Family Travel Insurance

What Does Family Travel Insurance Cover?

The best family travel insurance shall typically ensure coverage against medical and non-medical emergencies that may occur during your trip abroad. Mentioned below are the primary coverage your family travel insurance from Care Health Insurance offers.

Medical Coverage

• In-patient Coverage: If a medical emergency occurs with any insured member during the trip, the travel insurance family cover offers financial coverage for hospitalisation and treatment per the policy terms.
• Out-patient Coverage: If an insured member has to see a doctor in a foreign country due to medical discomfort, the insurer reimburses the reasonable cost of the treatment.
• Pre-existing Disease Cover: If an insured member encounters a life-threatening condition due to a pre-existing disease, the family travel insurance plan covers up to 10% of the sum insured for treating the condition.
• Medical Evacuation: If a medical emergency requires immediate transportation of the insured member to the nearest medical facility, then the insurer reimburses the transportation costs as per the policy terms.
• Adventure Sports Cover: If any of the insured members encounter an accident while performing adventure sports under the supervision of an expert, the insurance policy covers the expenses incurred in treating the injured. Adventure sports coverage is an add-on benefit of the Explore-International travel insurance plan. The optional add-on covers hospitalisation expenses up to 25% of the Sum Insured.
• Automatic Trip Extension: If, due to a medical emergency, an insured member has to extend their stay even after the policy expiration, the insurer shall extend the policy for a maximum of up to seven days based on the standard terms & conditions.
• Upgradation to Business Class: If an insured member is hospitalised for up to five days or more and has been advised by the medical practitioner to upgrade their existing flight ticket to business class for a comfortable journey, then the insurer shall reimburse for the difference amount incurred in upgrading the air ticket from economy to business class as per the policy terms and conditions.
• Daily Allowance: Under your worldwide family travel insurance plan, Daily Allowance is a fixed amount payable if an insured member is hospitalised in a foreign land for more than two days.The benefit is payable for a maximum of up to 5 days.
• Dental Expenses: An insured member is eligible to file a claim against dental treatment expenses if they have to see a doctor due to injury-related or sudden acute pain in one of the natural sound teeth.

Non-Medical Coverage

• Trip Delay: Unprecedented flight delays may be distressing for your trip and your budget. Therefore, Care Health Insurance offers a fixed amount for each set of four-hour delays of your flight, subject to policy terms and conditions.
• Trip Cancellation: If, due to an unforeseen circumstance, you have to cut short your trip or have to cancel it altogether even before starting it, the losses incurred can be burdensome! Therefore, under the travel insurance family cover, Care Health Insurance offers coverage for the losses incurred in trip cancellation per the policy terms and conditions.
• Loss of Documents: Care Health Insurance offers a fixed amount on an aggregate basis as per policy terms and conditions if you lose your documents, such as your passport or international driving licence, in a foreign country.
• Loss or Delay of Checked-in Baggage: If your checked-in baggage is delayed, damaged, or lost due to your airline’s negligence, your insurer will reimburse you a fixed amount based on the standard terms and conditions of the policy.
• Missed Flight Connection: If, due to an unprecedented circumstance, you miss your pre-booked connecting flight, your insurer will reimburse you for the expenses incurred for accommodation and travel, subject to the terms and conditions of the policy.
• Hijack Distress Allowance: Hijack would be the last thing you want to encounter on a family trip! While improved air security has ceased the events of hijacks, the hijack distress allowance benefit under Care Health Insurance’s International travel plan offers a fixed amount of coverage for distressed insured members.
• Return of Minor Child: If you are travelling with a minor and have covered them under the family travel insurance plan, then, in an emergency where your minor is unaccompanied, the travel plan shall cover the reasonable expenses incurred in sending the minor back to the home country.

Note: The benefits mentioned above are for reference purposes only. Please refer to the policy documents for details on the policy's benefits. Did You Know? At Care Health Insurance, you can choose between having a single or annual family travel insurance and pay a premium accordingly. If you take your family on a trip occasionally, you can opt for region-specific travel insurance plans. Whereas, for a frequently flying family, multi-trip travel insurance is the choice.

What is Not Covered Under Family Travel Insurance Plan?

Below are the standard exclusions of a family travel insurance plan bought from Care Health Insurance.

• Expenses incurred in treating any self-inflicted injury, suicide attempts, etc.
• Expenses incurred towards clearing false arrest cases, wrongful detention, defamation, etc.
• Expenses incurred in treating drug use/misuse/abuse.
• Expenses incurred due to the consequences of social wars and/or nuclear perils.
• Bail charges incurred due to participation in unlawful activities.
• Expenses incurred towards hospitalisation shall not be covered if that is the sole reason for travel.
• Expenses for pre-existing diseases shall not be covered if the insurer is not informed of them.
• Treatments that could possibly be delayed until the insured member returns to the home country are not covered.

The exclusions mentioned above are for reference purposes only. Please refer to the policy documents for details on permanent and standard exclusions.

Buy a Family Travel Insurance Policy from Care Health Insurance

Thanks to digitalisation, you do not have to connect with agents and anticipate the correct policy purchase. Whether you are looking for annual family holiday insurance or region-specific travel insurance for your family, you can get it all from the comfort of your home! All you have to do is compare the best plans, read the policy documents to see if they meet your requirements, and make the purchase.

Here are the steps to calculate, quote and purchase family travel insurance online from Care Health Insurance.

Quote Calculation Process

Step 1: Visit the official Care Health Insurance website or click here.

Step 2: Navigate to the “travel insurance” tile on the first fold of the page and click on it to get redirected to the product.

Step 3: Enter the mobile number and email address and click “Calculate Premium” to proceed.

Step 4: On the next page, fill in the ages of the family members you wish to insure under the plan and mention if any of them have a pre-existing condition.

Step 5: Clicking "continue" will open a new page. Here, enter the country(s) you plan to visit and click "Continue."

Step 6: On the next page, enter the duration of your trip and click on the “View Quote” button to get directed to the quote for your journey.

Policy Purchase Process

Step 1: Click on the “Buy Now” button on the quote page to get directed to the proposer detail page.

Step 2: On this page, fill in the proposer details carefully. Please note that the proposer is a person who pays the premium and submits the purchase request.

Step 3: Upon adding the asked details correctly and clicking on the “Next” button, a new page with medical history will open. On this page, fill in the asked details correctly and proceed to make the payment.

Step 4: The policy purchase is now complete. Your proposal summary, policy documents and other important details are sent to you on your registered mail id and contact number.

Note: Please note that (a) In case of a minor traveller, a companion above the age of 18 is required to complete the policy purchase, (b) You can proceed with KYC verification through PAN, Aadhaar, Passport, or other documents such as ration card, (c) trip start date is the date on which you fly off from your home country and trip end date is the date when you return to the home country.

Factors to Consider When Choosing a Family Travel Insurance Plan

Being careful of the loopholes is crucial when securing your loved one’s travel under family trip insurance. Mentioned below are a few factors that you should consider when comparing various options.

• Coverage: Coverage must be the foremost criterion to consider when comparing multiple policies. Suppose you are travelling with an elderly, then considering a cover for their pre-existing disease would be helpful if a life-threatening condition occurs during the trip.
• Nature of the trip: You wouldn’t want to pay for travel insurance offering worldwide coverage if you have planned a trip to a specific destination. Therefore, when purchasing trip insurance for your family, you must consider the type of your trip and invest in travel insurance accordingly. It is always wise to choose a region-specific plan if you travel occasionally, whereas annual trip plans can be helpful for people who have exciting travel plans coming up!
• Exclusions: Exclusions are another factor you must consider while buying family travel insurance. You must carefully read the policy prospectus and terms and conditions to verify whether the coverage you require for your family is covered or excluded. Verifying the exclusions of a travel policy can always save you from last-minute surprises while filing a claim.
• Third-Party Service Provider: To ensure your family is not left alone in a medical emergency abroad, you must evaluate the third-party service provider that your insurer is associated with. Details such as their contact information can help prevent last-minute hassles.
• Claim Settlement Process: Claim settlement reviews are another factor you must consider while purchasing a travel insurance plan. If your insurer offers an easy claim settlement, you can be assured of a worry-free trip ahead!

How to File a Claim Under a Family Travel Insurance Plan?

Your family holiday insurance cover comes to your rescue when uneventful surprises hinder your trip. Typically, filing a claim under Care Health Insurance travel insurance plans is an easy procedure. No matter where you are in the world, all you have to do is inform your insurer at the touchpoints below, and they will guide you through an easy claim settlement.