1️⃣ Is travel insurance mandatory?

Travel insurance is not mandatory for all trips, but it is compulsory for visiting certain countries that require visa-approved insurance coverage. Even when not mandatory, it is strongly recommended to protect against unexpected medical and travel-related emergencies.

2️⃣ What does travel insurance cover?

Travel insurance typically covers medical emergencies, hospitalization expenses, trip cancellations or delays, loss of baggage, passport loss assistance, personal accident cover, and emergency evacuation. Coverage may vary depending on the plan selected.

3️⃣ Does it cover COVID-19?

Yes, many travel insurance plans now include COVID-19 coverage. This may cover medical treatment, quarantine expenses, and trip cancellations due to COVID-related emergencies, depending on policy terms and conditions.

4️⃣ Can I buy travel insurance after booking tickets?

Yes, you can purchase travel insurance after booking your flight tickets. In fact, it is recommended to buy insurance immediately after confirming your trip so you are covered for cancellations and other unforeseen events.

5️⃣ How is the premium calculated?

Travel insurance premium is calculated based on several factors, including:

• Destination country

• Duration of travel

• Age of the traveler

• Number of travelers

• Coverage amount selected

• Type of plan (Individual, Family, Student, Business)

• Add-on covers chosen

Longer trips and higher coverage amounts may increase the premium.

6️⃣ How to claim travel insurance?

To file a claim:

1. Inform your insurer or emergency assistance team immediately.

2. Provide policy details and incident information.

3. Submit required documents such as medical reports, bills, travel tickets, and FIR (if applicable).

4. For hospitalization, you can use cashless treatment at network hospitals (if available).