Travel Insurance

What is travel insurance?

Travel insurance is a risk management system that provides financial protection to policyholders when travelling. As a type of insurance, it acts as a contract between the insurer and policyholder, guaranteeing financial protection up to a particular sum in the form of compensation or reimbursement. 

Travellers can claim this financial protection when faced with various medical and non-medical trip-related risks. These risks range from hospitalisation to medical expenses, loss of checked-in luggage or passports, cancellation or disruption of flights, and various other expenses. 

Travel insurance covers the traveller from the date of departure until they arrive back at the place of origin. However, in certain circumstances, like trip cancellation, travellers are covered from the moment of purchasing the policy. 

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 protection policy: These plans cover basic travel risks such as flight delay or cancellation that most insurers provide. Although they offer limited coverage in comparison to travel insurance, their premium amount is comparatively low, as they are offered as add-ons when purchasing travel tickets.

2. Travel health insurance: Travel health insurance offers comprehensive health insurance plans when travelling, enabling travellers to avail themselves of financial protection from any medical expenses incurred while travelling.

3. 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 connection, etc. Niva Bupa’s TravelAssure policy covers dozens of these risks, enabling financial protection and peace of mind. 

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 citizens insurance, group insurance, domestic travel insurance, and international insurance.

• Single trip: Single-trip travel insurance offers travellers coverage for a single round trip lasting from the purchase till they return 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 offers coverage for a specific period instead of a single journey, thus offering convenience and cost-effectiveness. Frequent fliers opt for this type of plan to avoid buying plans repeatedly.

• Student: Students can buy a travel plan that offers coverage for the study duration. To make the plan more student-friendly, they can opt for specialised coverages like sponsor protection and study interruption.

• Group: Group travel offers convenience and more cost-effective premiums to group travellers, covering all of them with the same comprehensive coverage.

• Domestic: Travellers planning a domestic trip should consider opting for domestic travel insurance to secure their trip from non-medical risks such as lost checked-in baggage, trip delay, missed connection, etc.

• International: International travel insurance offers complete coverage for travellers going on international trips.

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

Difference between Health Insurance and Travel 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 when travelling. As a company that offers both health insurance and travel insurance, while Niva Bupa offers health insurance with world-class international health coverage, travel insurance provides more significant coverage for non-medical risks as well, 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:

Features of Travel Insurance in India

As one of the leading travel insurance providers, Niva Bupa offers comprehensive and reliable travel insurance policies at competitive rates, enabling travellers to secure their trip and travel with confidence and peace of mind. The following are some of the key 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 any medical emergency arising from pre-existing diseases for 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 when purchasing the policy.

• 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 both 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.

Why Buy Travel Insurance Policy?

As a traveller, there are several reasons why you should buy travel insurance to secure your trip. From medical risks to non-medical trip-related or miscellaneous risks, travellers can experience financial protection and travel with peace of mind when facing them. Some of the common reasons that make travel insurance necessary are:

1. People are more prone to medical problems in a foreign land, be it within India or overseas, due to a number of factors, from changes in food habits to environmental reasons. Travel insurance helps tackle such circumstances with ease.

2. It protects against baggage losses at airports, theft, and travel scams in many tourist destinations.

3. 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 travellers can also opt for study interruption coverage in their travel plans.

4. 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.

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

If you intend to embark on multiple trips for a set duration, such as within a year, you should buy a travel plan in advance to cover all the upcoming trips with an annual multi trip insurance. And even in the case of 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 five 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 a Travel Insurance Plan?

While it is mandatory to have travel insurance before visiting certain countries, people travelling abroad to any country, in general, 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 and families 

• Senior citizens - because of their higher medical susceptibility 

• Corporate travellers can cover their travel risks while travelling on behalf of their organisation 

• 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 organiser

• Domestic travellers can buy travel plans designed to cover travel risks within the country

How to Compare Travel Insurance Online?

As more and more insurance providers have started offering travel insurance online, including listing all the key features and benefits of opting for them, 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 offer coverage for every destination. Consider your travel destination to understand what coverages you may require and assess whether a particular insurer covers 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 the non-medical trip-related coverages and ensure having them for the best protection. 

5. Total sum assured: Niva Bupa offers a sum assured up to $500,000, so travellers must consider this and tailor it 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 any last-minute hassles when attempting to claim settlement.

Reliability of the insurer: It is imperative to assess an insurer's reliability before choosing a policy to avoid lacking protection when claiming settlement.

Why choose Niva Bupa Travel Insurance Policy?

As one of India's leading travel insurance providers, Niva Bupa offers unique and comprehensive policies that cover the diverse needs of Indian travellers at cost-effective prices. With coverage for dozens of risks, Niva Bupa’s policies offer cashless claims for medical expenses and compensation for other covered incidents, enabling a hassle-free claims experience. 

With over 190 destinations covered today, Niva Bupa has an ever-expanding list of covered destinations, ensuring that your travels are safeguarded wherever you go. Not just this, with Niva Bupa, you can buy the right policy to secure your trip within minutes from anywhere at any time, so take charge of your journey and secure it with travel insurance online from Niva Bupa and get the best coverage against numerous risks. 

Advantages of Niva Bupa Travel Insurance

Niva Bupa is one of the leading travel insurance providers in India. Its comprehensive policies are affordable and reliable, so travellers can significantly benefit from them. Here are some advantages of opting for international travel insurance from Niva Bupa.

Coverage of up to $500,000

Niva Bupa offers travellers a total sum of up to $500,000 for single-trip and student travel insurance. This means that travellers can claim settlement for up to $500,000 when faced with certain risks depending on the specific plan opted for.

Pre-existing disease covered up to 5% of the sum insured, maximum of up to $ 2,500

Niva Bupa provides pre-existing disease coverage to travellers of 5% of the total sum assured or a maximum of $2500 in case of an emergency. If the traveller is a student, they can choose complete pre-existing disease coverage when purchasing the policy for coverage up to the sum assured. 

COVID-19 coverage up to the sum insured

While the world has overcome the COVID-19 pandemic on a global scale, there are still traces of the impacts of COVID-19 in certain countries. Each Niva Bupa plan comes with COVID-19 coverage up to the sum assured to offer the best protection to travellers. 

Coverage for over 190 destinations worldwide

Niva Bupa provides comprehensive international travel insurance coverage in over 190 destinations, enabling travellers to explore the world with peace of mind.

Tailor-made policies for Asia Pacific (APAC), worldwide excluding the USA and Canada, and worldwide including the USA and Canada

Niva Bupa offers tailored coverages and benefits based on the region the traveller is planning to visit. These include specific additional coverages and higher sum assured to best cater to travellers' needs.

Competitive premiums in the market

Niva Bupa offers some of the market's most competitive premiums, enabling travellers to secure their trip with confidence and peace of mind without breaking the bank.

Discount of 10% for two or more members in a policy

Niva Bupa offers groups of travellers with more than two individuals a discount of 10% on the overall premium, thus enabling convenient, efficient, and affordable coverage for all travellers in a single policy. 

What’s Covered Under Niva Bupa's Travel Insurance?

Niva Bupa offers extensive coverage in the form of compensation or reimbursement for dozens of risks, ranging from medical risks such as medical emergencies and personal accidents to missed connections and trip cancellations. Here are some of the key coverages one can expect from Niva Bupa’s TravelAssure policy. 

• 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 traveller's mortal remains 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.

What’s Not Covered Under Niva Bupa's Travel Insurance?

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 vital to check the policy document before participating in an activity that can result in financial loss or harm policyholders’ well-being.

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 furnish mandatory documents like copies of passports, visas, income proof, and other relevant papers.

Documents required for Travel Insurance Policy

As a traveller planning to secure their trip with travel insurance, it is imperative to assess and provide several documents required for purchasing 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 of 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)

How to Buy Travel Insurance Plan Online?

If you want to buy the right travel insurance for your needs, you can do so in several ways. You can purchase the policy offline through an agent, online through a broker, or directly from an insurance provider like Niva Bupa. However, while buying travel insurance from each option is possible, in recent years, insurers like Niva Bupa have made the process of purchasing travel insurance online not only simple and convenient but also paperless and cashless. 

This allows travellers to secure their trip from anywhere at any time, and not just this, but by following just a few easy steps, you can purchase your desired policy within just minutes. If you are looking to buy travel insurance from Niva Bupa, one of the leading insurance providers in India, these are the steps you must follow. 

To apply online, you will need to share certain essential information and submit relevant documents to purchase the policy hassle-free. These details include travel destination, trip duration, number of travellers, type of insurance you are looking for, sum assured, the desired plan, and any add-ons if needed. In addition to this, it is also essential to fill out the medical declaration form and submit valid documents and proofs as necessitated when purchasing the policy.

Follow the given steps to buy travel insurance online from Niva Bupa:

1. Visit the Niva Bupa website and click Travel Insurance in the header.

2. On that page, you can use the drop-down menu to select your travel destination, the departure and return dates, and your phone number.

3. After clicking on view plans, you can input the traveller’s details and continue to check the destination-specific plans for your travel destination. 

4. Review and select the appropriate plans, change the sum insured to the amount you want to insure for your trip and choose any add-ons.

5. After this, click “Next” and fill out the relevant information and medical declaration to purchase the plan of your choice.

Considerations Before Buying Travel Insurance Policy

Before purchasing any policy, travellers must consider several factors to determine and avail themselves of the best coverage for their specific needs. These factors vary from personal details to the destination you would be travelling to. Some of the factors that you need to consider before buying a travel insurance policy are:

• Duration: Travellers should consider how long they will be travelling for and consider opting for a plan with higher coverage if the duration is relatively long. The longer a trip is, the more susceptible a traveller becomes to certain risks. In addition to this, if travellers have several trips planned in a year, opting for multi-trip insurance is beneficial as it is cheaper and more convenient than opting for a policy every time. 

• Nature of the Trip: Choose the plan according to the nature of your trip and what you will be doing there. Travellers planning to go skydiving should only do so after first securing their trip with adventure sports coverage, which is an exclusion (i.e. not covered) unless chosen as an add-on. 

• Sum Assured: Estimate your travel risk and finalise your sum assured accordingly. The sum assured is the total amount you can claim, depending on the specific policy opted for.

• Optional Covers: Review the list of available add-on covers and select judiciously based on your specific needs. Selecting unnecessary covers will only escalate the premium.

• Exclusions: There are several specified circumstances or conditions under which travel insurance is not applicable and is considered not covered. Always familiarise yourself with the exclusions before buying the travel plan to avoid any last-minute hassles.

How to Calculate Travel Insurance Premiums Online?

Travellers looking to secure their trip with travel insurance online can easily calculate the premium prices and determine how much a policy will cost. To do so, a traveller should simply visit the Niva Bupa website and follow the process to purchase the policy. I.e. Fill in the trip details traveller details, choose one of the three plans, select a sum assured, and add any add-ons if applicable. Once these details are added, Niva Bupa will calculate the premium and allow you to preview how much the policy will cost for your trip.

Factors That Affect Your Travel Insurance Premium

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

Trip duration

The duration of a trip significantly impacts the travel insurance premium as it is directly correlational to the risk a traveller might be exposed to, thus leading to an increase in premium. 

Trip destination

Insurers like Niva Bupa divide the world into several regions to offer the best policy for travellers based on their needs. These regions are Asia Pacific, Worldwide excluding the USA and Canada, and Worldwide including USA and Canada. Based on this division, travellers can select a higher sum assured and get additional coverage when visiting a particular destination. Due to this, the premium cost charged for the policy also differs between various countries.

Sum assured

The higher the sum assured, the higher the premium charged. This is because the premium correlates with the sum assured or the total coverage a policy offers.

Plan selected

Whether you opt for a lite, basic, or comprehensive plan, the premium for the policy increases as the degree of coverage increases.

Type of policy opted for 

Travellers can also witness a difference in premiums depending on the policy type. For example, Niva Bupa offers single-trip and student travel insurance as part of its policies. The premium for travellers opting for student travel insurance will differ from that for single-trip travel insurance.

Any particular add-ons opted for

Travel insurance policies, such as student travel insurance, have specific add-ons for travellers to choose from based on their specific needs. For example, student travellers can opt for complete pre-existing disease coverage, which can increase the premium.

Age of the travellers

In certain cases, the age of the traveller also significantly impacts the premium, as older travellers, such as senior citizens, might be more susceptible to certain risks, leading to higher premiums.

What the traveller would do on the trip

In some instances, such as when a traveller is going to take part in dangerous activities such as adventure sports, the premium will be higher compared to others.

Number of travellers

Niva Bupa offers groups of travellers with more than two individuals a 10% discount on the overall premium, thus reducing the premium cost.

How to Lower Your Travel Health Insurance Premium

It is important for travellers to note that it is not possible to unilaterally lower their trip premium; however, depending on the specific choices they make, they can opt for a plan that costs less. 

1. Select a lower sum assured: Select a lower sum assured to reduce your premium.

2. Travel with more travellers: Travelling with more than two travellers in the same plan offers a 10% discount on the premium.

3. Consider the travel duration: The longer the policy period, the higher the premium cost is.

Consider the destination: Some destinations have a higher premium cost than other regions.

How to Claim Niva Bupa 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 and hassle-free claim 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, through mail, or even physically. You can do so both while overseas or when you return to India.

4. 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.

Besides this, one can make two types of claims in the case of 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 intimates 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 e-mail.

• 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 and approved accordingly.

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

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 break up

6. Payment receipt

7. All investigation reports

Steps to Renew Travel Insurance Online/Offline

Travellers should know that they cannot renew a single-trip travel insurance policy; instead, they can purchase a new policy, which can be done from anywhere at any time within minutes. On the other hand, travellers opting for multi-trip travel insurance can renew their policy using the same method as purchasing a new policy the first time. So, if you wish to renew your travel health insurance, you can easily purchase the same policy again from Niva Bupa thus offering convenience and peace of mind.

List of Countries Where Travel Insurance is Mandatory

In 2024, over 30 countries, including those in the Schengen Area, have mandated travel insurance as a criterion for entry. From making it a requirement for a visa to having it checked during customs and immigration, there are several ways by which these countries require travel insurance from Indians. Here is a list of some of the countries mandating travel insurance for Indians:

Myths on Travel Insurance

As with any other insurance policy, travellers looking for travel insurance often encounter several myths and misunderstandings about travel insurance, which can lead to confusion and opting for an improper policy with lacking coverage as a compromise, furthering the myths. Here are some common myths that travellers often face when researching travel insurance and explanations for why they are myths. 

I don’t need travel insurance for a short trip

This is false, as risks do not wait for anything or anyone to cause financial hardships. So there is no lesser risk of unnecessary expenses by travelling for three days rather than five. From trip cancellation to loss of checked-in baggage, any risk that can impact travellers on a longer trip is also applicable to travellers on a shorter trip.

I am fit and healthy and do not require travel insurance

Travel insurance covers medical risks and non-medical trip-related risks, which can lead to significant financial loss and a negative travel experience if not considered or taken precautions for.

Travel insurance is expensive

India has some of the cheapest travel insurance plans while offering similar coverage. Not only does Niva Bupa offer coverages for up to $500,000, but the premium charged for it is competitive and affordable for most travellers.

My claims will be denied

This depends on the specific plan, insurer, and particular incident. Travellers should know that leading insurers like Niva Bupa do everything to ensure quick, efficient, and hassle-free claim settlement, but it is important to know and follow the procedure to have your genuine claims settled.

I will need to buy different plans for each member of my family

That is not true; insurers like Niva Bupa make it very convenient for travellers to secure their family members with the same policy, making the process much more convenient and cost-effective. If you travel with two or more people, you can also get a 10% discount on the premium.

Travel insurance covers everything 

Travellers should know that travel insurance does not cover everything, and every policy has certain limitations, exclusions, and conditions for eligibility. It is essential to understand these limitations and act accordingly.

Travel insurance does not cover senior citizens

This is not true. While different insurers have varying maximum age limits, they offer coverage for seniors up to the age of 70. With Niva Bupa, senior citizens can avail themselves of comprehensive travel insurance.

COVID-19 Coverage

In 2024, most of the world has overcome COVID-19 on a global scale, reducing the scope and impact of these risks. There has been a significant drop in the number of active cases, as recorded by the WHO, with around 147,000 new cases reported from the 1st to the 28th of April, a 48% drop from the previous month, from the 4th to the 31st of March. However, despite this reduction, travellers must 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 has subsided, so have the requirements set up by many countries requiring 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 leads to the applicability of strict isolation rules, and it is addressed as per their SOP when detected. Therefore, adequate COVID-19 coverage can be handy in times of need.