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Compare Travel Insurance Plans - Asia vs Leisure VS Multi-Trip VS Senior VS Student

09 October, 2018

Are you a travel junkie who loves to explore new places every year? While traveling is great fun, it also comes with its own set of expenses. However, it is uncertain too as any unforeseen situation can occur anytime, anywhere. Thus, a travel insurance plan would be a great help if you are a frequent traveler.

 

A travel insurance policy covers all the risks while you are traveling in India or abroad. It provides complete protection throughout the trip and offers even compensation/reimbursement when there’s any kind of emergency. This way you can travel abroad with your loved ones keeping all your worries behind. So, buying a travel insurance plan becomes extremely important in order to avoid unforeseen situations such as loss of passport, flight delay, loss of baggage as well as medical emergencies.

 

Basis your needs, you can choose your coverage and the type of plan you are looking for. Here’re the following plans covered under travel insurance that caters to people from all walks of life –

 

Asia travel insurance:

 

If you are traveling to any of the Asian countries, then choose to go with Asia travel insurance. This travel insurance policy offers a comprehensive coverage that takes care of the uncertainties that you might face while traveling to Southeast Asian countries. This travel cover is available on an individual basis, not on family-floater basis.

 

Benefits of Asia travel insurance –

 

  • Loss of passport
  • Hijacking benefit
  • Trip delay benefit
  • Trip cancellation
  • Loss or delay of checked-in baggage
  • Medical expenses
  • Accidental death benefit
  • Personal liability benefit
  • Emergency cash advance
  • Repatriation of mortal remains

 

Senior-citizen travel insurance:

 

Senior citizen travel insurance plans are designed especially for senior citizens so as to ensure their stress-free travel around the world. This type of insurance policy is basically for people who belong to the age of minimum 71 years.

 

Few key benefits of senior-citizen travel insurance –

 

  • Loss of passport benefit
  • Trip cancellation
  • Benefit of trip delays
  • Loss or delay of checked-in baggage
  • Missed departures/missed connections
  • Difference in air ticket prices due to delayed or early return
  • Accidental death benefit
  • Personal liability benefit
  • Emergency cash advance
  • Loss of passport benefit

 

Student travel insurance:

 

A student travel insurance plan is a type of insurance that offers medical as well as financial support to the students who need to travel overseas for higher studies. A student might go through financial problems or medical emergencies while studying abroad. This might affect their studies as well. Thus, a student travel insurance plan is an ideal choice as it covers students who are going to college, institutes or universities in a foreign country for professional or academic purpose. This cover is available on an individual basis not on family floater basis. Maximum entry age limit under this policy is 40 years and for children, minimum age limit required is 12 years.

 

Benefits of student travel insurance –

 

  • Loss of passport benefit
  • Hijacking benefit
  • Medical expenses
  • Loss of laptop
  • Ambulance charges
  • Coverage for pre-existing conditions such as accident & sickness
  • Child care benefits
  • Physiotherapy
  • Loss of check-in baggage
  • Personal liability benefit
  • Benefit of trip delays
  • Suicide
  • Maternity benefit (For termination of pregnancy only)
  • Child care benefit
  • Treatment for nervous and mental disorder

 

Multi-trip insurance:

 

This policy is an ideal choice for frequent travelers or globetrotters or we can say, multi-trip insurance is a type of insurance policy that is designed especially for frequent fliers who travel multiple times so that travelers don’t have to apply for insurance each time they travel.

 

Benefits of Multi-trip insurance policy –

 

  • Medical expenses
  • Loss or delay of checked-in baggage
  • Personal liability benefit
  • Trip cancellation
  • Personal liability benefit
  • Accidental death benefit
  • Trip delay benefit
  • Cash allowance on daily basis in case of hospitalization beyond 2 days
  • Repatriation of mortal remains
  • Assistance services
  • Emergency cash advance

 

 

 

Leisure insurance:

 

This is a comprehensive insurance plan for a holiday overseas with SI starting from 50,000 USD to 10Lac USD. For this policy, the minimum entry age required is 18 years in case of adults and maximum entry age is 70 years. For children, minimum entry age required under this policy is 91 days.

 

Some of the key benefits of leisure insurance –

 

  • Return of minor
  • Loss of baggage and personal effects
  • Trip cancellation
  • Hijacking benefit
  • Medical expenses
  • Missed departures/missed connections
  • Emergency cash advance
  • Assistant services
  • Home content insurance
  • Difference in air ticket prices due to early or delayed return
  • Emergency hotel extension
  • Trip curtailment
  • Loss of passport benefit
  • Daily cash allowance (in case of hospitalization for more than 2 days)

 

Buy online:

 

It is simple and convenient to buy travel insurance plans online. Following are the benefits of buying travel insurance online –

 

  • Easy, convenient and time saving
  • Instant policy
  • Transparency
  • Multiple secured payment options
  • On the spot plan comparison
  • 24*7 customer support

 

Some of you might think that buying a travel plan is silly, but it’s good to be safe than sorry. So, take a look at how each of them works and add the best travel insurance plan to your checklist while you plan your holidays, whether leisure or business. Happy globetrotting!