In­clu­sions

Consumer Voice - - Overseas Travel Insurance Plans -

In gen­eral, what are the in­clu­sions in an over­seas travel in­surance pol­icy?

The fol­low­ing as­pects il­lus­tra­tive, not ex­haus­tive): • Per­sonal ac­ci­dent • Loss of checked-in bag­gage • De­lay in checked-in bag­gage • Loss of pass­port • Per­sonal li­a­bil­ity • Hi­jack al­lowance • Emer­gency cash • Trip can­cel­la­tion/de­lay (in­ter­rup­tion) • Missed flight con­nec­tion

Ex­pect These Ex­clu­sions

are cov­ered (list

Check which age bracket you fall un­der for cer­tain plans as age is a sig­nif­i­cant fac­tor in de­ter­min­ing pre­mi­ums.

Take­aways for Con­sumers

a) Buy a pol­icy that of­fers emer­gency cash/ hos­pi­tal daily al­lowance in case of sud­den hos­pi­tal­i­sa­tion. b) Opt for a pol­icy that has den­tal treat­ment

as one of the in­clu­sions. c) Make sure it gives you bur­glary cover at home. If you are trav­el­ling for a long time and there is no one back home, it's bet­ter to buy a plan that of­fers cov­er­age for bur­glary and pro­tec­tion of build­ing.

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