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Procedure: How to Buy Travel Insurance Policy
January 30 , 2013
  1. Foreign travel could entail more risk. One should never go on a foreign trip without a travel policy. A travel policy covers risk against health issues, delay or loss of baggage and personal liability while on the trip.
  2. Premiums vary with age, geographical extent of travel and length of trip. Premiums range from a few hundreds to thousands of rupees. Sum insured is expressed in US Dollars.
  1. You can fill up the form online from the company's website. If online policy is unavailable you can get it from an agent or broker. The form is a simple one. Fill in personal details, travel related details such as places of visit, purpose of visit (holiday/business/study) and details of medical history, as required in the form.
  2. You can buy a policy for single trip lasting up to 180 days or multi trip. Multi trip policy is valid on multiple trips throughout the year. This is useful if you frequently travel on business trips.
  3. Make payment through net banking or credit/debit card if policy is taken online or through cheque if offline.
  1. Read about exclusions and avoid getting into activities excluded. For instance, hazards rising from participating in sports as a professional player, non-adherence to medical advice, getting into trouble when under influence of alcohol, drugs, etc are not covered.
  2. If your trip is extended don’t forget to get your policy extended.

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