{"id":6869,"date":"2018-05-20T06:37:56","date_gmt":"2018-05-20T06:37:56","guid":{"rendered":"https:\/\/securenow.in\/blog\/?p=6869"},"modified":"2023-03-20T07:56:24","modified_gmt":"2023-03-20T07:56:24","slug":"packing-for-trip-dont-forget-insurance","status":"publish","type":"post","link":"https:\/\/securenow.in\/insuropedia\/packing-for-trip-dont-forget-insurance\/","title":{"rendered":"Packing for trip? Don\u2019t forget insurance"},"content":{"rendered":"
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Published in Mint on 19th May 2018.
\nIn between all the shopping for your next holiday abroad, don\u2019t forget to take adequate travel insurance<\/a> along with you. You get a travel insurance cover<\/a> for both domestic as well as international trip. It is important to get an insurance cover for international trip as a medical emergency can cost you a lot of money. Medical care overseas is expensive, especially if you are going to developed countries. Travel insurance<\/a> comes handy in case you have a medical emergency or for flight delays. If you are wondering how to pick the right product, here is what you should know:
\nCheck the cover<\/b>
\nLook for a travel insurance<\/a> that has a medical cover, personal accident cover, cover for flight delays, loss of passport, baggage and cancellation. \u201cAll the countries that are being visited, even in transit, should be covered. There should be some cover for emergencies owing to preexisting diseases,\u201d said Kapil Mehta, co-founder, SecureNow.in. Some travel insurance<\/a> cover pre-existing diseases in case of a relapse.
\nHowever, if you already know about the disease and try to claim it, you will not be covered. Insurers also provide cover for terror attacks, hijack, medical evacuation or financial emergency in case of theft. Most travel insurance<\/a> cover it.
\nSingle and multiple trips cover<\/b>
\nYou can take cover for single or multiple trips\u2014single trip cover is valid for one trip only whereas multiple trip cover is valid for one year. \u201cMultiple trip cover works for individuals who travel overseas at least six times in a year. It is expensive than single trip cover. However, if you are travelling overseas 1-2 times a year, a single trip cover is adequate,\u201d said Nikhil Apte, chief product officer, product factory (health insurance), Royal Sundaram General Insurance Co. Ltd.
\nCover based on country<\/b>
\nInsurance companies provide cover based on the destination that you visit. Check whether the country that you are going to recognizes the policy. \u201cIf you are going to countries where you need Schengen Visa, you should check whether the Visa authorities recognise the policy,\u201d said Mehta. In some countries you can\u2019t enter without travel insurance<\/a>. Also the premium will be higher for countries where the medical cost is higher.
\nThe amount you need<\/b>
\nMake sure that you take adequate insurance cover. Remember that medical expenses are higher overseas so take a higher sum assured. You don\u2019t want to be in a situation where you have an insurance policy, but it doesn\u2019t have enough cover. Also make sure that you opt for cashless option because you may not have enough money to pay upfront. While you are looking for travel insurance<\/a>, shop around to get the best premium on the policy. \u201cThere should be a very well defined cashless claim process,\u201d said Mehta.<\/p>\n","protected":false},"excerpt":{"rendered":"

Published in Mint on 19th May 2018. In between all the shopping for your next holiday abroad, don\u2019t forget to take adequate travel insurance along with you. You get a travel insurance cover for both domestic as well as international trip. It is important to get an insurance cover for international trip as a medical […]<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"_lmt_disableupdate":"","_lmt_disable":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[410,319],"tags":[340],"class_list":["post-6869","post","type-post","status-publish","format-standard","hentry","category-media-coverage","category-media","tag-travel-insurance"],"acf":[],"modified_by":"Aishwary Mishra","_links":{"self":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts\/6869","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/comments?post=6869"}],"version-history":[{"count":3,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts\/6869\/revisions"}],"predecessor-version":[{"id":25566,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts\/6869\/revisions\/25566"}],"wp:attachment":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/media?parent=6869"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/categories?post=6869"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/tags?post=6869"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}