In today’s time, travelling has become an important part of our life, whether it is related to work or summer vacation or meeting a friend or a relation or marriage, during travelling from one place to another, some untoward incidents happen suddenly like when you are travelling by train and the train gets cancelled or you want to travel by flight and your flight gets cancelled on the same day or you have gone somewhere and your luggage is lost in the flight or you have gone somewhere and you fall ill, in such a case, domestic travel insurance provides an important safety net, not only makes your journey fear-free, worry-free and tension-free, you can travel without any worry. Domestic Travel Insurance in India: A Comprehensive Guide
What is Domestic Travel Insurance?
Domestic Travel Insurance Company is an insurance policy which will help you in case any untoward incident like accident or any disease occurs during your journey, because this Domestic Travel Insurance will help you.
Main features of Domestic Travel Insuranc
1.Medical Insurance
If you are travelling somewhere and suddenly you fall ill or meet with an accident, then it covers all your expenses in that situation. From hospitalization to the time of admission, all the responsibilities of ambulance and medicines fall on someone.
2. Travel Cancellation or Delay Cover
If you are going somewhere and your flight or train gets cancelled or is running late, then your financial loss related to this is covered and if there is bad weather or strike, then you get benefits in case of technical fault.
3. Loss or theft of luggage
If your luggage gets lost or stolen while you are travelling, then you also get compensation under this insurance policy.
4. Personal Accident Insurance
If you are travelling somewhere and during that time you meet with a major accident and you become disabled or you die, then the person in whose name you have taken this insurance will be provided the insurance amount.
5. Cover for missing flight or train
If you are travelling somewhere and for some reason something untoward happens to you and you miss your flight or train, then this compensation will be given to you at that time. This tax benefit is especially useful for those travellers who travel continuously every month. For them this domestic travel insurance is quite beneficial.
Why is domestic travel insurance necessary?
If you are travelling or visiting the northern or eastern part of India, then many natural calamities like flood, earthquake, storm etc. can affect your journey. During such times, this insurance company provides you financial help.
If your belongings get stolen or lost during your journey, then there is a possibility of getting financial help. For this reason, domestic travel insurance becomes important. And it helps you during such times too. If you take domestic travel insurance, then you can travel anywhere without any worry.
Types of Domestic Travel Insurance
Following are the types of domestic travel insurance.
- Individual Travel Insurance
- Family Travel Insurance
- Senior Citizen Travel Insurance
- Business Travel Insurance
Individual Travel Insurance
Personal Travel Insurance: This insurance is suitable for individual travelers. This insurance provides protection during travel. In case you have an accident or a sudden illness, this insurance is quite beneficial.
Family Travel Insurance
Family Travel Insurance: This insurance covers family members under a single policy.
Senior Citizen Travel Insurance
This insurance is for the elderly individuals. It is specially designed for senior citizens who take care of their medical needs and take care of all the expenses.
Business Travel Insurance
This insurance covers the potential risks that may occur during the business step.
Best Domestic Tribal Insurance Providers in India
The best domestic travel insurance in India offered by banks are as follows
- ICICI Lombard Domestic Travel Insurance
- Tata AIG Domestic Travel Insurance
- Bajaj Allianz Travel Insurance
- HDFC ERGO Travel Insurance
- Reliance Travel Insurance
How to choose the right domestic tribal insurance?
Check coverage: You must check to ensure that your policy covers all the benefits that are necessary for your travel.
Compare Premiums & Benefits: You should also carefully check and understand the policies of different insurance providers and select the most suitable plan.
Claim Settlement Process: You must ensure that you choose the insurance company which has a good claim settlement process. Never choose a bad company. Investigate and understand it well and then join it.
Read customer reviews: You should try to find out which customers have already availed this policy and know what their experience was like after joining it.
Special Covers: You will also see whether the company is providing any special information or not. For example, if you are participating in any special activity like accident sport, then see whether the insurance policy covers it or not. You must check all these things.
How to claim?
Inform the Insurance Company Contact the insurance company immediately as soon as an incident occurs Submit the required documents Medical bills Police report Travel tickets Submit the claim form today Fill the required forms for claim with the insurance company Claim Acceptance and Payment You will receive the payment after verification by the company.
Conclusion
Domestic travel insurance is an important tool to make traveling in India safe and hassle-free as it not only protects you against unexpected expenses but also provides peace of mind during the trip. If you travel frequently then getting a good travel insurance policy is a smart decision.
Frequently Asked Questions (FAQ)
1. Is domestic travel insurance mandatory?
No, domestic travel insurance is not mandatory, but it helps in making your trip safe and stress-free.
2. Is it applicable for all types of trips?
Yes, it is available for various types of trips including personal, family, business and senior citizen travel.
3. Is it valid only for flight trips?
No, this insurance can also cover travel by train, bus, taxi, private vehicle and other modes of transport.
4. Does it cover accidents related to adventure sports?
Some insurance plans cover adventure sports, but you may have to take special add-on cover for it.
5. Will I get a claim if my trip is cancelled suddenly?
Yes, if the trip cancellation is due to an eligible reason such as bad weather, illness, strike or other unforeseen circumstances, the insurance company may pay the claim.
