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hospitalization
Coverage for hospitalization abroad of up to US$ 1,00,000.
preexisting diseases
Coverage of pre-existing conditions
trip cancellation
Coverage for financial losses incurred due to the cancellation of the trip before its start
Dental treatment
Coverage of medical expenses for dental treatment
emergency outpatient treatment
Outpatient treatment coverage due to accident or illness
Lost and delayed luggage
Coverage for loss/delay of accompanying checked baggage.
What is travel insurance?
Travel insurance is a type of insurance tailored for people traveling in and out of the country. It addresses the various risks a person may face while traveling, including hospitalization, medical expenses, loss of luggage or documents, flight cancellation or disruption, and various other costs.
Travel insurance covers you from the date of departure until your return to your place of origin. For frequent travelers, a travel plan that remains in effect for a defined period is more suitable as it covers multiple trips during the policy period.
How to buy a travel insurance plan?
You can buy a travel insurance policy online or by visiting the insurance company's office. While applying online, you need to fill in the basic details like travel dates, traveler details, required coverage etc. You then receive the quote, based on which you can select the travel insurance policy that meets your needs.
There are different types of travel plans customized for different travel needs. This includes corporate, individual, family, senior or student travel plans. You can hire the travel plan that suits you best.
You can also buy travel insurance plans from insurance brokers and agents. However, make sure that they are licensed by the Insurance Regulatory and Development Authority of India. It is important to note that you may be eligible for discounts if you purchase a travel insurance plan online directly from the insurer.
When to buy travel insurance?
If you plan to embark on multiple trips, you should purchase a travel plan in advance to cover all upcoming trips. Even in the case of a single trip, it is advisable to purchase a travel itinerary in advance. This can usually be on the ticket booking date or a few days later.
You can also buy travel plans at the last minute. But you might miss out on crucial coverage. For example, travel insurance offers cancellation coverage. But the same will be lost if the cancellation occurs before the policy start date. That is, buy your travel insurance well in advance to enjoy all the benefits.
Why take out travel insurance?
Some of the common reasons why travel insurance is important are:
- People are more prone to medical problems in a foreign country either in India or abroad due to changes in eating habits and environmental reasons. Travel insurance helps you deal with these circumstances with ease.
- It protects against lost luggage at airports and theft or travel scams in many tourist destinations.
- Travel insurance protects you in the event of flight delays or cancellations.
- It protects you in case of natural calamities, man-made disasters, flight hijacking, etc.
- Traveling students can also opt for study interruption coverage in their travel plans.
- Travel insurance can cover deaths and repatriation of remains.
- Travel insurance is mandatory in over 30 countries. It is a prerequisite for visa processing when traveling to these countries.
Who should take out a travel insurance plan?
While it is mandatory to have travel insurance before visiting certain countries, people traveling to any country are generally required to purchase a travel insurance plan.
In addition, it is recommended that the following travelers purchase a travel insurance plan:
- Solo travelers and families
- Elderly - due to their greater medical susceptibility
- Corporate travelers can cover their travel risks while traveling on behalf of their organization
- Students can purchase student-specific travel plans with longer validity
- Individuals traveling in groups may insist on purchasing travel insurance from the tour organizer.
- Domestic travelers can purchase travel plans designed to cover the risks of traveling within the country
Advantages/Benefits of the Niva Bupa Travel Insurance Policy
Some of the reasons why you should choose Niva Bupa travel insurance policy are:
Roof:
Extensive coverage including hospitalization, OPD treatment, trip cancellation, lost or delayed luggage, medical evacuation, lost passport, missed connecting flight, etc.
Pre-existing illnesses:
Up to 100% coverage of pre-existing conditions under emergency medical coverage for hospital patients for students traveling abroad to study on a student visa.
Medical exam:
Medical checks prior to the policy are not required.
Claims:
You can enjoy a hassle free claim process.
COVID 19:
Coverage for hospitalization due to COVID-19 provided up to the insured amount.
Insured sum:
Full coverage up to USD 250,000
Hospitalization
PATIENT CARE
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Get cashless coverage abroad for hospitalization expenses for all insured members
HOSPITAL MONEY
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Daily benefit in case of hospitalization of the insured person.
COVERAGE FOR MATERNITY AND NEWBORN
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Cover is available for maternity and newborn expenses in accordance with the terms and conditions of the policy.
Featured Resources
TRIP CANCELLATION
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Coverage for financial losses incurred due to cancellation of the trip before its start up to $1,000
DENTAL TREATMENT
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Medical expense coverage for dental treatment up to $500
COVERAGE FOR PRE-EXISTING CONDITIONS
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Treatment of pre-existing conditions is covered by the policy terms and conditions.
LOSS OF PASSPORT
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Covers the expenses of obtaining a new or duplicate passport
LOSS OR DELAY OF CHECKED BAGGAGE
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Coverage for loss/delay of accompanying checked baggage
CONNECTION LOST
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Coverage for the cost of travel if you miss a previously booked connection because scheduled common carrier does not run on your published schedule
MEDICAL EVACUATION
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The policy will reimburse the cost of transporting the Insured Person from a Hospital to the nearest facility that is prepared to admit the Insured Person and provide the necessary medical services.
additional features
COMPLETE COVERAGE FOR PRE-EXISTING CONDITIONS
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Pre-existing illnesses will be covered up to the insured amount for “emergency hospital medical treatment” after opting for this coverage.
This coverage is only available to individuals traveling abroad on a full-time college or university student visa with a policy term of 12 months or more.
exclusions
EXCLUSIONS
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• Treatment for any injury or illness resulting directly or indirectly from nuclear, radiological releases, war or war-like situations (whether or not war is declared), rebellion (act of armed resistance to an established government or leader), acts of terrorism
• Your participation in naval, military or air force operations, whether in the form of military exercises or war games or actual confrontation with the enemy, whether domestic or foreign.
• Treatment expenses that arise directly or are a consequence of any Insured Person committing or attempting to commit a violation of the law with intent (Code-Excl10)
• Obesity or any weight management program.
• Maternity Expenses (Code-Ecxl18)
• Expenses for medical treatment attributable to childbirth (including complicated deliveries and cesarean sections performed during hospitalization), except for ectopic pregnancy;
• Expenses for miscarriage (unless due to Accident) and lawful medical termination of pregnancy during the Policy Period.
• Treatments not tested (Code-Excl16) - Expenses related to any treatment, services and supplies not tested or related to any treatment. Unproven treatments are treatments, procedures, or supplies that lack significant medical documentation to support their effectiveness.
• The supply or fitting of hearing aids, glasses or contact lenses, including optometric therapy, any treatment and expenses associated with alopecia, baldness, wigs or wigs, medical supplies including elastic stockings, diabetic test strips and similar products.
• Over-the-counter medications or treatments
• If the Insured Person is traveling against the advice of a Physician or is receiving or on a waiting list for specific medical treatment.
• Any claim for your death, injury, medical condition or disability resulting from;
• your suicide or attempted suicide or intentionally self-inflicted injury or illness; any
• your alcohol or drug use or substance abuse
•depressão
• Any claim for an incident resulting from your involvement in any illegal activity or violation of operational/safety guidelines published by the contracted service provider.
• Any claim arising from a country that has imposed travel restrictions by the Government of India or any country that has imposed such restrictions on citizens of India.
• Any claim where travel is specifically planned for the purpose of obtaining treatment for an existing medical condition (medical tourism).
• Any claim for an incident occurring during the trip resulting from the practice of any adventure sport, unless expressly covered
• Expenses for cosmetic or plastic surgery or any treatment to change appearance, except for reconstruction following an Accident, Burn(s) or Cancer or as part of medical treatment necessary to eliminate a direct and immediate risk to the insured's health. For it to be considered a medical necessity, it must be certified by the Attending Physician (Code-ECXl08);
• Research and Evaluation- Code- Excl04
• Expenses related to any admission primarily for diagnostic and evaluation purposes only
• Any diagnostic expenses unrelated or incidental to the current diagnosis and treatment.
Get the most value from TravelAssure
Extending the Policy Period and Coverage
Extension of policy period for single trip policy
To extend the policy, policyholders can apply for an extension by contacting the Niva Bupa customer service center or online, paying the premium and submitting all required documents. This must be done before the policy expires. Once our team has verified the information, they will grant permission for an extension. The customer can also extend the geographical coverage of his policy by paying an additional premium.
Contact details for expanding coverage
Niva Bupa Health Insurance contact number: 1860-500-8888; Fax Number: 011-30902010 Email ID: customercare@nivabupa.com
Uncomplicated Claims
settlement of claims
For claims settlement you can contact us or our global TPA. You can also file a claim once you return to India.
Contact details for filing claims
Assistance in Europe: 24/7 emergency contact +91 22 6787 2092 Email address: nivabupa@europ-assistance.inNiva Bupa Health Insurance Contact Number: 1860-500-8888; Fax Number: 011-30902010 Email ID: customercare@nivabupa.com
Types of travel insurance plans in India
There are various types of travel insurance plans offered by insurers in India:
Basic travel policy:
These plans cover the basic travel risks offered by most insurance companies. The premium amount is comparatively low due to limited coverage.
Comprehensive travel policy:
Comprehensive plans offer many optional coverages, such as medical expenses or repatriation of remains, that many insurers may not provide. etc. In particular, Niva Bupa Travel Insurance offers more than 40 travel related coverages including those mentioned above.
Single trip:
Occasional travelers can purchase this policy before or after booking their tickets. This policy remains applicable during travel.
Multiviagem:
If the policy purchaser has multiple trips planned for the year, he or she may opt for a multi-trip policy that provides coverage for a specified period rather than the duration of the trip. Frequent travelers opt for this plan to avoid purchasing plans repeatedly.
Student:
Students can purchase a travel plan that provides coverage for the duration of their study. Coverages such as sponsor protection and study interruption can be chosen to make the plan more student-friendly.
Policy buyers can opt for an individual, family, group or any other plan based on their needs.
Eligibility criteria for travel insurance
The various eligibility criteria for Niva BupaHealth insuranceThe TravelAssure plan includes:
- Adults must be between 18 and 70 years old.
- Dependent children can be up to 25 years old.
- Travelers must possess and provide mandatory documents such as copies of passport, visa, proof of income and other relevant documents.
Considerations before purchasing a travel insurance policy
Some of the factors you should consider before purchasing a travel insurance policy are:
Duration:
If you are planning to travel again, it is advisable to opt for long-term multi-trip travel insurance. If your one-way trip is longer, the reward will be higher, so plan your trip accordingly.
Nature of the trip:
Choose the plan according to the nature of your trip. Someone planning to skydive would have different optional coverages compared to someone traveling for business meetings.
Insured sum:
Calculate your travel risk and finalize your sum insured accordingly. The higher the amount insured, the higher the premium.
Optional coverages:
Review the list of available skins and select judiciously. Selecting unnecessary coverage will only increase the premium.
Exclusions:
There may be specific circumstances or conditions under which travel insurance is not applicable. Always familiarize yourself with the exclusions before purchasing the travel plan.
COVID-19 coverage
Due to the global scale of the COVID-19 pandemic, most major insurers offer specific COVID-19 coverage in their travel plans. Niva Bupa TravelAssure provides hospitalization coverage for COVID-19 up to the insured amount. Consequently, if you become infected or test positive for COVID-19 during your stay abroad, the travel insurance plan will cover the cost of your treatment and hospitalization. In almost all countries, a COVID-19 infection leads to strict isolation rules and is treated according to PCOS when detected. Therefore, adequate COVID-19 coverage can be helpful in times of need.
Common questions
Does the TravelAssure plan offer Covid 19 coverage?
Are there any tax benefits that can be enjoyed when purchasing travel insurance?
Is a medical check-up required before taking out this policy?
Is it mandatory to buy travel insurance for the visa?
How to extend the International Travel Insurance Policy?
Can you buy travel insurance after booking your trip?
Can I buy insurance if I have an overseas work permit?
Can I file a claim after returning to India?
What are the age criteria for which you issue an online travel insurance policy in India?
How to file an international travel insurance claim
How to apply for travel insurance?
When, where and how to choose a travel insurance plan?
How to calculate the travel insurance premium?
How to compare travel insurance premium?
Countries where travel insurance is required/mandatory
Does the TravelAssure plan offer Covid 19 coverage?- +
Yes, the TravelAssure plan provides coverage against hospitalization due to Covid 19. To ensure that all your international visits are stress free amidst the pandemic, it is highly recommended to have adequate coverage in an international travel insurance plan.
Are there any tax benefits that can be enjoyed when purchasing travel insurance?- +
No. Tax benefits are not available under Section 80D of the Income Tax Act 1961 through the purchase of a travel insurance policy.
Is a medical check-up required before taking out this policy?- +
No. It is not necessary to have a medical check-up before purchasing the policy. However, customers must disclose any medical conditions they have at the time of purchasing the policy.
Is it mandatory to buy travel insurance for the visa?- +
No, it's not mandatory. It depends on your destination. Few countries like Schengen countries, Australia etc. have made travel insurance mandatory for visitors. However, it is better to have travel insurance whenever you travel abroad.
How to extend the International Travel Insurance Policy?- +
To extend the policy, policyholders can apply for an extension by contacting the Niva Bupa customer service center or online, paying the premium and submitting all required documents. This must be done before the policy expires. Once our team has verified the information, they will grant permission for an extension.
Can you buy travel insurance after booking your trip?- +
Yes, you can purchase TravelAssure insurance after you book your trip. However, you cannot take it after the journey has started.
Can I buy insurance if I have an overseas work permit?- +
Yes, this policy can be purchased if you have a work permit.
Can I file a claim after returning to India?- +
Yes, you can file the claim in the policy after you return to India.
What are the age criteria for which you issue an online travel insurance policy in India?- +
Anyone 70 years of age or younger can purchase this policy.
How to file an international travel insurance claim- +
For claims settlement you can contact us or our global TPA. You can also file a claim once you return to India.
Contact information to file the complaint:
european assistance
24*7 emergency contact to +91 22 6787 2092
Email address :nivabupa@europ-assistance.in
Niva Bupa medical insurance
Contact number: 1860-500-8888; Fax number: 011-30902010
Email ID:atenciónalcliente@nivabupa.com
How to apply for travel insurance?- +
To file a travel insurance claim, you must first contact your insurer. In the case of travel abroad, you can also contact TPA global. You can choose between different options for filing the claim: online, by mail or in person. You will need to submit duly completed application form and relevant documents which may differ based on different incidents, viz. loss of luggage, hospitalization, trip cancellation, death, etc. You must also keep copies of these documents and the tickets, stamped boarding passes, receipts and invoices from hotels and places of visit, etc., until the claim is settled.
When, where and how to choose a travel insurance plan?- +
A travel insurance plan can be purchased at any time before starting your trip. You can purchase travel insurance from Niva Bupa even after you book your trip, whether for domestic or international travel, single destination or multi-city travel.
Insurance companies offer quotes based on the travel details you provide. When getting a quote, you should consider personal or family insurance as needed, the itinerary and duration of travel, among other factors.
A travel insurance plan should be chosen based on factors such as
- The cost of hospitalization in the destination city/country
- The social condition of the destination (for the probability of loss and theft)
- Purpose of the trip and risk involved
- Age of person(s) traveling
- Medical history of the traveler(s)
- Policy inclusions and exclusions, etc.
How to calculate the travel insurance premium?- +
In calculating the travel insurance premium, several factors are taken into account: the amount of sum insured, the type of travel insurance plan selected, the scope of coverage requested (e.g. participation in adventure sports, educational trips, leisure, etc.), length of stay, single or multiple trips, destinations to be visited, age of travellers, medical history, etc.
You can calculate your travel insurance premium using an online travel insurance premium calculator, filling in details such as destination, dates, number of travelers, dates of birth, etc.
How to compare travel insurance premium?- +
You can check the premiums of different insurers on their respective websites. You can then compare quotes against critical policy terms, especially inclusions and exclusions. You can also check and compare travel insurance premiums from different plans and insurers on insurance aggregation platforms. They collect similar insurance plans for easy comparison.
When comparing various travel insurance premiums, you should compare the differences in policy terms. In addition to a low premium, insurer reliability, claims settlement history and customer service are also important considerations.
Countries where travel insurance is required/mandatory- +
Travel insurance is mandatory for both domestic and international travel. Provides additional protection against health emergencies and travel hazards. Lost luggage, trip cancellation and interruption losses are also covered by travel insurance. However, in some countries it is also mandatory for visitors to have travel insurance. The visa process in these countries will include travel insurance as a basic requirement. Make sure you have a travel policy in place when traveling to
- United Arab Emirates, Cuba, Qatar and Turkey.
- Although Antarctica is not owned by any one country, Antarctica tour operators require you to have travel insurance to cover emergency evacuation.
- Travel insurance is also mandatory in the 26 countries where the Schengen visa is accepted. These countries are Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden and Switzerland.
The main reason for making travel insurance a basic requirement in these countries is to ensure that you can pay the costs of a medical or other emergency during your trip.