No matter where we choose to travel, peace of mind is probably the most important thing we look forward to. The main purpose of Traveller’s Insurance is just the same – peace of mind. However, not every Travel Insurance policy out there provides the adequate coverage required for carefree travel. If you want to buy the right Travel Insurance policy, here are 6 questions you must ask:
Question 1: Are adventure activities covered in your plan?
Certain adventure activities are deemed as ‘high-risk’ and may not be covered by some Travel Insurance plans. Hence, if you intend to indulge in high-risk adventure sports such as sky diving or bungee jumping, ensure that such activities are covered under your Travel Insurance policy.
Question 2: Does the policy cover your travel destination?
Not all destinations are covered by Travel Insurance policies. This is especially true in the case of Foreign or Overseas Travel Insurance. If you are travelling to an unsafe zone or the excluded areas of your insurance plan, you will not be able to avail any coverage.
Question 3: What are the exclusions of your policy?
Every Travel Insurance policy entails a few exclusions that will not be covered. For example, most of the Travel Insurance policies do not cover the losses incurred while you are under the influence of alcohol or drugs. So make sure to read the exclusions of a Travel Insurance policy before purchasing one.
Question 4: What is the maximum payable provided by your policy?
Before buying a Travel Insurance plan, make sure to check the maximum payables of the policy. When you are aware of the maximum payables under your Travel Insurance policy, you will be at ease while making any claims and availing emergency assistance during travel.
Question 5: Does your Travel Insurance policy cover pre-existing medical conditions?
Any medical condition that you were suffering from before you were insured is considered a pre-existing condition. If you don’t declare a pre-existing condition, then your Travel Insurance policy will not provide coverage for the same. If you have any pre-existing medical condition, make sure to inform your insurance provider beforehand.
Question 6: What is the process to file a claim?
When it comes to Travel Insurance, it’s essential to have a hassle-free claim process. A simple claim process will ensure that you can avail your claim in a stress-free manner. Additionally, make sure to check whether the insurance company offers 24×7 claim assistance.
Asking these questions beforehand will definitely help you buy the right Travel Insurance policy. So keep these points in mind to make an informed Travel Insurance purchase. However, if you decide to buy Bajaj Travel Insurance, you do not need to worry about the coverage or the cost. We offer wide coverage for a reasonable premium. So don’t think twice, buy Bajaj Travel Insurance online at Finserv Markets with just a click of a button!
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