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• Do I need to carry the policy along with me?
  You are advised to carry the policy along with you when traveling. This would be helpful in case of a claim.  But most important the ...
• Do I need to go to the doctors specified by travel insurance policy?
  Although there is no specified list of Doctors/Clinics/Hospitals/Labs to get the medical exam done for most of the companies, these tests are to be verified ...
• Do we need to pay upfront in case of a medical treatment and then claim, or the insurance policy will pay upfront?
  In an emergency situation where hospitalization and/or medical evacuation are required, the insurer covers these costs upfront (subject to the insured complying with the policy ...
• Do I get a discount on renewal of the policy with the same company?
  Some companies offer a renewal discount of 5% of renewal premium if there are no claims in the expiring policy period. This can be accumulated ...
• During the course of my treatment, can I change the hospitals?
  Yes it is possible to shift to another hospital for reasons of requirement of better medical procedure. However, this will be evaluated by the TPA ...
• Do the years I’ve spent driving a company car count towards my No Claims Bonus?
  The percentage of NCB earned on a vehicle owned by an institution during the period when it was alloted to and exclusively operated by an ...
• Does this policy cover medical expenses incurred due to accident?
    Yes, some companies cover medical expenses reimbursement on payment of additional premium. These expenses are payable, in case the claim is admitted under the ...
• Does Personal Accident Insurance offer coverage against terrorism and acts of terrorism?
  Yes, it offers coverage against terrorism and acts of terrorism, other terms, conditions & exclusions applicable. ...
• Does this Travel Insurance cover the required Medical Insurance overseas too?
  Yes, travel insurance plans available on our website cover medical insurance overseas too for the trip duration specified. ...
• Does Hypertension or diabetes come under pre existing diseases? The list in all policies shows critical illnesses and not hypertension or diabetes mellitus?
  This is a general list of certain specified illnesses for which most of the insurers do not provide coverage.  So, just to show you suitable ...