TRAVEL INSURANCE FAQ, QUESTIONS AND ANSWERS

Q1. Why do I need Travel Insurance?

One usually travels abroad for various reasons- a pleasure trip, a business trip, a study trip etc. You do not want anything to ruin your hard earned holiday, foreign study or your crucial business meeting. But there is a possibility of some unexpected occurrence no matter how perfect the planning is. Unfortunate events such as baggage loss, passport loss, a medical emergency or an accident can affect you. Having Overseas Travel Insurance protects you from all such perils. It ensures that in the unknown foreign land, you are not left stranded in any kind of an emergency.For detailed coverages you can visit our site

Q2. Who can take travel insurance?

Any person going abroad can take overseas travel insurance – a tourist, a businessman or a corporate executive,student, a person visiting his family members.

Q3. Is travel insurance mandatory for all countries?

Travel insurance is mandatory for Schengen visa countries. The Schengen visa basically allows the visa holder to travel to any (or all) member countries using one single visa, thus avoiding the hassle and expense of obtaining individual visas for each country. This is particularly beneficial for persons who wish to visit several European countries during the same trip.

Travelers obtain the visa from the Consulate of the country of their main destination. If your main destination cannot be determined, the country you first enter is responsible for granting your visa.

One thing many travelers may not know about the Schengen visa application process, however, is that they must provide proof of health insurance to obtain it. The insurance is designed to pay expenses that might arise in connection with repatriation for medical reasons, urgent medical attention, and/or emergency hospital treatment.

Since June 2004, travelers who are subject to the visa requirement to stay or transit in one or several Schengen countries must demonstrate, in support of their visa application that they are in possession of adequate and valid travel insurance. In other words, without travel insurance, the visa will not be issued.

Two different Schengen visas require travel insurance

The short stay visa (category C), is the most common Schengen visa, issued for purposes of tourism, business, family or private visit or to get married. The transit visa (category B) is issued to entitle travelers who are going from one outside State to another outside State to pass through the territories of the Schengen states. Category A, the airport transit visa, does not require travel insurance.

Though all Schengen countries are in Europe, travelers should not confuse Schengen countries with European Union (EU) countries. Schengen and EU demarcate two different agreements between European countries. The Schengen area consists of 15 countries within the Europe zone: Austria, Germany, Belgium, Denmark, Finland, France, Greece, Iceland, Italy, Luxemburg, Norway, Portugal, Spain, Sweden and The Netherlands.

Certain states, two of them being significant members of the European Union (the United Kingdom and Ireland), do not belong to the Schengen area. Two other countries, Norway and Iceland, while not members of the European Union, are nevertheless part of the Schengen area. In regards to France and the Netherlands, the Schengen Convention only applies to their European territories. The Principality of Monaco, for example, allows entry on its territory without any formality to the holder of a Schengen visa

Schengen visa insurance requirements:

Medical insurance for the Schengen visa must meet the following requirements:

Medical coverage of at least Euro 30,000.

Medical evacuation/ repatriation must be covered.

Schengen visa insurance can be easily bought online from www.insurancepandit.com with medical coverage typically purchased in limits of $50,000; $100,000; $250,000 and $500,000. The policy document can then be shown to the Consulate from which you are applying for a visa and also carried with your throughout your trip to the Schengen countries.

It would be a wise idea to carry traveler’s insurance no matter what the destination, and this requirement for the Schengen visa should not be something travelers resist, but rather view as a welcome formality.

Even if you are travelling to countries where travel health insurance is not mandatory, it would be wise to carry traveler’s insurance as it protects the traveler in the event of emergencies or circumstances that create any type of interruption or disturbance in the trip pl Travel insurance is basically a means to minimize the financial risks that can occur due to Medical emergency , Trip Cancellation/Interruption , Passport loss and legal expenses , Events like delay or missed departure , loss or delay in arrival of baggage, Loss of cash, or valuables etc.

Q4. What are the things to look for while choosing a travel insurance plan?

Given below are some factors you may consider while selecting an appropriate travel insurance plan.

1.Purpose of visit : Choose a plan according to your needs whether you are going for study, business, family visit, single trip or are a frequent flier, going for pilot training, professional sports etc.

2.Sublimits if any .It is very important to see whether the plan has sublimits, because if plan has sublimits, then at the time of claim you will get claim for sublimits given in plan, for example if plan says room rent sublimit of $500 per day,it means for room rent, you will get $500 only, and if you have taken room with higher room rent then balance has to be borne by you.

3.If your stay is likely to be extended, choose a plan which is extendable and also see premium for total duration as some companies charge extension premium for your total stay i.e original period and extended period minus premium already paid.Plans for shorter duration are cheaper and as duration increases it becomes expensive.It is advisable to get from us extension premium if your stay is likely to be extended.

4.If your stay is likely to be cut short i.e you are not sure about travel duration , choose a plan where there is an option of refund on early return.As sometimes you know your parents has plans to stay for six months and somehow they have to come back early due to any reason whatsoever it may be,in that case if you have chosen plan with early refund option then you can save money.

5.If you have a pre existing condition, select a plan which covers the same in emergency situations to make the person stable.

6.Per illness limit if any.If a plan has such a condition, it means for any one illness you will get claim upto per illness limit given in plan.For example if plan chosen by you says per illness limit is $10000,then you will get only $10000 for any one illness, even if you have chosen plan for higher sum insured, so it is very important to see that plan has per illness clause or not ,as virtually you are taking higher sum insured but practically you will get claim for any one illness upto the limit mentioned in the policy.

7.Co pay if any. If your plan has co pay clause ,it means for every claim you have to pay co pay limit given in the plan.For example, your plan says co payment of 10% ,it means for every claim ,you have to pay 10% and balance 90% will be paid by insurer.

Q5. How to buy insurance online?

Step 1

Select the type of insurance you want to buy on www.insurancepandit.com and then put your details such as date of birth, sum insured etc and press on search plan button.

Step 2

You will see the various insurance plans/options available. You can see the benefits of plans and price and compare the plan benefits here.

Press buy button to proceed for buying or you can save details to buy later.

We have three types of policies

Instant policy You can pay and download immediately.

E policy You can pay and will get policy in 15 to 30 minutes of business hours

Paper policy 1 to 3 days depending upon filled proposal form

Step 3

Now enter details in the buy form and make payment through options like credit card, debit card, Internet transfer, cash and cheque.

Step 4

You will get policy on your mail address and/or have it delivered at your postal address.

Q6. I have already left india and forgot to take travel health insurance,can I still buy?

No, since you have already left India, this is not possible. You can however look for insurance in the country you have travelled to.

Q7. I have to visit USA and Canada for a few days and then any place excluding USA and Canada ,what coverage area should I choose?

As travel health insurance is expensive for USA and Canada and cheaper for countries excluding USA and Canada and if a person has to visit both in one trip then you can contact us and we will provide you the solution.

Q8. My travel medical policy has expired and I forgot to extend same. Can I get it extended now?

Insurance companies generally provide three days grace period to get your travel medical insurance policy extended provided there is no claim in the expired policy. However it is at the sole discretion of the company and as per terms and conditions of individual companies.

Q9. Can I buy Overseas Travel Insurance If I am traveling on an immigrant visa?

Yes, you can buy Overseas Travel Insurance even if you are traveling on an immigrant visa (e.g. H1-B Visa, Work permit, Green Card or Permanent Residency(PR)) . However, the maximum duration of your policy can only be 120 days. After 120 Days, You need to purchase the Policy from the country you are immigrating to. Some insurers provide cover to immigrants for 90 days and some others for 120 days. So select a plan according to your requirement.

Q10. I have made payment for instant travel insurance policy and the amount has been deducted from my account but I have not received the policy. What should I do?

In some companies like Bajaj and HDFC Ergo, when you make payment, a transaction number is generated. Kindly note that down and in case your payment is successful but you do not get the policy, mail us that reference no. Or if you have not noted down the transaction number, please mail us your account statement showing that the amount has been debited. In case of other companies where transaction number is not generated, please mail us your account statement showing the transaction. We will get your policy issued from the company. If you are in a hurry and you have to leave immediately or the next day is a holiday, you can buy a new policy and put in a mail as above and we will get your previous amount refunded to the credit card from which the payment has been made.

Another important thing, please do not close your browser till you have been redirected to our website from the payment gateway! Also do not refresh or press back button while your payment is being processed

Q11. I want to take a travel insurance and want to know how will you deliver the policy?

If you opt for instant travel insurance plans, the policy will be e mailed to you instantly on making payment through your preferred mode of payment. In case of other plans also, once we receive your payment, the policy will be emailed to you within the time frame mentioned against each plan on our website. Also, if you require, a hard copy will be sent to you through courier or speed post.

Q12. I have taken a travel insurance policy but my travel dates have changed(postponed). Can I use the same policy?

If you wish, you can use the same policy if your travel start date is within 15 days of the policy start date. Or you can get the dates changed before your policy starts. It can be changed after policy start date too but then you have to give proof that the travel has not been undertaken i.e. your passport copy, tickets etc.

If the duration of your trip has reduced, you can save money also by getting dates changed. In any case, if your travel start date is postponed by more than 15 days, the current policy will be void, so better to get dates changed.

For this you can put in a service request at the link given below:

https://www.insurancepandit.com/support/service_request.php

Q13. I have taken an instant travel insurance policy but there are some mistakes like spelling, address, passport no., nominee name. What can I do?

You can put in a service request using the link given below:

https://www.insurancepandit.com/support/service_request.php

You will get the endorsement on the same day if your policy has not started. But if your policy has already started, endorsement can only be made after proper evidence for the required change is given.

If you are in a hurry and have to leave immediately, it is advisable to buy a new policy and put a request using the above link for cancellation of your earlier policy. The amount will be refunded to your account within 4-5 working days.

Q14. There are more than 90 days left for my travel start date but I need my travel insurance policy for visa. What should I do?

Some insurance companies do not provide travel insurance if there are more than 90 days left for the travel to begin. However, you can opt for plans of Cholamandalam and Tata AIG. Further, if medical tests are required, most of the companies provide insurance only 30 days in advance. Bajaj Allianz has a plan for age group 71 to 85 where you can get insurance more than 30 days in advance.

Q15. I have purchased tickets for my overseas trip and my travel itinerary is final. When should I buy my travel insurance policy?

Once you have purchased the air tickets and/or made hotel and other bookings, you have already spent a large chunk of your trip budget. It is best to buy your travel insurance policy soon after you buy your tickets and make bookings as many policies offer trip cancellation and interruption benefit wherein the Company will pay this benefit up to the Sum Insured as specified in the policy for trips that are canceled before the scheduled departure date due to certain specified reasons . The Company will reimburse for the forfeited, nonrefundable prepaid payments, made prior to the Insured Person’s departure date.

Before departure you can even cancel your policy by paying a minimal charge or even in some companies, no charge at all. So, there is no harm in buying your policy. Don't wait till the last minute to buy your travel insurance as sometimes, server issues or payment issues might also be there due to which you may have to buy a plan different from the one you have selected.

Note: Please check plan benefits while buying travel insurance whether trip cancellation is covered or not. Also refer policy wording to check the circumstances under which this benefit is payable.

Q16. Can a minor become assignee in travel insurance?

Yes, a minor can be assignee in travel insurance.

Q17. Yes, a minor can be assignee in travel insurance.

No, Indian insurance companies do not provide travel health insurance for this yatra.

Q18. When does the travel insurance cover begin?

The travel insurance cover commences on the date specified in the Policy Schedule or the time you board the conveyance to leave for onward overseas journey or the Departure Date as per the policy, whichever is later.

If you are starting your journey after 15 days from the travel start date mentioned on your policy then your policy becomes invalid, so get your policy revalidated and travel start date on it changed. if your travel start date has not begun ,you can simply put request for change of travel date and if travel start date has begun then you need to send us the passport copy as proof that you have not travelled and date needs to be changed.

Q19. Till when is the travel insurance policy valid?

Overseas travel insurance cover shall terminate

i) With the end of Insurance Period i.e. the period for which the premium has been paid or

ii) When the insured person first disembarks on return to India

although insurance companies provide the benefit of Automatic Extension of the Policy if the completion of the insured journey is delayed solely because of a failure of public transportation or other services upon which the insured was reliant.

If you want to extend your policy further due to reason your stay has extended,you can get same extended by contacting us.Norrmally it is done before the expiry of policy.Some insurers provide three days grace after the expiry of policy.

Q20. Do I need to carry the policy along with me?

You are advised to carry the policy along with you when traveling. This would be helpful in case of a claim. But most important the policy details ,like policy number, should be known to the insured when traveling

Q21. How much of the hospital expenses are covered by the policy? Is it 100%?

Hospital expenses shall be reimbursed in excess of the deductible and up to the sum(s) insured applicable to each cover.

Q22. Is there a cap on the hospital amount per day?

Yes, in certain policies there is a cap on the hospital amount per day. Please refer to our limits of liability benefit for further details or refer to the policy wordings given against each plan.

Q23. Is medical examination necessary for travel insurance policy? When and where are medical tests to be done?

You will find plans on insurancepandit.com which offer cover without medical tests for all ages.

But,medical tests are required for certain age groups and sum insured, depending upon the plan and insurance company. When you search plans on our portal, you will be shown whether tests are required or not and if yes, which tests are required, against each plan.

Medical tests have to be done within 30 days(15 days in some comapnies) before travel start date.Travel health policy where medical tests are required can be issued within 30/15 days of travel start date ,for example if you are planning to travel on 15th dec 2015 then medical tests have to be done after 15 th Nov2015 and policy can be issued after 15th Nov 2015.

Medical tests can be done in any pathology lab and reports need to be certified by MD doctor and MER(medical examination report) form is also required to be signed by MD doctor.

Q24. am over 70 years old. Do I need to take medical tests?

Now, travel insurance plans without medical tests are available for all ages, even above 70 years.You can check these plans at

Q25. What are the Medical tests required?

Normally the insurance companies require three tests: E.C.G., Urine and Blood Sugar test but the required tests may vary from insurance company to insurance company depending upon the type of case. These tests are mentioned in our portal against each plan.

Q26. Are the expenses for the test a part of the overseas travel insurance policy or additional?

The cost of the medical tests(wherever required) has to be borne by the insured.

Q27. Do I need to go to the doctors specified by travel insurance policy?

Although there is no specified list of Doctors/Clinics/Hospitals/Labs to get the medical exam done for most of the companies, these tests are to be verified by M.D. Doctor only for all the companies.

Q28. How can I make any change (addition/deletion/change in name or address etc) in my present overseas travel insurance policy?

For any endorsement before departure date, please put a service request using the link given below:

https://www.insurancepandit.com/support/service_request.php

After departure date, a copy of passport would be required for any permissible endorsement.

Q29. Are there any sub limits like room rent, etc?

For any endorsement before departure date, please put a service request using the link given below:

https://www.insurancepandit.com/support/service_request.php

After departure date, a copy of passport would be required for any permissible endorsement.

Yes in some policies there are sub limits as given below.

ICICI Lombard

1. For policies with sum insured over US$ 100,000, the limit of liability of the company will be restricted to US$ 100,000 per sickness, disease or accident.

2. For persons aged 56 years and above, the maximum eligible medical expenses per sickness, disease or accident that may lead to one or more medical expenses and/or hospitalization expenses are as follows, irrespective of the plan / option purchased. These limits are further restricted to the maximum sum insured specified in part 1 of the schedule.

Hospital Room and board, and hospital misc. expenses -maximum US$ 1,600 per day up to 30 days

Intensive care unit - maximum US$ 3,000 per day up to 7 day

Surgical treatment - maximum up to US$ 12,000

Anesthetist services - up to 25% of surgical treatment

Physician's visit - maximum US$ 75 per day up to 10 visits

Diagnostic and pre-admission testing - maximum US$ 750

Ambulance services - maximum US$ 500

Tata AIG

For persons aged 56 years and above, the maximum eligible medical expenses per sickness, disease or accident that may lead to one or more medical expenses and/or hospitalization expenses are as follows, irrespective of the plan / option purchased. These limits are further restricted to the maximum sum insured specified in part 1 of the schedule.

Hospital Room and board, and hospital misc. expenses -maximum US$ 1,500 per day up to 30 days

Intensive care unit - maximum US$ 3,000 per day up to 7 days

Surgical treatment - maximum up to US$ 10,000

Anesthetist services - up to 25% of surgical treatment

Physician's visit - maximum US$ 75 per day up to 10 visits

Diagnostic and pre-admission testing - maximum US$ 500

Ambulance services - maximum US$ 400

Future Generali

For persons aged 56 years and above, the maximum eligible medical expenses per sickness, disease or accident that may lead to one or more medical expenses and/or hospitalization expenses are as follows, irrespective of the plan / option purchased. These limits are further restricted to the maximum sum insured specified in part 1 of the schedule

Hospital Room and board, and hospital misc. expenses -maximum US$ 1,750 per day up to 30 days

Intensive care unit - maximum US$ 2,500 per day up to 7 days

Surgical treatment - maximum up to US$ 12,500

Anesthetist services - up to 25% of surgical treatment

Physician's visit - maximum US$ 75 per day up to 10 visits

Diagnostic and pre-admission testing - maximum US$ 1000

Ambulance services - maximum US$ 500

Q30. Can I get a refund if there is change of plan?

Yes, you can get the refund after fulfilling the requirement of cancellation of policy .The original policy amount will be deducted by the cancellation charges. For details kindly refer cancellation and refund policy of each insurance company given against each travel insurance plan on our website.

Q31. What is the procedure for issuance of a duplicate policy?

You can put in a service request using the link given below:

https://www.insurancepandit.com/support/service_request.php

Q32. Is there any travel insurance plan without Medical Cover?

Yes, overseas student travel insurance plans without medical cover are available (only for students) as some foreign universities offer their own medical insurance.

Q33. Is there any travel medical insurance plan which covers Drug Abuse, Cancer Screening, Inter collegiate sports, child care, Mental & nervous disorders, pregnancy?

Yes, Plans are available only for students under ICICI Lombard, Reliance, Tata AIG and Cholamandalam (student travel insurance plan).

https://www.insurancepandit.com/travel/travel_insurance.php

Q34. My parents are quite healthy and coming to USA to visit us. Do we really need overseas medical insurance for them?

Overseas medical insurance is for future financial protection for medical problems. As future medical problems or injuries/accidents can't be predicted and medical treatment in USA is very expensive; hence it is always advisable to buy medical insurance.

Q35. If I lose my passport, will that be covered under overseas medical insurance?

Yes, most of the travel insurance plans cover loss of passport as well as the expenses incurred towards the procurement of a duplicate/temporary passport. Please check the coverage offered by the specific plan that you choose.

Q36. What happens if my baggage is delayed for more than one day but not lost? Will I get some compensation?

Most insurance companies cover baggage delay if the baggage is delayed for more than 12 hours. Compensation is given for emergency items purchased like medicines, clothing and toiletries. You will have to provide receipts for the same. If your baggage is lost, then compensation is given for the market value of the items lost subject to coverage and limits specified in your policy.

Q37. How do I know the limit of each type of expenses, what expenses are covered or not?

You can know the limits and coverage by clicking on the Show benefits icon against each plan. The general coverage and exclusions are also given in the Learn More section on our portal. For further clarification, you can refer to the policy wordings of each company.

Q38. What are pre-existing conditions?

Any condition, ailment or injury or related condition(s) for which insured person had signs or symptoms, and/or were diagnosed, and/or received medical advice/ treatment, within 48 months prior to seeking insurance cover.

Q39. Is there a cover for pre-existing medical conditions?

Pre existing diseases are excluded from the scope of travel health insurance policies.

But some companies namely Cholamandalam(approval required for age above 60 years) and Tata AIG(cover up to US$1500) cover pre-existing diseases in life-threatening emergency situations, more specifically, life saving unforeseen emergency measures, or measures solely designed to relieve acute pain, provided to the Insured by the Physician for Disease/accident arising out of a pre-existing condition. The treatment for these emergency measures would be paid till the insured becomes medically stable or is relieved from acute pain. All further medical cost to maintain medically stable state or to prevent the onset of acute pain would be borne by the insured

Q40. My mother has diabetes and she needs to take insulin injection every day. Is that covered in overseas medical insurance?

No. That would be considered as a pre-existing condition and hence would NOT be covered.

Q41. What is the point of buying overseas medical insurance if it does not cover pre-existing medical conditions? These are the ones we need to get covered. Probability of other illnesses is very low anyway.

Even though the insurance will not cover pre-existing conditions, it will cover other conditions that were not pre-existing or unrelated to pre-existing conditions. The basic purpose of insurance is to cover you against the unexpected, unforeseen circumstances. You may be worried about the pre-existing conditions. However, you never know what may happen in future. A person may get into any health problem such as weather change, allergies in a new place, change of food, cold, fever, flu, diarrhea, pneumonia, food poisoning, snake bites, getting hit by car, falling in snow, or any other small or big health problems like urine infection, heart attack for reasons not related to pre-existing conditions. Therefore, it is very advisable to buy health insurance for those traveling abroad.

Q42. What are the things to look for while choosing student travel insurance plan?

While choosing the right travel insurance plan, students should keep some important things in mind.

Is this particular student travel insurance plan acceptable to your university?

Does the plan cater to university medical insurance specifications?

Does it provide sufficient cover in case of emergency situations?

Q43. Is pregnancy covered in overseas health insurance policy?

No, infact it is one of the exclusions of travel health insurance.

However in the event of acute complications in the course of pregnancy ,IFFCO TOKIO overseas health insurance policy will indemnify (within the scope of the policy) medical measures to directly avert danger to the life of the mother and / or child, on the condition that the pregnant woman has not reached the age of 38 years and the 30th week of the pregnancy has not yet been completed.

Medical treatment of typical symptoms suffered during pregnancy and their consequences, including changes in other chronic conditions as a result of pregnancy is not covered.

Any medical check-ups during pregnancy or treatment of the pregnancy are also not covered.

Q44. I am going for pilot training. Does my overseas health insurance cover medical expenses to treat the injuries sustained during the training period?

No, your overseas health insurance policy does not cover the medical treatment for injuries sustained during training. You will have to get it covered specifically by paying extra premium.

Q45. I am looking at some of the travel insurance plans and some of them cover up to $200,000, but on the same note, it says hospitalization maximum limit is $25 per day.Can you please clarify this?

This daily limit is daily hospitalisation allowance besides hospitalization expenses. Medical expenses limit is $200000 subject to sublimits if any .

Q46. This daily limit is daily hospitalisation allowance besides hospitalization expenses. Medical expenses limit is $200000 subject to sublimits if any .

Trip Cancellation Benefits: This benefit pays up to the Sum Insured as specified in the policy Schedule for trips that are canceled before the scheduled departure date due to the reasons specified below. The Company will reimburse for the forfeited, nonrefundable prepaid payments, made prior to the Insured/Insured Person's departure date.

Trip Interruption Benefits: This benefit pays up to the Sum Insured as specified in the Policy Schedule for trips that have been interrupted, due to the reasons specified below.

The Company will reimburse for the forfeited, non-refundable prepaid payments, made prior to the Insured Person’s departure date and additional transportation expenses incurred by the Insured Person, either to

1. Return to the Republic of India; or

2. From the place that the Insured/Insured Person left the trip to the place that the Insured / Insured Person may rejoin the trip

3. Additional transportation expenses incurred by the Insured/Insured Person to reach the original trip destination if the Insured / Insured Person is delayed, and leaves after the trip departure date.

Trip cancellation and interruption benefit provides compensation if a trip is canceled or interrupted due to any of the reasons given below.( This is a general list and varies from company to company. Kindly check policy wording for specific details.)

1. Unforeseen disease, illness, injury, or death of the Insured / Insured Person’s family member. Disease, injury or illness must be so disabling as to reasonably cause a trip to be canceled or interrupted

2. Termination of employment or layoff affecting the Insured /Insured Person or the Traveling Companion of the Insured, provided that the Insured / Insured Person or the Traveling Companion, as the case may be, have been employed with the employer for at least three continuous years

3. Inclement weather conditions causing cancellation of the trip

4. The place intended to be occupied by the Insured / Insured Person for purposes of Insured/Insured Person’s stay during the trip or the destination being made uninhabitable by fire, flood, vandalism, burglary, or natural disaster;

5. The Insured/Insured Person being abducted or quarantined

6. The Insured / Insured Person or a Traveling Companion being the victim of a felonious assault within 10 days prior to the departure date, provided that the Insured / Insured Person (including any member of their family) or the Traveling Companion (including any member of travelling companion’s family) is/are not principal or accessory in such felonious assault.

7. A terrorist incident in a City/destination listed on the Insured/Insured Person’s itinerary within 30 days of the Insured/Insured Person’s scheduled arrival.

Q47. I have taken a rental car abroad. Is the damage to the rental vehicle covered under overseas health insurance policy?

No, it is one of the exclusions of the policy. Kindly refer the policy wording for further details.

Q48. Do we need to pay upfront in case of a medical treatment and then claim, or the insurance policy will pay upfront?

In an emergency situation where hospitalization and/or medical evacuation are required, the insurer covers these costs upfront (subject to the insured complying with the policy wording). You would need to contact your relevant Emergency Assistance Service immediately to notify them of the situation.

If it is not an emergency and the costs are uptoUS$500, then you would pay upfront and make a claim once all treatment is complete.

Q49. What is a TPA?

TPA stands for Third Party Administrator. The most essential service they provide is cashless medical services. They also provide the necessary information to deal with any problem regarding claims.

Q50. From where can I get the claim form to make a claim?

Generally the claim form is provided in the travel kit with the policy itself and in the event of a claim, is to be submitted as per instructions provided in the Policy and Claim Handling procedure of the company.

You can also obtain or download it from company’s website or TPA website.

You can also download claim forms from the claims assistance and forms section of our site.

https://www.insurancepandit.com/travel/travel_claim_assistance.php

Q51. In case medical treatment is required, is there any need for any pre-approval before hospitalization?

You would need to contact insurer’s TPA (the address and phone numbers of TPAs are given in our claims assistance and forms section) and they would arrange for the cashless claims for the medical treatment. In case cashless facility is denied for any reason, you can still apply for the reimbursement of your medical bills.

Q52. Would I be reimbursed for the medical expenses incurred abroad, if I go specifically for the purpose of seeking medical treatment?

Travel health insurance covers you only for accidents or sickness which happen unexpectedly and unintentionally while you are traveling abroad. This policy does not cover planned Medical Expenses / Treatment overseas.

Q53. In case I lose my baggage, how do I claim?

TPA has to be contacted to register the claim. You will have to submit the baggage loss claim form along with the supporting documents from the airline. Claim forms and TPA contact numbers are given in your policy document and are also there on our site https://www.insurancepandit.com/travel/travel_claim_assistance.php

Q54. What if in an emergency I don't have time to call up?

TPA should be contacted by any person within 48 hours and given the details about the insured.

Q55. Can I continue my treatment of the disease which happened during my travel abroad, in the home country, after expiry of my policy?

If the Third Party Administrator (TPA) advises that the continued treatment in the republic of India is appropriate, then the company will pay the medical expenses incurred in India for the same illness/injury contracted abroad following the transportation to India, for a maximum period of time varying from company to company from the date of return to the Republic of India, provided that the illness/injury is sustained or contracted within the period of insurance during the trip abroad.

Q56. If I am evacuated on grounds of medical reason, can I continue my treatment in India?

If recommended by the claims administrator and subject to the medical sum assured remaining, you can be indemnified in respect of the medical expenses incurred by you within India to continue medical treatment started outside India, immediately prior to any medical Evacuation. The company’s liability to make payments shall be limited to a specific period of time which varies from company to company.

Q57. Which doctors/hospitals can I visit?

You can go to the hospital of your choice and third party administrator (TPA) of your insurer will arrange for the cashless facility for you in the same hospital. Most TPAs have tie-ups with the local TPAs and arrange for cashless settlement. In case cashless facility is denied for any reason, you can still apply for the reimbursement of your medical bills.

Q58. How and where can I register a claim? What are the documents required?

Overseas Hospitalisation Claim, if payable as per policy terms and conditions, is cashless worldwide.

You have to register a claim at the Alarm Centre of the TPA or Emergency Assistance Service provider at their respective numbers given in your policy and you will be guided how to proceed further. You may be required to submit the claim form duly filled along with the relevant documents. The claim procedures and relevant information is available at insurancepandit.com.

A list of the documents required for different types of reimbursement claims is given below. This is a general list and your insurer may require some additional documents.

Medical Accident & Sickness Expenses, Dental Treatment, Personal Accident(For reimbursement claims) Medical Claims below US$500 are not cashless but reimbursible.

1) Signed Claim form

2) Doctor’s report

3) Original Admission/discharge card

4) Original Bills/Receipts/Prescription

5) Original X-ray reports/ Pathological/ Investigative reports

6) Copy of passport/Visa with Entry & exit stamp

Loss of Passport

1) Copy of new passport

2) Copy of previous passport (if available)

3) Original bills/invoices of expenses incurred for obtaining a new passport

4) Copy of FIR/ Police Report

Loss of Baggage

1) Claim form

2) Copies of boarding pass, ticket, baggage tags

3) Copies of Correspondence with the Airline authorities/Others about loss of checked baggage

4) Property Irregularity Report (obtained from Airline)

5) Details of compensation received from Airlines/Other authorities, if any

Delay of Baggage

1) Claim form

2) Copies of boarding pass, ticket, baggage tags

3) Copies of Correspondence with the Airline authorities certifying the delay

4) Property Irregularity Report (obtained from Airline)

5) Original bills/receipts/invoices pertaining to expenses incurred/purchases made during the delay period

6) Copy of passport/Visa with Entry & exit stamp

Trip Delay/ Cancellation/ interruption/ missed connection

1) Claim Form

2) Please attach confirmation from the airlines, clearly mentioning the scheduled arrival time and the actual arrival time

3) Copies of Correspondence with the Airline authorities certifying about the delay

4) If trip is cancelled or interrupted due to medical reasons then provide medical reports and doctors statement

5) If trip is cancelled or interrupted due to employment reason, then termination letter from the company shall be submitted

6) If due to other insured events, police report confirming the incident shall be submitted

7) In case the cancellation or interruption is owing to the sickness, injury or death of a traveling companion, the original tickets of the insured and the traveling companion indicating travel to the same destination for the same dates needs to be submitted

8) All the bills / receipts of reasonable additional expenses incurred and / or proof of cancellation charges levied by the carriers shall be submitted.

Personal Liability

1) Full statement of the facts in writing

2) Witness statements

3) Any other documents relevant to the incident, including Summons, Legal Notice etc.

4) Any other information you would like to share.

5) Claim Form

Hijack

1) Full statement of the events in writing

2) Claim Form

3) Airline correspondence (copy of Passenger List etc.)

4) Copy of ticket/ Boarding Pass

Accidental Death & Dismemberment

1) Claim form

2) Original Death Certificate,

3) Copy of FIR/Police inquest report/Coroners report

4) Copy of Post Mortem report.

5) Dismemberment Case:

6) Copy of treatment papers along with No. 1 &3 above

Financial Emergency Assistance

1) Date of loss

2) Copy of FIR/ Police Report

3) Visa/ passport copy

Q59. My mother is hurt during transit,will medical expenses incurred to treat her are covered?

Accident means a sudden, unforeseen, uncontrollable and unexpected physical event to the Insured Person caused by external, violent and visible means occurring during the Insured Period.It is covered and you can claim for same under travel health insurance.Travel health insurance starts when you board the flight.

Q60. Is the policy of IFFCO- TOKIO acceptable in Schengen visa requirement?

Yes, IFFCO Tokio travel insurance plans are acceptable for Schengen visa requirement. Given below is the approved list of Indian travel insurance companies for Schengen visa insurance.

  1. COMPANY NAME

    APPROVED FULL COVERAGE OF AGE GROUPS

    Apollo Munich Health Insurance Company                                                                                 

    6 months – 70 years

    Bajaj Allianz General Insurance Company

     6 months – 70 years                                                                                                                                                 

    Travel Prime Super Age Policy without age limit

    Bharti AXA General Insurance Company

    3 month – 85 years

    Cholamandalam MS General Insurance Company

    0 month – 70 years

    Cigna TTK Health Insurance Limited

    0 month – 75 years

    Go Digit General Insurance Limited

    0 months – 99years

    Future Generali India Insurance Company

    6 months – 70 years

    HDFC ERGO General Insurance Company

    3 months – 70 years

    ICICI Lombard General Insurance Company

    3 months – 50 years

    Policies for Schengen Countries 51-85 years

    IFFCO - Tokio General Insurance Company

    3 months – 70 years

    National Insurance Company

    6 months – 60 years

    Schengen Plan 61- 80 years

    Reliance General Insurance Company

    3 months – 70 years

    Travel Care Policy - Schengen Plan up to 71-80years

    Religare Health Insurance Company

    All Plans without age limit

    Royal Sundaram Alliance Insurance Company

    3 months – 70 years

    SBI General Insurance Company

    6 months – 70 years

    Shiram General Insurance Company

    3 Month – 65 years

    Star Health & Allied Insurance Company

    6 months – 70 years

    Tata AIG General Insurance Company

    6 months – 55 years

    Travel Guard (without Sub limits) 56-70 years

    Travel Guard Senior (without Sublimits) 71years and above

    The New India Assurance Company

    6 months – 70 years

    The Oriental Insurance Company

    6 months – 60 years

    United India Insurance Company

    without age limit

    Universal Sompo General Insurance Company

    0 month – 95 years

Q61. Can the travel dates be adjusted after the grant of visa?

Yes, you can get the dates changed before your policy start date by emailing us the request for the same.

After your policy start date, travel dates can be changed upon giving a proof of non travel like a copy of all the pages of the passport.

Q62. My mom is travelling to the UK next month. Do the Schengen countries include UK?

No, UK is not included in the Schengen countries. Please select the worldwide excluding USA/Canada plan.

Q63. Can I discuss the basic travel insurance requirement on phone with your executive?

Yes. Our customer care executives are available from 9 a.m. to 9 p.m. IST to answer your insurance related queries. You may give us a call at 8010228899.

Q64. I am diabetic since last 7 years, (on insulin since last one year), Have undergone angioplasty in Feb 2017. There are no medical illness options except only writing once. If I write Diabetes, I will be hiding cardiac problem, If I write IHD, I will be hiding my diabetes. Why can’t you have additional illness options in your drop down option?

This is a general list of certain specified illnesses for which most of the insurers do not provide coverage. So, just to show you suitable insurance plans, the list is provided at this step. You can select either one or when you fill the online insurance proposal form; you will have the option to mention both.

Q65. I am getting the message that no plans are available. What should I do now?

You can change your search criteria like if you are selecting a family option for age above 70, you may not get any plans; then you should look for individual plans. In case of a certain pre existing condition declined by all companies, you may not get any option. There may be certain other scenarios; if it gets too confusing, please give us a call at 8010228899 from 9:00am to 9:00 pm IST or write to us at info@insurancepandit.com.

Q66. Why is Schengen Visa sum insured given in $ and not in Euro?

Certain insurance companies have specific insurance plans valid only for Schengen areas and have the coverage in Euros. But most of the plans valid for the Schengen area from Indian insurers show coverage in USD. As a rough estimate, the USD 50000 plan would work for the Euro 30000 coverage condition of Schengen visa insurance.

Q67. In case during our stay we have to go to dentist or general physician for any viral fever/stomach pain etc, how to go about it? These ailments can happen to anybody at anytime and anywhere.

Your travel insurance plan covers outpatient care and dental care (subject to terms and conditions of the policy) as well. For sum insured or coverage, you must refer to your policy document. Each plan has a deductible amount of US$ 50 toUS$100 which you have to pay from your pocket; anything above that is payable by the insurance company. For claim procedures of different insurers, please refer the link:

https://www.insurancepandit.com/travel/travel_claim_assistance.php

Q68. Why can’t I buy with my International Credit Card?

Once you select the mode of payment and click on submit, you are redirected to the payment gateway of the insurer. Some of these may accept an international card and others may not. It is advisable to use an Indian credit/debit card.

Q69. Is BP a pre existing medical condition?

Yes, high or low blood pressure is a pre existing medical condition.

Q70. Is the premium for travel insurance to be paid periodically or is it just a one-time payment?

Premium for travel insurance is a onetime payment for the period of travel specified.

Q71. Does this Travel Insurance cover the required Medical Insurance overseas too?

Yes, travel insurance plans available on our website cover medical insurance overseas too for the trip duration specified.

Q72. I am travelling from India with my 21 year old son and my husband is joining from Dubai, can we go for a family policy (worldwide except US and Canada)? Or do we need to take three individual policies for our visit to Istanbul and Athens for 10 days.

You can take a family travel insurance policy for yourself and your son. Your husband will have to take an insurance cover from Dubai as Indian travel insurance plans require one to be in India at the time of start of their journey. Since he is already in Dubai, Indian insurance plans would not be available.

Q73. I am a Dutch national (The Netherlands passport holder) with an OCI card currently living in India for more than 11 months. I want to visit the Netherlands for nearly two months. Will the quoted insurance policy cover me? Please suggest.

Overseas travel insurance does not provide coverage for the country you are a resident of.

Q74. We need to buy 10 travel insurance policies, but offline. Can someone come to the office and help us with the purchase?

You can give us a call at 8010228899 and our customer care executive will be happy to assist you. It is an easy online process and a visit to your office will not be required.

Q75. My parents are visiting me in USA. They plan to stay for 5 months but may have to go back earlier. In this case, will I get a refund of the money I paid for travel insurance for the remaining period?

You must select a plan with ‘refund on early return’ benefit. Then, if your parents have to return early and there has been no claim in the policy, a proportional amount of money will be refunded as per the policy’s terms and conditions.

Q76. What are the documents required for processing the refund in case of early return?

In general, the documents required would be:

Copy of all pages of passport

Ticket and boarding pass.

Q77. What comes under life threatening conditions?

Any medical emergency that may threaten the life of the insured would be considered a life threatening condition.

Life Threatening Medical Condition means a medical condition suffered by the Insured person which has the following characteristics:

Markedly unstable vital parameters (blood pressure, pulse, temperature and respiratory rate:or

Acute impairment of one or more vital organ systems (involving brain, heart, lungs, liver, kidneys and pancreas); or

Critical care being provided, which involves high complexity decision making to assess, manipulate and support vital system functions to treat single or multiple vital organ failures and requires interpretation of multiple physiological parameters and application of advanced technology; or

Critical care being provided in critical care area such as coronary care unit, intensive care unit, respiratory care unit, or the emergency department; and certified by the attending Medical Practitioner as a Life Threatening Medical Condition.

Q78. What are the extra charges for including baggage in the travel insurance?

Loss and Baggage of delay is included in almost all of the travel insurance plans up to the specified limits. Please click on the Check your quote,compare & buy plan link and check view plan benefits to know the details of the coverage.