Know all about Travel Insurance Policies offered in India

Travelling to Schengen countries – Things you should know:

Law as per Schengen agreement does not allow procuring Schengen Visa without Travel Insurance Policy. So if you plan leisure or business trip buying Schengen Travel Insurance is must. Travel Insurance policy with a medical coverage of minimum 30,000 Euro is mandatory for obtaining Schengen Visa.

Insurance Companies is India offer Travel Insurance Policy with the advantage to visit multiple Schengen countries. 26 countries in European Zone make the Schengen Area covering majority of Europe. Schengen Area member countries are: Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, and Switzerland.

Travel insurance policy does not provide coverage for adventurous trip:

Adventurous Sports is a popular term for certain activities which often involves speed, height, a high level of physical exertion, and highly specialized gear or spectacular stunts. Travel Insurance policies offered by the Insurance Companies in India do not provide cover to the Insured customers suffering bodily Injury as a result of engaging in Adventurous Sporting Activities while Overseas during the policy period. Sporting activities such as Scuba diving, mountain climbing, para sailing, bungee jumping, rides in amusement parks, water rafting, and paragliding, are usually not covered by travel insurance policies and are termed as hazardous activities in the policy documents.

Travel insurance policy does not provide coverage for foreigners traveling in India:

Travel Insurance Policies offered by Indian insurance companies do not provide coverage for foreign travelers coming to India. Foreigners traveling to India needs to purchase the same from their country of origin.

Medical tests may be required before you purchase Travel Insurance Policy

Insurance Companies offering Travel Insurance Policies may ask the insured to go for the certain set of Medical tests if his/her age is more than the entry age specified by the policy or if the insured has declared some pre-existing medical condition.