Questions in General

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• Is there any tax benefit like 80D available on overseas mediclaim policies?

  No, overseas mediclaim policies do not have 80D tax benefits.
  1415 views
• Can we purchase insurance policy for more than 182 days in the first instance (instead of extension) as the VISA and Passport are valid upto 2022?

  No, single trip travel insurance is available for 180/182 days only and can be further extended 7-10 days before expiry
  3294 views
• 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,
  3297 views
• Policy summary lists coverage as $50,000 (deductible US$100). How is the deductible calculated? For the whole policy duration? For each illness/event? Or for each individual expense?

  Deductible is for each individual claim/illness/event and not for the entire policy duration. 
  1405 views
• Who is the “Medical Advisor” who has to approve all medical expenses before coverage is approved for each event?

  That would be the TPA (third Party Administrator) for the insurer. The contact details of the TPA would be printed on
  2424 views
• How is the premium to be paid? If we pay by credit card, do you accept payment via a USA credit card?

  The premium can be paid through credit card, debit card or netbanking. Some of the payment gateways accept international cards
  1371 views
• What are the extra charges for including baggage in the travel insurance?

  Loss and delay of Baggage is included in almost all of the travel insurance plans up to the specified limits. Please click
  3542 views
• What comes under life threatening conditions?

  Any medical emergency that may threaten the life of the insured would be considered a life threatening condition. Life Threatening Medical Condition means
  1981 views
• My parents are visiting me in USA. They plan to stay for 5 months but may have to go back earlier. In this case, will I get a refund of the money I paid for travel insurance for the remaining period?

  You must select a plan with ‘refund on early return’ benefit. Then, if your parents have to return early and there has
  2893 views
• We need to buy 10 travel insurance policies, but offline. Can someone come to the office and help us with the purchase?

  You can give us a call at 8010228899 and our customer care executive will be happy to assist you. It is
  4125 views

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Travel Insurance