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Travel Insurance FAQs |
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How do I get my Travel insurance extended ?
I have an existing medical condition. Will my Travel insurance pay for it ?
Can I buy a Travel insurance policy for a year ?
My mother is 80 years old and needs to travel to US. Can I buy travel insurance for her ?
How do I make a claim for medical expenses ?
What is maximum benefit amount for which I can buy a Travel insurance plan ? How can I buy it ?
Q) How do I get my Travel insurance extended ?
A) You need to email to your insurance company an extension request with a declaration stating that you are in good health and that you have not preferred any claim till the date. You also need to arrange for payment of premium required for the extension.
A) Generally insurance companies do not extend a policy if it expired. However, you may connect with your insurance consultant to see if your case could be made an exception.
A) Once you land in India, your travel insurance expires (unless it is a Multi-Trip Plan). You need to buy a fresh policy to go back to USA.
Q) I have an existing medical condition. Will my Travel insurance pay for it ?
A) Travel insurance Plans do not cover pre-existing medical conditions. This would mean, no claim will be paid for any treatment directly or indirectly related to the pre-existing medical condition. However, certain Plans cover expenses for Pre-existing diseases in case of life-threatening situations.
Q) Can I buy a Travel insurance policy for a year ?
A) A travel policy can be purchased for a maximum of 360 days at a stretch. People who need to travel abroad frequently can buy a Annual Multi-Trip policy with a maximum trip duration of 90 days and use the same policy throughout the year.
A) Medical Tests are NOT required upto age 70.
Q) My mother is 80 years old and needs to travel to US. Can I buy travel insurance for her ?
A) Yes, Travel insurance can be arranged upto the age of 80 years subject to medical tests and discretion of the insurance company.
A) A claim for delay in arrival of checked-in baggage can be made whilst you are abroad. Once you are back in India, you cannot make this claim.
Q) How do I make a claim for medical expenses ?
A) You need to contact the Helpline number provided in your Travel insurance policy and provide the policy details. While cash-less facility is available for in-patient treatment in a hospital / nursing home abroad, the out-patient treatment expenses are reimbursed in India.
A) You would need to contact the third party administrator (TPA) at the Helpline number given in your insurance policy and they would arrange for the cashless claims for the medical treatment.
A) TPA stands for Third Party Administrator. The most essential service they provide is cashless medical treatment. They also provide the necessary information to deal with any problem regarding claims.
Q) What is maximum benefit amount for which I can buy a Travel insurance plan ? How can I buy it ?
A) US$ 5,00,000. Please contact us.
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