Robinhood Insurance Broker Private Limited

Multi-Trip Travel Insurance Policy

Travelling is an important and regular event for every individual whether it is for leisure or work. But travelling has its own risk and probabilities for unforseen events or situational distress. In order to make your travel itinerary fool proof, it is mandatory to add a travel insurance. A good travel insurance will protect you against situations like delay in flights leading to financial loss, loss of baggage, loss of passport, accidental injury, medical emergency, etc. A multi trip plan is beneficial for those who frequently travel abroad for work or leisure purpose. It provides an extended coverage for the entire year. This type of a policy is designed for those travellers who would like to save themselves from the hassle of buying an insurance policy every time they plan to travel.

Benefits of multi-trip travel insurance policy are:

  • Unlimited number of trips along the year.
  • It helps the traveler to save some money while buying an insurance cover. In the event, you decide to travel twice or thrice you do not end up paying the premium several times.
  • Expenses incurred towards hospitalization expenses due to illness/ diseases/ injury are covered.

Features covered under a multi-trip travel insurance are:

Existing disease cover: expenses incurred for covering existing diseases in case of life-threatening scenarios.

Medical treatment (repatriation & emergency evacuation): coverage of inpatient & outpatient treatment including transportation to the medical facility.

Dental care expenses: medical expenses for pain relieving dental treatment received by the insured person

Loss of passport, travelers cheque, travelling tickets/ documents: reimbursement of expenses for obtaining duplicate or fresh passport or reasonable cost of replacing/ obtaining the stolen documents/ tickets

Personal accident: lump sum payout in the event of death or permanent total disability due to an accident

Delay of checked-in baggage: payment for purchasing essential personal items of medication, clothing, etc. Incase of checked-in baggage's delivery is delayed in a carrier.

Home fire & insurance contents: cover against any loss or damage of the contents at home of the insured in india, caused by fire and allied perils or through burglary and/or housebreaking while the insured is on a trip abroad.

Legal expenses: payment of legal cost and expenses incurred by the insured towards claims from third party in respect of death or disablement arising due to injury.

Personal liability: the policy will help cover against any legal liability (including defense costs) to pay damages for his negligence which results from a third party civil claim for third party death, bodily injury or property damage.

Total loss of checked-in baggage: payment of purchasing new items if the insured person's accompanying checked-in baggage for an overseas journey is permanently lost by a carrier.

Financial emergency cash: lump sum amount as stated in schedule of benefits Incase travel funds are lost due to the theft, pilferage, robbery or Dacoit

Compassionate visit: reimbursement of round trip & stay expenses of the immediate family members to visit the insured if they are hospitalized for more than 7 consecutive days.

Accidental death & permanent total disablement:Common carrier: lump sum payout in the event of accident in carrier

Hijack distress allowance: payment of distress allowance in case of a hijack of the common carrier for more than 12hrs whilst on the trip.

Trip cancellation & curtailment: payment of travel & accommodation expenses if an outward journey is unavoidably cancelled or curtailed due to listed conditions.

Loss of deposit or cancellation - hotel & airline: compensation for loss of irrevocable deposits or charges paid in advance in case of, necessary & unavoidable cancellation of hotel & airline bookings.

Daily allowance in the event of hospitalization: a fixed daily amount payable for every day the insured person is hospitalized.

Trip delay:Lump sum payout in case of scheduled departure or arrival time of Carrier is beyond a 24hrs period

Missed connection: payment for accommodation and alternative travel charges, if connecting flight is missed due to the delayed arrival of his inward flight.

Overbooked flight: provides for indemnifying the insured/ insured person for the expenses incurred, if denied boarding of an aircraft on a commercial scheduled flight due to Over-booking.

Emergency accommodation: payment of compensation for the additional cost of emergency accommodation if the insured/ insured person could not stay in the accommodation originally booked due to fire, flood, earthquake, storm, hurricane, explosion, outbreak of major infectious diseases.

Exclusions under a multi-trip travel insurance are:

The following perils are risks are generally excluded from a single trip travel insurance policy cover.

  • Claims arising due to pre-existing medical conditions
  • Venereal diseases
  • Injuries caused by sporting activities, adventure sports, etc.
  • Non-allopathic treatments like - naturopathy, homeopathic and ayurvedic treatments are not covered
  • Loss or damage due to radiation and nuclear weapons
  • Claims arising out of hiv, Aids and other sexually transmitted diseases
  • Mental disorder, Depression and anxiety
  • Loss of passport, travel documents and baggage which was unattended or unreported to the local police authorities is excluded

Note: for a detailed list of features & exclusions please refer the policy documents.

To know more about multi-trip travel insurance and buy the right product that suits your needs please click here:

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Tab 2

2 burgers per month

burger₹ 700
Your yearly cost on fast food = roughly ₹ 8,400
Cost of Health Insurance for whole family with ₹ 5 lakhs cover!

Tab 3

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