Travel Insurance

Travel back on your agenda for 2021? Tick these 6 checkboxes to have a safe trip!

abhishek — Mon, 02 Aug 2021 06:30:00 GMT

Travel back on your agenda for 2021? Tick these 6 checkboxes to have a safe trip!

02-Aug-2021 02-Aug-2021'

Since a few weeks now, the political infrastructure of the country has slowly but steadily started encouraging its citizens to travel. There have been social media posts, newspaper articles and other media subtly hinting that travel and tourism is back in the scheme of things.

While political interest in travel is more to do with getting the Travel & Tourism and Hospitality industries back into gear, what is your take on it? Have you been bitten by the travel bug after being cooped up at home for 18+ months due to the pandemic?

If yes, it is important that you have a look at our 6 tips to have a safe trip (we promise, only 1 out of 6 will be COVID-related)!

Keep an eye on the minimum COVID-related requirements of your travel destination

In these challenging times, a bit of research from home will not only save you from disappointment once you reach your destination but will also save you a lot of time and money. Make sure your travel destination’s minimum requirements are met for all travellers before you leave home. This includes vaccination status, whether an RT-PCR Negative test will be valid for 48 or 72 hours, updated status on the Aarogya Setu app, and others.

State government websites, airline websites as well as your travel agent should be able to help with the minimum requirements in the state you are visiting.

Travel Documents

Apart from the passport, visa, tickets, and travel insurance, here is the list of essential travel documents that you must carry for a hassle-free trip:

Maps and guidebooks of the places you’re traveling to
Hotel accommodation proof
Identity documents

Debit/Credit cards

Distribute Your Money

Theft and robbery are part and parcel of a trip, for which you must be prepared in advance. Globetrotters suggest that you MUST NOT keep your money in a single place. Instead, divide and distribute it among different pockets and bags/satchels, just like you would distribute your savings in different investment options to reduce risks.

Travel Light

When traveling, always carry only important things in your bag. Be a roller when it comes to packing your clothes, because it saves space. Seasoned travellers suggest your clothes shouldn’t add up to more than one-third of your total luggage weight.

Travel Insurance

Don’t put this on the back-burner. Consult an expert and get an adequate travel insurance policy before you embark on your journey. Travel insurance will provide you financial assistance for the following undesirable circumstances:

Hospitalization resulting from accidental injury or sickness
Loss/theft of baggage or passport
Flight delay
Trip cancellation
Disability compensation resulting from an accident
Plane hijack

This applies to domestic as well as international travel insurance.

Bye-bye social media!

Traveling becomes a beautiful experience only when you put your eyes on the road and experience new cultures and lifestyles. This will require you to get a little detached from your phone. Of course, you must keep your loved ones updated, but do your best to avoid social media when traveling.

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Travel on Your Mind? Check Out All Major To-dos!

Aditya Nair — Sat, 29 Feb 2020 14:52:15 GMT

Travel on Your Mind? Check Out All Major To-dos!

29-Feb-2020 29-Feb-2020'

Aditya Nair

Travel season is almost upon us, and we are sure you have either planned a get-away this year or will plan one in upcoming years.

While the idea of travel and exploration may sound very exciting, there’s also the fear of the unknown in a foreign place that might (and should) make you nervous.

Let’s check out some major to-dos and tricks that you can follow to become a smart traveler, whether you are traveling alone or with family. The tricks that we are sharing here are sure to prepare you for any kind of uncertainties that you might face during your vacation trip. Read on!

Travel Light

When traveling, always carry only important things in your bag. Be a roller when it comes to packing your clothes, because it saves space. Seasoned travelers suggest your clothes shouldn’t add up to more than one-third of your total luggage weight.

Distribute Your Money

Travel Insurance

Hospitalization resulting from accidental injury or sickness
Loss/theft of baggage or passport
Flight delay
Trip cancellation
Disability compensation resulting from an accident
Plane hijack

This applies to domestic as well as international travel insurance.

Travel Documents

Apart from the passport, visa, tickets, and travel insurance, here is the list of essential travel documents that you must carry for a hassle-free trip:

Maps and guidebooks of the places you’re traveling to
Foreign currency if traveling abroad
Hotel accommodation proof
Identity documents
Debit/Credit cards

Bye-bye social media!

For the best travel insurance online quotes, visit the OneInsure travel page, where you can compare travel insurance from different companies and choose according to your needs. We offer overseas travel insurance, domestic travel insurance, as well as student travel insurance.

Queries/concerns?
M – 86559 86559 | E – support@oneinsure.com

Be Sure with OneInsure

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Let OneInsure Help You Find Your Roots This World Tourism Day

Aditya Nair — Thu, 26 Sep 2019 06:29:26 GMT

Let OneInsure Help You Find Your Roots This World Tourism Day

26-Sep-2019 26-Sep-2019'

Aditya Nair

…pack a pillow and a blanket and see as much of the world as you can. You will not regret it. One day, it will be too late.

— Jhumpa Lahiri

If you read this quote from Jhumpa and connect with it and start thinking, “Yes, I should do this!” it is a sure shot sign that you live in a city and have been fantasizing about a nice vacation for a while now.

This World Tourism Day, say Enough to daily worries and stress, say Enough to the traffic and the monotonous routine, say Enough to the 9 to 5! Let’s dive into that calm and unchanging aspect of you, where a deep peace awaits...

Today, let OneInsure help you find your roots on a safe, stress-free vacation.

No matter how tough you are, living in the city can become too much if you don’t release that pressure and that stress. However, if you don’t plan your travel well, the vacation that you are taking to get relief from stress can become a major source of stress!

Imagine losing your baggage due to a logistics mix-up by airport staff
Imagine losing your passport while in a foreign country
Imagine getting into an accident and being hospitalized with insufficient funds to pay the hospital while traveling

These are real-life situations faced by tourists daily. This is why a travel insurance plan, which is a simple and pocket-friendly policy that you buy prior to your travel (international or domestic), is a must-have for all vacations, whether you are traveling alone or with your family/friends.

Travel insurance plans are suggested by the Ministry of External Affairs of the Government of India as well (https://mea.gov.in/guide-to-consular-services.htm).

Here are situations where travel plans provide financial assistance and make your vacation completely protected and stress-free:

Hospitalization resulting from accidental injury or sickness
Loss/theft of baggage or passport
Flight delay
Trip cancellation
Disability compensation resulting from an accident
Plane hijack

Additional Reading: How to Become a Smart Traveller

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Plan Your Vacations Like a Pro!

Aditya Nair — Mon, 12 Aug 2019 05:32:00 GMT

Plan Your Vacations Like a Pro!

12-Aug-2019 12-Aug-2019'

Aditya Nair

As you lay back on your airline seat, you mentally go through all the activities your cousins in Australia have planned for you and your family for the 2-week vacation. This trip for your family of four is going to cost close to Rs 10 lakhs, with the back and forth tickets during peak vacation season costing Rs 6 lakhs by themselves. This is a significant percentage of your life savings.

In a few hours, you reach Bangkok’s Suvarnabhumi International Airport. Your flight to Brisbane will leave from Bangkok in 16 hours, so you have booked a room at a nearby hotel. You leave the airport in a local cab.

Within 10 minutes of leaving the airport, at an intersection in downtown Bangkok, your cab is rammed into from the rear by a goods carrier whose driver was drunk. Luckily, there is no major injury to your two sons or you, but your wife has to be hospitalized due to ligament tears in her neck.

You rush to the hospital, where she is admitted. The spine doctor is not going to be available until the next day, so you are going to miss your connecting flight. Moreover, the hospitalization expenses in this strange country are going to be a huge strain on your travel budget. You are not sure how you are going to extend the flight tickets, and you are not sure when your wife will be able to travel again. In short, one incident is threatening to derail your entire vacation…

Scenario A:

A week before you left for your vacation, you did your research and bought a travel plan for your family’s trip
This plan acts as an international travel health insurance and reimburses hospitalization expenses for your wife in Bangkok
Since travel plans also compensate for trip cancellations and flight delays, you are financially protected in case you have to postpone your Bangkok–Brisbane flight due to unforeseen circumstances
For protection worth USD 1,00,000, this plan costs just Rs 5,000
Rs 5,000 is a tiny 0.5% of your overall travel budget
This pocket-friendly travel plan ends up saving you lakhs of Rupees

Scenario B:

Friends had suggested you buy a travel plan, but you had argued that it was too costly
Without travel medical insurance, you end up shelling out hundreds of US Dollars from your emergency travel cash for your wife’s hospitalization expenses
You are forced to postpone your Bangkok–Brisbane flight and end up paying another Rs 1 lakh to the airline
The travel budget has gone from Rs 10 lakhs to Rs 13 lakhs due to a simple incident where you were not at fault
But you realize that you are not completely faultless – YOUR FAULT IS THAT YOU DID NOT BUY A TRAVEL PLAN

Travel on your mind? Plan your vacations like a PRO with super-affordable travel plans.

Heading for a Vacation This Festive Season? Explore These Smart Travel Tips Before You Go

Mohit Mishra — Mon, 29 Oct 2018 07:37:00 GMT

Heading for a Vacation This Festive Season? Explore These Smart Travel Tips Before You Go

29-Oct-2018 29-Oct-2018'

Mohit Mishra

The joy of escaping from mundane city life (especially if you’re living in a metropolitan city like Mumbai) to a faraway place with our loved ones can be exhilarating. But most of us are tied to a 9 to 5 job. So, we have to wait for the holidays to kick-start an adventure. Speaking of holidays, the latter part of the year is here and with it come a host of festivals. We are sure you must have already started plotting your travel plans with utmost enthusiasm. That is an adventure in itself, we bet!

While we know you wouldn’t leave any stone unturned to make this the best holiday of your life, we have a list of travel tips to suggest. And we insist you go through these tips as they will better your travel experience. So, let’s have a look at them.

Follow Travel Bloggers

It’s time to put your social media accounts to use. Follow travel bloggers on different platforms, such as Instagram or Facebook. Or just read travel blogs to get varied perspectives and insights about different places they’re exploring. This might help you choose your destination, figure out which mode to travel by, and list down the must-dos once you’re there.

Take Flights from Smaller Airports

Traveling from class A airports can add up a lot to your overall travel expense. Contrarily, smaller airports can help you save a decent amount, thereby cutting down on your total trip cost significantly. If you’re going by flight and are on a stringent budget, this tip might come in handy.

Secure Your Trip with a Travel Plan

There have been several incidents where accidents, theft, and other losses have cost people more than their overall travel budget. Expenses incurred on such unforeseen incidents can be avoided by using a travel insurance plan that covers a number of things, such as flight delay and cancellation, loss of baggage or passport, hospitalization, and much more. A simple travel plan for an amount as low as INR 700 can cover you for a minimum of USD 50,000.

Can I buy travel insurance at the last minute?

While you can buy travel insurance online even at the eleventh hour, we suggest you buy it well in advance. Buying at the last minute may not give you enough time to explore plans and their benefits before you select the plan that absolutely meets your requirements.

Wish to protect your holidays with a travel insurance plan? Visit here.

You may also like to read: Protect Your Holiday Travel Plans with Travel Insurance

Carry Only the Essentials

As Indians, we have been trained to stuff as much as we can into our bags when going for holidays – because you may never know what you might need. Besides, the fear of forgetting something important can be overpowering. Nevertheless, overstuffing can be avoided by making a list of essential items that you will need during your trip. To make this task easier, we have compiled a list of essential items that you need to carry. Check out our lists.

Always Handy (Backpack/Purse)

Passport (when traveling abroad)
Tickets
Identity cards
Debit/Credit cards
Travel insurance

In the Luggage

Shirts, pants, undergarments, nightwear, socks, and shoes
Warm clothes (if traveling to places colder than your home city)
Hat and sunglasses (if traveling to a tropical location)
Travel pillows and eye masks
Phone charger
(Install some) travel apps
Toothbrush, toothpaste, shampoos, moisturizers

Things You Might Have to Carry Depending on Where You are Travelling To

Maps and guidebooks
Foreign currency
Hotel accommodation proof

Unplug

It’s easier said than done, but do try to keep away from technology as much as you can while you’re traveling with your friends and family. Smartphones have surely become an inseparable part of our lives. We always need them to look up something or the other. Besides, the constant urge to keep abreast with all that is going on around the world can override the subtler joys of experiencing a new culture, exploring new places, and taking back memories for life. Do remember that vacations are a time to relax and let your usual behaviors drop by the wayside. So, unplug for a few days. We assure you, the Earth will continue to go round and round while you're offline!

With that, we come to an end to our list of smart travel tips. Do you have more to share? Let us know in the Comments section below.

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Real-life Travel Insurance Story That Will Tug at Your Heartstrings

Mohit Mishra — Mon, 09 Jul 2018 09:14:00 GMT

Real-life Travel Insurance Story That Will Tug at Your Heartstrings

09-Jul-2018 09-Jul-2018'

Mohit Mishra

In this article, a newly-employed research executive at OneInsure shares one of her harrowing travel experiences while simultaneously detailing the event when she was introduced to the concept of travel insurancefor the first time. She writes...

When a Fun Trek Turned into a Nightmare

Just as we stepped into the New Year, I decided to take my passion for adventure to another level by going for the Chadar trek in Jammu, to which I was introduced in the year 2011 by the Human Planet series when I was still in high school. I had impulsively decided then that once in my lifetime I will go on this wild trek.

And there I was, exactly 6 years later, all pumped up to pursue this adventure.

Set at a height of 3,900 meters above sea level and coupled with a wild and icy 100+ kilometer stretch of the frozen Zanskar River, I certainly didn’t expect it to be a jolly walk. Moreover, the year 2017 was one of the warmest years recorded in India. Nevertheless, to satisfy my adrenaline rush, I reached the starting point of the river with my co-trekkers.

After having successfully made it up to a little more than halfway through the icy path, we accidentally landed on a large patch of thaw. And before we could realize the danger, I slipped and fell hard on the fragile crust of the river, making my way into an icy hole. As half of my body submerged in the freezing cold water, I made failed attempts at pushing myself out on to the ice sheet. Out of fear of being drawn away by the waters, I started hyperventilating. Everything was happening in split seconds and I started to lose consciousness. I remember my co-trekkers rushing towards me and trying to fish me out of the hole but my feet were stuck between the rocks underneath the ice sheet.

The next thing I knew I was waking up in a hospital on the 3^rd day since I was brought there. Severe hypothermia and head and back injuries would keep me under medical observation for a week. I was fed warm liquids all through the day. A nurse was assigned to look after me 24*7. Two of my co-trekkers had stayed back to take care of me. My parents were contacted and they would leave for Jammu the next day. I had obviously missed my flight while I was still unconscious.

The entire event took both a physical and emotional toll on me. I often wonder how I would have managed all that financially had I not bought travel insurance on my dad’s insistence. Amid all that was going on, knowing that the hospital expenses will be taken care of was a big relief.

I started to recover from the injuries and my body temperature became normal. On the 7^th day, I was discharged and allowed to fly back home.

That trip has become an unforgettable experience. The only good thing to come out of that was that I wasn’t financially damaged as I would have otherwise been in the absence of travel insurance. I would like to take this opportunity to advise all backpackers out there to never travel without a travel insurance policy. When things go awry, trust me, it acts as a very useful financial safety belt.

Travel insurance is indeed a very important financial safety belt that everyone must strap in before embarking on any journey. It provides financial assistance for a number of undesirable events during your travel, such as:

Hospitalization resulting from accidental injury or sickness
Loss/theft of baggage or passport
Flight delay
Trip cancellation
Disability compensation resulting from an accident
Plane hijack

For further guidance on travel insurance, do leave your comments below. You can also write to us at support@oneinsure.com or call 86559-86559.

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6 Money-Saving Tips for Your Next Trip

Mariya Panwala — Tue, 12 Jun 2018 10:03:00 GMT

6 Money-Saving Tips for Your Next Trip

12-Jun-2018 12-Jun-2018'

Mariya Panwala

Are you someone like me – loves travelling but always runs out of money? If your answer is no, then you can unapologetically skip this article. If your answer is yes, though, then you have stopped by the right place. Because, hey, I have recently discovered some amazing money-saving hacks that I would like to share with you to help you save big on your next trip. Read these tips and you’ll realize that your trip to Europe is no longer going to remain just a dream.

Tip 1 – Create a Travel Fund

Very important! Just how you would create an emergency fund, you need to create a travel fund as the first step towards executing your big travel plans. Put aside a small sum of money in an investment plan that has high liquidity and quick returns, and watch it grow. Keep adding a little to this fund every month so your returns increase over time. When it has grown enough, you can start withdrawing from it when you want to pursue your trip. Make this a regular habit and you’ll be able to realize all your travel dreams easily.

Tip 2 –Travel in Shoulder Seasons

“What’s a shoulder season,” you ask? Well, a shoulder season is the time when a destination’s tourism is somewhere between its low and high seasons. For example, a month or two before the vacations start, that is, April – May. This is an ideal time because the resorts will offer enticing discounts, airfares will be lower, and the weather will be pretty much perfect. Vacationers will start flocking only by May end or June. So, the crowd will also be smaller.

Tip 3 – Install a Spending Tracker

When technology is offering us so much, why not take advantage of it? Install a good spending tracker on your device and keep a tab of all your expenses. This way, you’ll have control over your unnecessary expenditure.

Tip 4 – Save on Food

On your way to the destination – Always swear by make-ahead snacks for the road trip and airport lounges if you’re travelling on a budget. Carrying home-made snacks will cut down costs on unnecessary and expensive food items, especially at the airport.

While at the destination – Avoid eating around tourist spots. Choose a restaurant that is at least a few kilometres away from a popular tourist attraction. Preferably, eat where the locals eat. This will not only help you cut down on expenses but will also help you explore local cuisines.

Tip 5 – Share Your Rides

Transportation costs could add up a lot to your overall travel expenses. By sharing your rides, you can save significant amounts. But be careful who you’re sharing your rides with. You can also opt for public transport as long as it is not ruining your travel experience.

Tip 6 – Stay in Hostels

If you’re a frequent traveller, then stay in hostels instead of hotels. Hostels are much cheaper and fun. The fun thing about staying in hostels is you get to interact with other travellers and exchange your travel experiences. You can also share your rides with them if you have the same tourist spots to cover.

Also Read: How to Become a Smart Traveller

Tip 7 – Have a Financial Backup

Food poisoning, accidents, robbery, and loss of passport are common occurrences while travelling. Secure your trip with a travel insurance policy before you embark on your journey. It will take care of any sort of financial emergencies encountered during your travel. It will also help you get reimbursement for pre-paid expenses in case of a missed or delayed flight.

Parting advice – Travelling is fun but you need to be careful, especially money-wise. Before leaving for your destination, you must carry out thorough research of the place you’re travelling to. You may also join travel groups on social media that can put you in touch with those who are travelling to the same destination. This will prepare you for your trip in advance.

To remind you again, don’t forget to get insured before you begin your journey.

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How to Become a Smart Traveller

Aditya Nair — Fri, 18 May 2018 14:03:00 GMT

How to Become a Smart Traveller

18-May-2018 18-May-2018'

Aditya Nair

…pack a pillow and a blanket and see as much of the world as you can. You will not regret it. One day it will be too late.

Jhumpa Lahiri, The Namesake

With the 2019 travel season almost upon us, it is difficult to not get bitten by the travel bug. Just the thought of hitting the roads and exploring untraveled paths might send thrills down your spine.

While the idea of travel and exploration may sound very exciting, there’s also the fear of the unknown in a foreign place that might be making you nervous.

In this article, we discuss certain tricks that you can follow to become a smart traveler. The tricks that we are sharing here are sure to prepare you for any kind of uncertainties that you might face during your vacation trip. Read on!

Travel Light

Traveling light makes it easier and faster for you to chase that train or track down that famous café everybody’s talking about. So, always carry only important things in your bag. Be a roller when it comes to packing your clothes, because it saves space. Master packers are of the opinion that your clothes shouldn’t add up to more than one-third of your total luggage weight.

Distribute Your Money

Theft and robbery are part and parcel of a trip, for which you must be prepared in advance. Globetrotters suggest that you must NOT keep your money in a single pocket of your bag. Instead, divide and distribute it among different pockets, just like you would distribute your savings in different investment options to reduce risks.

Double-check Your Tickets and Passports

Always double-check your tickets and passports, lest you might end up beginning your trip on a haphazard note. Do not allow this to lapse from your memory. To prevent that from happening, have reminders in place.

Travel Insurance

Hospitalization resulting from accidental injury or sickness
Loss/theft of baggage or passport
Flight delay
Trip cancellation
Disability compensation resulting from an accident
Plane hijack

This does not apply only to international travel insurance.

Travel Documents

Apart from the passport, visa, tickets, and travel insurance, here is the list of essential travel documents that you must carry for a hassle-free trip:

Maps and guidebooks of the places you’re traveling to
Foreign currency if traveling abroad
Hotel accommodation proof
Identity documents
Debit/Credit cards

Stop All Services

While you’re traveling and relaxing, it will be very thoughtful of you if you let your appliances relax too. This will be the best time to unplug or turn off all your appliances at home. You must also not forget to stop all the services (if you have any), that you avail at your doorstep, such as newspaper and milk delivered daily.

Parting Trick (the most important one!)

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Don’t Forget to Strap In

Mariya Panwala — Fri, 11 May 2018 11:56:00 GMT

Don’t Forget to Strap In

11-May-2018 11-May-2018'

Mariya Panwala

Explore why, when it comes to international travel, strapping on your travel insurance helmet is as important as strapping into your airplane seat

Before we get into this travel insurance article, let’s take our minds back to March 1, 2003, the memorable day when ISI-approved helmets became compulsory for motorcycle riders in India and not wearing them became a punishable offence.

Motorcycle riders reacted angrily to this rule, traffic policemen’s ears were filled with hundreds of excuses (while their pockets filled with “fine” amounts), and after several weeks bikers finally accepted that this rule was not going to be withdrawn by the Government.

After a few months (and crores earned in bribes!), police authorities in major cities realized that this new rule had been accepted by the society and they stopped enforcing it with the same energy as they had in March 2003. But they made a crucial error in enforcing this rule.

Research and statistical figures available at the time showed that the rate of people dying from head injuries in motorcycle accidents would be reduced by 50% if there were strict motorcycle helmet laws in place. But that was only if the right type of helmets were used. This was why the law-makers had made ISI-approved helmets compulsory, and not just any type of helmets.

However, due to the large number of motorcycle riders on the roads, the shortage of time, and the sheer laziness of traffic police, this vital quality check was not always done. Therefore, even today, you will find riders using helmets just for the sake of it. These low-quality helmets have neither padding inside (to soften the blow in case of an accident) and nor the crucial straps (which make sure the helmet doesn’t fly away from the victim’s head during impact in an accident).

When it comes to Indians and international travel insurance, the scenario is very similar to the careless use of helmets in our country.

Just like the law-makers who had the right intentions in mind, we have certain countries that have made travel insurance compulsory for tourists entering their borders. Just like policemen who are only interested in their own profits, we have dishonest agents/companies that aggressively sell ineffective travel insurance. Just like low-quality helmets, we have insurance schemes that barely satisfy the requirements but are hollow and useless in cases of actual difficulty. And finally, we have international travellers who choose the cheapest travel insurance that they can find because they believe that they would never, ever have any difficulties while abroad anyways.

The right travel insurance covers you in situations like a lost or stolen passport, lost or stolen baggage, delayed or missed connecting flights, and even foreign hospitalization. Trust us when we say that foreign hospitalizationcan actually totally wipe out your bank balance back home. Healthcare costs, especially in first-world countries, are so high that people who live there prefer to travel to South East Asia for medical treatments. In fact, in India itself, Medical Tourism is a $5.5bn industry as of FY2017 (worldwide: $45bn). This clearly points out to the extremely high healthcare costs abroad. For example, basic blood work in the US costs more than $1,200. Ask yourself, can you afford a Rs 80,000 blood test while on a tight-budget tour or vacation?

As mentioned earlier, travel insurance covers you and your family against situations beyond your control, like theft, a vehicular accident, or delayed connecting flights that will ruin your entire schedule in a matter of hours due to the cascading effect. So it makes sense to be safe rather than sorry and choose a solid travel insurance that is there to assist you in any situation. What’s more, the right travel insurance packages are really not that costly!

Just like ISI-approved helmets that cost just a few hundred bucks more than jugaadu helmets, the right travel insurance costs just a little bit more than the hollow, useless ones and give you cover against almost any situation you could face during foreign travel – whether you are traveling alone or with your whole family.

Moreover, just like a helmet costs just a fraction of the bike’s cost, the overall cost of the travel insurance is going to be a mere 2 – 4% of your total travel expenditure. For such a small extra sum of money, one can be sure to receive immediate financial support in case anything goes wrong while abroad or while traveling.

So take in the gorgeous sights of the Australian Outback, breathe in that mouth-watering aroma of waffles in Brussels, or cruise on that Venetian gondola to your heart’s content, just don’t forget to strap on your travel insurance helmet!

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Is Travel Insurance Necessary for Domestic Trips?

Joan — Mon, 30 Apr 2018 11:17:00 GMT

Is Travel Insurance Necessary for Domestic Trips?

30-Apr-2018 30-Apr-2018'

Joan

When you travel abroad, travel insurance becomes more or less necessary as many places make it mandatory for visitors. Now, what about when you travel within the boundaries of your country? Is travel insurance necessary then? In this article, we will look into those scenarios where travel insurance can be of aid when on your domestic trips.

What is covered under a travel insurance policy?

Medical Emergency

Medical emergencies can happen anytime, anyplace – whether you are in the country or in some foreign nation. The medical or accident cover component of your travel insurance plan can be extremely beneficial, especially when you do not have a health plan. The policy will cover the costs related to medical emergencies occurring during the trip.

Flight Cancellation

Rough weather, technical glitches….there are "n" number of reasons why an airline might have to cancel its flights. When such situations arise, it can be quite troublesome even if you are traveling domestically. A travel insurance policy will cover you for the losses you face due to flight cancellation or delays.

Loss of Baggage

Not seeing your luggage turn up on the baggage carousel is never a pleasant sight, and that is why insuring every aspect of your trip is very important. A travel insurance cover will compensate you (up to the policy limits) for the value of the lost baggage and the contents inside.

Trip Delays

If your flight is delayed, it can result in a lot of hassles. The advantage of having a travel insurance cover in such a scenario is that the insurance company will provide some financial relief should your flight get delayed beyond a certain number of hours.

Conclusion

It doesn’t matter if you’re traveling within the country or outside, having a travel insurance policy is a must in this day and age. The whole purpose of having a travel cover is to protect your trip from unexpected surprises, so even if you’re only heading to a different city, make sure to have a travel cover so that you are adequately protected. To compare and buy the most suitable travel insurance plan, give us a ring at 86559 86559 and we will guide you through the process.

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Top 3 Travel Insurance Myths You’ve Got To Stop Believing

Joan — Fri, 13 Apr 2018 12:49:00 GMT

Top 3 Travel Insurance Myths You’ve Got To Stop Believing

13-Apr-2018 13-Apr-2018'

Joan

Before embarking on a trip, some people ensure they have a travel insurance policy in place so that if anything unexpected happens, they will be financially secure. Without a doubt, this is a wise move. Now, unfortunately, there are quite a few people who consider travel insurance as an unnecessary additional expense and hence avoid getting the same. The main reason behind this is the numerous myths surrounding travel insurance that many believe to be true and the failure to understand how useful such a policy can be. In this article, we have listed some of the common travel insurance myths flying around and the actual truth behind them.

Myth 1 – “If I’m really careful, nothing could go wrong.”

Regardless of all the safety measures taken, one can never be too careful. Unexpected events can arise anytime, anywhere and they are definitely not unheard of. At any point, you could get into an accident or fall sick or get robbed, etc. Having a travel insurance policy can serve as a safety net to all the what-ifs situations that could arise during the trip.

Myth 2 – “I already have health insurance, so there isn’t a need for travel insurance.”

Many a times, people forgot getting a travel plan simply because they believe their health policy will cover them should they fall sick abroad. While this isn't wrong as some health policies have network hospitals in foreign countries, but what if your trip gets delayed and your health policy expires? A travel insurance policy can be useful here. Additionally, it must be noted that with health policies, the coverage may be limited to certain regions and countries.

Read about - Travel Insurance: Dos and Don’ts

Myth 3 – “A major calamity has to occur for the insurance company to make a payout.”

This is one of the biggest myths going around about travel insurance. It should be understood that the purpose of a travel insurance policy is to help ease an individual’s mental agony if in case an unfortunate events occurs when s/he is abroad. A comprehensive travel insurance plan will not just cover you against catastrophic events; it will reimburse you for the losses borne due to trip cancellation, baggage loss, medical emergencies, etc.

Have any questions about travel insurance? Write to us on support@oneinsure.com or give us a ring at 86559 86559 and we will guide you through it.

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Things Your Travel Insurance Plan Will Not Cover

Mariya Panwala — Mon, 12 Mar 2018 10:43:00 GMT

Things Your Travel Insurance Plan Will Not Cover

12-Mar-2018 12-Mar-2018'

Mariya Panwala

Travel Insurance Plans come with varied features and benefits to suit the needs of different types of travelers. With a Travel Plan, you can be rest assured and enjoy your trip as it may cover you for a number of things like –

Overseas Medical & Hospitalization Expenses
Lost Baggage/Wallet
Missed/cancelled Flight
Emergency Evacuation, and
Accidental Death

However, there are a few things that are excluded from the policy owing to their obvious nature of danger. We are listing these things below. Go through the list and know in advance that you will not receive reimbursement on your travel plan for these particular reasons.

If the insured individual chooses to travel against a physician’s advice.
If the insured individual is travelling for obtaining treatment.
The insured individual is not covered for a pre-existing medical condition or for any problem which arises from that condition. Nevertheless, some insurers do cover a case of life saving unforeseen emergency up to a certain amount which will be defined in the policy.
If the insured individual commits suicide or attempts suicide or causes self-induced wound or sickness, s/he will not be covered under the plan.
Mental & Nervous disorders, stress & anxiety and the treatment for depression will not be covered.
Sexually transmitted conditions like Acquired Immunodeficiency Disorders (AIDS) and Human Immunodeficiency Virus (HIV) infections will not be covered.
Pregnancy and complications arising from that will not be covered in most cases. However, ectopic pregnancy proved by diagnostic means and is certified to be life threatening by the physician will be covered.
If the insured individual is under the influence of drugs, alcohol or similar intoxicants or hallucinogens, s/he shall not be covered.
If the individual is operating or is acquiring training to drive an aircraft, or s/he is on duty as one of the members from the crew on a scheduled airline or an aircraft.
If the individual is serving in any division of the Armed Forces or Military of any country (whether in peace or at war) will not be covered.
Loss arising due to war, invasion, civil war, insurrection, revolution or due to an act of foreign enemy will not be covered.
If the insured individual is involved in performance of any manual work that is potentially dangerous, then s/he will not be covered.
Participation in winter sports or sky/scuba diving, bungee jumping, mountain climbing and similar life-threatening sport events are not covered.

Having said that, a Travel Plan holds significant importance for many other ailments and travel hazards making it a primary requirement before you embark on your journey. But choosing a travel plan can be a difficult task and may require an expert’s advice. At OneInsure, a dedicated team of professionals have been providing this service free of cost since many years. So before you subscribe to a travel plan, make sure you have considered consulting them. You can reach them at 86559 86559 or drop an email at support@oneinsure.com to avail the best deal.

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Travel Insurance For Senior Citizens

Joan — Wed, 14 Feb 2018 06:05:00 GMT

Travel Insurance For Senior Citizens

14-Feb-2018 14-Feb-2018'

Joan

As you reach the golden years of your life, what better way to spend your time than traveling to new places and immersing yourself in different cultures? Often times, people wait until they have retired from their respective jobs to take leisure trips to foreign destinations since they don’t have to commit to a set routine. A report titled 'Shaping the Future of Travel in the Asia Pacific' by Frost & Sullivan and Amadeus has stated that senior travelers in India will increase to 7.3 million by 2030, according to different news sources. While this figure makes it clear that many senior citizens are going to be traveling abroad, it also shows the importance of having a travel-friendly ecosystem for senior citizens in place.

Senior citizens are more susceptible to health issues. Some may have difficulty keeping up with the physical demands of travel, while others may fall ill because they cannot adapt to the weather conditions or food in a foreign place. Without any kind of financial backup, medical expenses in foreign places can create a big hole in your pocket. Besides the health factor, there are many other things that can go wrong during a trip, like baggage theft, missing passport, etc. Hence, it becomes necessary to take adequate precautions to ensure your holidays aren’t ruined by any kind of unpleasant surprise. A good way to financially secure your trip is by having a travel insurance cover. Few insurance companies have designed travel insurance products specifically targeted at senior citizens.

Benefits of senior citizen travel insurance plans:

Although travel plans for senior citizens carry slightly higher premiums, it is no reason to forgo availing a cover. The risk of traveling uninsured is too high and you could end up shelling out big chunks of money if something unexpected happens.

While the benefits of a travel cover vary from one insurance company to another, here are the common ones you get:

Cost of medical evacuation to India will be covered.
Emergency funds will be disbursed in case of a theft.
Cashless hospitalization facility will be available for medical emergencies.
Compensation may be provided for personal liabilities arising during the trip.
Coverage is provided against baggage losses and baggage delays.

It is recommended that senior citizens consider comprehensive travel insurance plans to protect them from all kinds of risks and threats that could arise overseas. One can have peace of mind knowing that whatever happens, the insurance company will cover the financial losses should something go wrong. The right policy will help recoup losses against any unforeseen circumstances.

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Travel Insurance: Dos and Don’ts

Mariya Panwala — Thu, 08 Feb 2018 13:01:00 GMT

Travel Insurance: Dos and Don’ts

08-Feb-2018 08-Feb-2018'

Mariya Panwala

Saurabh’s mother during her stay in the USA suffered a major heart attack and was hospitalized for a few weeks there. The total cost of the treatment amounted to USD 45,000 against the policy of USD 50,000 that Saurabh had bought at ₹ 2,700. Saurabh was extremely happy to get his money reimbursed from his insurer. He immediately called OneInsure to thank our team for the timely guidelines. What was it, you must be guessing? So, what happened was, when Saurabh visited our office to buy the travel plan for his mother, he was almost on the verge of selecting a plan worth ₹ 1,700 (because it was comparatively cheaper) for a cover of USD 42,000. However, our expert insisted he rather buy the other plan that provides a USD 50,000 because there’s a difference of only a thousand bucks. And, if the need arises to make a claim, the other plan will help him save more money. Saurabh, although reluctantly, agreed to subscribe for the plan suggested by our expert, which eventually saved him USD 3,000.

Quite often, the policyholders who purchase the policy for the sake of it (because they think they wouldn’t require it) end up taking wrong insurance decisions. Such hastily taken decisions can later put a dent in one’s pocket. One must avoid similar mistakes and to ensure that, here’s OneInsure with a list of Dos and Don’ts for Travel Insurance. Make sure you consider each of the below points to make a right insurance decision.

Dos

Do not randomly buy a plan; consult an expert, an insurance agent/broker before subscribing to any plan. If you have very little time to spend on research and consultation, call our experts at 86559 86559 or drop a mail at support@oneinsure.com and they will provide you a quick guidance.
Buy the right policy with the right cover. For this, consider the country you’re travelling to. The risk and cost vary in different countries. For example, if you’re travelling to the US, purchase a plan that provides a higher cover because the medical expenses in the US (and few other countries in the West) are considerably high.
Before leaving for abroad, make sure you have the toll-free number of your insurer and insurance agent to seek an immediate aid in case of any contingency during the trip. Also make sure this number is kept handy.
Read the policy documents carefully. Whatever doubts you may have, clear them all with your insurance agent before leaving India.

Don’ts

Do not think that buying travel insurance is an unnecessary expense. Unfortunate events like missed flights, passport or baggage loss, theft, or any other medical emergency can cost you a lot, especially if you’re travelling outside India. So do not take a chance, get yourself insured before embarking on your journey.
For a significantly lesser difference between two premium amounts, do not opt for a plan with lesser premium (Keep Saurabh’s example in mind) if there’s a considerable difference between the sum insured amounts of both the plans.

Conclusion:

The idea of travelling to a foreign land is as scary as it is exciting. But if you have a travel insurance plan, the horrors of a trip going bad (financially) can be handled with ease. If you’re looking to travel in the near future, get the best travel insurance deal from here.

Read here to know about Domestic Travel Insurance.

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Going Alone? Travel Insurance Is A Must

Joan — Tue, 23 Jan 2018 12:25:00 GMT

Going Alone? Travel Insurance Is A Must

23-Jan-2018 23-Jan-2018'

Joan

An unpleasant surprise like loss of passport, medical emergency or baggage theft is enough to dampen your holiday spirit. And when you're travelling to a foreign destination all alone, facing similar events can make the whole situation a lot more troublesome. That is why solo travellers need to have travel insurance in place before embarking on their trip. Travel insurance covers costs and risks associated with unexpected events that could arise while travelling. In other words, such policies protect you from various travel-related emergencies.

Here’s how solo travelers can benefit from travel insurance

Covers your health

When you’re travelling alone, you have to take care of your health. There's not going to be a friend or a family member to handover a pill for when you're ill. There may also be instances when you'll be faced with a more serious health scare. That is where your travel insurance comes to your aid. With a travel insurance policy, you’ll generally be covered for cost of transportation to hospitals, emergency medical evacuation (if needed), expenses for emergency surgeries and prescribed medicines etc.

Covers stolen credit cards and provides emergency cash

If your credit card or money gets stolen when you’re travelling alone, who are you going to depend on for financial assistance? A solo traveler with a travel insurance cover, however, can get the required help in contacting banking institutions to freeze their cards and more. Some plans provide reimbursement in case of unauthorized credit card charges. If during the trip, your payment card gets lost or stolen, the insurer will reimburse the unauthorized charges you are responsible for on your lost or stolen payment card up until a certain time period before you first report the event to your payment card issuer. Before availing any plan, however, make sure to read through all the coverage exclusions.

Besides this, the insurer can provide you with an emergency cash advance in case you lose your wallet. However, to be eligible for emergency cash, you must have an official police report filed for theft of cash from your wallet. Thus, you can have peace of mind knowing that you will have access to cash when you desperately require it after an incident like robbery.

Covers loss of baggage

Arriving at your destination and finding out that your baggage is lost is no fun. And incidents of baggage being stolen from the airport baggage carousel are not unheard of. If you intend to carry items of high value in your checked baggage then a travel insurance plan that includes baggage loss coverage can help minimize the losses in case your luggage goes missing during your flight. So before you embark on your trip, make sure that you understand the claims process, particularly the time limit for filing a claim for missing baggage. (It must be noted that benefits shall only become payable should there be a loss of an entire piece of checked baggage. The insurer will generally not reimburse you for damage to the luggage or partial loss of its contents.)

To conclude, if you're planning a solo trip abroad anytime soon then you must have realized how essential it is to have yourself covered with an individual travel insurance policy. You'll be able to enjoy your vacations without having to worry about what can go wrong since your insurer will have your back.

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Backpacking For New Year Holidays? Here’s Your Travel Packing Checklist

Mariya Panwala — Sat, 30 Dec 2017 07:04:00 GMT

Backpacking For New Year Holidays? Here’s Your Travel Packing Checklist

30-Dec-2017 30-Dec-2017'

Mariya Panwala

A holiday to a far away destination would probably be the best thing that you could gift yourself and your family this New Year. However, amid all the excitements and the thrills, are you sure you’re not missing out on anything important that you would require during your travel? If you’re not sure, then here’s OneInsure to your rescue. Below is your Ultimate Travel Packing Checklist that you need to go through before you embark on your much-awaited New Year Holidays.

1. The Bag

Your bag is your all-time travel partner because in it you have all that is necessary for your trip. So make sure your bag is water-repellent, anti-theft and cut resistant. Besides, it should be big enough to store all your essentials.

Tip – Do not keep your money in a single wallet. Divide your money and put them in different pockets of your bag.

2. All that is basic

Check if you have put in all the basic stuff that will be required inevitably during your travel. Check the table below and tick them off when you pack your bags –

3. Travel Documents

Maps – Are you one of those travel junkies who prefer road trips over train journeys? If yes, you surely need maps to keep yourself on the right track.
Guidebooks – Don’t forget to carry a guidebook of the city/country you’re travelling to. This will help you make the most of your trip.
Cash, Credit/Debit & ID Cards – Carry both your cash and credit/debit cards safely. As suggested earlier, don’t put all of these in a single place. Separate them. Also, don’t forget to carry along a copy of your ID proof.

4. Tickets & Passport

Bad or not a bad memory, double check on your tickets and passports! The last minute rush can make any person absent minded and you surely do not want your trip to begin on a haphazard note. Put a reminder if necessary.

5. Travel Security

Needless to say, Travel Insurance must be an integral part of your trip, whether domestic or foreign. It provides cover for your medical expenses, flight cancellation charges, emergency evacuation and for loss & theft. Reach out to OneInsure if you haven’t got your travel insurance already. And once bought, make sure you have their number handy (Contact - 86559 86559) so that you can reach them in the event of uncertainties during your travel.

You can read more on travel insurance from here.

6. All that requires a halt

Since you’re on a break, give some of the things at your home a break too. Unplug appliances, turn off switches, empty your refrigerator (if the trip is long), and stop milk-vegetables-newspaper deliveries (until you return). And yes, if you have pets, leave them in the company of reliable friends or relatives.

Parting Advice - Do not carry entertainment magazines or engaging TV shows. This will impact your travel experience and you will end up doing more of the things that you could have done sitting at home anyway.

Travel safe and Happy New Year :)

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5 Amazing Destinations To Spend Your Christmas Holidays

Joan — Fri, 08 Dec 2017 12:58:38 GMT

5 Amazing Destinations To Spend Your Christmas Holidays

08-Dec-2017 08-Dec-2017'

Joan

We all need a break from our same old routine now and then. What better time to pack your bags and head somewhere than during the upcoming winter vacations. December is the great time to dust off your passport and head out on on adventure. (P.S. don't forget to get a travel insurance policy so that you'll be protected from unexpected medical and financial emergencies that might arise when you're overseas).

Here are five holiday hot spots that will give you the best value – and weather – for a winter getaway.

Goa, India

To get your Christmas spirits up, attend a midnight mass service at the Immaculate Conception Church and the Basilica of Bom Jesus. Treat yourself to a Christmas turkey dinner at any of the restaurants around. Also, don’t miss out on trying their prawn curry, sorpotal and fish curry, among other dishes.

Dubai, United Arab Emirates

There’s so much you can do in Dubai - cross the Dubai Creek on an abra ride, shop at the Dubai Mall, go on a desert safari, take a stroll at the beach, etc. Malls in Dubai will put up the best Christmas displays during this time. If you fancy a bit of snow, head to the indoor ski resort, Ski Dubai.

Hong Kong

Disneyland, Madame Tussauds Hong Kong, Ocean Park, The Peak...the places to visit in Hong Kong are endless. Towards the end of December, you’ll see shopping malls donning Christmas decorations and restaurants and hotels hosting Christmas celebrations and including special meals in their menus. Try to stay there until New Years to enjoy the spectacular fireworks display.

Cambodia

December is one of the most popular months to travel to Cambodia. Flight fares and hotel stays are quite pocket-friendly, and the weather conditions are at its best in December and January (low humidity, cool temperature and rare rainfall). When you're there, explore the temples in Koh Ker, try out scuba and snorkelling activities at Sihanoukville and enjoy a magical sunset at the Mekong River.

Thailand

Lots of sunshine and little rains make December a peak tourist season in Thailand. From Bangkok to Chiang Mai to Phuket, there will be many hotels that serve special Christmas dinner. Visit the towering limestone cliffs of Krabi to capture the perfect sunset photos. If you find the time, go on a guided boat tour of Damnoen Saduak market.

Bottom Line

Getting a good deal comes down to how you do your research. There are quite a few holiday destinations that offer great value all year round, and some of the more expensive ones can be done rather cheap if you are able to get good deals on airfares and hotel stays during non-peak times. Before heading somewhere, especially overseas, during your Christmas vacations, don’t forget to buy the right level of travel insurance cover where the limits suit your needs. Should anything unexpected happen during the trip, you can rely on your travel policy to have you financially covered. To find the most suitable travel insurance cover, give us a ring at 86559 86559 or write to us on support@oneinsure.com.

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Single Trip Vs. Multi Trip Travel Insurance: What’s Best For You

Joan — Thu, 30 Nov 2017 06:37:00 GMT

Single Trip Vs. Multi Trip Travel Insurance: What’s Best For You

30-Nov-2017 30-Nov-2017'

Joan

Who doesn’t love travelling? The thought of seeing new places, exploring new cultures and tasting local cuisines is both fascinating and mesmerizing. Now, what is the one thing that many of us generally tend to push aside until the last moment? Travel insurance?? For those of you who do not know what travel insurance is, well, it is an insurance product designed to cover the costs associated with unexpected events you might face while travelling like loss of baggage, flight cancellation, accidents, etc. Travel insurance is a must-have insurance product regardless of the kind of trip you’re taking. Whether you are taking a business trip or leisure trip, don't take the risk of travelling without being adequately insured.

Travel insurance can be availed two ways – single trip insurance policy and multi-trip insurance policy.

Single trip travel insurance

Travelling abroad for a workshop, event or to enjoy your holiday? In this case, it is wise to go for a single trip travel insurance plan. You will be covered from the time you take your flight from India to a foreign destination until the date of your return or the day that your policy term ends (whichever is earlier). Such policies generally cover you for hospitalization expense, emergency dental treatment costs, loss of checked-in luggage, etc.

Single trip travel insurance plans are cost effective for people who do not travel often. You wouldn’t have to pay for the days you aren’t travelling. However, if you think you might have to travel overseas a couple of times in a year then it is advisable to go for a multi- trip plan since you wouldn't have to take a new cover every time you travel.

Multi-trip travel insurance

Multi-trip travel insurance plans are generally purchased for a span of one year. The policy term, which will be in force for a period of 12 months, will begin from the date at which you buy it. All the trips you make during the year will be covered under the same policy. Multi-trip travel insurance policies generally cover loss of passport, emergency medical expenses, trip cancelation, etc.

If you’re someone who goes on multiple official trips in a year or simply likes to visit different countries on a regular basis then a multi-trip travel insurance plan is the best option for you. The plus point of such plans for frequent fliers is that they do not have to waste time going through any last-minute purchasing hassles. It must be noted that multi-trip plans will have a limit on the duration of travel, so make sure to read the policy documents before buying any cover.

Bottom line

Both the travel insurance plans have different uses and so there really isn’t a way to say which is the better option. If you are looking for the ideal travel insurance plan, begin by first identifying what your requirements are. Go for a multi-trip policy if you think you are likely to take more than two trips a year. In case you have to postpone the trip, your insurance cover will still be in force. If you're not a frequent traveler, shop for single trip policies since they will be cost effective.

You can now buy travel insurance plans at competitive rates by downloading the OneInsure App on your phone or through OneInsure's portal.

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What Does Travel Insurance Typically Cover?

Joan — Fri, 29 Sep 2017 06:58:00 GMT

What Does Travel Insurance Typically Cover?

29-Sep-2017 29-Sep-2017'

Joan

You’ve booked your flight tickets. Now what?

You may be travelling for work or simply off on an adventure trip or visiting your parents abroad - wouldn’t you want to ensure that you enjoy a smooth, safe trip? The truth is accidents can occur anytime, even when you are on an official trip. A tiny mishap is all it takes to dampen one’s mood, and if you are unprepared, you may end up shelling out quite a bit. So what can you do to financially safeguard your trip? - Well, you shop around for travel insurance products and select one that meets all your coverage needs and at the same time is affordable.

Travel insurance is definitely a must if you are planning a trip somewhere. Here’s a look at what travel insurance typically covers:

Overseas Medical Treatment & Hospitalisation

Medical expenses in western countries are exorbitant and you may end up spending a fortune if you fall ill while travelling to any of the places there. When you have a travel insurance cover, you will be reimbursed for the medical costs you bear while on your trip. Your travel insurer will cover you for emergency medical as well as dental care when you’re abroad. Additionally, you can benefit from cashless hospitalisation, which makes it simpler for you to get medical aid in foreign countries without having to go through tedious paper formalities.

Missed Flight

Lots of travellers miss their flights for several different reasons. And no, not all of them can make a claim with their travel insurer. If you missed your flight because you woke up late or because of traffic, your insurer is not going to compensate you for the loss. Rather, your travel insurer may cover you i) for missing your connecting flight on account of a motor vehicle accident you’re involved in, ii) for missing your flight due to some civil unrest or natural disaster and iii) if your doctor informs the insurance provider that you're unfit to continue with your trip. So make sure to go through your policy wordings to check what is and what is not covered by your insurer.

Lost Baggage

Picture this - you land at your destination on time but your luggage does not turn up, and the airline has no idea where your luggage is! This incident alone is enough to dampen one’s holiday spirit. When you have a travel insurance cover, you will be compensated in case of loss of an entire piece of checked baggage. (Note - benefits will not be paid in case of partial loss of contents). In the event your luggage does not turn up at all at the airport, you can submit a compensation claim with your travel insurer. By letting your insurer know at the earliest, they will be able to process your claim faster.

Emergency Cash

There’s always the risk of theft when you’re travelling. Tourists are a common target for criminals because they are likely to carry large amounts of cash with them. When you have a travel insurance plan, your insurer can help arrange for emergency cash in the event that you are robbed or mugged and help you in getting replacement IDs should you passport be stolen as well.

Accidental Death

Coverage for accidental death is one of the many benefits of travel insurance. If you are off on an adventure trip, it is most essential that you ensure your policy includes this. Coverage for accidental death works quite similar to that of a life insurance cover - you name a beneficiary when you buy a policy, and that individual stands to receive the benefits in the event of your demise while traveling. The benefits paid out by your travel insurer would be in addition to the benefits paid by your life insurance cover (if you have one in place).

When you have a travel insurance plan, you can travel in peace anywhere across the world. To find the most suitable travel cover, click here or give us a ring at 86559 86559.

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Do You Need Overseas Insurance?

Joan — Wed, 23 Aug 2017 13:12:00 GMT

Do You Need Overseas Insurance?

23-Aug-2017 23-Aug-2017'

Joan

Priya took her parents to New Zealand for a two-week trip. Unfortunately, her mother fell ill during the trip and had to be admitted to a hospital. When an incident like this happens in a new place, it can be a nightmare, especially when one has limited amount of money. But Priya had made a wise decision of taking out a travel plan for her parents and herself. All she had to do was get her mother admitted to a nearby hospital where she was offered a cashless service.

Travelling abroad is an exciting feeling - you get to meet new people, try out different cuisines, learn about a new culture etc. While you are planning the different activities you’d like to participate in, it is highly important that you give travel insurance a serious thought. Travelling without a travel insurance policy is a huge risk to take. Should something happen, all that you’ve invested in your holiday can go down the drain. When you have an overseas insurance cover in place, you can have the assurance that your investments are protected in case anything leads you to change your plans.

Here are some of the benefits of having travel insurance:

If you fall ill or suffer an injury and need to be hospitalised, you will be covered for hospital stays and medical treatments. Make sure to read the terms and conditions of your travel insurer to check the kinds of treatments you can avail overseas.

You are financially protected in case your luggage is lost or gets stolen during your trip. The compensation you are to receive willdepend on the level of cover you have opted for.

Announcements of flight delays or cancellations are enough to dampen one’s holiday spirit. If you are unable to reach your destination on time, you stand to lose the deposits that you’ve made on hotel bookings and other travel arrangements. A travel insurance policy will compensate you for all that. But make sure to read through the terms of your cancellation cover to know what all you’ll be covered for.

Travelling without insurance is never wise, you need financial security in case something goes wrong. Compare the policies of various insurance providers and settle for one that will cover all the risks at an affordable cost.

Now, carry your insurance wherever you go with the OneInsure App.

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