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Travelling within the country safely with travel insurance!

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Published on February 24, 2010 | Est Read Time: 3 min

The year 2020 was an unprecedented one. Even after the lockdown was lifted in phases, the fear of infection has kept most of us at home. But in 2021, the promise of the vaccine, more informed medical care and relaxed restrictions, we are now venturing out and travelling with the necessary precautions. While international travel is still restricted, domestic travel is back on its feet. However, there's a caveat. Travelling without precaution can prove to be fatal and therefore, travel insurance is a must in the COVID-19 times. Travel insurance is necessary not only when travelling overseas, but also for domestic travel simply because mishaps can happen anywhere and you must prepare for eventualities to keep yourself financially protected. It is quite easy to acquire one as you can buy travel insurance online from reputed travel insurance companies.

Benefits of domestic travel insurance

1. Medical expenses:

   Sickness or injury during a trip will not only ruin your vacation, but will cost you a hefty sum for treatment. If you have a domestic travel insurance policy, it will cover such medical expenses and provide for a cashless treatment facility during emergencies as well as make arrangements for emergency medical evacuation if needed. Its need has become more critical in times of the pandemic as the chances of falling sick are quite high. Depending on the policy wording, you can get a hospital daily cash allowance during prolonged hospitalization. In case of death of the policyholder, arrangements are made for body repatriation and in cases of permanent disability or accidental death, a lump-sum compensation is given to the nominee.

2. Baggage Loss:

   Loss of such baggage is quite common and will send your trip for a toss. You would have to at least buy all the essentials again or take the next flight back time home. This policy covers you for loss of baggage due to theft or otherwise. An important point to note here is that policies generally cover partial loss of checked baggage.

3. Flight delays and cancellation:

   From mechanical issues to unpleasant weather, the reasons for flight delays and cancellations are many. However, it can mean not only a loss of time and patience; you can miss a connecting flight and lose money not just for flight tickets, but also hotel accommodation. The travel insurance policy provides a cover against such risks.

4. Emergency cash benefit:

   You are given emergency cash in case you lose travel funds due to theft.

5. Affordable:

   The premiums for domestic travel insurance are pocket-friendly. You can easily check and calculate the premium when you buy travel insurance online.
   
6.  Choices galore: 
   There are several options for the policy applicant to choose from. If you travel frequently, you can opt for a multi-trip plan otherwise, you can buy it for a single trip. Similarly, if you can get a group plan if you are travelling with your family or you can get it just for yourself with a plan designed for individuals.

Exclusions

Like any other insurance, the coverage is not absolute and has many exclusions. 

• Any claim request relating to events taking place outside of the policy period will not be accepted. 
• Medical expenses occurring due to any pre-existing diseases are not covered.
• No compensation is given if the insured person travels against the advice of a physician or medical practitioner, or while undergoing or waiting to receive any specific medical treatment. 
• The policy does not cover health deterioration due to participating in war-related or criminal activity.
• Injury or death under the influence of any substances such as alcohol or any banned substance or due to participation in adventure sports is not covered.
• Any self-inflicted injury, such as that in a suicide attempt is excluded.
• Treatment for obesity or any reconstructive surgery and cosmetic surgery doesn’t come under the policy’s ambit.

Conclusion

Therefore, it is wise to buy travel insurance online before you step out for your vacation or business travel within India. The travel insurance will financially shield you from plenty of risks associated with travel, so you can travel stress-free domestically. Though it is not mandatory to have it for domestic travel, but that doesn't make it any less important.

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

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