Travel Policy

Travel Insurance – Going Somewhere? Better Get Covered

Those who like traveling may occasionally encounter situations when they must deal with medical crises while in a foreign setting. Travel insurance can help in this situation.

To receive aid in cases like personal accidents, diseases, hijacking, theft, personal liability costs, or any other travel-related concerns, while visiting a new location, it is important to purchase travel insurance.

The trip of your dreams can be protected and enjoyed quickly and easily with travel insurance. Always bear in mind that purchasing travel insurance is an investment in the happiness and safety of you and your loved ones, not a cost.

TYPES OF TRAVEL INSURANCE DESCRIPTION
INDIVIDUAL TRAVEL INSURANCE While traveling alone, one might need extra protection and immediate help. This is where insurance comes to rescue.  It includes benefits like accidental emergencies, accidental death, medical services expenses, dental expenses and other non-medical factors like baggage loss, passport loss and many more.
FAMILY TRAVEL INSURANCE Family travel plans can be taken for a single family inclusive of the policyholder and his/her spouse and children. It includes benefits like medical expenses for hospitalization, personal accident, hospital allowance, trip delays, loss of baggage, documents, home burglary insurance, etc.
SENIOR CITIZEN TRAVEL INSURANCE The elderly people prefer to travel after retirement and often travel alone as well or just in couples. This type of plan protects them from uncertainties. it offers benefits like cashless medical services, medical concierge services, quality health care facilities, cover for pre- existing conditions, accidental bodily injury, loss of documents, trip delays/cancellation, third party damage, distress allowance, etc.
CORPORATE TRAVEL INSURANCE A Corporate travel insurance plan can be procured by corporate employers who intend to provide insurance protection to their employees while they are abroad. Corporate plans can be customized according to the requirements of the organization. It offers benefits like medical and travel-related cover for policyholders and are available as multi-trip and single round trip policies.
DOMESTIC TRAVEL INSURANCE Any individual traveling within India can also get TYPES OF TRAVEL INSURANCE DESCRIPTION a domestic travel insurance plan with covers for medical expenses, loss or theft of baggage, emergency medical evacuation, cancellation and delay of trips, 24/7 customer support, personal accident cover and emergency cash assistance.
INTERNATIONAL TRAVEL INSURANCE Covering a much wider range, the international travel insurance plans cover overseas travel, trip, holiday, family visitation, study, business meetings, and much more. It covers several factors – medical and dental expenses, loss of baggage and passport, trip cancellation, flight delays, etc.
SINGLE TRIP INTERNATIONAL TRAVEL INSURANCE It can be purchased by individuals to get travel insurance for one trip to a single destination with a fixed duration of travel. The duration of the insured single trip will vary depending on the insurance company chosen by the customer.
MULTI – TRIP INTERNATIONAL TRAVEL INSURANCE As per this policy specified duration of travel is insured by the policy with benefits like cashless hospitalization, quality health care services and quick settlement of claims. These plans are ideal for frequent international travelers.
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What Does Travel Insurance Cover?

BENEFITS OF TRAVEL INSURANCE

Now that we have taken a look at what is travel insurance and why is it so important let’s take a look at its benefits so that you can enjoy your trip to the fullest!!

 
In-patient care
Out-patient care
Daily Allowance
Compassionate visit
Return of Minor child
Up-gradation to business class
Dental Treatment
Trip interruption
Trip Delay
Loss of checked-in baggage
Delay of checked-in baggage
Loss of Passport or International Driving License
Personal Liability
Hijack Distress Allowance
What is Excluded from Travel Insurance Policies
  • Substance Abuse: Alcohol or drugs.
  • Human-made situations: War, Civil war, Terrorism.
  • Medical Exclusions: HIV/AIDS, Alternative treatment, cosmetic treatment, pre-existing conditions or diseases, not following doctor’s medical advice, suicide or self-inflicted injury.
  • Baggage or Passport: Loss of passport is not covered under the travel insurance in India when the same is left unattended. Also, if the baggage is shipped separately from the insured, there is no coverage.
  • The travel insurance policy won’t cover Injuries due to participation in adventure sports.
What are the Parameters that Affect Travel Insurance Policy’s Premium?
Age
Travel Destination
Duration Of Travel
Medical Conditions
Number Of Travellers
And Any Add-Ons If Taken
Travel Insurance Claim Procedure

CASHLESS CLAIM

  • Hospital have to collect and submit all the required documents for processing.
  • Once the claim is submitted and approved payment would be made to beneficiaries’ account.
  • If the information provided is incomplete, then you will be asked to complete the formalities.

REIMBURSEMENT CLAIM

  • You have to collect and submit all the required documents for processing.
  • Once the claim is submitted and approved payment would be made to beneficiaries’ account.
  • If the information provided is incomplete, then you will be asked to complete the formalities.
  • If the documents are not submitted within stipulated time, claim file would be closed.
Documents Required
TYPE OF CLAIM DOCUMENTS REQUIRED PROCEDURE TO BE FOLLOWED
MEDICAL EMERGENCY: ACCIDENT AND DENTAL EMERGENCY/ HOSPITALIZATION
  1. Our Assistance co. ref. No. and approval
  2. Claim form duly filled in all aspects
  3. Doctor’s advice report
  4. Pathological/ lab reports
  5. Original bills / receipts/prescriptions
  6. Discharge certificate
  7. Policy copy
  8. If expenses paid by you seek reimbursement
  9. Preserve all original bills / prescriptions
  1. Please call our company
  2. Call for claim form
  3. Get the assistance for admission through our assistance co.
PERSONAL ACCIDENT
  1. Inform the company
  2. Narration of the facts
  3. Police report
  4. Witness statements
  5. Death certificate, if applicable
  6. Cause of accident
  7. Post mortem, report, if applicable
  8. Original bills
  9. Details of treatment taken for PTD or PPD with supporting prescriptions and doctor’s advice
  1. Call the company and obtain claim form
  2. Please fill the claim form in all aspects
  3. Inform police
  4. In case of PTD, obtain disability Certificate from the doctor.
  5. Witness if any, get statements from them
LOSS OF CHECKED IN BAGGAGE
  1. Claim form duly filled in all aspects
  2. Copy of letter lodging a claim on the carrier
  3. Property irregularity Report/other report issued by the carrier
  4. Compensation received from the carrier
  5. Adequate proof of value of items contained in checked in baggage value in excess of US$100
  1. Please call our company
  2. Call for claim form
  3. Lodge complaint with the carrier
  4. Send complete documents
DELAY OF CHECKED IN BAGGAGE
  1. Claim form with reference
  2. Copy of ticket
  3. Copy of visa/ passport
  4. Certificate from the carrier for the delay in checked in-baggage for more than 12 hours
  5. Irregularity report or any other report from the airline stating date.
  6. Original bills of emergency consumables purchased up to the arrival of delayed baggage.
  1. Original bills of emergency consumables purchased up to the arrival of delayed baggage.
  2. Call for claim form which can be obtained from the company
  3. Send duly filled in claim form with supporting documents.
PERSONAL LIABILITY
  1. Inform the company
  2. Narration of the incident
  3. Proof of judicial decision
  4. In case of Bodily injury, nature of it
  5. Witness statement
  6. Victims statement
  7. Police complaint by the victim
  8. Your report to the police
  9. Legal notice, summons, etc.
  10. Lawyers opinion about the incident vis-à-vis your liability.
  1. Inform our Assitance.co
  2. Engage lawyer with the consent of the company
  3. Correspondence, if any, without prejudice
  4. No commitment on any benefit or enter into agreement
TRIP CANCELLATION
  1. Inform police issuing office / call Centre
  2. Fill up the claim form
  3. Cause for cancellation with supporting evidence
  4. In case of Bodily Injury: Hospitalization bill, Doctor’s bill, etc.
  5. In case of death of a relative: Death Certificate
  6. In case of quarantine: Certificate from the authorities
  7. In case of deposing as a witness: copy of summons
  8. Copy of ticket
  9. Copies of correspondence with the airline authorities
  1. Inform policy issuing office
  2. Obtain claim form
  3. Inform the travel agent or the tour operator through whom the trip was arranged
  4. Preserve unused ticket or any prior agreement entered into with Hotels, etc. resulting in loss because of cancellation of the trip
LOSS OF PASSPORT
  1. Copy of complaint lodged with the police
  2. Inform passport office
  3. Copy of loss passport
  4. Cause of loss
  5. Expenses incurred for obtaining duplicate passport
  1. Inform the company and their assistance Co.
  2. Take their assistance
  3. Inform police
Why Buy Travel Insurance from Secure Financial Services?
We continuously try to fulfil our client’s requirements, by providing and advising them about wide range of plans and riders available in the market.
We know that a financial crisis or an emergency can arise anytime and thus we are here to help you 24/7.
We are the one who will go through the internal terms and conditions of the policy and make sure that they are favorable to our clients
Our insurance claims are settled with utmost ease and transparency
We continuously update the client on claim status at every level of claim.

FAQs on Fire Insurance

Yes, the hospitalization expenses will be payable if the patient has been hospitalized due to COVID-19 during overseas travel.
 Yes, the financial losses occurred by the policy holder will be covered if the scheduled trip is cancelled because of COVID-19 during traveling.

 

 Going on a holiday can be a lot of fun but a single mishap can ruin your perfect vacation and in huge financial loss. Your travel insurance policy will help you and protect you from any financial losses.
Many of the insurance providers do not cover preexisting diseases or ailments. 

Please read the policy documents at the time of purchase of the policy. 

General Insurances | Health Insurances Life Insurances (MDRT Member) Loans | Deposits | Mutual Fund (AMFI Distributor) | Real Estate (RERA Registered Broker)

Bhuyangdev, Ahmedabad.
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