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  • This-that-and-those about Domestic Travel Insurance

     3.5 / 5.0   by 23 users
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    Exploring India can be an overwhelming experience even for those who are born and brought up here, such is the unimaginable diversity of our nation. It won’t be all hunky-dory as shown in movies, but you will be a happier and ‘richer’ person at the end of it. Enhanced self-esteem, new memories and friends-for-life are other concomitants. Domestic travelling is but an idiosyncratic experience in itself as you get to catalyze your insights and challenge your boundaries without traversing into an intimidatingly unfamiliar terrain (like a country you have never been to).Whether you are roving around the country for professional purpose, on a family vacation, or have sold everything to chase a road-life, travelling will only widen your horizon. So cheers to that!

    So the decision is made. Now what about all those brass tacks you have to think about, like, say, travel insurance? You cannot put a price on peace of mind and hence travel insurance is a must. If unforeseen situations interrupt or cut short your trip after all the bookings are done, this is one way to get back some of your money back. And this is one fine line between a traveler and a smart traveler and the way you pick your domestic travel insurance can definitely be one of the yardsticks to gauge that. Go on… because the effects of your travels are going to last much more than the journey itself.

    What is Domestic Travel Insurance?

    Domestic Travel Insurance, as the name suggests, offers an individual, protection against financial contingencies arising out of such varied conditions as cancelled trips, loss of luggage, medical emergencies, air crash etc., whilst the individual is traveling within the borders of his/her native country.

    Who Needs Domestic Travel Insurance?

    • Any Indian citizen journeying within the country can buy a Domestic Travel Insurance from any insurance company.
    • International travelers with passports of any other country other than India can avail a Domestic Travel Insurance if they submit proofs of work permits or are touring here.
    • The age of the insured person can vary from six months to 70 years. A minor, between age six months and five years shall be indemnified only along with their parent(s) or guardian.

    Features & Benefits

    • Most Domestic Travel Insurance products offered by Indian insurers comes with an info service provider that will send you the most current and travel and health facts regarding your destination.
    • You can request for round-the-clock medical assistance on your phone across the country.
    • Avail recommendations and expert opinions from of medical practitioners, healthcare centers and hospitals across India.
    • Reimbursement of medical costs sustained during hospitalization wherever you are.
    • Emergency situations like evacuation, deportation and repatriation of mortal will be taken care of.
    • 24*7 help available in case of lost luggage.
    • If you need specific itineraries for different cities, highlighting the main tourist gems, that will be provided as well.
    • Most insurance providers will not insist on any medical test to buy domestic travel insurance up to age 70.

    What Does Domestic Travel Insurance Cover?

    Most domestic travel insurance policies in India offers the following covers with slight variations.

    • Accidental demise and PTD (24 hours)
    • Coverage for accidental hospitalization
    • Medical evacuation advantage in case of emergency
    • Deportation of remains benefit
    • Individual liability benefit
    • Accidental hospital money Benefit
    • Hotel accommodation rent if the trip is postponed due to delay in train/ plane arrival.
    • Loss of Ticket - Rail/Flight following accident
    • For transportation of family
    • Additional staff assistance in case of emergency (Only for business tours)
    • Ticket expenses if you miss the train or flight due to an accident

    General Exclusions of Domestic Travel Insurance Policy

    • If the insurance holder is travelling against the advice of a doctor, travelling for medical treatment or is diagnosed with a terminal illness.
    • Suicide, selfwreaked harm, STDs, mental or nervous disorder (such as stress, depression, anxiety etc.)
    • If you are a member of the Military or Armed Forces of any nation and has not specified that.
    • Accidents caused under the influence of alcohol or drugs.
    • Being a part of any attempted crime, civil commotion, misdemeanor, or riot.
    • Working or learning to handle any aircraft, or carrying out duties as a crew member on any aircraft or Scheduled Airline.
    • Participation in adventure and winter sports like skydiving, parachuting, skiing, mountaineering, hang gliding, bungee jumping, scuba diving, or races on any motorized automobile.
    • Activities like caving or pot-holing, hunting or horse-riding, surfing, underwater sports, canoeing and rafting.
    • Complications due to prolonged childbirth or pregnancy.
    • All non-medical expenses.

    This-that-and-those About Domestic Travel Insurance Reviews

  • Page 1 of 2 1 2
    • review Travel Insurance
      "Good protection for luggage"
      0.5 4.0/5 "Great!"
      I generally take Travel insurance with Bajaj , the premium is around Rs.49, I take the policy through the travel agencies for flight booking. They give luggage coverage, if I lost the luggage they will do claim settlement, they used to give acknowledge for the policy. They don't have medical cover in this plan.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Dec 07, 2018
    • review Travel Insurance
      "Enjoy your travel experience without any fear. "
      0.5 4.0/5 "Great!"
      I have bought my travel insurance with ICICI Lombard. They have charged me a good amount but they have deducted twice. When i asked about this, i did not a proper response from them. They have very good insurance amount covered with. Its easy to take the policy. I'm buying the policy whenever i travel and i'm planning to buy the policy for an year since I'm often traveling.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 02, 2018
    • review Travel Insurance
      "travel insurance is very nice"
      0.5 3.5/5 "Pretty good"
      i found the travel insurance reviews useful and thoughts are so useful to take the final decision of the production and the way people are expressing there thoughts is really awesome and make to decide.reviews are always very helpful if it is good or bad
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 26, 2018
    • review Travel Insurance
      "Worst Insurance provider ever "
      0.5 0.5/5 "Unacceptable"
      Hello,, I recently took a travel insurance from Royal Sundaram General insurance for my Thailand trip,,, Unfortunately I encountered sea urchin Bite when I was in Phi Phi Island so wanted to assure myself by consulting a local physician ,, so got an appointment with the local doctor and got the necessary treatment and he billed me about 8000 INR and gave me the proper receipt and case sheet ,, Then I applied to Royal Sundaram General insurance for reimbursement after returning to India,, They initially tried to decline my insurance claim by asking some of my documents that are not even mentioned in the policy claim form but I sent them all the documents they asked and this cost me about 600 INR for courier charges,Finally after all this hardship I have received a reply that my claim could not be processesed due to Low Bill amount which was neither mentioned in my insurance form nor informed me prior to the trip ,, And this is really a silly reason,,so never believe this scumbags
      Was this review helpful? 1
      , madurai
      Reviewed on Oct 31, 2018
    • review Travel Insurance
      "AVERAGE"
      0.5 3.0/5 "Satisfactory"
      I am holding the two wheeler policy with the NEW INDIA ASSURANCE and the process of getting this policy is easy and i have been using this policy from last 3 months. The policy coverage is for the 3rd party insurance includes. I have not experienced the claim in this policy.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Oct 16, 2018
    • review Travel Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      I have got the Travel insurance policy from the ICICI LOMBARD GENERAL INSURANCE company around 2 years ago. the customer support service is good with the ICICI Lombard. This policy covers myself and this policy has the coverage of Rs,15,00,000 and I am satisfied with it.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Apr 04, 2018
    • review Travel Insurance
      "Claim was rejected becuase of unnescceary reason"
      0.5 0.5/5 "Unacceptable"
      I have taken a travel insurance policy for 53 days from iffco tokio and baggage got delay on the fight on the last day of policy expiration. When I try to do the claim, they are giving different excuse to give the claim. Very poor claim service. I will not recommend this insurance company to anybody.
      Was this review helpful? 3
      , new delhi
      Reviewed on Jan 26, 2018
    • review Travel Insurance
      "Very easy to get."
      0.5 5.0/5 "Blown Away!"
      It was nice of these insurance providers that they have given travel insurance for my Tour to Germany at very low cost. The benefits offered were very nice at the reasonable charges. I had face no issues in getting the insurance document timely. They are very punctual.
      Was this review helpful? 1
      , thane
      Reviewed on Oct 09, 2017
    • review Travel Insurance
      "Good for travelers"
      0.5 4.0/5 "Great!"
      Whenever I go to abroad, I take travel insurance only using my ICICI lombard. They immediately send me the policy copy. When I went to Turkey I lost my laptop, I claimed the lost amount from ICICI lombard they processed the reimbursement within a certain time period.
      Was this review helpful? 1
      , bangalore
      Reviewed on Aug 31, 2017
    • review Travel Insurance
      "RELIGARE HEALTH Travel Insurance"
      0.5 4.0/5 "Great!"
      Religare Travel Insurance Explore is indeed the best travel insurance policy in the markets these days, it offers me a peace of mind while I travel. I work in a job involving high stress levels and I often go for adventure sports. I travel worry free because religare is there.
      Was this review helpful? 1
      , bangalore
      Reviewed on May 19, 2017
    • review Travel Insurance
      "Pathetic disbursal policy- rather not take an insurance"
      0.5 0.5/5 "Unacceptable"
      Please do not buy ICICI Lombard Travel insurance for any foreign or domestic travels.They charge very high premiums but do not pay out genuine claims. I had paid a very high premium (approx.. INR 15000) for my father's travel insurance who was coming to UK for a short trip. Unfortunately, he had a cardiac arrest in UK and had to be admitted in hospital. It must be noted that he did not have any prior heart conditions. I have proofs of ECG just before his travel and doctor's diagnosis to prove that. The interesting part is: ICICI Lombardâ??s claims settlement has been outsourced to a company called FGA (Falcon India). Now their incentives are based on minimal disbursal, due to which they tend to reject even the genuine claims. Disgusting Part: A doctor representing ICICI Lombard was sent to assess the case post incident and he indicated some money to be paid to him for a report supporting the claim. When my parents refused to pay any money, a false report was prepared
      Was this review helpful? 11
      , kolkata
      Reviewed on Mar 03, 2017
    • review Travel Insurance
      "Fantastic experience"
      0.5 5.0/5 "Blown Away!"
      Very quick response from Customer care team and detailed explanation provided about the product and executive was very enthusiastically answered all the queries with great level of patience, customer care team contacted multiple times basis the requirement ...overall it was very nice experience .
      Was this review helpful? 4
      , gurgaon
      Reviewed on Jan 15, 2017
    • review Travel Insurance
      "Excellent services"
      0.5 3.0/5 "Satisfactory"
      Found ICICI Lombard as best for the travel insurance and all the times I prefer this company as whenever I travel. The online portal is simple and quick to enroll the policy. Death coverage is decent and good. This is like one time payment and we can choose duration according to our travel.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Oct 27, 2016
    • review Travel Insurance
      "Religare only want new business - good luck with renewal"
      0.5 0.5/5 "Unacceptable"
      Religare is only interested in new business and not care about renewal travel insurance . Their customer care email (ironically customerfirst ?!?!?) is very badly programmed...everytime (even response to quick response) creating new case so they have excuse for new SLA to response. They don't understand that, customer is in foreign country and having risk of heavy fine/medical charges in case of not travel insurance in case of required renewal. My insurance was going to expired (which is already) on 23-Sep-2016 and I sent them renewal request on 20-Sep-2016 and on 21-Sep-2016 signed extension form but yet not received any communication back. More frustrating is, they don't have customer care phone number which can be reachable from outside India (as they have 1800- number). I will not go for them in future.....and advice other too if they have change of extension on trip.
      Was this review helpful? 1
      , mumbai
      Reviewed on Sep 24, 2016
    • review Travel Insurance
      "Very good"
      0.5 5.0/5 "Blown Away!"
      I am having the travel insurance policy with the Tata AIG general insurance company and I used to get it while am going abroad. Coverage value is depends on the country where am going, also they are providing coverage for my luggage.
      Was this review helpful? 6
      , bangalore
      Reviewed on Apr 16, 2016
    • review Travel Insurance
      "Really good"
      0.5 4.0/5 "Great!"
      I have taken a Travel Insurance from HDFC as I am frequent traveler. It has an accidental cover of around Rs.50 lakhs which is valid internationally as well. I pay the insurance through annual premiums online. I took this two years back and the customer service was good.
      Was this review helpful? 2
      , bangalore
      Reviewed on Mar 19, 2016
    • review Travel Insurance
      "Wonderful..."
      0.5 5.0/5 "Blown Away!"
      If I pay the premium for first year, I no need to pay the premium for three years. As this travel insurance was offered when I availed car loan. If there any accident happens while traveling the HDFC Ergo cover our hospital fee. Another option is there as they pay three months emi if we lost our job.
      Was this review helpful? 3
      , bangalore
      Reviewed on Feb 20, 2016
    • review Travel Insurance
      "Don't buy reliance"
      0.5 0.5/5 "Unacceptable"
      Because of cancelled flight, I missed my connecting flight. Had to make fresh arrangements. On trying to claim, they say no flight or taxi charges will be refunded, its only for food and stay ( normally any Arline's will provide if they cancel) Now finally they have stooped down to a level saying... The policy document (u get after you purchase policy by making payment) doesn't say it will cover missed flight, when asked its in broucher, " our terms and conditions gets modified after the payment is made" by SWARUPA MARTIN claims officer. So my suggestion is reliance don't cover missed flight, try other insurance... Its worst of all.
      Was this review helpful? 12
      , mangalore
      Reviewed on Feb 20, 2016
    • review Travel Insurance
      "compulsory for travellers..."
      0.5 4.5/5 "Excellent!"
      Found ICICI Lombard as best for the travel insurance and all the times I prefer this company as whenever I travel. The online portal is simple and quick to enroll the policy. Death coverage is decent and good. This is like one time payment and we can choose duration according to our travel.
      Was this review helpful? 7
      , thane
      Reviewed on Nov 28, 2015
    • review Travel Insurance
      "Very good"
      0.5 4.0/5 "Great!"
      The service offered by ICICI Two wheeler insurance is fine. I am holding this two wheeler insurance since 2010. The returns are not good the money value is less. One thing I would like to say the claim experience policy was very lengthy and they were unable to refund a particular amount.
      Was this review helpful? 4
      , chennai
      Reviewed on Oct 01, 2015
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