Travel insurance is not very costly in India. But still, you should not buy one just for the sake of formality. You should choose the travel insurance plan only after comparing the various available options and choosing the one that best suits your requirements.
Why should you compare travel insurance plans?
It is essential to buy travel insurance plans because even after meticulous planning some unplanned situations might pop-up and disrupt your travel plans. It is important that you select the best travel insurance policy as, sometimes you might end up buying a policy which has less premium costs but which doesn’t secure you sufficiently during the time of emergency. It is important to compare travel insurance policies online
so that you find one that suits your needs and fits your budget.
Comparing travel insurance plans is very easy. All you need to know are a few simple tricks. Here are some pointers to help you to compare the various travel insurance plans and choose the one that can fulfill all your requirements.
Make a checklist of your travel plans
Before selecting the travel insurance plan, you should be clear about your travel details. To ensure that you do not miss out on any important detail, you should prepare a checklist with the following information about your travel plans:
- Travel dates
- Details such as name, age & contact information of all the people travelling
- Stay details
- Cost of the trip
- Activities you plan on doing on the trip
Determine the factors to compare
It is not sufficient to compare just the premium cost while choosing a travel insurance plan, you should check a few other factors as well. Make sure to compare the following things for different travel insurance policies along with the premium amount:
- Features of the travel insurance policies
- Benefits of the travel insurance policies
- Coverages of the travel insurance policies
- Inclusions of the travel insurance policies
- Exclusions of the travel insurance policies
- Claim settlement process of the insurance companies
- Customer services such as 24 * 7 Call Assistance facility, cashless claims settlement & Bajaj Allianz’s Travel Ezee facility
Look for something extra
All the travel insurance companies provide add-on covers so that you can opt for an appropriate additional cover and customize your travel insurance policy as per your travel plans. Make sure that you check out these add-on covers and then proceed to buy the policy. We at Bajaj Allianz offers numerous add-on covers which can enhance the coverage of your base travel insurance plan. Following is the list of add-on covers provided by Bajaj Allianz:
- Schengen cover
- Compassionate visit by a family member
- Emergency hotel accommodation for family member
- Emergency hotel extension for insured and family member
- Escort for minor child (or children)
- Loss of personal belongings cover
Clear all your doubts
You should visit the FAQs section of all the insurance providers so that you can get more information about the policy in which you are planning to invest. Also going through the customer reviews can be of great help, as you can get first-hand information about how the company provides services to its customers (you might be one of the customers soon). Besides this, you can also approach the customer care of the insurance company and get clarity on all your queries. You should buy a travel insurance plan only after all your doubts are cleared.
We are sure that if you follow this articulated approach to choose a travel insurance plan, you will select the best one and secure your trip efficiently.
You can check out the various travel insurance plans offered by Bajaj Allianz
and purchase the one that provides you extensive coverage with affordable premium costs.