How to Choose The Right International

Travel Insurance

• When we decide to go on a holiday, there are quite a number of things that we research before leaving. The destination, the weather, flight tickets, clothes, amount of money to carry, food choices, and so much more. We leave no stone unturned.

• However, when it comes to international travel insurance, we do not put in the same efforts. We either choose the most affordable one or buy one without giving it a proper read. That’s not a wise investment. Here are a few simple tips that will help you buy the right international travel plan.

1. Destination and Premium

• Your destination has a direct impact on the premium you pay and the sum insured. Countries which pose a high risk or where medical treatments are expensive; you will pay a higher premium. Compare a few plans and their premiums before you choose one.

2. Read The Medical Cover

• When abroad, your travel insurance is your go to medical insurance. If you need medical aid or emergency treatment, your travel insurance kicks in. When you buy a plan, make sure it covers these scenarios:

• Medical aid (slings, injections, medicines)

• Medical transport services

• Diagnostic tests (X-ray, MRI, CT scan)

• Medical Evacuation

• Pays daily allowance in case of hospitalisation

• Repatriation of remains in case of death

3. Cover for Loss/Delay of Baggage

• You can never guess when a burglar may strike and run off with your baggage. Make sure the travel insurance compensates you for lost belongings and even loss of vital documents such as passport and identity documents.

• If an airline delays your baggage, a travel insurance should reimburse you for clothing, medicines, and other important purchases.

4. Exclusions

• A travel insurance is designed to ensure your safety while abroad. There will be some scenarios which the insurer will not cover. This can range from – injuries due to adventure sports or drunken activities to deliberate trip cancellations and suicide.

• Read the policy wordings with utmost focus. You do not want to face a rejected claim, do you?

5. Claim ProcedureNobody wants to see their trip disturbed due to unforeseen circumstances. However, if your trip is interrupted, you should know the claim procedure at the back of your hand.Check with the insurer on how they process each claim, speak to the Third Party Administrator (TPA), and research the claim success ratio online. When the time arises, the claim procedure should be as smooth as possible.

These five tips are what you

need to keep in mind when you

buy a travel insurance. Buy the right one and you can

travel without any worry.