Travel Insurance Dubai

Travel insurance is a risk management tool that financially protects travellers from the impact of risks associated with travelling. When going on a trip, travellers are often exposed to certain unexpected risks that can result in financial loss and a negative travel experience.

Whether it is medical emergencies where travellers are expected to pay a much higher healthcare cost or non-medical risks like trip cancellation or loss of checked-in baggage, there are numerous risks to consider when travelling. While the impact of these risks can vary in terms of severity and frequency, opting for UAE travel insurance from India can considerably mitigate these risks and protect travellers from their impact.

As Dubai is a city in the UAE, travellers must first get a UAE visa to enter the United Arab Emirates. Although the UAE has somewhat simplified the visa process by allowing Indian travellers with US, UK, or Schengen visas to get a visa on arrival, not every Indian traveller has a visa for these countries. It is thus important for them to get a pre-approved visa. One such requirement to get a UAE visa is an international travel insurance.

This is why whether you look at travel insurance as a method to get a visa for entry into the UAE, or as an investment to secure your journey, everyone needs UAE visit visa travel insurance.

Travel insurance is a necessary purchase for all travellers, whether it is to get entry into countries mandating travel insurance as a requirement for a visa or whether it is to safeguard your and your family’s financial and medical well-being.

Although travel insurance might feel like an additional step in your way to travel wherever you wish to, with Niva Bupa all it takes is a few minutes. Niva Bupa’s unique and comprehensive travel insurance plans cover dozens of risks simply and affordably giving travellers even more reasons to buy travel insurance for Dubai.

Offering three specially designed plans of varying extents of coverage for over 190 destinations worldwide and a total sum assured of up to $500,000 Niva Bupa is the best choice for your travel insurance Dubai.

Here are some of the key benefits of opting for travel insurance from Niva Bupa:

• Niva Bupa’s Dubai travel insurance provides 24/7 assistance in case of any emergency.
• The policy covers policyholders from expenses incurred due to medical emergencies, personal accidents, COVID-19, medical evacuation, repatriation, pre-existing diseases during emergencies, and more.
• Student travellers are additionally covered for several additional risks with 100% pre-existing disease coverage, study interruption coverage, sponsor protection, dental treatment, maternity expenses, and more.
• Travellers are also covered for non-medical risks like loss of checked-in baggage or essential documents like passport and visa, missed connecting flights, trip delay, interruption and cancellation. 

With Niva Bupa travel insurance, travellers visiting Dubai will be covered for dozens of medical and non-medical risks. Here is a list of some of the key coverages offered under travel insurance Dubai.

• Delay or loss of checked-in baggage: This coverage offers partial or complete reimbursement for significant delay or loss of checked-in baggage.
• Missed connecting flight: This coverage reimburses you for the extra accommodation and travel costs to reach the next destination if you miss a pre-booked connecting flight due to the original flight running late.
• Loss of passport: This coverage reimburses you for the cost of applying for a new passport if the original is lost.
• Dental treatment: This coverage reimburses a pain-relieving dental treatment availed under anaesthesia.
• 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 coverage offers reimbursement for the cost of medical treatment.
• Emergency outpatient treatment: This coverage reimburses any emergency treatment under OPD.
• Medical evacuation: This coverage reimburses the transfer cost from one hospital to another if the primary hospital does not offer appropriate care.
• Emergency trip extension: If the trip is extended due to certain special circumstances, this coverage offers an extension of the policy up to 7 days.
• Personal accident: This coverage offers a payout of up to the sum insured for accidental death or disability.
• Repatriation of mortal remains: This coverage reimburses you for transporting the mortal remains of the traveller or the cost of cremation in the city/country of death.

It is however highly recommended to check the policy document for the specific coverages you are eligible for to avoid any confusion.

While the benefit of any insurance policy is the coverages offered under it, it is also essential for travellers to consider what is not covered and avoid those risks. This is because any loss due to taking part in such activities is not covered and can result in financial loss. It is thus vital to consider them and plan accordingly.

Here is a list of circumstances that 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.

Travellers must also note that this list is just a snapshot and a summary of some of the policy exclusions of Niva Bupa Travel Insurance. It is recommended to always check the policy document for more information when planning a trip.

Regardless of age, fitness, or physical capability, everyone travelling to the UAE is advised to buy UAE travel insurance from India to mitigate the impact of risks. However, as every individual’s needs differ, whether it is the travel destination, extent of coverage, or the cost of premium, choosing an insurance provider for your specific needs can be difficult.

This is where Niva Bupa excels with unique and comprehensive travel insurance for Dubai policy, which covers dozens of risks simply and affordably. Offering three specially designed plans for over a hundred destinations worldwide and a total sum assured of up to $500,000. This is why whether you are travelling for a single trip or as a student for foreign education, there is something for everyone.

This is why whether you are travelling to the country alone or with loved ones, for leisure, business, or education, with Niva Bupa, you can get the best policy for your needs.

Here are the criteria to consider when purchasing Dubai travel insurance from Niva Bupa.

• Adults should be between the ages of 18 and 70.
• Dependent children can be up to the age of 25.
• Travellers must possess and furnish mandatory documents like copies of passports, visas, income proof, and other relevant papers.

With Niva Bupa, it just takes a few clicks to buy online travel insurance Dubai within minutes. By visiting the Niva Bupa website and clicking on Travel Insurance, travellers can find a simple and intuitive portal to purchase the best travel insurance for Dubai and over 190 other destinations worldwide.

• So visit the Niva Bupa website and click Travel Insurance in the header.
• Use the drop-down menu on that page to select the United Arab Emirates, the departure and return dates, and the phone number.
• You will be shown UAE travel insurance from India plans once you click to view plans.
• There, you can select your needs, such as whether you are going alone or with family, whether it is an independent trip or a corporate visit; there are also plans for students and senior citizens.
• 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.
• Click on “Next” after this and fill out the relevant information along with the medical declaration to purchase the plan of your choice.
• Once the payment is complete, the policy will be emailed to you.

Travellers who are looking to avail travel insurance for Dubai trips should make sure to purchase the UAE travel insurance policy as soon as they buy their flight tickets. This is because although it is convenient to purchase a policy anytime before starting your journey, one of the key coverages offered under travel insurance is trip cancellation.

Under this coverage, policyholders can claim compensation for non-refundable deposits spent on transportation and accommodation. This coverage, however, is only applicable if the policy duration has begun and thus requires a purchase before a trip is cancelled.

Other than this, travellers are also advised to buy travel insurance for Dubai from India early to avoid any last-moment challenges associated with purchasing it. 

Foreign travel is expensive and it can be hectic when faced with risks that can add unnecessary additional expenses. Travel insurance is a tool to counter this stress and anxiety and thus the claims process needs to be hassle-free for the policyholder.

Niva Bupa offers a simple and convenient claim experience at Niva Bupa. We aim to help you travel with the utmost peace of mind with a straightforward claim process. Here are the steps to request a claim with Niva Bupa for travel insurance for Dubai from India.

• To file a travel insurance claim, you first need to contact your insurer, Niva Bupa.
• If you are travelling overseas, you may also contact the global third-party administrator.
• You can raise a claim online, through e-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.

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

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 the required travel insurance for Dubai details.
• Europ Assistance will then initiate the GOP (Guarantee of payment) process with the hospital where the customer will receive treatment.
• Europ Assistance will ask for the documents from the hospital or the customer and, after assessing the claim, will 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.

• Claim form
• KYC
• Cancelled cheque of the proposer
• Discharge summary
• Final bill along with break up
• Payment receipt
• All investigation reports

Indian citizens looking to visit Dubai must first get a UAE visa to enter the country. Although from 7 January 2024, eligible Indian nationals can obtain a single entry, 14‑day visa on arrival, the eligibility is limited to Indians with a US, UK, and Schengen visa. Other Indian citizens would need to opt for a pre-approved visa from a Dubai visa application centre.

If you're planning a visit to Dubai, there are various types of visas to accommodate different travel needs, depending on your eligibility:

• Single entry and multiple entry short-term tourist visa
• Multiple-entry long-term tourist visas
• Transit visa
• Visa on arrival
• eVisa for residents of GCC countries

If you wish to avail one of these visas, you will be required to submit certain documents. Here is a list of a few essential documents for a visa application.

• Colour photograph of the applicant
• Colour copy of applicant's passport. The passport must be valid for at least six months
• The original application form (available at all Emirates ticketing offices)
• Copy of the Emirates ticket
• Proof of relationship if applying for a family member ‑ birth certificate, marriage certificate, and family book

These documents must be submitted in hard copy at a visa application centre. 

Indian travellers visiting Dubai are required to carry several documents during their entry and stay in the United Arab Emirates. Here are a few essential documents one must carry with them when travelling to Dubai.

• Passport with a validity of at least 6 months post the date of return.
• Flight tickets with valid return flight tickets
• An applicable type of visa for entry
• UAE travel insurance
• Passport-size coloured photographs

If you are considering a visit to Dubai, typically the best time to visit the city is during the winter months. Most travellers prefer the months of November to March and April for their trips as the weather is pleasant with a hint of rain typically between 17-30° C. Not only this, the city comes to life during the peak months of January and February due to the Dubai shopping festival bringing in a heavy number of tourists from across the world.