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Trip Cancellation

Trip Cancellation

Coverage for financial loss incurred due to cancellation of trip before its onset

Emergency in-patient Medical treatment

Emergency in-patient Medical treatment

Covered up to sum snsured

Destination Specific Plans

Destination Specific Plans

Separate plans for Asia Pacific region, Europe, USA & Canada and worldwide

Hospital daily cash allowance

Hospital daily cash allowance

Up to $50/day

What is Travel Insurance?

Travel insurance is a type of insurance that is custom-made for people going on domestic and international travels. It addresses the various risks that one may face during travels, including hospitalisation, medical expenses, loss of luggage or documents, cancellation or disruption of flights, and various other costs. Travel insurance covers you from the date of departure till your arrival back at the place of origin. For frequent fliers, a travel plan that remains effective for a certain period is more suitable as it covers multiple travels during the policy period.

    How to Buy Travel Insurance Plan?

    You can buy a travel insurance policy online or by visiting the insurer’s office. While applying online, you need to fill in the basic details like dates of travel, traveler details, coverage required, etc. Then you receive the quote, based on which you can select the travel insurance policy that suits your requirement. There are different types of travel plans customized for different travel needs. These include corporate, single, family, senior citizen, or student travel plans. You can purchase a travel plan that suits you the best. You can also buy travel insurance plans from insurance brokers and agents. However, ensure that they are licensed by the Insurance Regulatory and Development Authority of India. It is worth noting that you may be eligible for discounts if you buy a travel insurance plan online directly from the insurer.

      When to Buy Travel Insurance?

      If you plan to embark on multiple trips, you should buy a travel plan in advance to cover all the upcoming trips. Even in the case of a single trip, buying a travel plan in advance is advisable. Typically, it could be on the date of booking the tickets or a few days after that. You can also buy travel plans at the last minute. But you may miss out on crucial coverages. For instance, travel insurance offers cancellation coverage. But you will miss out on the same if the cancellation happens before the policy start date. In other words, buy your travel insurance well in advance to avail all benefits.

        Why Buy Travel Insurance Policy?

        Some of the common reasons that make a travel insurance important are:

        • People are more prone to medical problems in a foreign land, be it within India or overseas, due to changes in food habits and environmental reasons.
        • Travel insurance helps tackle such circumstances with ease.It protects in case of baggage losses at airports and theft or travel scams in many tourist destinations.
        • Travel insurance protects the policyholder in the event of flight delay or cancellation. It protects you in the event of natural calamities, man-made disasters, flight hijacking, etc. Student travelers can also opt for study interruption coverage in their travel plans.
        • Travel insurance may cover fatalities and repatriation of mortal remains.
        • Travel insurance is a mandatory requirement in more than 30 countries. It is a prerequisite for visa processing while travelling to these countries.

        Who Should Buy a Travel Insurance Plan?

        While it is mandatory to have travel insurance before visiting certain countries, people travelling to any country, in general, should buy a travel insurance plan. Along with, it is advisable for the following travelers to buy a travel insurance plan: Individual travelers and families Senior citizens - because of their higher medical susceptibility Corporate travelers can cover their travel risks while travelling on behalf of their organization Students can buy student-specific travel plans with longer validity People travelling in groups can insist on the purchase of travel insurance by their tour organizer Domestic travelers can buy travel plans designed to cover travel risks within the country

          Advantages/Benefits of Niva Bupa's Travel Insurance Policy

          Some of the reasons why you should choose Niva Bupa's Travel Insurance Policy are:

          • Coverage: Extensive coverage including in-patient hospitalisation, OPD treatment, trip cancellation, loss or delay of luggage, medical evacuation, loss of passport, missing a connecting flight, etc.
          • Pre-existing Diseases: Up to 100% coverage of pre-existing diseases under the emergency in-patient medical cover for students traveling abroad for education on a student visa.
          • Medical Check: No requirement for pre-policy medical check-ups.
          • Claims: You can enjoy a hassle-free claim process.
          • COVID-19: Coverage for hospitalisation due to COVID-19 provided up to the sum assured.
          • Sum Assured: Total coverage of up to USD 250,000
          Hospitalisation
          Standout Features
          Add-on Features
          Exclusions

          Get the most value from TravelAssure

          Extend Policy Period and Coverage
          Hassle-free Claims
          Extend Policy Period and Coverage

          Extension of the Policy Period for a Single Trip Policy

          In order to extend the policy, policyholders can apply for an extension by contacting Niva Bupa’s customer care center or online by paying their premium and submitting all the required documents. This must be done before the policy expires. Once our team has verified the information, they will grant permission for an extension. Customers can also extend the geographical coverage of their policy by paying an extra premium.

          Contact Details for extending coverage

          Niva Bupa Health Insurance Contact No: 1860-500-8888; Fax No.: 011-30902010 Customer Service Portal - Insta Assist (https://rules.nivabupa.com/customer-service/)

          Types of Travel Insurance Plans in India

          There are various types of travel insurance plans offered by insurers in India:

          • Basic Travel Policy: These plans cover basic travel risks that most insurers provide. The premium amount is comparatively low due to the limited coverage.
          • Comprehensive Travel Policy: Comprehensive plans offer a host of optional covers, like medical expenses or repatriation of mortal remains, many insurers may not provide. etc. Notably, Niva Bupa Travel Insurance offers over 40 travel-related covers, including the ones mentioned above.
          • Single Trip: One-time travelers can buy this policy before or after booking their tickets. This policy remains applicable for the duration of that trip.
          • Multi-trip: If the policy buyer has several trips planned for the year, they can opt for a multi-trip policy that offers coverage for a specific period instead of the trip duration. Frequent fliers opt for this plan to avoid buying plans repeatedly.
          • Student: Students can buy a travel plan that offers coverage for the study duration. Covers like sponsor protection and study interruption can be opted for to make the plan more student-friendly.
          • Policy buyers can opt for a single, family, group, or any other plan as per their requirements.

          Eligibility Criteria for Travel Insurance

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

          • Adults should be between the age of 18 and 70
          • Dependent children can be up to the age of 25
          • Travelers must possess and furnish mandatory documents like copies of passport, visa, income proof, and other relevant papers

          Considerations Before Buying Travel Insurance Policy

          Some of the factors that you need to consider before buying a travel insurance policy are:

          • Duration: If you are planning to travel again, it is advisable to opt for a long duration multi-trip travel insurance plan. If your single trip is for a longer duration, the premium will be higher, so plan your trip accordingly.
          • Nature of the Trip: Choose the plan as per the nature of your trip. Someone planning to do sky diving would have different optional covers compared to someone travelling to attend business meetings.
          • Sum Assured: Estimate your travel risk and finalize your sum assured accordingly. The higher the sum assured, the higher will be the premium.
          • Optional Covers: Go through the list of covers available and select judiciously. Selecting unnecessary covers will only escalate the premium.
          • Exclusions: There may be specified circumstances or conditions where the travel insurance is not applicable. Always familiarize yourself with the exclusions before buying the travel plan.

          COVID-19 Coverage

          Due to the global scale of the COVID-19 pandemic, most leading insurance companies offer COVID-19 specific coverages in their travel plans. Niva Bupa TravelAssure provides 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 insurance plan will bear the cost of your treatment and hospitalisation. In almost all countries, a COVID-19 infection leads to the applicability of strict isolation rules and gets addressed as per their SOP when detected. Therefore, adequate COVID-19 coverage can be handy in times of need.

            Frequently Asked Questions

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            First-time premium shown is calculated on the base sum insured (Rs 5 lacs for Health Companion, Heartbeat, Health Premia, Health Pulse and GoActiveTM, Rs 10.5 lacs for Money Saver, and Rs 10 lacs for Health Assurance) of an individual aged 25 residing in Delhi NCR region. The premium changes as per the product features selected and the insured details you submit on the website.

            Terms and conditions apply, please refer to the brochure for complete details.

            Base premium is calculated for Health Companion for an individual aged 25, residing in Delhi NCR. The premium amount is illustrative only and it may vary over the period depending on the type of product, features/add-ons selected, changes to product version, inflation rates, and underwriting decision of the company.

            BEWARE OF SPURIOUS / FRAUD PHONE CALLS!

            Do not share your confidential information like Debit / credit card number, Internet Banking User ID/Password, Pin, CVV, OTP, etc. with anyone.

            Avoid clicking on attachments / payment link received in mails / message from unknown sources.

            IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment or premium. Public receiving such phone calls are requested to lodge a police complaint.

            Do not respond to unsolicited and attractive offers received through unidentified calls, emails, SMSs, and other social media platforms.

            Beware of misleading telephone calls from people posing as Niva Bupa officials, agents, IRDAI Officials, Officials from ECI (Office of the Executive Council of Insurers) etc. and offering alluring benefits or sharing false information on your policy or on Niva Bupa.

            Niva Bupa shall not be responsible for any loss or damages whatsoever for any acts or omissions arising out of such spurious calls, and all customers are advised to contact our customer care at 1860-500-8888 and verify any representations or promises made by any such spurious callers before acting upon the same.

            *The premiums displayed are for illustrative purposes only and will vary as per the family combination and age of the insured members.