Travel the World Without the Worry
A medical emergency abroad can cost more than the whole trip. Travel insurance covers hospital bills, trip disruptions and lost baggage, so a bad day doesn't become a financial disaster.
Before you book your flight
- Many countries, including Schengen states, require travel medical insurance for a visa
- Indian health policies usually don't cover treatment abroad
- Buy before departure; most plans can't be bought once you've left India
Protection From Departure to Return
Exact benefits and limits vary by plan; these are the covers most travellers should look for.
Medical Emergencies
Hospitalisation, emergency treatment and medicines for sudden illness or accident abroad.
Evacuation & Repatriation
Medical evacuation to the nearest suitable hospital or back to India when medically necessary.
Trip Delay & Cancellation
Compensation for flight delays, missed connections and non-refundable costs of covered cancellations.
Baggage Loss & Delay
Cover for checked-in baggage lost by the airline, and essentials bought when baggage is delayed.
Loss of Passport
Costs of getting a duplicate or emergency travel document at the embassy.
Personal Liability
Legal liability if you accidentally injure someone or damage their property abroad.
Accidental Death & Disability
Lump sum for the family in case of accidental death or permanent disability during the trip.
24×7 Assistance
Global helpline for hospital referrals, cashless arrangements and emergency coordination.
A Plan for Every Kind of Traveller
Single-Trip International
Cover for one overseas trip, from a few days to several months. Ideal for holidays and business visits.
Schengen Travel
Plans that meet Schengen visa requirements for medical cover, with the certificate you need for your application.
Annual Multi-Trip
One policy for unlimited trips in a year, each up to a set number of days. Saves time and money for regular travellers.
Student Travel
Long-duration cover for students, with options like study interruption and sponsor protection. Check your university's requirements.
Senior Citizen Travel
Plans for older travellers visiting children abroad. Age limits and pre-existing condition terms vary across insurers.
Domestic Travel
Low-cost cover for trips within India against delays, baggage loss and accidents.
How Much Medical Cover Do You Need?
Healthcare costs vary hugely by country. Choose your destination to see a sensible medical cover and the plan type that fits.
Indicative suggestion based on typical healthcare costs and common visa norms, not a recommendation. Always confirm the current insurance requirement with the embassy or your university.
8 Things to Check Before You Travel
- Enough medical coverMatch the cover to the destination; the USA and Canada need much higher limits than Asia.
- Visa requirementsCheck the minimum cover, validity and countries the embassy requires before you apply.
- Pre-existing conditionsDeclare them. Many plans exclude them or cover only life-threatening emergencies.
- Cover for the full tripPolicy dates must match your travel dates. Extend before expiry if your trip gets longer.
- DeductiblesKnow the amount you pay yourself on each claim, especially for medical and delay claims.
- Adventure activitiesSkiing, scuba diving and similar sports are often excluded unless added specifically.
- Cashless networkCheck the insurer's assistance partner and how cashless hospital treatment works abroad.
- Keep documents handyCarry the policy, helpline numbers and a copy of your passport, offline and online.
What to Do If Something Goes Wrong Abroad
Medical Hospital emergency
- Call the insurer's 24×7 global assistance number on your policy before or at admission, wherever possible.
- The assistance team guides you to a network hospital and can arrange cashless treatment.
- If you pay yourself, keep all original bills, prescriptions, reports and the discharge summary.
- Submit the claim with documents; we help you follow up after you return.
Travel Delay, baggage or passport
- Get written proof: airline delay certificate, Property Irregularity Report (PIR) for baggage, or police report for passport loss.
- Keep boarding passes, tickets and receipts for essentials you buy.
- Inform the insurer within the time stated in the policy.
- Submit the claim form with documents for reimbursement.
Facing a problem on your trip?
Call your insurer's assistance number first, then message us and we'll help with the claim.
Get Travel Insurance Before You Fly
Share your trip details and we'll compare plans with the right medical cover, visa compliance and add-ons for your destination.
- Side-by-side comparison from multiple insurers
- Help with proposal form, documents & inspections
- Renewal reminders and claim assistance
Travel Insurance Questions, Answered
Is travel insurance mandatory?
It depends on the destination. Schengen countries and several others require travel medical insurance for a visa, and many universities require it for students. Even where it isn't mandatory, it is strongly advisable because medical costs abroad can be very high.
Does my Indian health insurance cover me abroad?
Most Indian health policies cover treatment only in India. A few premium plans offer limited global cover, but usually not trip delays, baggage loss or evacuation. A separate travel policy is the reliable option.
Are pre-existing diseases covered?
Generally they are excluded, though some plans cover life-threatening emergencies arising from a pre-existing condition up to a limit. Always declare your conditions; we compare how each insurer treats them.
Can I buy travel insurance after leaving India?
Most Indian insurers require the policy to start before you leave India. Buy it a few days before departure, ideally once your tickets are booked.
Can I extend my policy if my trip gets longer?
Many insurers allow an extension if you request it before the policy expires and there have been no claims, subject to their terms. Contact us before your end date so there is no gap.
What is not covered?
Common exclusions include pre-existing conditions (except where stated), adventure sports without an add-on, injuries under the influence of alcohol or drugs, travel against medical advice and losses that aren't reported to the authorities. Read the policy wording before you travel.
Disclaimer: Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read the sales brochure / policy wording carefully before concluding a sale.
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Calculators and information on this page are for general guidance only and do not constitute financial, tax or legal advice. Premiums, features and eligibility vary by insurer and are subject to underwriting.