Travel Insurance: If you are fond of travelling then you must understand the benefits of travel insurance..
Winter season is going on. In this season, trains and flights are often cancelled or delayed due to fog, due to which passengers face problems. Many times luggage gets stolen a medical condition arises or an accident occurs during the journey. In such a situation, travel insurance can be very useful for you. Travel insurance covers many types of risks during your journey and works to make your journey safe.
However, there are many types of travel insurance. The type of policy you buy, you get the same kind of facilities. If you are fond of traveling or you often have to travel for official tours, then you must know about all the benefits of travel insurance and its utility. Know here the special things related to travel insurance.
Benefits of travel insurance
If your health deteriorates during the journey, then your travel insurance policy will be useful for you. It covers your hospital bills, ambulance fees, etc.
If your luggage gets stolen during the journey, then its loss can also be compensated through travel insurance. Even if you lose your passport or any important document, you get help.
If you become a victim of any kind of accident during the journey, then you can get help through travel insurance. Accidental Death and permanent Disability are also covered in it.
If you miss your connecting flight due to an emergency and you have to spend money because of it, then you can file a claim for it under travel insurance.
In case of flight delay and cancellation also, the loss can be compensated by making a claim under travel insurance. If there is a delay of even 2 to 3 hours in the flight, then you can get a lot of benefits by having travel insurance.
If your flight is delayed a lot, then you can stay in a nearby hotel. In such a case, you can claim reimbursement of the expenses incurred on accommodation and food from the insurance company.
Apart from all this, all the problems that occur during the journey like loss of luggage or spoilage or damage can also be compensated through insurance.
These things are not covered.
When you buy a travel insurance policy, things like pre-existing diseases, risk of war, suicide or mania, and dangerous sports are not covered. However, nowadays there are policies available in the market with different covers, you should choose it according to your needs.
Premium is decided according to the plan.
There are many types of travel insurance plans like single trip plans, multi-trip plans, domestic plans or international plans, individual or group travel plans, student plans senior citizen plans, etc. According to all these plans, their premium is decided and different facilities are available. If you want, you can get additional coverage in the travel insurance plan. But the premium for additional covers will also be higher.
How to choose a policy
If you have decided to buy a travel insurance plan, then choose the policy according to your needs. Tell the insurance agent about the coverage you need according to your needs and ask him to show you the plan accordingly. For example, suppose you travel both in India and abroad, then your plan should have coverage for both domestic and foreign travel. If you travel only within the country, and do not have any plan to travel abroad at present, then choose the policy accordingly. Apart from this, you must ask the insurance agent all the questions related to the doubts and apprehensions arising in your mind. It is very important to know what the terms and conditions are. Many times people do not pay attention to these terms and conditions and later get into trouble due to this.
Disclaimer: This content has been sourced and edited from ZEE Business Hindi. While we have made modifications for clarity and presentation, the original content belongs to its respective authors and website. We do not claim ownership of the content.
