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Travel Insurance for UK
The United Kingdom, often simply referred to as the UK, is a captivating mosaic of history, culture, and natural beauty nestled in the heart of Europe. This remarkable nation comprises four distinct countries—England, Scotland, Wales, and Northern Ireland—each with its own unique character and charm. Whether you're planning a leisurely vacation, a business trip, or embarking on an educational journey, this guide will provide you with essential information on why international travel insurance is crucial for your visit to the UK.
Key Features of Travel Insurance for The UK
| Key Features | Benefits |
| Cashless Hospitals | 1,00,000+ cashless hospitals worldwide. |
| Countries Covered | 25 Schengen countries + 18 Other countries. |
| Coverage Amount | $40K to $1000K |
| Health Check-up Requirement | No health check-up is required prior travelling. |
| COVID-19 Coverage | Coverage for COVID-19 hospitalisation. |
Types of Travel Insurance for UK
Travel Plans for Individual
This travel plan is designed for solo travellers visiting a foreign country, which in this case is Singapore. With the HDFC ERGO individual travel insurance for Singapore as your trusted companion, you will never be alone in your time of need.
Travel plan for Families
This plan protects families against unforeseen circumstances that they might face during their international holidays in Singapore. It means that instead of paying premiums for separate travel insurance for each individual, you can secure all members of your family under a single policy during the trip.
Travel plan for Students
The HDFC ERGO student travel insurance plan is for students who are planning a short stay in Singapore for study purposes. Managing studies while dealing with common medical, baggage and stay-related issues without the backing of travel insurance can be very challenging.
Travel plan for Frequent Fliers
This plan for frequent travellers is designed to cover multiple trips within a predetermined period under a single policy. This way, you won't have to purchase new travel insurance policies or tackle paperwork every time you go on a different trip.
Travel Plan for Senior Citizens
The senior citizen travel insurance for Singapore offers coverage against unforeseen events that older adults may face during their international trips. This way, they can seamlessly enjoy their trip without the need to worry about common medical, baggage and journey-related contingencies.
Benefits of Buying Travel Insurance for the UK
Travel insurance offers a safety net for unexpected events during your trip. Here are some key benefits of purchasing travel insurance for your UK trip:
1
Coverage Against Medical Emergencies
Travel insurance for UK ensures that you stay financially covered against emergency medical situations that can cause massive hindrances during your foreign trip. With the backing of this policy, you can easily tackle and resolve inconveniences like emergency dental and medical expenses, medical evacuation, hospital daily cash allowance, etc., and get back to what's important.
2
Coverage Against Non-Medical Emergencies
Besides medical emergencies, another crucial benefit of investing in travel insurance for UK from India is that it will also keep you safe against a number of non-medical emergencies. This includes journey-related inconveniences, such as personal liability, hijack distress allowance, flight delays, etc., and baggage-related hassles, like delay of checked-in baggage, loss of baggage and personal documents, etc.
3
Hassle-Free Travel
UK travel insurance offered by HDFC ERGO covers individuals and families against a variety of contingencies. It not only acts as a financial safeguard but also offers peace of mind to individuals so they can enjoy their trip worry-free. Also, thanks to the internet, getting travel insurance for UK has become more convenient than ever.
4
Round-The-Clock Support In Times Of Need
Loss of passport or baggage, medical and dental emergencies, theft of personal belongings, etc., in a foreign land, are more common than you think. With HDFC ERGO's travel insurance for UK, individuals get access to a 24x7 customer care support and claim approval team for quick help during their time of need.
5
Good For The Pocket
Travel insurance for UK is quite affordable, considering the coverage and benefits it offers. Individuals can now just pay for the specific number of days they travel and choose from the offered coverage type that fits their budget. Also, the financial coverage it offers against contingencies will make sure that you don’t exceed your travel budget under emergencies.
6
Cashless Medical Service
Besides reimbursements on emergency medical and hospitalisation-related expenses, individuals can enjoy fast and cashless medical service from a number of network hospitals in UK with their HDFC ERGO travel insurance. Without international travel insurance, getting treatment for medical emergencies in a foreign land can turn out to be a nightmare.
Looking for travel insurance for your UK trip? No need to look further. Click here to Buy Now!
What's Covered under Travel Insurance for UK from India
Emergency Medical Expenses
This benefit covers hospitalization, room rent, OPD treatment, and Road Ambulance costs. It also reimburses expenses incurred on Emergency Medical Evacuation, Medical Repatriation and Repatriation of mortal remains.
Dental Expenses
We believe dental healthcare is just as important as hospitalization due to physical illness or injury; hence, we cover dental expenses which can occur during your travel. Subject to policy terms and conditions.
Personal Accident
We believe in seeing you through thick and thin. In the event of an accident, while traveling abroad, our insurance plan provides a lump sum payment to your family to assist with any financial burdens caused by permanent disablement or accidental death.
Personal Accident : Common Carrier
We believe in being by your side through ups and downs. So, under unfortunate circumstances, we will provide a lump sum payout in case of accidental death or permanent disablement arising out of an Injury whilst on a Common Carrier.
Hospital cash - accident & illness
If a person is hospitalized due to injury or illness, we will pay the per day Sum Insured for each complete day of hospitalization, up to the maximum number of days stated in the Policy Schedule.
Flight Delay & Cancellation
Flight delays or cancellations may be beyond our control, but worry not, our reimbursement feature allows you to meet any essential expenses arising from the setback.
Trip Delay & Cancellation
In case of a trip delay or cancellation, we will refund the non-refundable portion of your pre-booked accommodation and activities. Subject to policy terms and wordings.
Loss of Passport & International driving license
Losing important documents can leave you stranded in a foreign land. So, we will reimburse expenses related to obtaining a new or duplicate passport and/or international driving license.
Trip Curtailment
Don't worry if you have to cut your trip short due to unforeseen circumstances. We'll reimburse you for your non-refundable accommodation and pre-booked activities as per the policy schedule.
Personal Liability
If you ever find yourself liable for third-party damage in a foreign land, our travel insurance helps you compensate for those damages effortlessly. Subject to policy terms and conditions.
Emergency Hotel Accommodation for Insured Person
Medical emergencies may mean you need to extend your hotel booking by a few days more. Worried about the added expense? Let us take care of it while you recover.subject to policy terms and conditions
Missed Flight Connection
Don't worry about unexpected expenses due to missed flight connections; we will reimburse you for the expenses incurred on accommodation and alternate flight booking to reach your destination.
Hijack Distress Allowance
Flight hijacks can be a distressing experience. And while the authorities help sort out the issue, we'll do our bit and compensate you for the distress it causes.
Emergency Cash Assistance Service
When traveling, theft or robbery can lead to a cash crunch. But don't worry; HDFC ERGO can facilitate fund transfers from the insured 's family in India. Subject to policy terms and conditions.
Loss Of Checked-In Baggage
Lost your checked-in baggage? Don't worry; we'll compensate you for the loss, so you don't have to go without your essentials and vacation basics. Subject to policy terms and conditions.
Delay of Checked-In Baggage
Waiting is never fun. If your luggage gets delayed, we'll reimburse you for essentials like clothing, toiletries and medication so you can start your vacation worry-free.
Theft of baggage and its contents
Theft of baggage can derail your trip. So, to ensure your trip stays on track, we'll reimburse you in case of baggage theft. Subject to policy terms and conditions.
The above mentioned coverage may not be available in some of our Travel plans. Please read the policy wordings, brochure and prospectus to know more about our travel insurance plan.
What's Not Covered Under Travel Insurance for UK from India
Breach of Law
Sickness or health issues caused due to war or a breach of the law is not covered by the plan.
Consumption of Intoxicant substances
If you consume any intoxicants or banned substances, the policy shall not entertain any claims.
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.
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.
Self Inflicted Injury
Any hospitalization expenses or medical costs arising from self-inflicted injuries are not covered by the insurance plans we offer.
How to Buy Travel Insurance Online?
• Click here link, or visit the HDFC ERGO travel insurance webpage to BUY our policy.
• Enter traveler details, destination information, and trip start and end dates.
• Choose your preferred plan from our three tailored options.
• Provide your personal details.
• Fill in additional details about the travelers and proceed to pay using online payment methods.
• All that's left to do is- download your policy instantly!
Did you know?
It is mandatory to have a valid travel health insurance policy to enter any of the Schengen Area countries.
Interesting Facts About UK
| Categories | Specification |
| Monarchy | The UK is a constitutional monarchy with Queen Elizabeth II as the reigning monarch. |
| Innovations | Notable inventions from the UK include the World Wide Web, telephone, and steam engine. |
| Geography | The United Kingdom comprises four countries: England, Scotland, Wales, and Northern Ireland. |
| Cultural Diversity | London, the capital of the UK, is one of the most diverse cities globally, with over 300 languages spoken. |
| Historical Landmarks | The UK is known for its rich history, including iconic landmarks like Buckingham Palace, the Tower of London, and Stonehenge. |
| Literary Greats | It is home to world-famous authors like William Shakespeare, Charles Dickens, and J.K. Rowling. |
UK Visa Documents and Requirements for Indians
If you're planning to visit the UK as a tourist, ensure you have the following documents ready:
• A valid passport
• 2 photographs, as per regulations
• Proof of legal residence - ID card, passport
• Proof of previous travel history - copy of visa
• Complete travel itinerary
• Proof of accommodation - hotel bookings, Invitation letter from the host
• Proof of employment or studies -
◦ If employed
▪ Employment contract's copy or Employee ID card copy
▪ Letter from employer stating sanction of leave for the travel period
▪ NOC (No objection certificate) from the company
◦ If self-employed
▪ A copy of the business license
▪ Copy in the commerce register or as a partner in a company
◦ If student
▪ Letter granting leave for the travel period, or NOC
▪ Proof of admission
◦ If retired
▪ Pension statement of the latest 6 months
▪ Copy of Retirement letter/relieving letter
▪ Proof of funds to support the stay - Bank Statements for the last 6 months/ Passbook
▪ Proof of ties in the home country - Rent agreement, proof of bank accounts, etc.
Best Time to Visit the UK
The UK experiences a mild, temperate climate, but the best time to visit depends on your preferences:
• July to September: Ideal for warm and sunny weather.
• December to February: Experience a traditional British winter with Christmas markets and snowfall.
• March to June: Springtime brings blooming flowers and mild temperatures.
To know more about the best time, climate, temperature and other factors before visiting UK. Read our blog on Best time to visit UK.
All Year-Round Essentials for UK
1. Passport and travel documents, including travel insurance information.
2. Personal medications and a basic first-aid kit.
3. Comfortable walking shoes for exploring cities and countryside.
4. Camera and electronic chargers/adapters.
5. Reusable water bottle.
6. Warm coat or jacket, preferably waterproof.
7. Umbrella for frequent showers.
UK Safety And Precautionary Measures To Be Undertaken
While the UK is generally safe for tourists, it's essential to stay vigilant and follow common safety precautions:
• Keep your belongings secure, especially in crowded areas.
• Be cautious when crossing roads, as traffic flows on the left side.
• Stay updated on local news and any travel advisories.
Covid-19 travel specific travel guidelines
• Wear a face mask in public places and while using public transportation.
• Maintain personal hygiene and safe distancing in crowded tourist areas.
• Learn about the latest regional Covid-19 guidelines and rules and follow them.
• Comply with the local authorities if you develop any symptoms.
List of International Airports in the UK
The United Kingdom is well-connected to the world through a network of international airports. When planning your visit, you'll have the convenience of choosing from several major gateways, including:
| City | Airport Name |
| London | London Heathrow Airport |
| London | London Gatwick Airport |
| Manchester | Manchester Airport |
| Birmingham | Birmingham Airport |
| Edinburgh | Edinburgh Airport |
Ready to embark on your journey to the United Kingdom? Ensure a worry-free trip with HDFC ERGO’s travel insurance.
Popular destinations in the UK
The United Kingdom is a land of diverse attractions and captivating destinations. Here are some must-visit places to consider during your UK journey:
1
London
The capital city is a vibrant metropolis with iconic landmarks such as the Tower of London, Buckingham Palace, and the British Museum. Stroll along the River Thames and experience the city's rich history and culture.
2
Edinburgh
Scotland's capital city is known for its historic and architectural treasures, including the Edinburgh Castle, the Royal Mile, and the Palace of Holyroodhouse. Don't miss the annual Edinburgh Festival Fringe for a dose of creativity and entertainment.
3
Stonehenge
This ancient monument in Wiltshire is a mystery that continues to intrigue visitors. Marvel at the colossal stone circles and ponder their purpose and origin.
4
Oxford
Explore the historic University of Oxford, one of the world's oldest and most prestigious educational institutions. Stroll through its beautiful colleges, libraries, and gardens.
5
The Lake District
Immerse yourself in the stunning natural beauty of this national park in northwest England. Enjoy outdoor activities like hiking, boating, and exploring charming villages like Keswick and Windermere.
6
Wales
Wales, a captivating part of the United Kingdom, enchants visitors with its diverse landscapes. Explore ancient castles, rugged coastlines, and lush green valleys. Immerse yourself in Welsh culture, marked by vibrant traditions and warm hospitality. Discover a unique blend of history and natural beauty in this enchanting destination.
Things To Do in the UK
While in the UK, you'll find an array of exciting activities to enhance your experience:
• Explore Historic Castles and Palaces: Discover the fascinating history of the UK by visiting ancient castles like Windsor Castle and Hampton Court Palace.
• Enjoy Traditional Afternoon Tea: Savor the quintessential British experience by indulging in afternoon tea at renowned tea rooms or historic hotels.
• Visit World-Class Museums and Galleries: Explore the treasures of art, history, and science at institutions like the British Museum, the Tate Modern, and the Natural History Museum.
• Hike in the Scenic Countryside: Lace up your hiking boots and venture into the picturesque countryside of Wales, the Scottish Highlands, or the Peak District for breathtaking walks.
• Attend Live Theater Shows in London's West End: Treat yourself to a night of entertainment at one of the world-class theaters in London's West End, known for its exceptional productions and musicals.
Money Saving Tips in the UK
Make the most of your UK visit without breaking the bank:
• Use public transportation for cost-effective travel.
• Look for discounts and vouchers for attractions.
• Enjoy free museums and parks.
• Consider staying in budget-friendly accommodations.
• Try local street food and markets for affordable dining.
Local Law and Etiquette in the UK
Adhere to local laws and customs in the UK:
• Queue patiently in public places.ma
• Tipping is customary, typically 10-15% in restaurants.
• Always greet with a polite "please" and "thank you."
• Respect the local culture and customs.
Indian Embassies in the UK
| UK-based Indian Embassy | Working Hours | Address |
| High Commission of India, London | Mon-Fri, 9:00 AM - 5:30 PM | India House, Aldwych, London WC2B 4NA |
| Consulate General of India, Birmingham | Mon-Fri, 9:30 AM - 6:00 PM | 2, Darnley Road, Birmingham B16 8TE |
| Consulate General of India, Edinburgh | Mon-Fri, 9:00 AM - 5:30 PM | 17 Rutland Square, Edinburgh EH1 2BB |
International Travel Insurance for Most Visited Countries
Take your pick from the options below, so you can be better prepared for your trip to a foreign country
List Of Countries Where Travel Insurance Is Mandatory
Here are some of the countries that require mandatory overseas travel insurance: This is an indicative list. It is advisable to check each country’s visa requirement independently before travel.
Schengen countries
- France
- Spain
- Belgium
- Austria
- Italy
- Sweden
- Lithuania
- Germany
- the Netherlands
- Poland
- Finland
- Norway
- Malta
- Portugal
- Switzerland
- Estonia
- Denmark
- Greece
- Iceland
- Slovakia
- Czechia
- Hungary
- Latvia
- Slovenia
- Liechtenstein and Luxembourg
Other countries
- Cuba
- Ecuador
- Iran
- Turkey
- Morocco
- Thailand
- UAE
- Togo
- Algeria
- Romania
- Croatia
- Moldova
- Georgia
- Aruba
- Cambodia
- Lebanon
- Seychelles
- Antarctica
Source: VisaGuide.World
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Frequently Asked Questions About UK Travel Insurance
1. Do I need a visa to visit the UK as an Indian citizen?
Yes, Indian citizens typically require a visa to visit the UK for tourism. You should apply for a Standard Visitor Visa in advance.
2. What is the currency used in the UK?
The currency used in the UK is the British Pound Sterling (GBP).
3. Is travel insurance mandatory for my UK trip?
While travel insurance is not mandatory for a UK trip, it is highly recommended to protect yourself from unexpected expenses due to medical emergencies, trip cancellations, or other unforeseen events.
4. How do I apply for a UK tourist visa from India?
To apply for a UK tourist visa from India, you can complete the application online, pay the required fee, and schedule an appointment at the Visa Application Centre to submit your documents and biometrics.
5. What are the emergency contact numbers in the UK for tourists?
In case of emergencies in the UK, dial 999 for immediate assistance from police, fire, ambulance, or other emergency services. For non-emergencies, you can reach the local police by calling 101.
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