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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.

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.

Niva Bupa is one of the leading insurance providers in India, offering unique and comprehensive policies which cover the diverse needs of Indian travellers. With coverage for dozens of risks, Niva Bupa’s policies offer cashless claims for medical expenses and compensation for other covered incidents. With an expanding list of covered destinations, Niva Bupa ensures that your travels are safeguarded wherever you go. So buy travel insurance online from Niva Bupa and get the best coverage against numerous risks.

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.

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.

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

Niva Bupa offers extensive coverage, protecting travellers from various risks they might be exposed to while travelling.

• Delay or loss of checked-in baggage This travel insurance coverage offers reimbursement for significant delay or loss of checked-in baggage.
• Missed connecting flight This coverage under travel insurance reimburses you for the extra accommodation and travel costs to reach the next destination if you miss a pre-booked connecting flight due to a late primary flight.
• Loss of Passport This coverage reimburses you for the cost of applying for a new passport if the original is lost.
• Dental Treatment This travel insurance coverage reimburses pain-relieving dental treatment under anaesthesia. However, this coverage is only applicable in cases of emergency, such as accidents and sudden acute pain.
• Trip delay, cancellation, interruption These three separate coverages offer reimbursement for part of the travel and accommodation costs if your travel is delayed, cancelled, or interrupted due to certain conditions mentioned in the policy document.
• Medical emergency (hospitalisation): This travel insurance coverage offers cashless claims and reimbursement for the cost of medical treatment.
• Emergency outpatient treatment This travel insurance covers and reimburses any emergency treatment under OPD
• Medical evacuation This coverage offers cashless claims and reimburses the cost of transferring patients from one hospital to another if the primary hospital does not provide appropriate care
• Emergency trip extension If the trip is extended due to certain exceptional circumstances, this coverage offers an extension of the policy up to $20,000
• Personal accident This coverage offers a payout of up to the benefit limit as per the selected plan for accidental death or disability.
• Repatriation of mortal remains This coverage reimburses you for the cost of transporting the mortal remains of the traveller or the cost of cremation in the city/country of death.

Niva Bupa offers these coverages bundled in curated plans for each country, offering specific coverage options. When considering these plans, remember that some covers may require specific criteria to claim them, so it is advised to properly read the policy document to understand whether you fulfil these criteria.

Exclusions are specific risks and activities that an insurance provider does not cover. If a policyholder incurs a loss due to participating in such activities, their claim might be rejected. These exclusions are clearly stated under the travel insurance policy document and thus need to be considered when purchasing a policy. By considering these exclusions, travellers can accurately plan their journeys and take adequate measures to protect themselves from these risks. Here is a list of activities and risks which Niva Bupa does not cover.

• These include treatment for any injury or illness resulting from nuclear or radiological emissions, war or rebellion, and specific acts of terrorism.
• Active participation in military exercises, war games, or engagement with the enemy.
• Any loss or injury due to committing or attempting to breach the law with criminal intent
• Expenses for cosmetic or plastic surgery or any treatment to change appearance, including obesity or weight control programs. Unless in certain circumstances as listed in the policy document
• Maternity expenses
• Non-prescription or unproven drugs or treatments
• The provision of fitting of hearing aids, spectacles or contact lenses, including optometric therapy, any treatment, and associated expenses for alopecia, baldness, wigs, or toupees, medical supplies including elastic stockings, diabetic test strips, and similar products.
• If the insured person is travelling against the advice of a Doctor or is receiving or on a waiting list for specified medical treatment
• Death, injury, medical condition, or disability resulting from suicide or attempted suicide, self-inflicted wound or illness, consumption of alcohol or drugs, and depression.
• Countries with travel restrictions for Indians.
• Medical Tourism
• Damages due to adventure sports unless part of coverage
• Expenses related to any admission specifically for diagnostics and evaluation purposes that are not related or incidental to the current diagnosis and treatment.

However, remember that this list is just a summary of the exclusions, and the policyholder needs to refer to the policy document for the complete list. It is always vital to check the policy document before participating in an activity that can result in financial loss or harm policyholders’ well-being.

The following are some of the features of Niva Bupa Travel Insurance:

• Extensive coverage- Plans under travel insurance cover a diverse range of risks. These risks include trip delay, interruption, cancellation, loss of checked-in baggage, medical emergencies, personal accidents, medical evacuation, etc
• Pre-existing disease coverage- Niva Bupa offers 100% pre-existing disease coverage for student travellers as an add-on, allowing them to study with peace of mind. Travellers with single-trip travel insurance policies are also covered for pre-existing diseases up to 5% of the total sum assured, up to a maximum of US $2500.
• No pre-policy check-up- Plans offered under TravelAssure require no pre-policy check-up, offering convenience and peace of mind.
• Simple and intuitive purchase process- Niva Bupa offers a simple and intuitive way to purchase policies directly from our website.
• Sum assured- Niva Bupa offers a total claim limit of up to US $500,000 for single-trip policies and student travel policies.
• COVID-19 coverage- TravelAssure plan comes with coverage against hospitalisation expenses resulting from COVID-19.
• Hassle-free claims process- Niva Bupa offers cashless claims for medical expenses and compensation for loss borne due to other covered risks.

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.

When faced with unexpected travel expenses due to emergencies, travellers need to get a simple and hassle-free claim experience. By following the given steps, travellers can request a claim with Niva Bupa:

• To file a travel insurance claim, you first need to contact your insurer, Niva Bupa.
• You may also contact the global third-party administrator if you are travelling overseas.
• No requirement for pre-policy medical check-ups.
• You can raise a claim for travel insurance online, through mail, or even physically. You can do so both while overseas or when you return to India.
• You must submit a duly filled claim form along with the required documents based on the type of claim—for example, loss of baggage, trip cancellation, medical emergency, or death.

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

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.

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.