Travel Insurance

TL;DR: Travel insurance is a policy that protects you against financial losses while travelling,  medical emergencies, trip cancellations, baggage loss, and passport loss. It is essential for international travel and mandatory for the Schengen area and 30+ other countries. In India, plans start from a few hundred rupees per trip with 0% GST. Niva Bupa TravelAssure covers 190+ destinations with a sum insured up to $500,000.

What is Travel Insurance?

Travel insurance is a risk-management policy that provides financial protection against unexpected expenses during domestic or international travel. It is a contract between the insurer and the policyholder that guarantees compensation or reimbursement up to a specified sum insured for covered medical and non-medical trip-related risks.

Travel insurance works by transferring the financial risk of specific travel-related incidents from the traveller to the insurer. Coverage typically begins on the date of departure and continues until you return to your point of origin. For certain benefits, such as trip cancellation, coverage begins the moment you purchase the policy.

According to IRDAI guidelines, travel insurance falls under general insurance and must be purchased before departure from India.

Definition Block: Travel insurance is a policy that reimburses or compensates a traveller for financial losses arising from medical emergencies, trip disruptions, and personal risks during a trip, up to a defined sum insured.

How Does Travel Insurance Work?

Travel insurance works by covering specific risks listed in your policy in exchange for a one-time premium. When a covered event occurs, such as hospitalisation abroad or a cancelled flight, you file a claim, and the insurer either settles it directly (cashless) or reimburses your documented expenses.

The process works in three steps:

1. Buy the policy before your trip, selecting your destination, duration, and sum insured.

2. Travel covered, your policy is active from the departure date (or purchase date for cancellation cover).

3. Claim when needed, contact the insurer or its global assistance partner, submit documents, and receive cashless treatment or reimbursement.

For travel insurance from India, insurers like Niva Bupa partner with global assistance companies (such as Europ Assistance) to provide 24x7 cashless support at hospitals worldwide.

Why Do You Need Travel Insurance for International Trips?

1. International travel carries financial and logistical risks that domestic travel does not. Travel insurance protects you against four major risks:

2. High medical costs abroad: Healthcare in the USA, UK, and Europe is far more expensive than in India. A single hospitalisation can cost lakhs of rupees, paid entirely out-of-pocket if you are uninsured.

3. Trip disruptions: Flight delays, cancellations, missed connections, and lost baggage lead to unplanned hotel, rebooking, and replacement costs.

4. Document and legal risks: Losing your passport or facing theft or fraud abroad is hard to manage without support and reimbursement.

5. Visa requirements: Travel insurance is mandatory for visa approval in the Schengen region, the UAE, and 30+ other countries.

What Does Travel Insurance Cover?

Travel insurance provides comprehensive protection against both medical emergencies and travel-related disruptions, ensuring financial security throughout your international trip. Niva Bupa’s TravelAssure policy is designed to cover a wide range of risks, from hospitalisation and medical evacuation to trip delays and loss of belongings.

Medical Coverage

Medical expenses abroad can be significantly higher than in India, making this the most critical component of travel insurance.

• Emergency hospitalisation: Covers inpatient treatment for illness or injury requiring hospital admission

• Emergency outpatient treatment (OPD): Covers urgent medical consultations and treatments that do not require hospitalisation

• Dental treatment: Covers emergency dental procedures required for pain relief

• Medical evacuation: Covers transportation to the nearest appropriate medical facility or back to India if required

• Repatriation of mortal remains: Covers transportation or cremation expenses in case of death during the trip

• Compassionate visit: Covers travel expenses for a family member if the insured is hospitalised for an extended period

These benefits ensure that travellers receive timely medical care without facing financial strain.

Travel-Related Coverage

Travel insurance also protects against common travel disruptions that may impact your itinerary or budget.

• Trip delay, cancellation, and interruption: Covers non-refundable travel and accommodation costs due to unforeseen events.
• Missed connecting flights: Covers additional travel and accommodation expenses caused by delays.
• Loss of checked-in baggage: Provides compensation for permanently lost baggage.
• Baggage delay: Covers essential purchases if baggage is delayed beyond a specified time.
• Loss of passport: Covers expenses related to obtaining a duplicate passport.
• Emergency trip extension: Extends coverage if the trip is extended due to an emergency.

These benefits help reduce financial losses and inconvenience during unexpected travel situations.

Personal and Financial Protection

In addition to medical and travel-related risks, travel insurance also covers personal liabilities and financial emergencies.

• Personal accident cover: Provides compensation in case of accidental death or permanent disability.
• Accidental death and disability (common carrier): Offers coverage during travel via flights or other carriers.
• Personal liability: Covers legal expenses arising from accidental injury or damage caused to a third party.
• Financial emergency cash: Provides support in case of theft or loss of travel funds.
• Hijack distress allowance: Offers compensation if a hijacking disrupts travel.

These features ensure broader financial protection beyond standard travel risks.

Additional Benefits and Flexibility

Depending on the plan selected, travellers may also benefit from enhanced coverage options:

• Coverage for pre-existing diseases (as per plan)

• COVID-19 coverage up to the sum insured

• Flexible sum insured options ranging from $50,000 to $500,000

• Policy duration up to 180 days, extendable up to 365 days

These options allow travellers to customise their policy based on destination, duration, and individual needs.

What is Not Covered Under Travel Insurance?

While travel insurance offers extensive protection, it is equally important to understand what is not covered. Exclusions are specific situations, activities, or expenses that fall outside the scope of the policy. If a claim arises from these conditions, it may be rejected.

Being aware of these exclusions helps travellers make informed decisions, avoid claim issues, and plan their trips more responsibly.

High-Risk Events and External Factors

Certain large-scale or uncontrollable events are typically excluded:

• Injuries or illnesses caused by war, invasion, rebellion, or civil unrest

• Losses arising from nuclear or radiological exposure

• Specific acts of terrorism (as defined in the policy)

Illegal or Intentional Acts

Insurance does not cover situations involving unlawful or intentional harm:

• Loss or injury while committing or attempting a criminal act

• Participation in military operations, war games, or combat activities

Medical and Lifestyle-Related Exclusions

Some health-related conditions and treatments are not covered:

• Cosmetic or elective procedures, including weight loss or aesthetic treatments

• Maternity-related expenses, unless specifically covered under the plan

• Use of non-prescription, experimental, or unproven treatments

• Expenses for vision correction aids such as spectacles or contact lenses

• Treatments related to hair loss, wigs, or cosmetic enhancements

• Purchase of medical consumables such as test strips or support stockings

Pre-existing and Advisory Conditions

Coverage may be denied in cases where proper disclosure or medical advice is ignored:

• Travelling against a doctor’s advice

• Undergoing or awaiting planned medical treatment abroad

• Undisclosed or improperly declared medical conditions

Self-Inflicted or Substance-Related Risks

Claims arising from certain behaviours are excluded:

• Injuries due to self-harm or attempted suicide

• Losses caused by alcohol or drug consumption

• Bodily injury or harm linked to mental health or self-inflicted

Travel-Specific Exclusions

Certain travel scenarios are not covered under standard policies:

• Travel to countries under restriction or advisory for Indian travellers

• Medical tourism, where treatment is the primary purpose of travel

• Adventure sports or hazardous activities, unless specifically included as an add-on

• Expenses for diagnostic tests not linked to active treatment

Why Understanding Exclusions Matters?

Understanding exclusions is critical for successful claim settlement. Many claim rejections occur not because of a lack of coverage but because of a lack of awareness of exclusions.

To avoid issues:

• Always read the policy wording carefully

• Check coverage before engaging in high-risk activities

• Ensure accurate medical disclosure at the time of purchase

• Opt for relevant add-ons if your trip includes adventure or special conditions

Note: The list above summarises common exclusions. Actual coverage may vary based on the plan selected, and specific terms, conditions, deductibles, and limits will apply. Travellers should always refer to the detailed policy document before purchasing travel insurance.

What are the Types of Travel Insurance Plans in India?

Travellers planning to secure their trips with travel insurance should note that there are several different types of travel insurance, depending on their specific needs. Here are various types of travel insurance plans offered by insurers in India:

1. Travel insurance policy: Travel insurance consists of comprehensive plans that offer various benefits, such as coverage for medical expenses, trip cancellation, loss of checked-in baggage, missed connections, etc. Niva Bupa’s TravelAssure policy covers dozens of these risks, enabling financial protection and peace of mind. 

2. Travel protection policy: These plans cover basic travel risks, such as flight delays or cancellations, that most insurers cover. Although they offer limited coverage compared to travel insurance, their premiums are comparatively low because they are sold as add-ons when purchasing travel tickets.

3. Travel health insurance: Travel health insurance offers comprehensive plans for travellers, providing financial protection against only medical expenses incurred while travelling.

Beyond these categorisations, travellers can also expect several sub-categorisations under travel insurance. These include single-trip insurance, multi-trip insurance, student travel insurance, senior-citizen insurance, group insurance, domestic travel insurance, and international travel insurance.

• Single trip: Single-trip travel insurance provides coverage for a single round trip from the purchase date until the traveller returns to their port of origin. This policy remains applicable only for the duration of that trip.

• Multi-trip: If a policy buyer has several trips planned for the year, they can opt for a multi-trip policy that provides coverage for a set period rather than a single journey, offering convenience and cost-effectiveness. Frequent fliers opt for this type of plan to avoid repeatedly buying separate plans.

• Student: Students can buy student travel insurance that covers the duration of their studies. To make the plan more student-friendly, they can opt for specialised coverages like sponsor protection and study interruption.

• Group: Group travel insurance plans offer convenience and more cost-effective premiums for group travellers, providing the same comprehensive coverage to all.

• Domestic: Travellers planning a domestic trip should consider opting for domestic travel insurance to protect against non-medical risks such as lost checked baggage, trip delays, missed connections, etc.

• International: International travel insurance provides comprehensive coverage for travellers on international trips.

Policy buyers should consider and buy any of the above policies based on their specific plans and requirements.

How Much Does Travel Insurance Cost in India?

The cost of travel insurance in India is generally affordable and varies based on several factors. For most international trips, premiums can start from just a few hundred rupees and increase depending on coverage and risk profile. Typically ranging from ₹150 to ₹1000 per day for international trips. For a standard 10–15-day international trip, the total premium usually ranges from ₹600 to ₹3,000, depending on the coverage and traveller profile.

Note: The average age used for this estimate is that of a 35-year-old man and woman with 2 children, with $250,000 in coverage, travelling to the United States. This estimate will vary depending on the number of travellers, destinations, pre-existing conditions, and duration, among other factors listed in the following section.

0% GST on Travel Insurance Plans

Travel insurance plans in India are now exempt from GST, which means that they currently attract 0% GST, and you do not pay any Goods and Services Tax on the premium. This makes travel insurance more affordable, as the price you see is the final cost, excluding additional taxes. This results in a lower overall cost of buying travel insurance and better value for the same coverage.

What Factors Affect Travel Insurance Premium?

Insurance companies do not pick premium amounts at random. They use mathematical models to study past claims from millions of people. This is called the underwriting process, and it helps them predict how likely you (the policyholder) or those covered under the policy are to make a claim and how much it would cost. 

By considering key factors such as the traveller's age, travel destination, number of travellers, etc., the insurer will create a risk profile and calculate a price that reflects the risk determined. Understanding how they reach these numbers helps you decide what information to share and how to build a plan that offers the best value for your money. 

As a traveller planning to buy travel insurance to secure your trip, it is essential to note that several factors affect the premium. Here are some of the key factors which affect travel insurance premiums:

How to Choose the Best Travel Insurance Plan in India?

To choose the best travel insurance plan in India, assess your travel needs, compare coverage, check claim support, and review exclusions before buying.

The right plan balances adequate medical coverage, trip protection, and reliable claim settlement, not just the lowest price.

1. Understand your travel needs first

2. Check the entire coverage, not just the price

3. Compare multiple plans online

4. Check claim settlement and support

5. Review exclusions and fine print

6. Choose the right sum insured

7. Look for customisation and add-ons

8. Ensure policy duration matches your trip

9. Buy early and keep documents ready

How to Compare Travel Insurance Plans Online?

As more insurance providers have started offering travel insurance online, with key features and benefits clearly outlined, it has become easier to compare and purchase the best policy for your specific needs. Here are some of the key features to compare between different plans online:

1. Travel destination: Not all insurers cover every destination. Consider your travel destination to determine which coverages you may require and to assess whether a particular insurer offers coverage for it. 

2. Scope and extent of coverage: Consider a policy that is wide in scope and extent of coverage. 

3. Medical coverages: Compare the medical coverages offered to determine the minimum and optimal coverage needed for your policy. 

4. Trip-related coverages: Consider non-medical trip-related coverages and ensure you have them for the best protection. 

5. Total sum assured: Niva Bupa offers up to $500,000 in sum assured, so travellers must consider this and tailor their coverage to their needs. 

6. Premium price: Compare the premium prices to match your budget and needs.

7. Exclusions: In addition to what is covered within the scope and extent of coverage, it is also essential to consider what is not covered to avoid any last-minute hassles with claim rejection.

8. Claim process: Assess the claims process to avoid last-minute hassles when seeking a settlement.

9. Reliability of the insurer: It is imperative to assess an insurer's reliability before choosing a policy to avoid being left without protection when making a settlement claim.

How to Buy Travel Insurance Online?

Buying the right travel insurance Niva Bupa online is not only simple and convenient but also paperless and cashless. This allows travellers to secure their trip from anywhere at any time, and, by following just a few easy steps, purchase their desired policy within minutes. 

If you are looking to buy travel insurance from Niva Bupa, these are the steps you must follow:

1. Enter your mobile number to start the process.

2. Add Trip Details: Select either ‘Single-Trip’ or ‘Student Travel Insurance’ and choose your destination(s).

3. Select Travel Dates: Ensure accuracy, accounting for time zone differences when travelling internationally.

4. Enter Traveller Ages: Enjoy a 10% discount when insuring two or more travellers.

5. Choose Coverage Amount: From $50K to $500K.

6. Select your policy type: Lite, Basic, Comprehensive, Honeymooners, or Sports and Adventures.

7. View Summary: Review plan details, sum insured, travel dates, trip duration, destination, and number of travellers.

8. Provide KYC Details: Review policy terms and give consent for Niva Bupa to download your KYC.

9. Add Personal & Medical Details for all travellers.

10. Make the Payment: Your policy copy will be emailed instantly.

Once the payment is complete, your travel insurance policy will be emailed to you

When Should You Buy Travel Insurance?

Travellers are typically advised to buy travel insurance immediately after booking their flight and reserving accommodation. This ensures that if, for certain covered reasons, your trip is cancelled, you can receive compensation for the non-recoverable travel and accommodation expenses paid in advance. 

In addition, since travel insurance does not go through sales or offer additional benefits even if you wait, it is directly beneficial to purchase the policy as soon as possible. 

If you intend to embark on multiple trips over a set period, such as within a year, you should buy a travel plan in advance to cover all upcoming trips with annual multi-trip insurance. And even for a single trip, buying a travel plan in advance is advisable. 

However, if you forget to secure your trip in time, Niva Bupa enables travellers to purchase the policy from anywhere, at any time, before starting their journey, within just a few minutes and in as few as 10 steps.  So you can also buy travel plans at the last minute, even if you miss out on crucial coverages and benefits.

Who Should Buy Travel Insurance?

While travel insurance is mandatory before visiting certain countries, people travelling abroad should buy a travel insurance plan to secure their trip. Along with this, it is advisable for the following travellers to buy a travel insurance plan: 

• Individual travellers on international leisure, business, or religious trips

• Families travelling together internationally (10% group discount for 2+ travellers)

• Senior citizens up to age 70 have a higher medical susceptibility, making comprehensive coverage essential

• Students studying abroad, student-specific plans with maternity, PED, sponsor protection, and bail bond

• Corporate travellers, protection for business-related travel risks, including personal liability

• Honeymooners, dedicated plan with card fraud, emergency accommodation, and adventure sports

• Adventure travellers, plan with sports coverage, equipment hire, and physiotherapy included

• Parents visiting children abroad, comprehensive medical and trip protection

Travel Insurance for Popular Destinations

Niva Bupa offers dedicated travel insurance plans for India's most popular destinations, each meeting local entry and visa requirements.

Travel Insurance for Thailand

Thailand is one of the most popular destinations for Indian travellers. Travel insurance for Thailand covers emergency medical treatment, trip delays, baggage loss, and adventure activities like scuba diving and island excursions. While not mandatory for entry, Thai travel insurance is strongly recommended given the cost of private healthcare and the popularity of water and adventure sports.

Travel Insurance for the USA

The USA has among the world's highest healthcare costs; a single hospital stay can exceed $10,000 per day. Travel insurance for USA trips from India should carry a minimum sum insured of $100,000 to $500,000. US travel insurance is mandatory for full-time student programmes and strongly advised for all visitors.

Travel Insurance for the UK

Travel insurance for UK trips from India covers emergency medical treatment, trip disruptions, and baggage loss. While the UK is not a Schengen country, comprehensive medical coverage is strongly recommended given the high cost of private healthcare. Niva Bupa's UK travel insurance covers leisure, business, and student travellers.

Travel Insurance for Australia 

Travel insurance for Australia covers medical emergencies, adventure activities, and trip disruptions across the country's vast distances. Australia travel insurance is recommended for tourists, students, and those visiting family, with sum insured options suited to the high cost of private healthcare.

Schengen Travel Insurance

Schengen travel insurance is mandatory for an Indian Schengen visa and requires a minimum medical coverage of €30,000, valid across all 29 Schengen countries. Niva Bupa's Schengen tourist insurance meets this requirement and covers France, Germany, Italy, Spain, Switzerland, and the rest of the Schengen Area.

Student Travel Insurance

Student travel insurance is designed for Indian students studying abroad on full-time programmes. Beyond standard medical and trip coverage, students' travel insurance includes specialised benefits like study interruption and sponsor protection.

Niva Bupa's Student TravelAssure covers:

• Emergency hospitalisation up to $500,000, including treatment in India while on a student visa

• 100% pre-existing disease coverage (optional add-on)

• Study interruption: non-refundable fees and airfare home

• Sponsor protection: tuition and airfare if the sponsor dies or is disabled

• Maternity, dental, and OPD coverage

• Policy duration of 1 to 36 months

Student travel insurance is mandatory for full-time student programmes in the USA and meets university insurance requirements worldwide.

What Happens If You Travel Without Insurance?

If you travel without travel insurance, you are personally responsible for all unexpected expenses such as medical emergencies, trip cancellations, or lost baggage. Even a minor issue abroad can lead to significant financial loss.

In many cases, travellers without insurance face high out-of-pocket costs and logistical challenges during emergencies.

Scenario 1. You pay for medical emergencies out of pocket

Medical treatment abroad can be extremely expensive, especially in countries such as the USA, Canada, and parts of Europe.

A simple hospital visit, emergency surgery, or even a short stay can cost thousands or lakhs of rupees, which you must pay entirely on your own without insurance support.

Scenario 2. No coverage for trip cancellations or interruptions

If your trip is cancelled due to illness, visa rejection, or an emergency, you may lose money spent on flights, hotels, and other bookings.

Without insurance, these non-refundable expenses are not recoverable.

Scenario 3. Financial loss from baggage or passport issues

Lost baggage, delayed luggage, or a stolen passport can disrupt your trip and add unexpected costs.

Without travel insurance, you must handle replacement costs, emergency purchases, and documentation expenses yourself.

Scenario 4. No emergency assistance support

Travel insurance providers offer 24/7 global assistance for medical help, hospital coordination, and emergency evacuation.

Without insurance, you will need to navigate foreign healthcare systems, language barriers, and logistics on your own.

Scenario 5. Visa complications in some countries

Certain countries require travel insurance as part of visa approval. Travelling without it may lead to visa rejection or denial of entry in such destinations.

Scenario 6. Higher stress and risk during travel

Unexpected situations like accidents, illness, or travel disruptions become harder to manage without financial and logistical support.

This can significantly impact your travel experience and peace of mind.

Real-Life Scenarios Where Travel Insurance Helps

Travel insurance helps in real-life situations such as medical emergencies, trip cancellations, baggage loss, and travel delays by covering costs and providing assistance.

These situations are more common than expected and can lead to significant expenses without proper coverage.

Scenario 1. Medical emergency during an international trip

You fall sick or meet with an accident while travelling abroad and require hospitalisation.

Travel insurance can cover hospital bills, doctor consultations, and even emergency evacuation, which can otherwise cost lakhs in countries like the USA or Europe.

Scenario 2. Trip cancellation before departure

You have to cancel your trip due to illness, a family emergency, or a visa rejection. 

Travel insurance can reimburse non-refundable expenses like flight tickets, hotel bookings, and tour packages.

Scenario 3. Lost or delayed baggage

Your checked-in baggage is lost or delayed at the airport, leaving you without essentials.

Travel insurance can compensate for lost belongings or cover the cost of necessary purchases until your baggage is returned.

Scenario 4. Passport loss in a foreign country

You lose your passport while travelling abroad.

Travel insurance can assist with documentation and emergency support, and cover related expenses to obtain a replacement.

Scenario 5. Flight delay or missed connection

Your flight is delayed, or you miss a connecting flight due to unforeseen circumstances.

Travel insurance can cover additional expenses such as hotel stays, meals, or rebooking costs.

Scenario 6. Emergency evacuation or repatriation

You require urgent transportation to a better medical facility or need to be brought back to India due to a serious condition.

Travel insurance covers evacuation and repatriation costs, which can be extremely high without coverage.

Scenario 7. Medical expenses for pre-existing conditions

You experience complications related to a pre-existing condition during your trip.

Certain travel insurance plans provide limited coverage for such situations, helping manage unexpected medical costs.

How to Claim Travel Insurance?

Travellers who need to file a claim settlement request for travel insurance can do so easily with Niva Bupa. There are several ways to request a claim settlement from Niva Bupa. Refer to the following methods for a quick, hassle-free claims process.

1. To file a travel insurance claim, you first need to contact your insurer, Niva Bupa. 

2. You may also contact the global third-party administrator if you are travelling overseas.

3. You can raise a claim for travel insurance online, by mail, or even in person. You can do so both while overseas and upon returning to India.

4. You must submit a duly completed claim form along with the required documents for the type of claim, such as loss of baggage, trip cancellation, medical emergency, or death.

Besides this, one can make two types of claims in a medical emergency. 

Cashless Claim

Niva Bupa is partnered with Europ Assistance, a global third-party administrator, to provide cashless claims to hospitals and healthcare centres worldwide.

• The customer initiates the claim to Europ Assistance via a toll-free number or email. 

• The TPA-Europ Assistance will contact the customer and provide them with travel insurance details.

• Europ Assistance will then initiate the GOP (Guarantee of Payment) process with the hospital where the customer will receive treatment.

• Europ Assistance will request the documents from the hospital or the customer and, after assessing the claim, send them to Niva Bupa for approval/rejection/query/investigation.

• Our medical team will approve the claim by email.

• The GOP will be released to the hospital as per the amount claimed.

• The hospital will contact the Europ Assistance team if any additional amount is required.

• At discharge, documents will be sent to Europ Assistance for approval.

• After discharge, the hospital will send the documents to Europe Assistance for settlement.

Reimbursement Claim 

Mandatory Documents Required for Reimbursement Claims

1. Claim form

2. KYC

3. Cancelled cheque of the proposer

4. Discharge summary 

5. Final bill along with the break-up

6. Payment receipt

7. All investigation reports

How to Avoid Travel Insurance Claim Rejection?

To avoid travel insurance claim rejection, provide accurate information while buying the policy, inform the insurer promptly during an incident, and submit complete documents. Most rejections occur due to non-disclosure, delays in intimation, or claims that fall under exclusions.

Here is a checklist to consider before and when applying for a claim to avoid rejection:

1. Disclose all information honestly

2. Understand what your policy covers and excludes

3. Inform the insurer of the incident immediately or as soon as you can

4. Keep all required documents ready

5. Follow the correct claim process

6. Stick to policy terms and conditions

7. Avoid high-risk or uncovered activities

Documents Required for Travel Insurance

As a traveller planning to secure their trip with travel insurance, it is imperative to assess the required documents and provide them to purchase the policy. Here is a list of some of the essential documents needed to buy travel insurance online from Niva Bupa:

1. Passport details of all the travellers

2. Travel and accommodation details

3. Aadhar card

4. PAN Card

5. Medical declaration

6. Proof of finances (for student policies)

7. Programme details (for student policies)

Eligibility Criteria for Travel Insurance

The various eligibility criteria for Niva Bupa's TravelAssure plan include:

• Adults should be between the ages of 18 and 70.

• Dependent children should be at least one day old and are covered until the age of 25.

• Travellers must possess and provide mandatory documents, such as copies of passports, visas, proof of income, and other relevant documents.

Can You Extend or Renew Travel Insurance?

When faced with an emergency trip extension, travellers can avail of emergency trip extension coverage, depending on the specific insurer. 

Travellers looking to extend their international travel insurance coverage when facing an emergency trip extension can avail of up to 7 days of extension coverage. The number of times and the total number of days depend on the specific insurer and the plan opted for. 

Travellers opting for insurance coverage from Niva Bupa can avail of emergency extension coverage of up to $20,000.

Is Travel Insurance Mandatory for Indians?

No, travel insurance is not mandatory for Indians travelling domestically. However, over 30 countries mandate that Indian travellers have travel insurance, either for the visa or upon entry through a port of entry. Even when a country does not mandate travel insurance, it is highly recommended that the traveller avail themselves of such coverage.

List of Countries Where Travel Insurance is Mandatory

In 2026, over 30 countries, including those in the Schengen Area, will require travel insurance as a condition of entry. From making it a visa requirement to checking it at customs and immigration, there are several ways these countries require Indians to present travel insurance. 

Here is a list of some of the countries mandating travel insurance for Indians:

This is among 9+ other countries that strongly recommend that Indian travellers avail themselves of travel insurance when travelling there.

Did You Know?

Many countries require travel insurance as part of the visa application process. All 29 Schengen nations mandate a minimum medical coverage of €30,000. Without valid travel insurance that meets this requirement, your Schengen visa application will be rejected regardless of the other documents. TravelAssure's Schengen plans are designed to meet this exact requirement.

Does Travel Insurance Cover COVID-19?

Most of the world has overcome COVID-19, reducing the scope and impact of its associated risks. However, there are certain regions of the world where COVID-19 is still circulating at a lower severity, similar to the flu. 

There has been a significant drop in the number of active cases, as recorded by the WHO; however, travellers must still consider these risks when travelling abroad. 

In the past, due to the global scale of the COVID-19 pandemic and the requirements set by many countries, travel insurance with COVID-19 coverage became mandatory for travellers visiting certain countries. However, as the scope and extent of the global pandemic have subsided, so have the requirements imposed by many countries mandating travel insurance with COVID-19 coverage. 

Despite this change, Niva Bupa’s TravelAssure policy still offers COVID-19 hospitalisation coverage up to the sum assured. Accordingly, if you are infected or test positive for COVID-19 during your overseas stay, the travel health insurance plan will bear the cost of your treatment and hospitalisation. 

In almost all countries, a COVID-19 infection triggers strict isolation rules, and it is addressed according to the SOP when detected. Therefore, adequate COVID-19 coverage can be handy in times of need.

Travel Insurance vs Health Insurance

Health insurance and travel insurance are different types of insurance that serve various purposes. While health insurance is a risk management system that financially protects travellers from medical expenses, travel insurance protects travellers from both medical and non-medical trip-related expenses. 

As a company that offers both health and travel insurance, Niva Bupa provides world-class international health coverage. Depending on the need, travel insurance also offers broader coverage for non-medical risks, mitigating their financial impact and protecting travellers. 

Travellers can refer to the following table for a clearer understanding of the differences between health and travel insurance:

Travel Insurance vs Credit Card Insurance

Travel insurance is a comprehensive policy you actively purchase to cover medical emergencies, trip cancellations, and travel risks. Credit card insurance is a limited, complimentary benefit offered with certain cards and usually provides restricted coverage with conditions.

For international travel, especially from India, travel insurance offers broader protection and more reliable claims support.

What are the Common Myths About Travel Insurance?

As with any other insurance policy, travellers seeking travel insurance often encounter several myths and misunderstandings, which can lead to confusion and to opting for an inadequate policy with limited coverage as a compromise, further perpetuating the myths. 

Here are some common myths travellers often encounter when researching travel insurance, along with explanations of why they are myths. 

Niva Bupa Travel Insurance for Every Destination

TravelAssure covers 190+ destinations worldwide. We have dedicated travel insurance guides for India's most popular international destinations:

Countries not covered under TravelAssure: Afghanistan, Algeria, Angola, Burkina Faso, Burundi, Cameroon, Central African Republic, Chad, Congo, Djibouti, Eritrea, Ethiopia, Gaza, Guinea, Haiti, Iran, Iraq, Ivory Coast, Kenya, Kosovo, Kyrgyzstan, Lebanon, Liberia, Libya, Mali, Moldova, Mozambique, Myanmar, Nicaragua, Niger, Nigeria, North Korea, Pakistan, Rwanda, Russia, Senegal, Sierra Leone, Somalia, Sudan, Syria, Turkmenistan, Togo, Uganda, Ukraine, Yemen, and Zambia, among others. Always refer to the full negative country list in the policy wording.

Glossary of Travel Insurance Terms

1. 24x7 Travel Assistance: Round-the-clock support for travellers in emergencies.

2. Acute Onset of Pre-existing Condition: A sudden and unexpected flare-up of an existing medical condition.

3. Act of God: Natural events like earthquakes or floods that are beyond human control.

4. Add-ons / Riders: Optional benefits that can be added to enhance the base travel insurance coverage.

5. Adventure Sports Cover: Add-on coverage for activities like skiing, scuba diving, or trekking.

6. Baggage Delay: Compensation for a temporary delay in receiving checked-in baggage.

7. Baggage Loss: Coverage for permanent loss of checked-in luggage during travel.

8. Business Travel Insurance: Insurance designed for work-related travel.

9. Cashless Claim: A claim where the insurer directly pays the service provider, such as a hospital.

10. Cashless Worldwide Network: A global network of hospitals offering cashless treatment to insured travellers.

11. Claim: A request made by the insured to receive benefits under the insurance policy.

12. Claim Form: The document submitted to initiate the claim process.

13. Claim Intimation: Informing the insurer about an incident that may lead to a claim.

14. Claim Settlement: The process of approving and paying a claim by the insurer.

15. Claim Settlement Ratio: The percentage of claims successfully settled by an insurer.

16. Co-payment: A fixed percentage of the claim amount that the insured must bear during a claim.

17. Compassionate Visit: Coverage for a family member’s travel to visit the insured while the insured is in the hospital.

18. Concierge Services: Additional support services like travel guidance and bookings.

19. Coverage: The risks, events, and expenses that are included under the insurance policy.

20. Daycare Treatment: Medical procedures that do not require a 24-hour hospital stay.

21. Deductible: The portion of a claim amount that the insured must pay before the insurer covers the rest.

22. Dental Treatment: Coverage for emergency dental care required during travel.

23. Digital Claims Processing: Online submission and processing of insurance claims.

24. Disclosure: The act of providing all relevant information to the insurer while purchasing a policy.

25. Domestic Travel Insurance: Coverage for trips within India.

26. Emergency Assistance: Immediate help provided during medical or travel-related emergencies.

27. Emergency Cash Assistance: Provision of funds for financial emergencies during travel.

28. Emergency Medical Evacuation: Transport to the nearest suitable medical facility during a serious emergency.

29. Emergency Medical Treatment: Immediate medical care is required for sudden illness or injury while travelling.

30. Endorsement: A modification or update made to an existing insurance policy.

31. Exclusions: Specific situations or conditions that are not covered by the insurance policy.

32. Family Travel Insurance: A plan that covers all family members under one policy.

33. Flight Delay: Compensation for the inconvenience caused by delayed flights.

34. Force Majeure: Unforeseeable events beyond control, such as natural disasters or war.

35. Fraudulent Claim: A false or exaggerated claim made to gain insurance benefits.

36. Free Look Period: A limited period during which the policy can be cancelled for a refund.

37. Global Assistance Network: International support system offering medical and travel assistance worldwide.

38. Grace Period: Extra time allowed to renew a policy after expiry without losing benefits.

39. Group Travel Insurance: Coverage designed for a group of travellers under a single plan.

40. Hazardous Activities: High-risk activities that may require special coverage or are excluded.

41. High-Risk Destination: Locations with increased risk due to political, medical, or environmental factors.

42. Hijack Distress Allowance: Compensation provided if the insured is affected by a hijacking incident.

43. Hospitalisation: Admission to a hospital for medical treatment that requires a stay.

44. Indemnity: Compensation provided to restore the insured to their financial position before the loss.

45. Insurable Interest: A financial interest that the policyholder has in the insured subject.

46. Insured Person: The individual covered under the travel insurance policy benefits.

47. Instant Policy Issuance: Immediate generation of an insurance policy after purchase.

48. Loss of Passport: Coverage for expenses incurred in replacing a lost or stolen passport.

49. Material Misrepresentation: Providing incorrect or incomplete information that affects policy terms, such as having pre-existing diseases.

50. Maternity Coverage: Insurance benefits related to pregnancy and childbirth, if included in the policy.

51. Medical Expenses: Costs incurred for treatment, hospitalisation, and healthcare services during travel.

52. Missed Connection: Coverage for expenses if a connecting flight or transport is missed.

53. Multi-Trip Insurance: A policy that covers multiple trips within a year.

54. Network Hospital: A hospital that has a tie-up with the insurer for cashless treatment.

55. No Medical Check-up Policy: A policy that does not require medical tests before purchase.

56. OPD (Outpatient Department): Medical consultations or treatments that do not require hospital admission.

57. Personal Belongings Coverage: Protection against loss or theft of personal items during travel.

58. Personal Liability: Coverage for legal liabilities arising from accidental damage or injury caused to others.

59. Policy Cancellation: Termination of the policy before its expiry date.

60. Policy Document: The complete contract that details terms, conditions, inclusions, and exclusions.

61. Policy Extension: Increasing the duration of an existing travel insurance policy.

62. Policy Issuance: The process of generating and activating the insurance policy.

63. Policy Lapse: Termination of coverage due to non-payment of premium.

64. Policy Period: The duration for which the travel insurance coverage remains valid.

65. Policy Schedule: A summary document outlining key details like coverage, premium, and insured persons.

66. Policyholder: The person who buys and owns the travel insurance policy.

67. Pre-existing Disease (PED): Any medical condition that existed before purchasing the insurance policy.

68. Premium: The amount you pay to purchase and maintain your travel insurance policy.

69. Proposal Form: The application form filled out by the customer to purchase an insurance policy.

70. Refund / Cancellation Charges: Fees are deducted when a policy is cancelled before its term ends.

71. Reimbursement Claim: A claim in which the insured pays first and is later reimbursed by the insurer.

72. Renewal: Extending the policy for another term after expiry.

73. Repatriation of Mortal Remains: Transportation of the insured person’s remains back to their home country.

74. Risk Assessment: Analysis of potential risks associated with insuring a person or trip.

75. Sub-limit: A cap on specific benefits within the overall sum insured of the policy.

76. Sum Insured: The maximum amount an insurer will pay for claims under a travel insurance policy.

77. Supporting Documents: Required papers like bills, reports, and receipts needed to process a claim.

78. Teleconsultation: Remote medical consultation through phone or video.

79. Third Party Administrator (TPA): An agency that assists in managing claims and healthcare services.

80. Travel Insurance Premium Calculator: A tool that estimates the premium based on travel details and coverage.

81. Trip Cancellation: Reimbursement for prepaid expenses if a trip is cancelled before departure.

82. Trip Delay: Compensation for additional expenses due to delays in scheduled travel.

83. Trip Interruption: Coverage for expenses incurred if a trip is disrupted after it has begun.

84. Underwriting: The process of evaluating risk before issuing an insurance policy.

85. Visa Requirement Insurance: Insurance is required as part of the visa approval process for certain countries.

86. Waiting Period: The time after policy purchase during which certain benefits are not available.