TRAVEL INSURANCE POLICY
Individual Travel InsuranceThis policy is specifically designed to suit the requirements of an individual who has undertaken an overseas travel for the purpose of holiday, leisure &/or business purpose. There are three plans on offer for the same and the customer can chose based on his requirements.
What is Travel Insurance?
Travel insurance is one of the general insurance policies that cover your overall trip wherever you go globally. Specifically, this policy is designed to suit the requirements of an individual who has undertaken overseas travel insurance policy for the purpose of leisure holiday or business. The increasing usage of the internet is making people inclined towards buying a travel insurance policy online sitting in any corner of the world. Travel insurance saves you from the further damage of any mishappenings that may have occurred during the trip. It can be the loss of baggage, trip cancellation, medical expenses, loss of passport and more.
Why Travel insurance is important?
Travel insurance has its importance in people's life those who are the frequent travelers and also those who are not. Most of the people have this feeling that it's not worth buying a travel insurance but the reality is, it acts as a protective cover for the insured and member's related to them. This should be kept in mind that anything can happen anytime so you have to be prepared for the worst. And, travel insurance will be your support during the whole trip session.
Following are the incidents that may be happening during your trip - Delay of Checked in Baggage (Loss of Baggage) Personal Accident Loss of Passport Trip Cancellation & Interruption Medical Expenses
Being a responsible traveler, buying overseas travel insurance is quite a smart idea. It comes with own experience when you travel to the various destinations on a frequent basis, you understand the importance of travel insurance. While having a travel insurance you can be on a safe side and need not to spend a single penny from your pocket. What can be the best than this? Here on Shriram General Insurance, you are being offered with three overseas travel insurance plans.
Look at the factors that need to be considered while selecting Travel Insurance:
Travel Insurance Price: There are obvious reasons for choosing a travel insurance and that is the protection that you need while going on a trip. It is quite not an easy task to find the best travel insurance to get the complete coverage. Always consider the right kind of information while buying overseas travel insurance online. Budget affects the most while when you buy travel insurance online. Before buying overseas travel insurance always cross-check the price and deals so that you can get the best one.
While selecting a travel insurance what you should consider is to how flexible the insurer's policy is? Well, flexibility is important with respect to opting for any insurance services. Customers don't like if any restrictions come from insurers side. Choose the policy which is flexible in nature like in future if you need implementation or require any changes further you can go for it. So, if you are planning to get buy travel insurance go for the detailed information and buy according to your suitability.
Cross-Check The Customer's Review:
Always have an eye on customer's review that shows how they have experienced while using their services. In this internet age, people have complete liberty to express their thoughts regarding experience whether they are satisfied or dissatisfied with the services. And, according to the customer's review, you can calculate what kind of service a company is providing. Well, you can't completely trust the reviews only instead, visit the website and go through every detail. If needed talk to the people who are already using the services of such insurance companies.
Be Particular About Your Requirement:
You should know your requirement regarding overseas travel insurance policy so that you can easily buy one of your choices. Different travel insurance packages contain different coverage policies. According to the travel plan and requirement select the best overseas travel insurance deal and cover your trip. Therefore, know what exactly you need, this will help in deducting expenses also. We are providing different schemes for travel insurance i.e. Shri travel, Shri Travel Plus, and Shri Travel Elite. Opt according to the need and enjoy your trip.
Overseas travel insurance is to cover your trip wherever you go, but location also needs to be taken into consideration. As there is some travel insurance policy that covers a particular destination given in the policy. There are certain criteria being set with the overseas travel insurance policy regarding selection of destination. Keeping yourself updated regarding the travel policies terms and conditions always required.
The Medical/Health Conditions:
While buying overseas travel insurance you have to be clear and honest to the insurer about your health or if any medication is going on. There are some exclusions given in the policy like if you are traveling abroad for obtaining medical treatment or involve in any criminal act. Be specific about your health issues and be open otherwise you only have to face the repercussions. Research on the best online travel insurance provider and get the best.
Remember The Coverage and Limits:
While buying a travel insurance online confirm every single detail about the coverage and the limits if any. There are coverages you can avail are Medical Expenses Cover, Cashless hospitalization worldwide, Repatriation of Remains, Dental Treatment, Total Loss of Checked in Baggage, Delay of Checked in Baggage, Loss of Passport, Personal Liability, Personal Accident and more depending on the type of travel insurance plan. Also, check for the limitations you might have.
Check Policy for Belongings: You also have to confirm whether your travel insurance policy includes coverage for belongings or not. As there are types of travel insurance schemes those who cover belongings or those who not. In that case, you should pre-examine the complete policy terms and conditions. Before buying travel insurance from Shriram General Insurance cross-check the complete details and process to buy.
Shriram Travel Health Insurance:
Travel Insurance has a criterion of health coverage as we provide the Medical Expenses Cover, Daily allowance in case of hospitalization, Dental Treatment along with Cashless hospitalization worldwide. In travel insurance, health coverage plan is a necessity for the members who all are going for such a long tour. Life is so uncertain where you don't know what can happen the very next step. Therefore, you need health assurance with a travel insurance plan for your safety. Shriram offers travel insurance with health benefits offers on affordable rates.
What Shriram general insurance overseas travel insurance policy covers?
Medical Expenses Cover: Shriram General Insurance provides medical expenses as per the requirement during the trip. If you met with an accident during the trip it badly affects your pocket, but we can help you in coming out of it by providing Medical Expenses Cover.
Cashless hospitalization worldwide: Today almost everyone has gone cashless, no one carries cash as they used to. In this case, Shriram General Insurance supports well by providing Cashless hospitalization worldwide cover along with the travel insurance.
Dental Treatment: If you buy overseas travel insurance from Shriram General Insurance you will get coverage of dental treatment as well. In case you face any dental issue it can be covered by us only during the trip. The dental treatment is based on various criteria as mentioned in the treaty.
Total Loss of Checked in Baggage: During the trip, many travelers face the problem of loss of baggage on the airport while transportation in cargo or due to other reasons also. In this case, Shriram General Insurance helps in covering the compensation of the total loss of the baggage.
Delay of Checked in Baggage: In many cases, passengers face the issue of Delay of Checked in Baggage where they receive their luggage quite late from the airport management side. Shriram covers the same loss very conveniently where you can easily claim.
Loss of Passport: It is advisable to keep all your documents upto date and safe while traveling abroad. Still, people make mistakes by losing their passports which something very much mandatory to keep in. Well, in this case, Shriram is there to compensate by covering for the Loss of Passport.
Personal Accident: While traveling anywhere in the world you have to be very much particular about your surroundings and be very careful. Although, no one can guess what can happen in very next second as any incident may take place. In this case, the personal accident cover offered by Shriram General Insurance helps you incurring all the expenses.
Financial Emergency Assistance: Financial requirement emergency can hit you up anytime unknowingly. You may need money in between the trip and you don't have a single penny to spend. In such a case, you can ask Shriram General Insurance for financial support if you have taken the coverage Financial Emergency Assistance.
Trip Cancellation & Interruption: Trip cancellation is one of the issues being faced by several passengers all around. The biggest headache is the cancellation charges which is almost the half price of the ticket amount. But, if you have taken overseas travel insurance you don't have to worry about the amount. Shriram General Insurance is here to help by compensating the extra charged amount.
Daily allowance in case of hospitalization: Today, the hospital expenses go beyond your financial limitations, still you have to manage in every way. Hospital charges fees on per day basis for staying in the wards. If you are trapped in such situation you can be given assistance by Shriram General Insurance if you have taken the Daily allowance in case of hospitalization as overseas travel insurance cover.
How Shriram Travel Insurance services work ?
- Shriram General Insurance is one of the eminent insurance companies all over India. It provides coverage on a large number in favor of customers.
- You don't have to think about the budget if you are buying overseas travel insurance from Shriram General Insurance. It provides insurance on such affordable premium rates. Also, in case of buying car insurance you will get comprehensive coverage..
- In the case of customer services, Shriram General Insurance acknowledges each and every one.
- One of the best features Shriram General Insurance is having, the quick response to the customers. Also, the travel insurance claim settlement is done on a quick basis.
- Customers face zero difficulties while buying overseas travel insurance online as it is quite hassle-free and easy process online. Also, they get instant assistance form the support team. And,two wheeler insurance is also available as per your need and requirement that you can easily access online.
Shriram Travel Insurance Plan
Traveling around the world makes you feel happier always. Many people buy overseas travel insurance for abroad trip in respective season. Shriram Travel Insurance offers travel insurance with different packages according to the location and the journey length type. People have become smart and knowledgeable about the travel related risks and that's why it is important to take necessary precautions. Therefore, they choose the travel insurance policy package accordingly.
Shriram Travel Insurance offers following travel plans you can opt for
Plans Available: a) Single Trip b) Family Floater c) Annual Multi-Trip
Plan Benefits Shri Travel (USD 50000) Shri Travel Plus (USD 100000) Shri Travel Elite (USD 200000)
All three plans provide coverage on according to the requirement of the travelers. Also, the amount of coverage is also given as per the need.
Points to be considered while buying travel insurance online -
Buying overseas travel insurance online via Shriram General Insurance's website you need to be focused on various parameters. This is important to get the correct coverage mentioned in the policy online.
Trip duration: The duration of the trip is one of the factors that need to be taken into consideration while buying overseas travel insurance. The length of the policy affects your pocket. If you have planned a short trip of 4-7 days you will be getting coverage according to that. And, if the trip is about 30 days then it will be more costly with add-on services. The premium calculation depends on the number of days you are going to spend during the trip. All policies will be issued for a maximum of 180 days. However, the insured can opt for extension.
Extension in Travel Days:
The extension under the plan shall be provided, subject to the following: 1) The original policy period has not expired 2) There is no claim on the original policy 3) Declaration of good health 4) The extension can generally be effected only once on the policy 5) Extension in days not to exceed 180 days 6) The total extension including original period should not exceed 360 days. 7) Extension premium has to be paid before the actual extension is effected.
Type of trip: There are various types of trip or vacation people plan for i.e for business and holiday purpose. Also, it affects according to the visits like if you are visiting a foreign destination for once or a frequent flyer. And, the premium calculation also depends on the type of policy you opt.
Location: The destination of the trip is also considered as one of the factors of buying travel insurance online. The premium of your travel insurance policy goes up if your traveling location is adventurous and risky. Therefore, while opting for an online travel insurance policy you should review every detail properly to avoid any mistake.
Medical Description: If you are suffering from any of the health issues or it might happen that the place you are visiting may affect your health. Therefore it is important to fill every information correctly while completing the travel insurance form online. On the basis of which you will be getting coverage and required services.
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Your motor insurance policy cover remains in force for 12 months from the date of commencement (or as otherwise shown on your policy schedule).