What Is a Domestic Travel Insurance Policy?
Going on a vacation helps you to get away from the hassles of your regular life and ensure peace of mind. However, emergencies are unforeseen and can arise any time during your holiday. This includes getting stranded in the middle of the road or losing a wallet. This can not only disturb your mental peace but also results in financial loss.
Therefore, buy a domestic travel insurance plan to enjoy your vacation stress-free. This insurance plan is available at Rs. 699/year, where you can get substantial financial coverage and other benefits. Read on to learn more!
Key Features and Benefits of Domestic Travel Insurance Policy
Take a look at the features and benefits of the domestic travel insurance plan:
Why Buy a Domestic Travel Insurance Policy?
Several travellers purchase travel insurance plans for their international trips but ignore the same when travelling in India.
However, since emergencies may arrive uninvited, buying a comprehensive domestic travel insurance policy is essential to meet all the financial uncertainties that may arise while travelling within India.
It covers all the financial crises arising from sudden flight cancellations and delays, medical emergencies, etc. So, invest in a domestic travel insurance plan to manage such emergency monetary situations effortlessly.
How to Apply for the Domestic Travel Insurance Policy?
Follow the simple steps to buy a domestic travel insurance policy:
After purchasing it, you will get the policy details in your registered email ID.
Eligibility Criteria for Domestic Travel Insurance
To qualify for a domestic travel insurance policy, meet the following eligibility parameters:
The age limit should be between 18 to 65 years
Any Indian citizen who is travelling within India
A foreigner travelling in India or working here with a permit
Documents Required to Buy Domestic Travel Insurance within India
Submit the following documents when buying a domestic insurance policy within India:
KYC documents such as an Aadhaar card, driver’s licence, PAN card, etc.
Travel safe membership letter
What Is Covered?
Myths about Domestic Travel Insurance Policy
It is essential to bust a few myths that you may have about a domestic travel insurance plan:
Flying time
You may think you do not need to buy a domestic travel insurance plan if your flight duration is small. However, emergencies do not occur based on your flight duration. So, having a domestic travel insurance policy in hand will give you the required financial support in such situations.
Costly insurance policy
You may assume that a domestic insurance policy is costly. However, its benefits outweigh the cost. Moreover, this policy is available at an affordable premium amount. So, get a travel insurance policy and safeguard your vacation from financial crises.
Difficult process
There is a common myth that buying and renewing a domestic travel insurance policy is cumbersome. However, insurers provide online facilities to buy, renew, and file a claim against a travel insurance policy. They also offer post-sales services to resolve any queries.
Domestic Travel Insurance Policy Details
Take a look at the pocket insurance policy details that are listed below:
Coverage limit
Up to Rs. 3 Lakhs at a premium rate of Rs. 699 per year.
Validity
28 days
Payment methods
Mobile wallets, UPI, credit and debit cards
What Is Not Covered?
This insurance policy does not cover the following:
Loss caused due to intoxication
If you lose your wallets or baggage while intoxicated, you cannot file a claim against this insurance plan.
Damage caused for violating traffic rules
If you violated traffic rules and caused damage to your car, then you cannot get financial protection under this plan.
How to Claim Domestic Travel Insurance?
You can file a claim against a domestic travel insurance plan in two ways:
Call your insurance provider on 1800-419-4000 within 24 hours of the occurrence of loss.
Alternatively, send an email to feedback@cppindia.com.
Documents Required to Claim Domestic Travel Insurance in India
Submit the following documents when filing a claim against your domestic travel insurance plan:
Your boarding pass or initial ticket
Original voucher and bills
Policy document
Conclusion
A domestic travel insurance plan helps you to meet unexpected financial requirements arising during your vacation. So, purchase the plan before you head out on your vacation and stay safe from financial crises.
FAQs on Domestic Travel Insurance
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✔️Can you cancel your membership in a domestic insurance plan?
Yes, you can cancel your membership plan within 30 days of submitting your application to get a refund of the premium amount.
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✔️Is a domestic travel insurance plan available for a particular type of trip?
A domestic travel insurance plan is available for overseas trips and trips made by students, seniors, and families. It is also available for treks, pilgrimages and road trips.
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✔️Do you need to pay interest on cash advance if you do not repay it within 28 days?
Yes, you will need to pay interest if you fail to repay the cash, advanced by your insurer, within 28 days.
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✔️Is it possible to renew the domestic travel insurance plan online?
No, you cannot renew the domestic travel insurance policy since it is a pocket insurance plan. You will have to repurchase the policy to continue receiving benefits.
