Benefits of having a family travel insurance policy

Posted on: Feb 18, 2019 | | Written by:

Benefits of having a family travel insurance policy

Published on Febuary 18, 2019. EST READ TIME: 3 minutes

In the hustle and bustle of our daily lives, we sometimes forget that we need to take a break and spend some quality time with our family. Life can get very monotonous if we get too caught up with the 9-to-5 hustle at the workplace, the never-ending chores at home and the responsibilities of family life. An all-family vacation can help everyone in the family to unwind, refresh their minds and bring everyone closer.

During such family trips, it is preferable to protect those you love from any unforeseen events. The benefits of family travel insurance protect you from the risks of unexpected accidents, sickness, loss of baggage/documents and changes in flight plans. Travel insurance benefits allow you to travel the world with complete peace of mind.

Unwanted incidents end up causing a lot of distress for the entire family, wreck the travel itinerary and bring down the mood of the vacation. Unexpected sickness could mean that you would have to end up shelling a lot of money towards hospital bills, which tend to be outrageously expensive in a foreign land. Loss of personal belongings is a serious issue that could cause you and your family to run into trouble with immigration authorities. Hence, it is advisable to always fly with your loved ones with a FAMILY TRAVEL INSURANCE COVER.

Benefits of having Family Travel Insurance

Family travel insurance offers a range of benefits at affordable premium rates. If you have travel plans ahead with your family, why not make the most of the trip with travel insurance? Here are various benefits of family travel insurance:

1. Single Premium

With family travel insurance, the sum insured gets shared by all family members. This means you would have to pay a single premium amount, which is ideally preferable to buying separate travel insurance plans for every family member and paying multiple premium amounts.

2. Coverage against Medical Emergencies

In the event of a medical emergency for any of your family members during a foreign trip, your travel insurance cover can come to your aid by covering the treatment charges and medical bills.

3. Hotel Accommodations

Medical emergencies may mean you need to extend your hotel booking by a few days more. In this scenario, your travel insurance will provide coverage for incurring additional financial expenses.

4. Losing your Passport

You may have to face numerous challenges, including legal and financial, if anyone in your family loses his/her passport abroad. However, with travel insurance coverage for lost passports, you will be assisted in getting a new passport as soon as possible.

5. Ease of Purchase

You can easily purchase your preferred family travel insurance plan online. With HDFC ERGO, you need not leave your comfort zone. Purchase the plan in no time and from anywhere.

6. Coverage for Covid-19

Family travel insurance also offers coverage against the Covid-19 pandemic. So, you need not worry about medical expenses if you suffer a medical condition in a foreign land.

7. Coverage against Flight Cancellation Costs

Sometimes, due to certain unforeseen conditions, flights may get delayed or even cancelled. In such a case, HDFC ERGO will cover you for the losses due to flight and trip cancellation.

8. Mental peace

Above anything, a travel insurance plan for the family offers peace of mind. You can relax and travel to your favourite destinations without any worry.

What does a Family Travel Insurance Cover?

Family travel insurance offers comprehensive coverage for your entire family. Here are the various coverages:

1. Emergency Medical Expenses

With HDFC ERGO travel insurance policy, you can reach out to our network of one lakh plus cashless hospitals during the time of medical emergency.

2. Flight Delays

With this coverage, the insured person will get reimbursement of expenses on meals and refreshments if a flight is delayed or a connecting flight has arrived late. The coverage limit for expenses will be as per the amount mentioned in your policy.

3. Loss of Baggage

With checked-in baggage loss cover, you can get coverage for total or partial loss of checked-in baggage as well as losses for any damage incurred to goods and articles inside the baggage during the luggage check-in.

4. Baggage Delay

Baggage Delay cover in travel insurance reimburses you for the checked-in baggage, which includes personal items such as clothes, toiletries and other essentials worn or used by you.

5. Coronavirus Hospitalisation

With the pandemic far from being over, it is always better to travel with a travel insurance policy. HDFC ERGO travel insurance policy comes with coronavirus hospitalisation.

6. Plane Hijack Cover

In an unfortunate case, if your plane gets hijacked, your insurer will compensate you for the losses or damage incurred. We hope you never face any such problem.

What is not covered under Family Travel Insurance?

There are certain conditions that cannot be covered under a family travel insurance plan. These include:

1. Consumption of Intoxicant Substances

If you consume any intoxicants or banned substances, the policy shall not entertain any claims.

2. Pre Existing Diseases

If you suffer from any illness before the travel you’ve insured and if you undergo any treatment for an illness that already exists, the policy does not cover expenses related to these incidents.

3. Breach of Law

Sickness or health issues caused due to war or a breach of the law are not covered by the plan.

4. Self Inflicted Injury

Any hospitalisation expenses or medical costs arising from self-inflicted injuries are not covered by the insurance plans we offer.

5. Cosmetic and Obesity Treatment

Should you or any member of your family opt to undergo any cosmetic or obesity treatment during the course of the travel you’ve insured, such expenses remain uncovered.

6. Participation in Risky Activities

There are certain risky sports, like skiing, mountaineering, etc., that need special training and skills. Accidents due to such events may not be covered under the family travel insurance plan.

7. Indulging in Illegal Activities

If you suffer loss or damage due to being indulged in illegal activities, the coverage for the same shall not be extended.

Conclusion

Whenever you are travelling with your family, it is always wise to travel stress-free. There might be a possibility of any unforeseen incident taking place during the journey, which can lead to numerous problems. With a family travel insurance cover, you can travel with your family with peace of mind, as it will provide coverage during situations like flight delays, checked-in baggage loss, luggage delay, medical emergency, loss of passport and any other journey-related problems

With COVID-19 and monkeypox cases still occurring around the world, it is safe to travel with your family having an OVERSEAS TRAVEL INSURANCE POLICY. HDFC ERGO offers a wide range of family floater plans for you to choose from. With an amazing network of hospitals and travel channels across the world, the travel insurance experts at HDFC ERGO can assure you that no matter what part of the world you decide to go to for your vacation, they will always have you covered. So, what are you waiting for? Go on and take your family on that dream vacation they have always been talking about!

Disclaimer: The above information is for illustrative purposes only. For more details, please refer to the policy wordings and prospectus before concluding the sales.

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