General Insurance · verified 5 September 2026

Travel Insurance

Medical and journey protection from departure to return.

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What is travel insurance?

Travel insurance bundles emergency medical assistance with selected trip, baggage, passport and liability benefits. It is especially important overseas because treatment and evacuation can be expensive, and some visas require minimum medical cover. Buy before travel and match dates, destination and traveller details exactly.

Plain-language guide

Important terminology with examples

Definitions are educational summaries. The issued policy wording and schedule control every claim.

Trip duration

The insured travel period shown on the schedule.

Example: A claim outside the scheduled dates may not be covered.

Medical emergency

Eligible overseas treatment for a sudden illness or injury.

Example: Planned treatment and known conditions are usually restricted unless stated.

Medical evacuation

Transport to an appropriate medical facility when medically necessary.

Example: Assistance-company approval is usually required.

Repatriation

Returning mortal remains or, where covered, the insured person to India.

Example: The assistance provider coordinates the process under limits.

Deductible

The first part of each admissible claim paid by you.

Example: A USD 100 deductible means the insurer considers the eligible amount above USD 100.

Trip cancellation/interruption

Specified non-refundable losses after a listed event prevents or cuts short travel.

Example: Changing your mind is not normally covered.

Baggage delay/loss

Fixed or actual-cost benefit under limits for delayed checked baggage or permanent loss.

Example: Keep airline PIR, tags, receipts and delay proof.

Passport loss

Reasonable defined costs to obtain an emergency replacement.

Example: Police and embassy reports are normally required.

Pre-existing condition

A medical condition existing before the policy, often excluded or narrowly covered.

Example: Declare it and read emergency-only clauses.

Geographical scope

Countries or region selected in the policy.

Example: A Schengen plan must also satisfy visa limits and territorial rules.

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Companies offering relevant covers

Open a company page to review current plan families, eligibility guidance, coverage, exclusions and official documents.

National Insurance

Overseas Mediclaim

Travel Insurance

What is travel insurance?

Important terminology with examples

Trip duration

Medical emergency

Medical evacuation

Repatriation

Deductible

Trip cancellation/interruption

Baggage delay/loss

Passport loss

Pre-existing condition

Geographical scope

Companies offering relevant covers

National Insurance

The New India Assurance

The Oriental Insurance

United India Insurance

ACKO General Insurance

Bajaj General Insurance

Cholamandalam MS General Insurance

Generali Central Insurance

Go Digit General Insurance

HDFC ERGO General Insurance

ICICI Lombard General Insurance

IFFCO Tokio General Insurance

IndusInd General Insurance

Liberty General Insurance

Magma General Insurance

Navi General Insurance

Raheja QBE General Insurance

Royal Sundaram General Insurance

SBI General Insurance

Shriram General Insurance

Tata AIG General Insurance

Universal Sompo General Insurance

Zuno General Insurance

Zurich Kotak General Insurance

Aditya Birla Health Insurance

Care Health Insurance

Galaxy Health Insurance

ManipalCigna Health Insurance

Niva Bupa Health Insurance

Star Health and Allied Insurance

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Correct insured

Full disclosure

Coverage limits

Exclusions

Claims process

Official wording

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