There are several Insurance Companies in India which commit best options while you look for Travel Insurance. But most of the time their policy conditions become worst.
If someone needs the policy benefits then these companies ask for so many documents and information about the conditions which were not discussed at signup time.
If you are planning your next business/family trip to Schengen countries, travel insurance is mandatory for Schengen Visa.
Best Travel Insurance Companies In India
Here I have collected the 5 best travel Insurance for Europe visits. These policies are offered by some of the best Insurance Companies in India which have a settlement and disburse ratio of more than 90%.
SBI Travel Insurance :
State Bank Of India offers a variety of products to its customers Included Credit Cards, Loans, Investments, Insurance etc.
And SBI Travel Insurance plan is one of the best Travel Insurance plans in India.
SBI Travel Insurance covers any Individual between 6 Months to 70 years of age, and it doesn’t require any type of medical checkup before signup any insurance plan.
- The insurance plan covers up to 10% of the coverage limit (25K USD) in an accidental case.
- Personal liability covers up to 50% of the total coverage limit (200K USD).
- Also covers any type of loss of Passport, Baggage, and in emergency during Flight Travel.
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And the SBI Travel Insurance doesn’t cover any individual if he/she is a part of any force, war, or military, Using an unauthorized flight for travel, is injured during mountain climbing, racing or being a part of any criminal activity.
Bajaj Allianz Travel Insurance:
While the other insurance companies consider a maximum of 70 years of age (for buying an Insurance plan without any hassle).
Bajaj Allianz can consider until 75 years.
Bajaj Allianz not only covers any type of loss of Passport, Baggage, and an emergency during Flight Travel.
Even also help you if you require any emergency cash in any foreign land. So you can enjoy your trip in a better way.
The insurance plan doesn’t cover any type of financial loss (Business, Lottery, Personal Trip expenses etc), Suicide case, Childbirth, Drug issues, etc.
Appolo Munich Travel Insurance:
Apollo Munich Insurance plan covers any Individual between 6 months to 70 Years of age in India.
The insurance plan helps you in any medical emergency, loss of checked baggage, flight delay and cancellation and Hijack.
The insurance plan doesn’t cover any type of financial loss (Business, Lottery, Personal Trip expenses etc), Suicide case, Childbirth, Drug issue, etc.
Bharti Axa Life Insurance:
With an age limit of 180 days to 70 years. Bharti Axa Life Insurance helps travellers during the trip if they face any issue like – Medical emergency, loss of passport and other travel documents, flight delay and loss of checked baggage.
And don’t support in case of any pre-existing medical conditions, sports medical treatment or any other fatal treatment.
The Policy also doesn’t cover drug and suicide, drink & drive, loss of passport, Documents (If you haven’t informed them within 24 Hours) and unchecked baggage.
HDFC ERGO Travel Insurance:
As with the other Travel Insurance policies, HDFC ERGO also covers any Individual for up to 70 years without any medical checkup.
The policy covers issues like – Medical emergencies, loss of passport and other travel documents, flight delay and loss of checked baggage, and Flight Hijak cover etc.
It also covers outpatient, inpatient, medical aid, therapies and diagnostic tests as described in the policy schedule
And don’t cover the case of suicide, Drug / Drunk & Drive, Sports Fatal, any criminal offence etc.
Important Points:
- Most of Travel Insurance Company has almost the same benefits which cover any Individual.
- A few of them also offer emergency fund facilities where you will be provided with a fixed fund to help you.
- If You are going to apply for Schengen Visa you must go for travel Insurance with a min-sum assured of 50K USD.
- You can also cover your short journey (1-4 Days).
- Must read terms & conditions before signup any plan.
- These financial guidelines and benefits can be changed at any time without any prior notice. So before applying for any new Insurance Plan must check updates.