This-that-and-those about Domestic Travel Insurance

1. Any Indian citizen journeying within the country can buy a Domestic Travel Insurance from any insurance company.
2. International travelers with passports of any other country other than India can avail a Domestic Travel Insurance if they submit proofs of work permits or are touring here.
3. The age of the insured person can vary from six months to 70 years. A minor, between age six months and five years shall be indemnified only along with their parent(s) or guardian.

Features & Benefits

1. Most Domestic Travel Insurance products offered by Indian insurers comes with an info service provider that will send you the most current and travel and health facts regarding your destination.
2. You can request for round-the-clock medical assistance on your phone across the country.
3. Avail recommendations and expert opinions from of medical practitioners, healthcare centers and hospitals across India.
4. Reimbursement of medical costs sustained during hospitalization wherever you are.
5. Emergency situations like evacuation, deportation and repatriation of mortal will be taken care of.
6. 24*7 help available in case of lost luggage.
7. If you need specific itineraries for different cities, highlighting the main tourist gems, that will be provided as well.
8. Most insurance providers will not insist on any medical test to buy domestic travel insurance up to age 70.

What Does Domestic Travel Insurance Cover?

Most domestic travel insurance policies in India offers the following covers with slight variations.

1. Accidental demise and PTD (24 hours)
2. Coverage for accidental hospitalization
3. Medical evacuation advantage in case of emergency
4. Deportation of remains benefit
5. Individual liability benefit
6. Accidental hospital money Benefit
7. Hotel accommodation rent if the trip is postponed due to delay in train/ plane arrival.
8. Loss of Ticket - Rail/Flight following accident
9. For transportation of family
10. Additional staff assistance in case of emergency (Only for business tours)
11. Ticket expenses if you miss the train or flight due to an accident

General Exclusions of Domestic Travel Insurance Policy

1. If the insurance holder is travelling against the advice of a doctor, travelling for medical treatment or is diagnosed with a terminal illness.
2. Suicide, selfwreaked harm, STDs, mental or nervous disorder (such as stress, depression, anxiety etc.)
3. If you are a member of the Military or Armed Forces of any nation and has not specified that.
4. Accidents caused under the influence of alcohol or drugs.
5. Being a part of any attempted crime, civil commotion, misdemeanor, or riot.
6. Working or learning to handle any aircraft, or carrying out duties as a crew member on any aircraft or Scheduled Airline.
7. Participation in adventure and winter sports like skydiving, parachuting, skiing, mountaineering, hang gliding, bungee jumping, scuba diving, or races on any motorized automobile.
8. Activities like caving or pot-holing, hunting or horse-riding, surfing, underwater sports, canoeing and rafting.
9. Complications due to prolonged childbirth or pregnancy.
10. All non-medical expenses.