Travel insurance covers various risks during your travels and works to make your journey safe. If you also travel often and are planning to buy travel insurance, then here are the special things related to it.
If you like to travel or have to travel every day, then you must know about travel insurance. Travel insurance covers various risks during your travels and works to make your journey safe. All kinds of situations like theft of luggage during travel, medical emergency, accident during travel, loss of passport, flight delay or flight cancellation etc.
are covered in this insurance. Although there are many types of travel insurance. The kind of policy you buy, you get the same kind of facilities. If you also travel often and are planning to buy travel insurance, then here are the special things related to it.
How is the premium decided?
Your travel insurance premium is calculated on the basis of your choice of plan. The premium is decided according to the duration of your trip, single trip plan, multi trip plan, student plan or senior citizen plan.
Apart from this, according to your holidays, you can get additional cover added to your travel insurance plan. For example, you can add home insurance, cover for expensive items and important documents. However, the premium for all these additional covers will also be higher.
Keep these things in mind while buying the policy
If you have made up your mind to buy a travel insurance policy, then before buying the policy, make sure to see what all the covers are available in it. Choose the policy according to your need. If you travel both within India and abroad, check whether it covers both domestic and foreign travel.
If you travel only within the country, there is no plan to travel abroad at the moment, then choose the policy accordingly. Apart from this, you must ask questions related to all the doubts and apprehensions arising in your mind from the insurance agent. It is very important to know what are the terms and conditions. Many times people do not pay attention to these terms and conditions and later get into trouble due to this.
These things are not covered
Things like pre-existing illness, war risk, suicide or insanity and dangerous sports are not covered when you buy a travel insurance policy. Although nowadays there are policies with different covers in the market, you should choose it according to your need.
Pay attention to these things
- To buy a policy, do not think of taking the cover as per the travel agent only. Gather as much information as possible and choose your option yourself.
- If you are in a rush to buy cheap travel insurance, then avoid doing so, as it may not be adequate for your needs.
- Before getting the policy, do know whether your premium will be eligible for refund or not if there is any change in the journey.
