Travel Insurance

Last Updated: June 2026

Why Choose Niva Bupa Travel Insurance?

TravelAssure by Niva Bupa is India's specialist travel insurance plan from the country's leading standalone health insurer. Designed exclusively for Indian travellers, it covers medical emergencies, trip disruptions, and personal protection across 190+ destinations, with no pre-policy medical check-up required and 0% GST on all premiums.

5 reasons travellers choose TravelAssure:

1. Medical Cover Up to $500,000: Emergency hospitalisation, OPD treatment, dental emergencies, and medical evacuation, all covered up to your chosen sum insured.
2. No Sub-limits on Comprehensive Plans: Our Comprehensive plan carries no room rent or treatment sub-limits on inpatient cover. You get the full sum insured working for you.
3. 100% PED Cover for Students: Students can add complete pre-existing disease coverage to their plan, 100% of sum insured with no cap on the claim amount.
4. 10% Discount for 2+ Travellers: Insure two or more travellers under one policy and get 10% off the total premium automatically.
5. Cashless Claims Worldwide: Niva Bupa partners with Europ Assistance, a global TPA, for 24x7 cashless hospitalisation at hospitals worldwide.

Niva Bupa Travel Insurance Plans: Choose Yours

TravelAssure offers five plan types built for different travellers. All plans are available as Basic or Comprehensive variants with sum insured options from $50,000 to $500,000. All plans attract 0% GST.

TravelAssure Individual: Single Trip Travel Insurance and Family Travel Insurance

Best for: Solo travellers, couples, and families on international leisure, business, and family  visits.

Eligibility: Adults aged 18–70 years | Children 1 day–25 years | Policy duration up to 180 days (extendable to 365 days)

Sum Insured Options: $50,000 | $100,000 | $200,000 | $250,000 | $300,000 | $500,000

Coverage under the Family plan mirrors the Individual TravelAssure plan with the same benefit structure available in Lite, Basic, and Comprehensive variants. All family members are covered under a single policy with a single premium.

TravelAssure Student: Study Abroad Travel Insurance

Best for: Indian students on full-time programmes abroad in the UK, USA, Canada, Australia, Germany, Netherlands, Ireland, New Zealand, and other countries.

Eligibility: Age 12–40 years | Policy duration 1–36 months | Covers students on student visas | Includes India cover while on student visa until policy end date

Sum Insured Options: $50,000 | $100,000 | $200,000 | $250,000 | $300,000 | $500,000

Coverage Zone: Worldwide including USA/Canada · Worldwide excluding USA/Canada

Note: Study Interruption covers non-refundable semester fees and one-way airfare home if studies are interrupted due to 30+ days of hospitalisation or death/permanent total disability of a sponsor or immediate family member.

Note: Sponsor Protection covers remaining tuition fees and one return economy airfare if the sponsor dies or suffers permanent total disability due to an accident during the policy period.

TravelAssure Adventure & Sports Travel Insurance

Best for: Skiers, scuba divers, trekkers, surfers, and adventure travellers heading to Switzerland, New Zealand, Bali, Thailand, Austria, and similar destinations. Adventure sports coverage is included as a base benefit, not an add-on.

Eligibility: Adults aged 18–70 years | Children 1 day–25 years | Policy duration up to 180 days

Sum Insured Options: $50,000 | $100,000 | $200,000 | $250,000 | $300,000 | $500,000

TravelAssure Honeymooners Travel Insurance

Best for: Newlywed couples on international honeymoon trips to Paris, Maldives, Bali, Switzerland, Italy, Greece, Spain, and similar destinations.

Eligibility: Adults aged 18–70 years | Policy duration up to 180 days | Includes adventure sports coverage as standard

Sum Insured Options: $50,000 | $100,000 | $200,000 | $250,000 | $300,000 | $500,000

TravelAssure Plan Comparison: Lite vs Basic vs Comprehensive

All three variants cover emergency medical treatment up to the sum insured. The difference is in how many benefits are included and whether inpatient treatment carries sub-limits. Choose Lite for core coverage, Basic for trip and baggage protection, and Comprehensive for the fullest protection including no inpatient sub-limits.

All figures below are in USD. Applies to Worldwide including/excluding USA and Canada.

Note: All amounts in USD. Deductibles apply per benefit as per policy wording. Certain benefits have waiting periods or conditions attached. Always refer to the policy wording for complete terms.

Key Features of Niva Bupa Travel Insurance

Trip-Related Cover

• Trip Cancellation Covers financial loss from cancellation of your trip before departure. Non-refundable flight tickets, hotel bookings, and prepaid expenses covered up to $500 (Basic and Comprehensive plans).
• Trip Delay Financial assistance for every 4 hours of delayed departure due to weather, strike, carrier equipment failure, or operational issues. Up to $25–$50 per 4-hour block.
• Total Loss of Checked-in Baggage Lump sum compensation if your checked-in baggage is permanently lost by the carrier. Up to $500 on Comprehensive plans.
• Loss of Laptop, Tablet, Mobile, Camera Covers loss due to robbery or theft. Depreciated value reimbursed based on equipment age. Up to $300–$500 depending on plan.
• Loss of Passport & International Driving Licence Covers the cost of obtaining a duplicate or fresh passport and international driving licence if lost during a trip. Up to $100 per document.
• Loss of Baggage and Personal Belongings Lump sum if your baggage or personal belonging is lost in transit. Up to $200 (Honeymoon plan).
• Cruise Cover Covers missed port departure, unused excursions due to illness, and travel costs to rejoin the cruise after hospital treatment. Up to $500 (Comprehensive plan).
• Missed Connections Covers additional travel and accommodation costs if you miss a connecting flight due to a carrier delay. Up to $300 (Comprehensive plan).
• Bounced Booking Financial assistance to arrange alternate bookings if your original hotel or carrier booking is cancelled by the provider. Up to $300 (Comprehensive plan).

Medical Cover

• Emergency Hospitalisation Covers emergency inpatient treatment requiring hospitalisation for 24 hours or more. Up to $500,000 on Comprehensive plans with no inpatient sub-limits.
• Personal Accident Compensation for accidental death or permanent total/partial disability. Up to $25,000 on Comprehensive plans.
• Emergency Medical Evacuation Covers transportation from one hospital to another if medical services are inadequate. Doctor-prescribed and medically necessary. Up to $100,000.
• Repatriation of Mortal Remains Covers the cost of transporting mortal remains to the insured's home city or covers local cremation costs. Up to $100,000.
• Hospital Daily Cash Daily cash allowance for each day of hospitalisation, starting from day 3. Up to $50/day for a maximum of 10 days.
• Road Ambulance Covers registered ambulance costs for transportation to a hospital. Up to $2,000.
• Emergency Outpatient Treatment (OPD) Covers outpatient medical treatment for both accident and illness, no hospitalisation required. Up to $10,000 (Comprehensive plan).
• Emergency Dental Treatment Covers dental treatment under anaesthesia following an accident or sudden acute tooth pain. Up to $300–$500.
• Compassionate Visit Economy class airfare for one family member or friend to visit you if you are hospitalised abroad for more than 5 consecutive days. Up to $500.

Other Features

• Hijack Daily Allowance Daily financial allowance if your carrier is hijacked for more than 12 hours. $50/day for up to a maximum period as per policy terms.
• Personal Liability Covers your legal liability for unintentional injury, property damage, or death caused to a third party during your trip. Includes investigation, defence, and settlement costs. Up to $100,000 (Comprehensive plan).
• Financial Emergency Cash Emergency financial assistance if you are left without travel funds due to robbery or theft during your trip. Up to $500 (Comprehensive plan).
• Mugging Benefit Separate coverage if you are mugged during your trip. Up to $100 (Comprehensive plan).
• Upgradation to Business Class Covers the cost difference for a business class return ticket if you are hospitalised for 5 or more consecutive days. Up to $200 (Comprehensive plan).
• Debit / Credit / FOREX Card Fraud Covers financial loss due to fraudulent use of a lost or stolen debit, credit, or FOREX card during your trip. Up to $500 (Comprehensive plan).
• Study Interruption (Student Plan) Reimburses non-refundable semester fees and one-way airfare home if studies are interrupted due to 30+ days of hospitalisation or sponsor death/PTD.
• Sponsor Protection (Student Plan) Covers remaining tuition fees and one return economy airfare if the sponsor dies or suffers PTD due to an accident during the policy period.
• Adventure Sport Cover (Adventure & Honeymoon Plans) Covers claims arising from participation in adventure sports including skiing, scuba diving, trekking, surfing, and other pre-approved activities.
• COVID-19 Coverage Hospitalisation expenses due to COVID-19 covered up to the full sum insured across all plan types.

What is Travel Insurance and How Does It Work?

Travel insurance is a policy that provides financial protection against unexpected expenses during a trip, covering medical emergencies, trip cancellations, lost baggage, passport loss, and personal liability. It is a contract between the insurer and the policyholder that guarantees compensation or reimbursement up to a defined sum insured.

Coverage begins on the departure date and remains active until the traveller returns to their point of origin. For trip cancellation benefits, coverage starts from the date of policy purchase. Per IRDAI regulations, travel insurance must be purchased before leaving India.

According to IRDAI guidelines, over 30 countries, including all 29 Schengen nations, require proof of valid travel insurance as a condition of visa approval or entry, making it not just advisable but mandatory for many Indian travellers.

Why Do You Need Travel Insurance for International Trips?

International travel carries financial and logistical risks that domestic travel does not. From expensive medical treatment abroad to trip disruptions and document loss, the financial exposure of an uninsured international trip is significant.

Medical costs abroad are high. A single hospitalisation in the USA can cost $3,000–$10,000 per day. Emergency surgery or ICU stays can run into lakhs of rupees. Without travel insurance, these costs are entirely out-of-pocket.

Trip disruptions are common. Flight delays, cancellations, missed connections, and lost baggage happen on millions of trips every year. These situations lead to unplanned hotel stays, rebooking fees, and emergency purchases, all covered under TravelAssure.

Documents and legal risks are real. Losing your passport or facing travel fraud in a foreign country without support is difficult to manage alone. Travel insurance covers passport replacement costs and provides 24x7 global assistance.

Visa compliance is mandatory. Travel insurance is a mandatory visa requirement for all 29 Schengen countries, the UAE, Cuba, Turkey, Georgia, Moldova, Romania, Qatar, and over 25 other destinations. Without valid insurance with minimum coverage, your visa application will be rejected.

What Does Niva Bupa Travel Insurance Cover?

Niva Bupa provides financial protection across four coverage categories:

Medical Coverage

• Emergency inpatient hospitalisation (24+ hours): Covered up to sum insured, no sub-limits on Comprehensive plan

• Emergency outpatient treatment (OPD): Covered up to $10,000 on Comprehensive plan

• Emergency dental treatment: Up to $200–$500 depending on plan

• Medical evacuation to nearest suitable facility or back to India: Up to $100,000

• Repatriation of mortal remains: Up to $100,000

• Compassionate visit for one family member: Up to $500

• Hospital daily cash from day 3: Up to $50/day for 10 days

• Road ambulance: Up to $2,000

• Tele medical consultation: Included (Adventure and Honeymoon plans)

Travel-Related Coverage

• Trip cancellation and interruption: Up to $500

• Trip delay (every 4 hours): $25–$50 per block

• Missed connection: Up to $300

• Total loss of checked-in baggage: Up to $500

• Delay of checked-in baggage (6+ hours): Up to $200

• Loss of passport and international driving licence: Up to $100 each

• Bounced booking (hotel or carrier): Up to $300

• Emergency trip extension (up to 7 days, emergency only): Up to $20,000

Personal and Financial Protection

• Personal accident (accidental death / PTD / PPD): Up to $25,000

• Accidental death and disability, common carrier: Up to $5,000

• Personal liability (unintentional injury or property damage): Up to $100,000

• Financial emergency cash (theft / robbery): Up to $500

• Hijack daily allowance (12+ hours): $50/day

• Debit / credit / FOREX card fraud: Up to $500

• Mugging benefit: Up to $100

Additional and Plan-Specific Benefits

• COVID-19 hospitalisation: Up to full sum insured (all plans)

• Pre-existing disease emergency coverage: Up to $2,500 (single-trip) or 100% of SI (student add-on)

• Adventure sports coverage: Included on Adventure and Honeymoon plans; available as add-on on Pro variants

• Cruise cover (missed port, unused excursions, rejoining after hospitalisation): Up to $500

• Upgradation to business class (5+ days hospitalised): Up to $200

• Study interruption: Up to $10,000 (student plan)

• Sponsor protection: Up to $10,000 (student plan)

• Maternity and newborn cover: $1,000–$3,000 (student plan, 24-month wait)

• Cancer screening and mammographic examination: Up to $200 (student plan)

• Bail bond: $500 (student plan)

• Sports equipment hire and rented equipment loss: Up to $500 each (adventure plan)

• Physiotherapy post accident or illness: Up to $500 (adventure plan)

What is Not Covered Under Niva Bupa Travel Insurance?

Understanding exclusions prevents claim rejection. The following situations are not covered under TravelAssure:

High-risk external events

• Injuries or losses arising from war, invasion, rebellion, or civil unrest

• Nuclear or radiological exposure

• Specific acts of terrorism as defined in the policy

Illegal or intentional acts

• Loss or injury while committing or attempting a criminal act

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

Medical and lifestyle exclusions

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

• Maternity expenses (except under the student plan after the 24-month waiting period)

• Experimental or unproven treatments

• Spectacles, contact lenses, and vision correction aids

• Hair loss treatments, wigs, or cosmetic enhancements

• Medical consumables such as test strips or support stockings

Pre-existing and advisory conditions

• Travelling against a doctor's advice

• Planned or scheduled medical treatment abroad

• Undisclosed or incorrectly declared medical conditions

Self-inflicted and substance-related risks

• Self-harm or attempted suicide

• Losses caused by alcohol or drug consumption

Travel-specific exclusions

• Travel to any country on the TravelAssure Negative Country List (including Afghanistan, Iran, Iraq, North Korea, Pakistan, Russia, Syria, Ukraine, Yemen, and approximately 40 others)

• Medical tourism where treatment is the primary purpose of travel

• Adventure sports on standard plans unless the Adventure & Sports plan variant is selected

• Diagnostic tests not related to active treatment

• Baggage delays on the return journey to India

• Items confiscated or detained by customs, police, or public authorities

Important: This is a summary of common exclusions. The complete list of exclusions, conditions, deductibles, and sub-limits is in the TravelAssure policy wording. Always read the full policy document before purchase.

Types of Travel Insurance Plans in India

By Plan Type

• TravelAssure Comprehensive: Broadest coverage, no inpatient sub-limits, all 27 benefits, highest personal accident and liability limits

• TravelAssure Basic: Core medical + trip protection + baggage + OPD, ideal for most international travellers

• TravelAssure Lite: Entry-level, core medical and repatriation, for budget-conscious travellers on lower-risk destinations

By Traveller Profile

• Individual / Solo Travel: Single-trip plan for one adult

• Family Travel: One policy covering all family members; 10% discount for 2+ travellers

• Student Travel: 1–36 month plans with study interruption, sponsor protection, maternity, and 100% PED cover option

• Adventure & Sports: Includes adventure sports as standard; adds equipment and physiotherapy cover

• Honeymooners: Includes card fraud, emergency accommodation, personal belongings, and adventure sports

By Trip Type

• Single Trip: Covers one international round trip. Duration up to 180 days, extendable to 365 days. Best for occasional travellers.

• Student / Long-stay: Covers 1–36 months for students studying abroad. Includes India coverage while on student visa.

By Destination Zone

• Asia Pacific (APAC): Sum insured $50,000–$100,000. Covers countries in the Asia Pacific region.

• Worldwide excluding USA/Canada: Sum insured $50,000–$500,000. Lower premiums for non-USA/Canada destinations.

• Worldwide including USA/Canada: Sum insured $50,000–$500,000. Highest coverage for the most expensive healthcare destinations.

How Much Does Niva Bupa TravelAssure Cost?

TravelAssure premiums depend on destination zone, trip duration, sum insured, plan type, traveller age, and number of travellers. All premiums attract 0% GST, the price shown at purchase is the final price.

0% GST on TravelAssure Plans

The GST Council removed GST on travel insurance premiums effective 22 September 2025. All TravelAssure plans, Basic and Comprehensive, are now available with 0% GST. The premium you pay is the base premium with no tax added on top.

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 taken for this estimate is a 35 years old man and woman along with 2 children and coverage of $250,000 travelling to the United States. This estimate will be different depending on the number of travellers, destination, number of destinations, pre-existing conditions, and duration among other aspects listed in the following section.

What Factors Affect Your TravelAssure Premium?

How to Choose the Best TravelAssure Plan for Your Trip?

To choose the right travel insurance plan, match your destination risk, trip duration, and traveller profile to the right plan variant and sum insured.

1. Identify your destination zone: USA or Canada requires the highest sum insured (minimum $100,000 recommended). Schengen requires at least €30,000. Asia Pacific trips can work with $50,000.

2. Choose your coverage tier: Lite for essential medical cover, Basic for full trip and baggage protection, Comprehensive for maximum coverage with no sub-limits.

3. Select the right plan type: Student, Adventure, or Honeymoon if your trip fits one of those profiles.

4. Pick your sum insured: We recommend $200,000–$500,000 for USA/Canada, $100,000–$200,000 for Europe, $50,000–$100,000 for Asia Pacific.

5. Add relevant add-ons: 100% PED coverage for student plans if you have a pre-existing condition.

6. Buy immediately after booking: Trip cancellation coverage only protects costs paid before the policy is issued.

How to Compare TravelAssure Plans Online?

When comparing TravelAssure plan variants on the Niva Bupa website, focus on these parameters:

• Sum insured options, $50,000 to $500,000 across all plan types

• Inpatient sub-limits, Lite and Basic have sub-limits; Comprehensive does not

• OPD coverage, Only included in Comprehensive and Lite (for some regions); not in standard Basic

• Personal liability limit, Varies from $50,000 (Basic) to $100,000 (Comprehensive) to $500,000 (Pro variants)

• PED coverage limit, $2,500 cap on single-trip plans; 100% of SI for student plans with the add-on

• Adventure sports inclusion, Standard on Adventure and Honeymoon plans; available as Pro variants for others

• Exclusions, Review the negative country list and medical exclusions before purchase

How to Buy Niva Bupa TravelAssure Online?

Buying travel insurance is completely online, paperless, and takes under 10 minutes. No pre-policy medical check-up required.

1. Enter your mobile number on this page to start the process

2. Select trip type, Single Trip or Student Travel Insurance

3. Choose your destination(s), Asia Pacific, Worldwide excluding USA/Canada, or Worldwide including USA/Canada

4. Enter your travel dates (account for time zone differences on international trips)

5. Enter the ages of all travellers, two or more travellers on one policy automatically get a 10% discount

6. Choose your sum insured, $50,000 to $500,000

7. Select your plan type, Lite, Basic, Comprehensive, Honeymooners, or Sports and Adventure

8. Review your plan summary, coverage details, destination, dates, travellers, and premium breakdown

9. Complete KYC, Aadhaar, PAN, and medical declaration for all travellers

10. Make payment, your TravelAssure policy document is emailed to you instantly

Once the payment is complete, your policy is active and your trip is protected.

When Should You Buy Travel Insurance?

Buy travel insurance online immediately after confirming your flight bookings and hotel reservations. Trip cancellation coverage only applies to prepaid costs incurred before the policy start date, so the earlier you buy, the more protection you get.

For trips where you have paid non-refundable deposits in advance, buying on the same day as booking maximises your cancellation protection.

Important: Per IRDAI regulations, travel insurance cannot be purchased after leaving India. It must be bought before your journey begins. If you miss buying before departure, you will not be able to get coverage for that trip.

Who Should Buy Travel Insurance From Niva Bupa?

Travel insurance is recommended for:

• 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, higher medical susceptibility makes 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

What Happens If You Travel Without Insurance?

If you travel without TravelAssure or any travel insurance, you bear every unexpected cost personally.

You pay for medical emergencies out-of-pocket. A single hospital visit in the USA can cost $2,000–$3,000. Emergency surgery or a hospital stay can exceed $10,000 per day, a financial risk most travellers are not prepared for.

You lose non-refundable trip costs. If your trip is cancelled due to illness, a family emergency, or visa rejection, flights, hotels, and tour packages already paid for are not recoverable without insurance.

You handle baggage and passport loss alone. Lost luggage, delayed baggage, or a stolen passport adds unexpected costs and logistical difficulty, all of which TravelAssure handles.

You navigate foreign healthcare without support. TravelAssure provides 24x7 global assistance via Europ Assistance, including hospital coordination, emergency evacuation, and cashless treatment. Without insurance, you manage foreign healthcare systems, language barriers, and medical bills alone.

You risk visa rejection. For Schengen, UAE, Turkey, Cuba, Georgia, Qatar, and 25+ other countries, travel insurance is a mandatory visa requirement. Travelling to these countries without valid insurance means your visa application is rejected before your trip even begins.

Real-Life Scenarios Where Travel Insurance Helps

Scenario 1: Medical emergency in New York You are hospitalised in New York with appendicitis during a business trip. The bill comes to $28,000. With Niva Bupa’s comprehensive travel insurance ($100,000 SI), Europ Assistance coordinates cashless payment directly with the hospital. You are discharged and fly home without paying anything out-of-pocket.

Scenario 2: Trip cancelled due to family emergency Two days before your Paris trip, a family member is hospitalised. Your flights and hotel, totalling ₹85,000, are non-refundable. Niva Bupa's trip cancellation benefit reimburses these costs (up to $500 per the policy terms) so the financial loss is minimised.

Scenario 3: Baggage lost on Bangkok layover Your checked-in baggage is permanently lost by the airline on a connecting flight to Bangkok. Niva Bupa’s trip holiday insurance compensates for the permanent baggage loss (up to $500) so you can replace your belongings and continue your trip.

Scenario 4: Student hospitalised in the UK An Indian student on a 12-month student plan in the UK is admitted for 5 days following an accident. TravelAssure covers the full hospitalisation cost, OPD follow-up, dental treatment from the injury, and arranges a compassionate visit for one family member, all through the Europ Assistance network.

Scenario 5: Passport stolen in Istanbul Your passport is stolen while travelling in Turkey. TravelAssure covers the cost of obtaining a replacement passport and provides emergency assistance to guide you through the process at the Indian consulate.

Scenario 6: Flight delayed by 8 hours in Dubai Your Dubai-Mumbai flight is delayed by 8 hours due to carrier equipment failure. TravelAssure pays $50 (2 × $25 for two 4-hour blocks) as trip delay compensation, covering your meals and incidentals at the airport.

Scenario 7: Student's sponsor passes away An Indian student studying in Canada loses their financial sponsor (father) due to an accident. TravelAssure's Sponsor Protection benefit covers remaining tuition fees (up to $10,000) and one return economy airfare home, so education is not disrupted.

How to Claim Niva Bupa Travel Insurance Plans?

Niva Bupa has partnered with Europ Assistance as the global Third-Party Administrator (TPA) for all TravelAssure claims. Europ Assistance operates 24x7 and supports cashless hospitalisation at hospitals worldwide.

Cashless Medical Claims (Abroad)

Use this process for any medical emergency requiring hospitalisation while travelling:

1. Call Europ Assistance immediately on +91 (0) 22 6787 2092 or email nivabupa@europ-assistance.in

2. Europ Assistance contacts you and provides your policy details to the treating hospital

3. Europ Assistance initiates a Guarantee of Payment (GOP) process with the hospital

4. Documents are collected from the hospital or from you and sent to Niva Bupa for approval

5. Niva Bupa's medical team approves the claim by email

6. The GOP is released to the hospital for the approved claim amount

7. At discharge, final documents are sent from the hospital to Europ Assistance for settlement

For additional costs at discharge, the hospital contacts Europ Assistance directly. You are not required to make any payment to the hospital for covered treatment.

Reimbursement Claims

For non-medical claims (baggage loss, trip delay, passport loss, etc.) or where cashless treatment was not possible, file a reimbursement claim:

Information required at time of intimation:

• Full name of the insured

• Policy number

• Date of birth

• Registered email address and local contact number

• Nature of the loss (brief description)

• Coverage under which the claim is being made

• Claim amount with detailed breakup

Mandatory Documents for Reimbursement Claims

• Completed TravelAssure claim form

• KYC documents (Aadhaar / PAN)

• Cancelled cheque of the proposer

• Discharge summary

• Final hospital bill with complete cost breakup

• All payment receipts

• All investigation reports

• For baggage claims: airline Property Irregularity Report (PIR), receipts for purchased replacements

• For passport loss: police complaint copy, embassy communication

• For trip cancellation: airline / hotel cancellation confirmation and receipts

Important: All claims are processed in accordance with policy benefits, terms, and conditions. The final decision on any claim is made after all documents have been received and assessed. Submit complete documents to avoid delays.

How to Avoid TravelAssure Claim Rejection?

Most travel policy insurance claim rejections occur due to non-disclosure of pre-existing conditions, delay in intimation, or claims falling under policy exclusions. Follow this checklist to ensure your claim is processed smoothly:

Before buying:

1. Disclose all pre-existing medical conditions accurately at the time of purchase

2. Read the policy exclusions and the negative country list carefully

3. Add relevant add-ons, 100% PED cover if you have a pre-existing condition

During your trip: 4. Inform Europ Assistance immediately, delays in intimation are the most common reason for rejection 5. Do not pay the hospital directly if you can wait for the cashless process to be initiated 6. Collect all documents, bills, reports, and receipts from day one

At claim submission: 7. Submit a fully completed claim form with all supporting documents 8. Ensure the claim falls within a covered benefit and within benefit limits 9. Follow the exact claim process in your policy wording

Documents Required to Buy Travel Insurance Online

• Passport details of all travellers (passport number, issue date, expiry date)

• Travel and accommodation details (flight booking, hotel confirmation)

• Aadhaar card

• PAN card

• Medical declaration for all travellers

• Proof of finances (for student policies, bank statement or sponsorship letter)

• Programme details / admission letter (for student policies)

Niva Bupa Travel Insurance Eligibility Criteria

Can You Extend or Renew Niva Bupa Travel Insurance Online?

If your trip is extended due to a genuine emergency, TravelAssure provides emergency trip extension coverage for up to 7 days. The sub-limit for this extension is $20,000. You must contact Europ Assistance before the original policy expiry date to request an extension.

For student plans, policies can be renewed or extended at the end of each policy term. Extensions must be purchased before the existing policy lapses.

Is Travel Insurance Mandatory for Indians?

Travel insurance is not universally mandatory for Indian travellers. However, it is a mandatory visa or entry requirement for over 30 countries. For Schengen countries, a minimum coverage of €30,000 is required, TravelAssure plans for Schengen destinations meet this requirement.

Does TravelAssure Cover COVID-19?

Yes. All TravelAssure plans cover COVID-19 hospitalisation expenses up to the full sum insured. If you test positive for COVID-19 during your overseas trip and require hospitalisation, TravelAssure covers your treatment costs subject to standard policy terms.

Although most countries have lifted COVID-19 travel restrictions, the virus continues to circulate globally. An unexpected COVID-19 infection abroad, which triggers mandatory isolation and treatment, can result in significant unplanned expenses. TravelAssure's full-sum-insured COVID-19 coverage ensures you are protected.

What's the Difference Between 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 but 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:

Both work best together. Your Niva Bupa health insurance covers you in India; TravelAssure covers you while abroad.

What's the Difference Between Travel Insurance vs Credit Card Travel 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.

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 via Europ Assistance for emergencies anywhere in the world.

2. Acute Onset of Pre-existing Condition: A sudden, unexpected flare-up of a medical condition that existed before travel insurance policy purchase.

3. Add-on / Rider: Optional benefit added to the base TravelAssure plan to enhance coverage, e.g., 100% PED coverage for student plans.

4. Adventure Sports Cover: Coverage for activities like skiing, scuba diving, trekking, and surfing. Included as standard in TravelAssure Adventure & Sports and Honeymoon plans.

5. Bail Bond: A benefit under the student plan covering bail bond costs if the insured is wrongfully detained or arrested by a foreign authority and is later acquitted.

6. Baggage Delay: Compensation for temporary delay in receiving checked-in baggage, triggered after 6 hours (12 hours for student plans).

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

8. Cashless Claim: A claim where Europ Assistance issues a Guarantee of Payment to the hospital, and the insured does not pay out-of-pocket for covered treatment.

9. Claim Form: The document submitted to Europ Assistance or Niva Bupa to initiate the claim process.

10. Claim Settlement: The process of approving and paying a claim by Niva Bupa following assessment of documents.

11. Compassionate Visit: Coverage for economy class airfare for one family member or friend to visit the insured if they are hospitalised abroad for more than 5 consecutive days.

12. COVID-19 Coverage: Hospitalisation expenses arising from COVID-19 are covered up to the full sum insured under all TravelAssure plans.

13. Deductible: The portion of each claim amount that the insured must bear before TravelAssure coverage applies.

14. Emergency Medical Evacuation: Transportation from one hospital to another, or back to India, when local medical facilities are inadequate. Doctor-prescribed and medically necessary.

15. Europ Assistance: Niva Bupa's global Third-Party Administrator (TPA) that handles cashless hospitalisation and travel assistance for TravelAssure policyholders worldwide.

16. Exclusions: Specific situations, activities, or conditions not covered under TravelAssure. See the What is Not Covered section and the complete policy wording.

17. GOP (Guarantee of Payment): A commitment issued by Europ Assistance to a hospital confirming that covered treatment costs will be paid by Niva Bupa.

18. Hijack Distress Allowance: Daily allowance paid if the insured's carrier is hijacked for more than 12 hours.

19. IRDAI: Insurance Regulatory and Development Authority of India. Niva Bupa holds IRDAI Registration No. 145 (Health category).

20. Maternity Cover: Benefit under the student plan covering delivery, lawful termination of pregnancy, and midwife costs. Subject to a 24-month waiting period.

21. Missed Connection: Coverage for additional travel and accommodation costs when a connecting flight is missed due to a carrier delay.

22. Mugging Benefit: Separate coverage under Comprehensive plans for financial losses resulting from being mugged during a trip.

23. Negative Country List: The list of countries not covered under TravelAssure due to active conflicts, sanctions, or high risk. Refer to the policy wording for the complete list.

24. New Born Baby Cover: Coverage for emergency inpatient treatment and vaccination expenses of a baby born during the policy period, up to 90 days of age. Uses the maternity sum insured.

25. OPD (Outpatient Department): Medical consultations or treatments that do not require hospitalisation. TravelAssure covers emergency OPD up to $10,000 on Comprehensive plans.

26. Personal Liability: Coverage for your legal liability arising from accidental injury to or death of a third party, or accidental damage to third-party property, during your trip.

27. Policy UIN: NBHTIOP26043V022526 (TravelAssure, all variants)

28. Pre-existing Disease (PED): Any medical condition that existed before the policy purchase date. Covered in emergency situations up to $2,500 on single-trip plans, or up to 100% of sum insured on student plans with the optional add-on.

29. Premium: The amount paid to Niva Bupa for TravelAssure coverage. All plans attract 0% GST.

30. Reimbursement Claim: A claim where the insured pays out-of-pocket first and is reimbursed by Niva Bupa after submitting all required documents.

31. Repatriation of Mortal Remains: Coverage for the cost of transporting the insured's mortal remains to their home city, or for local cremation expenses.

32. Sponsor Protection: A benefit under the student plan that covers remaining tuition fees and return airfare if the student's sponsor dies or suffers permanent total disability due to an accident during the policy period.

33. Sports Activity Coverage: Reimburses the cost of unused pre-booked adventure sports activities that had to be cancelled due to a medical emergency. Available under the Adventure & Sports plan.

34. Study Interruption: A benefit under the student plan covering non-refundable semester fees and one-way airfare home if studies are interrupted due to 30+ days of hospitalisation or death/PTD of a sponsor or immediate family member.

35. Sub-limit: A cap on a specific benefit amount within the overall sum insured. Lite and Basic plans carry inpatient sub-limits; the Comprehensive plan does not.

36. Sum Insured: The maximum amount TravelAssure will pay across all claims during the policy period. Options: $50,000 | $100,000 | $200,000 | $250,000 | $300,000 | $500,000.

37. TPA (Third-Party Administrator): Europ Assistance, the agency managing cashless claims and travel assistance for TravelAssure policyholders.

38. Trip Cancellation: Reimbursement for non-refundable prepaid travel costs if a trip is cancelled before departure due to a covered event.

39. Trip Delay: Compensation for expenses incurred due to a delayed departure of a common carrier (flight, train, ship) for reasons beyond the traveller's control.

40. Trip Interruption: Coverage for financial losses incurred if a trip is cut short after it has already begun due to a covered event.

41. Upgradation to Business Class: A benefit covering the cost difference for a business class return ticket if the insured is hospitalised for 5 or more consecutive days abroad.