Medical insurance plans suffice the coverage against a variety of
risks associated with medical conditions. However, not all medical, health or
life insurance plans provide a medical cover off-station, i.e. beyond the
confinements of your residence or your daily itinerary. As health remains among
the top concerns for travellers, mitigating this risk through a domestic travel
insurance plan is an ideal way forward. As many as 22% of travellers face
medical conditions during trips or tours, whose likelihood increases further
with a pre-existing condition.
These insurance plans thus provide cover against medical
emergencies or hospitalisations when travelling to domestic locations. Below
given is a guideline you can refer to when looking for suitable domestic travel insurance in India with medical conditions.
Domestic travel cover: Features and
benefits to look for
You can easily tide over the unforeseen circumstances when
travelling in the country with the help of a domestic
holiday cover. Here are a few features and benefits
to look for when selecting an insurance plan during domestic travel.
●
Assistance during emergencies
Some of the best insurance policies for domestic travel come with
emergency travel assistance if you are stranded on your holiday. The cover can
be utilised to pay for hotel bills, tickets for a return journey and several
other expenses. Financial institutions like Bajaj Finserv offer easy-to-avail
Pocket Insurance policies such as the Domestic Holiday
Cover with emergency assistance of up to Rs. 50,000
when travelling in India.
Also, when on a road trip, you can go for a personalised Road
Trip Cover that caters to your emergency needs while
travelling by road.
●
Complimentary cover
These insurance plans should also come with a complimentary cover
in case of accidental hospitalisation, personal accidents, etc. A complimentary
cover of up to Rs. 3,00,000 with a domestic travel insurance scheme sum can
provide sufficient protection against emergencies related to health conditions
along with the following –
●
Losses
suffered due to cancellation of the trip.
●
Burglary at
home when out on a tour.
●
Baggage
loss when travelling.
A complimentary cover will thus ensure you remain protected
against emergencies of all types.
●
Roadside emergency assistance
Domestic travel insurance quotes, i.e., premiums vary between
insurers and further as per the period of coverage. For example, if you are
stuck with a car breakdown during a road trip, this cover would also provide
for vehicle repair midway.
●
Interest-free advance up to 28 days
Such
insurance plans also come with interest-free advances of up to Rs. 50,000 during
domestic travel. These advances are required to be repaid within 28 days of
borrowing.
Further,
you can cover your specific travel requirements like trekking with a Trek Cover offered by Bajaj Finserv that also
comes with a complimentary personal accidental insurance coverage.
However,
you must also consider a few things before deciding on a domestic travel
insurance plan.
Things to consider when choosing an insurance cover for
domestic travel
- Understand
your requirements like pre-existing medical issues, chances of trip
cancellation or delay, etc., before deciding on the coverage plan.
- Make
a comparison of different plans and policies offered by insurance
providers.
- Decide
on the policy type after considering the place you will visit, the
duration of travel, etc.
- Know the policy’s terms and conditions along
with the procedure to claim your insurance cover.
Online process to apply for a domestic travel
insurance plan
Proceed
with the following steps to apply for a domestic holiday cover –
Step 1 –
Log in to the insurance provider’s website.
Step 2 -
Fill up the application form with all the necessary details.
Step 3 –
Make a payment of the premium amount online.
These
insurance plans are available for one year against an affordable premium
payment. However, before taking the final call, make sure to check the
exclusions in your chosen policy and apply for it.
