Annual Multi-Trip Travel Insurance

Features of Multi-Trip Travel Insurance

Multi-trip travel insurance at Care Health Insurance comes packed with several features; let us have a look at them in the table below:

Coverage Under Multi-Trip Travel Insurance

For anyone who travels more than a few times a year, annual multi-trip insurance offers peace of mind and a simplified, cost-effective way to ensure the safety of every journey.

Let us explore the features of the multi-trip travel insurance plan offered by Care Insurance:

• Trip Delay and Cancellation: Unforeseen events such as natural calamities or socio-political issues may occur, leading to trip cancellation. In such cases, multi-trip travel insurance comes to the rescue by covering the losses incurred in cancelling non-refundable accommodations and flight tickets. The coverage is offered up to a limit of 4 hours of delay, subject to the terms and conditions of the policy.
• Lost Documents: Losing essential documents like your passport or international driver’s licence can be stressful. If this happens while you're abroad, we cover costs up to a certain amount and under stated terms and conditions.
• Lost or Delayed Luggage: Our travel insurance reimburses a fixed amount based on your policy’s terms if your checked-in luggage is lost or delayed.
• Return of a Minor Child: If something unfortunate happens during your trip and no one can take care of your minor child, our annual multi-trip travel insurance covers the reasonable travel costs of bringing the child back home.
• Automatic Trip Extension: If you need to extend your overseas trip for medical reasons, our policy automatically extends your coverage for up to 7 additional days.
• Upgrade to Business Class: If you're hospitalised for five days or more during your trip and need a business class upgrade to fly home, the policy reimburses these expenses as per policy terms.
• Missed Flight Connection: Missing a connecting flight can be frustrating, but our annual multi-trip travel insurance policy helps by covering extra travel or accommodation expenses.
• Adventure Sport Coverage: If you're injured to the point of hospitalisation while participating in an adventure sport under professional supervision, our policy covers the costs up to the insured amount.
• Hospitalisation Coverage: If you need emergency medical treatment abroad, our travel insurance covers inpatient and outpatient hospital expenses.
• Daily Hospitalisation Allowance: We provide a daily allowance for specific costs for hospital stays up to five days. However, you need to cover the first two days as a deductible.
• Dental Expenses: Our travel insurance covers costs up to a specific limit, as stated in the policy documents for dental treatment due to an injury.
• 2-Way Compassionate Visit: If you're hospitalised during your trip, our policy covers economy-class airfare for one immediate family member to accompany you.
• Family Discount Option: If you cover additional family members under the same travel insurance plan, you may get a premium discount per the policy's terms and conditions.
• Accidental Death or Disability: In case of accidental death or permanent total disability during your trip, the policy provides compensation.
• Pre-existing Conditions: Our insurance also covers emergencies related to pre-existing conditions if they become life-threatening.
• Medical Evacuation: In a medical emergency, the policy covers transportation costs to move you to the nearest network medical facility.

How to Buy Multi-Trip Travel Insurance?

Buying travel insurance for the first time can feel challenging. Here’s a simple guide to help you calculate the quote and purchase multi-trip travel insurance online:

Quote Calculation Process

• Go to the Care Health Insurance website and navigate the Travel Insurance page.
• Enter the requested details, such as the destination country and trip start and end date, and select whether you need a multi-trip plan or a single trip, then click “Continue.”
• In the next few steps, you will be asked for your insured member’s details and contact details. Fill in this information, then click on “Get Quote.”
• Once you get the quote, you can proceed with purchasing the policy.

Policy Purchase Process

Step 1: On the quote page, click the “Buy Now” button to get directed to the proposer detail page.

Step 2: Here, fill in the requested proposer details.

Step 3: Upon filling in the asked details and proceeding to the “Next” button, a page with medical history opens. On this page, fill in the details you asked for correctly and proceed to make the payment.

Step 4: The policy purchase is now complete. Your proposal summary, policy documents and other important details will be sent to you on your registered email 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.

How to Claim for a Multi-Trip Travel Insurance Policy?

Even with careful planning, unexpected events can disrupt your travels. This is where international travel insurance can be a lifesaver. However, the actual value of insurance comes during the claim settlement process, so it is essential to understand how it works to ensure a smooth experience.

Multi-Trip vs. Single-Trip Travel Insurance

Even with the best planning, unexpected trip mishaps may still occur when you travel. That’s when international travel insurance can be a big help. While planning the travel insurance plan, you will get a choice between a single trip and multi-trip travel insurance. To make the right choice, it is important to understand the features and the difference between them.