Compare major providers, understand what student/senior/family plans cover, and know the claim process before you need it.
Longer coverage terms (often 1–4 years), usually required by the university/visa office, covering routine and emergency medical care.
Higher premiums reflecting age-related medical risk; check pre-existing condition coverage carefully before buying.
Single policy covering all family members on the same trip — usually cheaper than individual policies per person.
Single-trip cover for holidays or business travel of a few days to a few weeks.
Schengen visas require a minimum €30,000 medical cover — some destinations have their own minimums too.
Many plans exclude or limit cover for pre-existing conditions — read the waiting period and exclusions carefully.
Check whether your destination has cashless-network hospitals under the plan, or if you'll need to pay and claim reimbursement.
Contact the 24x7 assistance number on your policy card before seeking treatment where possible.
Ask the hospital to verify your policy directly with the insurer's network desk.
Medical reports, bills, receipts and police reports (for theft/loss) are all needed for reimbursement claims.
Most insurers require claims to be filed within a set number of days of returning — check your policy document.
Browse TripPaisa's full guides library — insurance, forex, visa and study-abroad references in one place.