Travel Insurance
Total Cover
100% Claim Settlement
No
Documentation
Reasonable
Premium
Total Cover
100% Claim Settlement
No
Documentation
Reasonable
Premium
Our Proud Partners - Beemawala
Client Testimonials
2 months ago
Great experience with Beemawala . The customer service was top-notch, and the process was smooth and efficient. Highly recommend them for their professionalism and helpfulness!
3 months ago
One of best Policy providers I came across. Highly recommended, superb customer experience, Soft spoken and solutions oriented costumer support . ⭐️⭐️⭐️⭐️⭐️
8 months ago
They guided me through the intricacies of various insurance options, ensuring I fully understood each policy's coverage and benefits. Their transparency and willingness to address all my concerns instilled a sense of trust and confidence in their services.
6 months ago
Good service whenever we call to them they give positive response i have a claim they support and my claim got settled
6 months ago
Brilliant place for all types of insurance. Always connected with every claim settlement.. Hassle free.. Kudos to beemawala..
What is Travel Insurance ?
Travel Insurance is a financial product designed to provide coverage for various risks and uncertainties associated with traveling. It offers protection against unexpected events that could disrupt or negatively impact your trip. Travel insurance policies are customizable, allowing travelers to choose coverage options that best suit their needs. Common coverage areas include trip cancellations, medical emergencies, baggage loss or delay, flight delays, and emergency medical evacuations. This insurance aims to offer peace of mind and financial security to travelers by reimbursing expenses incurred due to covered events during their journey. It is particularly important when traveling abroad, as it helps mitigate the financial burden of unforeseen circumstances and allows travelers to focus on enjoying their trip.
Types of Travel Insurance Policy
Travel insurance policies come in various types, each designed to cater to specific needs and demographics. Here are some common types of travel insurance policies:
Individual Travel Insurance
Basic coverage for individuals traveling for leisure or business purposes.
Family Travel Insurance
Coverage for families traveling together, including spouse and dependent children.
Student Travel Insurance
Designed for students studying abroad, offering coverage for medical expenses, accidents, and study-related interruptions.
Senior Citizen Travel Insurance
Tailored for older travelers, providing coverage for age-related health concerns and other travel-related risks.
Group Travel Insurance
Suitable for groups traveling together, such as tour groups or corporate travel.
Domestic Travel Insurance
Covers travel within the traveler’s home country, offering protection against trip cancellations, delays, and medical emergencies.
Schengen Travel Insurance
Specifically required for travelers visiting Schengen countries in Europe, meeting the Schengen visa insurance requirements.
Corporate Travel Insurance
Designed for employees traveling for business purposes, offering coverage for work-related risks.
Family Floater Travel Insurance
Covers the entire family under a single policy, offering convenience and cost-effectiveness.
Multi-Trip Travel Insurance
Provides coverage for multiple trips within a specific time period, typically a year.
Single Trip Travel Insurance
Offers coverage for a single trip or vacation.
Medical Travel Insurance
Focuses primarily on providing medical coverage during travel, especially for pre-existing medical conditions.
Emergency Evacuation Insurance
Offers coverage for emergency medical evacuation to the nearest medical facility.
Coverages of Travel Insurance policy
Medical Expenses
Covers medical treatment costs if you fall ill or get injured while traveling.
Emergency Medical Evacuation
Provides coverage for transportation to a medical facility in case of a serious illness or injury.
Trip Cancellation or Interruption
Reimburses non-refundable expenses if you need to cancel or cut short your trip due to unforeseen events.
Baggage Loss/Delay
Compensates for lost, stolen, or delayed baggage and personal belongings.
Trip Delay
Covers additional expenses incurred due to unexpected delays in travel.
Accidental Death and Dismemberment
Offers coverage in case of death or serious injury during the trip.
Emergency Assistance
Provides access to a 24/7 helpline for travel-related emergencies.
Travel Document Loss
Reimburses costs to replace lost or stolen travel documents like passports or visas.
Personal Liability
Offers coverage for legal expenses if you cause injury or property damage to others.
Hijack Distress Allowance
In case of theft or burglary, rest easy knowing you’re covered.
Missed Connection
Covers additional expenses due to missing a connecting flight.
Home Burglary Insurance
Offers coverage for loss or damage to your home while you’re away.
Hotel Accommodation
Covers costs for additional hotel stays due to unexpected delays or cancellations.
Natural Calamities
Coverage for trip disruptions due to natural disasters like earthquakes or floods.
Emergency Repatriation
Covers expenses for transporting you back to your home country in case of serious illness or injury.
It’s important to review the policy details and terms carefully to understand the extent of coverage provided by a specific travel insurance policy.
Factors Determining the Premium of Travel Insurance Policy
Trip Duration
Longer trips usually have higher premiums as they expose travelers to more risks.
Destination
Premiums can vary based on the destination’s healthcare costs, political stability, and overall risk level.
Age of Traveler
Older travelers might have higher premiums due to increased health risks.
Type of Coverage
Comprehensive coverage with additional add-ons can increase the premium.
Coverage Limits
Higher coverage limits for medical expenses, baggage, and other benefits can lead to higher premiums.
Type of Travel
Adventure travel or risky activities might result in higher premiums.
Number of Travelers
Premiums can increase with more travelers added to the policy.
Coverage Duration
Extending the coverage period can raise the premium.
Add-ons and Riders
Choosing additional coverage options increases the premium.
Coverage Level
Higher coverage levels for medical expenses and other benefits result in higher premiums.
Deductibles
Opting for a higher deductible can lower the premium.
Cancellation Limits
More coverage for trip cancellation expenses can increase the premium.
Frequency of Travel
Frequent travelers might be eligible for discounted premiums.
Major Differences Between Health insurance policy and Travel Insurance
| Aspect | Health Insurance | Travel Insurance |
|---|---|---|
Coverage Focus |
Primarily focuses on medical expenses and healthcare costs due to illness or injury. |
Covers a range of travel-related risks such as trip cancellations, lost baggage, flight delays, etc. |
Purpose
|
Provides financial protection against medical expenses and hospitalization. |
Provides coverage during travel for unexpected events and emergencies. |
Coverage Types
|
Can include individual, family, group, and corporate health insurance plans. |
Available for individuals, families, groups, and specific types like student, senior citizen, etc. |
Medical Emergencies |
Covers medical treatment, hospitalization, surgeries, and related expenses. |
Covers medical treatment, hospitalization, and emergency medical evacuation. |
Pre-existing Conditions
|
Some policies offer coverage for pre-existing conditions after a waiting period. |
Limited coverage or exclusions for pre-existing medical conditions. |
Trip Cancellation |
Typically not a part of health insurance. |
Covers trip cancellations due to unforeseen events. |
Baggage Loss/Delay |
Not usually covered by health insurance. |
Covers loss, delay, or damage to baggage. |
Flight Delay/Cancellation |
Not typically covered under health insurance. |
Covers expenses due to flight delays or cancellations. |
Emergency Evacuation |
Not commonly included in health insurance. |
Covers costs of emergency medical evacuation. |
Coverage Duration |
Generally long-term policies with annual renewal options. |
Short-term policies based on trip duration, usually for the duration of the trip. |
Premium Factors |
Age, pre-existing conditions, sum insured, and coverage type influence the premium. |
Trip duration, destination, age of traveler, coverage options affect the premium. |
Geographic Coverage |
Generally limited to the country of residence. |
Provides coverage worldwide during travel. |
Policy Renewal |
Annual renewal with potential changes in terms and premium. |
Policies usually do not automatically renew and need to be repurchased for each trip. |
Claim Process |
Claim process involves submitting medical bills and necessary documents. |
Claims can involve submitting various documents related to the travel event or emergency. |
Scope of Coverage |
Primarily covers healthcare costs, limited coverage for travel emergencies. |
Broad coverage for various travel-related risks beyond medical expenses. |
How to Settle Travel Insurance Policy
- To settle a Travel Insurance Policy claim, follow these general steps:
Notify the Insurance Company
In case of an emergency or covered event during your travel, inform your insurance provider as soon as possible. Many insurance companies have a 24/7 helpline for assistance.
Gather Documentation
Collect all necessary documents related to the incident, such as medical reports, bills, receipts, police reports, and any other relevant paperwork.
Fill the Claim Form
Obtain and fill out the appropriate claim form provided by your insurance company. Make sure to provide accurate and complete information.
Submit Required Documents
Along with the claim form, submit all the supporting documents as per the insurance company’s requirements. This may include medical records, bills, proof of travel, etc.
Medical Authorization
If applicable, sign any medical authorization forms that allow the insurance company to access your medical records related to the claim.
Wait for Assessment
After submitting the claim, the insurance company will review your documents and assess the claim. They might contact you for additional information if needed.
Claim Decision
The insurance company will decide whether your claim is approved, denied, or requires further investigation. They will inform you of their decision.
Claim Settlement
If your claim is approved, the insurance company will communicate the settlement details, including the amount and method of payment. If a deductible or excess applies, it will be deducted from the settlement amount.
Payment
Once the settlement is agreed upon, the insurance company will process the payment. This could be through bank transfer, check, or other methods, depending on their policy.
Appeal Process
If your claim is denied and you believe it’s incorrect, check the insurance policy terms and appeal the decision with additional documentation or explanations.
It’s important to note that the exact process can vary depending on the insurance company and the type of claim. Always read and understand your policy’s terms and conditions before making a claim to ensure a smooth settlement process.
Exclusions of Travel Insurance Policy
Pre-Existing Conditions
Medical conditions you had before purchasing the policy might not be covered.
High-Risk Activities
Injuries sustained during risky activities such as extreme sports or adventure sports might not be covered.
Non-Medical Reasons for Cancellation
If you cancel your trip for reasons not specified in the policy, like changing your mind, it might not be covered.
Alcohol or Drug-Related Incidents
Injuries or accidents resulting from being under the influence of alcohol or drugs may not be covered.
Acts of Terrorism or War
Damages or injuries caused by acts of war, terrorism, civil unrest, or political instability may be excluded.
Natural Disasters
Some policies exclude coverage for damages resulting from natural disasters like earthquakes, hurricanes, or floods.
Loss of Unattended Belongings
If you leave your belongings unattended in a public place, losses might not be covered.
Travel to Restricted Areas
Traveling to regions with travel advisories or deemed dangerous may lead to exclusions.
Self-Inflicted Harm
Any harm or injury intentionally caused by you won’t typically be covered.
Excesses and Deductibles
Some claims might have a deductible or excess, which is an amount you have to pay before the insurance kicks in.
Unapproved Medical Treatments
If you seek medical treatment without consulting the insurance company, it may not be covered.
Loss of Valuables
If you lose valuable items like jewelry, electronics, or cash without reporting them immediately, they might not be covered.
Pregnancy and Childbirth
Medical expenses related to pregnancy and childbirth might be excluded in some policies.
Flight Delays for Known Reasons
Delays caused by known reasons like strikes, protests, or maintenance might not be covered.
Loss of Essential Documents
If your essential documents like passports or visas are lost, it might not be covered.
It’s crucial to carefully read your policy documents and understand the specific exclusions mentioned by your insurance provider. Each policy may have its own unique set of exclusions that you need to be aware of before purchasing.
Documents Required for Claim Settlement under Travel Insurance Policy
Claim Form
A duly filled and signed claim form provided by the insurance company.
Original Policy Document
A copy of the original travel insurance policy document.
Proof of Identity
Valid government-issued photo identification, such as passport or driver’s license.
Proof of Travel
Documents confirming your travel, such as air tickets, boarding passes, and hotel bookings.
Medical Reports
Medical reports and certificates from attending doctors, detailing the nature of illness or injury.
Bills and Receipts
Original bills and receipts for medical expenses incurred, including prescriptions, diagnostic tests, hospitalization, and treatments.
Police Report
In case of theft or loss, a copy of the police report filed at the local police station.
Proof of Loss or Damage
If the goods were being transported by a third-party transporter, a letter from the transporter confirming the loss or damage is required.
Flight Details
Details of the flight delay, cancellation, or missed connection, along with official confirmation from the airline.
Death Certificate
In case of a covered death, a copy of the death certificate along with related documentation.
Legal Documentation
If legal assistance is required, documents related to the incident causing legal action.
Travel Itinerary
Your detailed travel itinerary, including dates, destinations, and activities.
Bank Statements
Bank statements showing transactions related to the expenses claimed.
Claim Details
Detailed information about the claim, including the date, time, location, and circumstances of the incident.
Any Other Relevant Documents
Any other documents specific to the type of claim being made, such as a doctor’s referral for medical evacuation or repatriation.
It’s essential to thoroughly review your policy documents to understand the specific documentation requirements for your travel insurance claim. Different situations may necessitate different documents, so it’s recommended to keep all relevant records during your trip to expedite the claims process.
Contact Information for Claim Settlement: related to Travel Insurance Policy
If Policy Obtained through Agent/Broker
Claims are the reason we get a car insurance in the first place! Therefore, ensure the claim process of your desired car insurance is smooth and doesn’t take too long. When you’re in trouble, the last thing you want is, to spend all your time and energy in just filing a claim!
If Policy Obtained Directly from Insurance Company
Claim Settlements are basically getting your compensations done right. Claims being such an important part of a car insurance, check for your desired insurer’s claim settlement ratio so that you’re assured that no matter what, your claims will be settled!
Claim Contact Information for Policy from Beemawala.com
If you have taken the policy from Beemawala.com, please use the following contact details to register your claim.
- Phone: +91-9654259715
- Email: services@beemawala.com
Frequently Asked Questions: (FAQs) on Travel Insurance Policy
Travel insurance is a type of coverage that provides financial protection against various risks and uncertainties that travelers may face during their trips, both domestically and internationally.
Tata AIG offers travel insurance plans that cover a range of travel-related risks, including medical emergencies, trip cancellations, baggage loss, and more.
Travel insurance covers various aspects such as medical expenses, trip cancellations, baggage loss, flight delays, emergency medical evacuation, and personal liability.
Travel insurance can be purchased from insurance companies, travel agencies, and online platforms. You can choose a plan based on your travel destination and needs.
International travel insurance provides coverage when traveling abroad. It includes medical expenses, trip-related contingencies, and emergencies.
Travel insurance covers medical emergencies, trip cancellations, lost baggage, flight delays, emergency medical evacuation, and personal liability.
Online travel insurance can be purchased through insurance company websites or online aggregators. It offers convenient access to policy information and quick purchases.
The Indian Railway Catering and Tourism Corporation (IRCTC) offers travel insurance for train travelers. It provides coverage against accidents, injuries, and other travel-related incidents.
Reliance General Insurance offers travel insurance plans that cover a wide range of travel-related risks, including medical expenses and trip-related contingencies.
The best travel insurance depends on your travel needs, destination, and personal preferences. Compare plans from different insurers to find the one that suits you.
Travel insurance international covers travelers when they are outside their home country. It offers protection against various travel-related risks.
Travel insurance may not cover pre-existing medical conditions, extreme sports, intentional acts, alcohol or drug-related incidents, and certain high-risk activities.
Travel insurance for Thailand provides coverage for medical emergencies, trip cancellations, baggage loss, and other travel-related risks specific to trips to Thailand.
Travel insurance is important as it provides financial protection against unexpected travel-related emergencies, medical expenses, trip cancellations, and more.
Bajaj Allianz offers travel insurance plans that provide coverage for various travel-related risks, including medical expenses and trip cancellations.
Travel insurance is important as it offers financial security against unforeseen events like medical emergencies, trip disruptions, and loss of belongings.
Travel insurance for Schengen visa is a mandatory requirement for travelers visiting Schengen countries. It covers medical emergencies and other travel-related contingencies.
ICICI Lombard offers travel insurance plans that cover medical expenses, trip cancellations, and other travel-related risks.
Travel insurance can be purchased online through insurance company websites or online aggregators. You can compare plans and choose the one that suits your needs.
ICICI Bank offers travel insurance plans that cover various travel-related contingencies, including medical emergencies and trip cancellations.
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