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Travel insurance

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Travel insurance covers medical emergencies and trip problems while you travel, such as delays, cancellations and lost baggage, up to the limits in the policy.

Types of travel insurance

InternationalMedical and trip cover abroad; some countries ask for it with a visa.
DomesticTrip cover within India.
StudentLonger cover for study abroad.
Multi-tripOne policy for many trips in a year.
Senior citizenPlans for older travellers.
SchengenCover meeting the Schengen visa conditions.

What is usually covered, and what is not

Usually covered
  • Medical emergencies abroad, up to the limit
  • Trip delay or cancellation, as listed
  • Lost or delayed baggage and passport, as listed
Usually not covered
  • Pre-existing illness unless covered
  • Adventure sports unless added
  • Travel against medical advice

Your policy wording decides. Read it before you buy.

Check these before you buy

Medical limitHigh enough for the country you visit.
Pre-existing illnessCovered or not.
DeductiblesYour share of each claim.
Visa needsSome countries set minimum cover.
Emergency helplineSave the number before you travel.
Claim time limitsReport losses quickly and keep receipts.

Why claims get refused

ReasonWhat it meansWhat to do instead
Pre-existing illnessTreatment linked to an undeclared conditionDeclare conditions when buying
No proofReceipts or reports missingKeep every bill, report and airline letter

How to claim

1
Call the helpline
For medical emergencies, call the insurer’s assistance number first.
2
Collect proof
Bills, medical reports, airline and police reports.
3
File the claim
Within the time the policy sets.

Official guide: IRDAI, making a claim.

Insurers that sell general cover

Names only, A to Z. Tap one for its own claims, complaints and solvency record.

Acko General InsuranceAgriculture Insurance Company of IndiaBajaj Allianz General InsuranceCholamandalam MS General InsuranceECGCFuture Generali India InsuranceGo Digit General InsuranceHDFC ERGO General InsuranceICICI Lombard General InsuranceIFFCO Tokio General InsuranceKshema General InsuranceLiberty General InsuranceMagma HDI General InsuranceNational InsuranceNavi General InsuranceRaheja QBE General InsuranceReliance General InsuranceRoyal Sundaram General InsuranceSBI General InsuranceShriram General InsuranceTata AIG General InsuranceThe New India AssuranceThe Oriental InsuranceUnited India InsuranceUniversal Sompo General InsuranceZuno General InsuranceZurich Kotak General Insurance

Frequently asked questions

Is travel insurance compulsory?

Not by Indian law, but some countries need it for a visa.

Does it cover COVID or other illness?

Only as the policy wording states; check before you buy.

Education only. MyFinanceBandhu is not an insurer, insurance broker or web aggregator, does not sell, quote or recommend insurance, and earns nothing from it. Insurers are listed A to Z, never ranked. Claim figures come from IRDAI’s Handbook on Indian Insurance Statistics 2024-25. Your policy wording is what decides any claim: read it before you buy. Complaints: insurer’s grievance officer, then IRDAI’s Bima Bharosa, then the Insurance Ombudsman.