What does Individual Travel Insurance Coverage Include?
1. Emergency medical expenses
If there’s a medical emergency, then the individual travel insurance will come to rescue and will cover for the medical expenses and care.
2. Emergency dental expenses
The dental treatment in some of the foreign countries can put you out of pocket. If you get in an accident and require emergency dental care then you can rely on your travel insurance.
3. Medical evacuation
If you need to go to a hospital in an emergency then your individual travel insurance will also take care of medical evacuation expenses.
4. Hospital daily cash allowance
There are a lot of petty expenses that can eat your trip money. If you get hospitalised the medical expenses will be covered but you will also get hospital daily cash allowance to take care of petty expenses.
5. Medical & Body Repatriation
If the insured dies on the trip then the expenses to bring the mortal remains to the home country is covered in the individual travel insurance.
6. Permanent Disablement
If an accident on your trip causes permanent disability then the individual travel insurance will pay out lump-sum compensation.
7. Accidental death
If an accident on the trip is fatal then the insured nominee or family will receive lump-sum compensation from the insurance company.
Baggage Related Coverage
1. Loss of Passport
If the insured loses our baggage or important travel document like passport then it can create panic and spoil the trip completely. With individual travel insurance, the cost to get a duplicate passport is compensated ensuring complete peace of mind to the insured.
2. Loss of checked-in baggage
It is not uncommon for the airlines to lose the checked-in baggage. Hundreds and thousands of baggage are lost everywhere. You can also fall the victim to this blunder. With individual travel insurance if the insured loses the check-in baggage then the insurance takes care of the replacement of items lost.
3. Delay of checked-in baggage
If there is a delay in getting the baggage to you then the insurance will reimburse you for the essential required till the time you get your baggage.
Journey Related Coverage
1. Personal liability
If an accident causes damage to the third party then the individual travel insurance will compensate for the same and keep you away from getting into any legal trouble.
Financial Emergency Assistance
Tourist are easy victims to a robbery or theft in a foreign land. If the insured gets robbed then the individual travel insurance will provide emergency cash.
2. Hijack Distress Allowance
Hijack can be extremely stressful and if the insured flight gets hijacked then the insurance company will provide appropriate compensation for the same.