related questions about accidental coverage during a trip. It will be covered if you suffer any permanent disability as a result of an accident while traveling or flying. Financial protection in the event of an unplanned financial shortage caused by theft or robbery.
- Flight cancellations/delays – In case your connecting plane was delayed for more than three hours and you miss it, you will be reimbursed.
- Coverage for the loss of a passport or other key travel documents. Reimbursement of the costs of getting a new or duplicate passport is also included.
- Third-party coverage — Compensation for a third party in the event that your involuntary activities cause someone’s death, injury, or property damage.
- Legal protection — Your insurer will cover any legal liabilities that arise during your trip.
- Coverage for repatriation – Medical expenses incurred as a result of an emergency evacuation to India for treatment. If the policyholder is hospitalized for more than a week and a family member who traveled to see you overseas was forced to return home, you will be reimbursed for the cost of the same family member’s return flight.
- Death cover– The costs of cremation and transporting dead remains are covered under it in the event of sudden death.
- Dental coverage – If you need dental care as a result of an injury, you will be paid.
- Coverage for theft — Any loss or damage caused by a break-in at your home while you are away.
- Hijack risk cover – Risk of a kidnapping is covered, as is a distress allowance if the kidnapping lasts longer than 12 hours.