Care’s Travel Insurance: Plan at a Glance
At Care, we provide the best travel insurance. The destination-specific plans are separately designed to meet the needs of students and other individuals travelling abroad. Mentioned below are a few key coverages under Care’s Travel Insurance.
Coverage |
International Travel Insurance |
Student Travel Insurance |
Destination-specific plans |
✅ |
✅ |
Hospitalisation expenses |
✅ |
✅ |
Pre-existing disease |
✅ |
✅ |
Repatriation of mortal remains |
✅ |
✅ |
Accidental death |
✅ |
✅ |
Loss of checked-in baggage |
✅ |
✅ |
Trip cancellation |
✅ |
✅ |
Study interruption |
❌ |
✅ |
Trip interruption |
✅ |
❌ |
Automatic Extension |
✅ |
✅ |
Upgradation to business class |
✅ |
❌ |
Hijack Distress Allowance |
✅ |
✅ |
Compassionate Visit |
✅ |
✅ |
Maternity Coverage# |
❌ |
✅ |
Treatment for Mental Disorders |
❌ |
✅ |
Why Choose Care Travel Insurance?
No matter where you are flying off to, having a travel insurance plan can help you travel stress-free. A travel insurance cover from Care is designed specifically to protect you when you encounter a travel-related problem such as emergency hospitalisation, theft, or trip interruptions. Summarising below are the benefits of opting travel insurance from Care:
What is Covered by Care Travel Insurance?
While you buy travel insurance online from Care, we provide comprehensive travel insurance coverage as mentioned below:
- Emergency Hospitalisation Cover: In case of any unforeseen situation that requires hospitalisation, our travel insurance plan provides you travel insurance cover encompassing IPD and OPD facilities.
- COVID-19 Cover: Our travel insurance covers the standardised cost for treatment of health risks due to Covid-19 infection considering the pandemic still possesses new health risks.
- Accidental Hospitalisation: Our travel insurance policy provides a claim of up to 100% sum insured in case of accidental hospitalisation. We also cover the insured member in case of Accidental Death/Permanent Total Disability.
- Pre-existing Disease Cover: We ensure that you remain covered in case of an emergency caused due to pre-existing ailments. Thus, we provide appropriate travel insurance cover for pre-existing illnesses.
- Treatment in Home Country: If you require further treatment in your home country, the expenses for the same will be covered up to 30 days or up to the policy end date, whichever is earlier.
- Common Carrier Accidental Death: God Forbid! If the insured member loses his/her life while travelling in a common carrier/public transport, the travel insurance purchased from Care will pay a lump sum amount as a compensation.
- Repatriation of Mortal Remains: The travel insurance policy will cover the expenses, up to a defined amount, related to the transportation of mortal remains in case of death of the insured.
- Trip Delay, Cancellation, or Interruption: If the trip you booked got cancelled, it could be disappointing and lead to a financial loss. Trip delay, cancellation, or interruption are no more a headache for you. We cover them too!
- Loss of Travel Documents: If you lose your travel documents, like a passport or international driving license, you first must inform the authorities. Since there, leave everything to us! We will take care of the expenses incurred for availing or retrieving your lost items.
- Loss of Checked-in Baggage: Losing luggage can ruin any trip. However, when there are such risks involved, having a travel insurance policy becomes crucial. It will cover the losses by reimbursing the incurred costs.
- Up-gradation to Business Class: For a comfortable journey, if you require an up-gradation to business class, you will receive coverage of a specified amount under our travel insurance policy.
- Adventure Sports Cover: It is an optional benefit to be availed on extra premium if someone wishes to opt for adventure sports while travelling. The travel insurance policy covers expenses of an insured participating in hazardous activities, subject to policy terms and conditions.
- Missed Flight Connection: Missing a flight can make you incur additional expenses on travel and accommodation. There is no need to get anxious about the financial burden as such expenses will be reimbursed in a travel insurance policy.
- Hijack Distress Allowance: We all wish for a safe trip. However, unforeseen events like a hijack can occur anytime ruining the whole excitement. With a travel insurance policy, one can cover such risks as well.
- Automatic Trip Extension: If your trip is extended due to unavoidable circumstances, you need not bother about the unexpected expenses as the period of travel insurance will be extended up to a specified number of days.
- Personal Liability: The travel insurance policy will safeguard the insured if any personal liability arises due to an accidental injury or property damage to a third party.
Advantages of Care Travel Insurance in India
Covering your trip with an online travel insurance policy has more advantages than just providing medical coverage. Mentioned below are a few benefits of exploring the world with Care trip insurance:
- Destination-specific Coverage: Some destinations are economically cheaper than India, while some are comparatively stronger. Thus, to ensure you do not have to pay for inappropriate trip insurance, Care Travel Insurance curates destination-specific plans with maximum benefits at a considerable premium.
- Covers Entire Trip: Care’s Travel Insurance provides an all-rounded coverage. Not only does it cover unannounced medical expenses, but also safeguards your finances during non-medical contingencies. Some prominent coverages that international travel insurance offers include loss of belonging, daily allowance, trip cancellation/interruption/delay, compassionate visits, etc.
- Smart Add-ons: Care Health Insurance allows the bandwidth for you to add smart optional covers at the time of getting a travel insurance quote. The optional add-ons, such as sports cover, refund of visa fee, and event cancellation, ensure that your travel insurance covers the unique purpose of your trip.
- Last-minute Policy Purchase: Forgot to cover your trip beforehand? Fret not! Just visit our official website and buy online travel insurance before flying from the country. Enjoy a safe journey!
- No Pre-policy Checkup: Whether you are 19 or 90, we respect your comfort and do not mandate a pre-policy checkup. All you have to do is inform us about the pre-existing conditions if you have any, and we shall ensure safe travel for you.
- 24/7 Claim Assistance: An unannounced emergency can strike anytime during your overseas journey. Therefore, our claim team ensures 24/7 assistance to ensure you get assistance whenever you are in need.
Exclusions
Although a travel policy covers several medical and non-medical expenses, many risks may not get covered. Checking the exclusions under travel insurance coverage is beneficial to avoid any last-minute complications. Some must-know exclusions in a Care travel insurance is as mentioned below:
- Expenses for treatment of HIV/AIDS/ other transmitted diseases
- Expenses arising out of hazardous activity, the influence of drugs or alcohol, or consequences of war/nuclear perils
- Costs incurred due to exposure to ionising radiation or contamination
- Expenses due to the treatment of self-inflicted injury or suicide
- Any liability related to any professional services offered by the insured
- Expenses incurred by engaging in business activities
- Costs incurred due to ownership of any aircraft, watercraft, motor vehicle, etc
- Personal liability of the insured towards another individual (whether personal, official, or commercial)
- Expenses due to wrongful detention, false arrest, wrongful eviction, defamation or mental trauma and shock resulting from such situations
- Costs incurred due to encroachment of intellectual property rights like patent, copyright, and trademark
- Liability related to possession of animals, insects, bird, and reptiles and their byproducts
- Expenses arising as a result of an insured person engaging in Breach of Law
Types of Travel Insurance Plans in India
Explore the wide range of travel insurance options and be at peace because, we cover you for most of your unique needs. Your adventure-awaits, and we're here to make it a memorable one with our comprehensive travel insurance plans:
International Travel Insurance
International travel insurance is a policy that provides comprehensive protection against travel-related uncertainties during an international trip. It covers unforeseen medical and non-medical expenses, like in-patient, and out-patient care, loss of passport or checked-in baggage, trip delays or cancellations, etc. You can get country-specific international travel insurance plans at Care to suit your requirements for different countries.
Protect Your Trip
Student Travel Insurance
Student travel insurance is designed to cover the unique needs of students planning to pursue higher education in a foreign country. The plan typically covers travel-related contingencies such as trip interruption, medical emergencies, liabilities etc., during a student's study venture to ensure they remain covered. Being covered with travel insurance allows them to focus on their studies and return home with success and great memories.
Shield Your Studies
Group Travel Insurance
Group travel insurance benefits those travelling in groups. The plan bought from Care is a comprehensive yet affordable cover that covers each and every individual travelling in a Group. The plan provides coverage against unforeseen contingencies such as emergency hospitalisation, trip interruptions, loss or theft of belongings etc., to each secured member of the group.
Secure Your Group
Schengen Travel Insurance
If you plan to visit a Schengen region country, you will be required to apply for a Schengen Visa, and, for a Schengen visa, it is mandatory to have Schengen travel insurance with appropriate coverage. Moreover, Schengen travel insurance also ensures coverage against trip-related medical and non-medical expenses while you are on a trip to one of the 27 European countries.
Insure and Explore
Eligibility Criteria for Buying Travel Insurance in India from Care
Before getting the travel insurance quote, it is crucial to understand the eligibility clauses to ensure a foolproof purchase. The eligibility criteria of the online travel insurance policy at Care Health Insurance are as follows:
Travel Insurance Plans |
Eligibility Criteria |
International Travel Insurance |
The insured member’s minimum age should be at least 01 day; however, the maximum age may vary from plan to plan. |
Student Travel Insurance |
The plan is available for a student wishing to pursue higher education in a foreign land where the insured member(s) should be aged between 12 years to 40 years. |
Family Travel Insurance |
The plan can be bought only for Single-trips where up to 6 family members can be covered under a single travel insurance plan. |
Single-trip Travel Insurance |
- The minimum entry age is 1 day for children and 18 years for Adults.
- The maximum age band for children is 24 years while there’s no maximum age cap for adults.
|
Multi-trip Travel Insurance |
- The minimum entry age is 1 day for children and 18 years for Adults.
- The maximum age band for children is 24 years while there’s no maximum limit to age cap for adults.
|
How to Get Travel Insurance Online in India from Care?
To buy travel insurance online, follow the steps below:
Step 01: Visit the official Care Health Insurance website and navigate the travel insurance dropdown. Select the country you wish to visit.
Note: Select student travel insurance if you travel abroad for higher education.
Step 02: Once on the desired page, navigate to the right side of the screen, enter your phone number and click on the “calculate premium” button.
Step 03: Follow the form flow and provide details such as the proposer’s age and insured member(s) details in the designated columns.
Step 04: Select if the insured members suffer from pre-existing diseases. Select the desired amount of sum insured and proceed further.
Step 05: Once you click on the “get a quote” button, the premium amount will appear on the screen with the critical USPs of the plan. Proceed to make the payment and save a receipt for further reference.
What Makes Comparison of Travel Insurance Important?
Confusion is prudent if you have multiple travel insurance plans to choose from. So, “how to get the best travel insurance?” You may wonder.
The best way to choose a suitable plan is to compare online travel insurance from various insurers. Some reasons why comparison of travel insurance is essential are:
- Explore Better Coverage: Comparing various travel insurance online gives you an idea of coverage in various plans. Learning about various trip insurance also allows you to choose from the wide range of coverage options available in the market.
- Can Opt for an Affordable Premium: Various online travel insurance offers comprehensive coverage at a high premium, while some restrict coverage at a lower premium. Comparing various trip insurance allows you to opt for a policy that provides desirable coverage at an optimum premium.
- Choose from Destination-specific Plans: Some plans open the gate of worldwide destinations, whereas some are still designed to cover your destination-specific needs without digging a hole into your pocket. Thus, comparing multiple plans allows you to choose from the best options for your preferences.
- Understanding Exclusions: Considering the exclusion is another crucial reason for comparing travel insurance. Comparing various plans allows you to choose trip insurance that provides coverage for your desired factor; otherwise, you will be excluded from other travel insurance plans.
Documents Required for Travel Insurance
You may not be asked to submit a long list of documents if you purchase travel insurance online. However, as listed below, a list of documents may be required while proceeding with the KYC (Know Your Customer) procedure.
- A government-approved ID proof such as an Aadhar card, voter ID, driving license, or passport.
- An address proof such as electricity bill, water bill, aadhar card, etc.
- Bank statements or any other income proofs shall also be required.
- A medical certificate must be required in certain cases.
Please note that the documents required for travel insurance may vary from insurer to insurer based on the type of travel insurance you purchase.
What is the Claim Process for Care Travel Insurance?
During an untoward event, you first want a hassle-free claim settlement. Filing a claim under travelling insurance is no longer a cumbersome task with our simple and easy claim process: