Travel insurance – FAQ

travel insurance
Q.
Why should I buy travel insurance?
A.
To get a visa for some countries, foreign travel insurance is mandatory. Where there is no compulsion, it is also appropriate to take travel insurance when traveling on a trip to business, leisure, education, research etc. Because compared to India, medical treatment costs are very high in many countries and they can not be borne.
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travel insurance

Q.
Can I extend my travel insurance term?
A.
You must check with your insurer about this because it depends on the policy. Read your policy document and understand what provisions have been made in it. There are also provisions for one or two extensions in most policies, especially foreign travel insurance policies.
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travel insurance

Q.
Is there a minimum period of travel insurance purchase?
A.
Usually there is a minimum fixed duration. Normally the cost of the policy is based on the “trip band”, ie the number of days involved in travel and the minimum trip band.
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travel insurance

Q.
Is medical examination required to buy travel insurance?
A.
You should be inquired about inspection by the insurer and / or agent or broker about the expected medical check-ups and the reports to be filled with the Proposed Proposal Form. Also check the validity period of such reports- Generally reports of periods of three to four weeks from departure are necessary.
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travel insurance

Q.
Will I have to get approved by the insurance company before getting medical treatment in case of emergencies?
A.
Please read the policy document fully and understand such expectations. In most cases pre-approval is necessary, although there may be some exceptions as per emergencies. When buying a policy, explain this aspect fairly.
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travel insurance

Q.
Who is the third party administrator?
A.
Third party administrator is the person who provides claim services on behalf of the insurer. In most cases, they provide cashless facility.Before traveling, you must confirm the details from your insurer. Ensure that all contact details related to the services provided by the third party administrator and other relevant information are given in your policy document.
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travel insurance

Q.
Can I get the premium back in my policy on the deduction of my travel period?
A.
If you do not have a tour and you have proof of this, then there is a provision to return the premium, generally in the policies, deducting administrative costs. When the travel is deducted, the premiums can not be received or received under certain conditions in the policies. You must read your document and understand that there is no such provision, and if so, how does it work.
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travel insurance

Q.
Is my visa status suitable for obtaining foreign travel insurance?
A.
In most cases this happens. Generally, such policies are for travelers who do business or holiday in other countries or travel for education or other purposes, and do not travel permanently for the purpose of settling abroad.