National Insurance Travel Insurance

National Travel Insurance: Inclusions

Travel insurance policies by National Insurance covers the insured traveller for the following risks:

• Medical Illness- The treatment cost of any illness or disease diagnosed during the international trip will be covered under the overseas insurance policy by National Travel Insurance.
• Medical Evacuation- In case the insured needs to be evacuated to a hospital or medical healthcare provider, the cost will be borne by the insurer.
• Repatriation of Mortal Remains- National Insurance will cover the expenses incurred on transporting the mortal remains of the insured traveller back to India, in case of his untimely death abroad.
• Emergency Dental Treatment- Any expenses incurred on the treatment for emergency dental relief will be covered by the insurer. This cover is only available under the Worldwide excluding USA/ Canada plan of the Overseas Mediclaim Holiday and Business policy.
• Personal Accident & Permanent Disablement- National Travel Insurance covers the expenses incurred on the treatment of any injury or illness arising out of any accident. It also provides compensation to the insured in case the accident causes permanent disability.
• Loss of Checked-in Baggage- It provides compensation to the insured in case his check-in baggage is misplaced or lost by the scheduled airline with which he was travelling.
• Delay of Checked-in Baggage- The insurer will reimburse the expenses incurred on the purchase of essential items such as medicines, toiletries, clothes, etc., in case the check-in baggage of the insured has been delayed by the scheduled airline for more than 12 hours.
• Personal Liability- National Travel Insurance will cover any legal liability of the insured traveller resulting due to causing property damage or bodily injury to any third party during his international trip.
• Loss of Passport- In case the insured loses his passport during his international trip, the insurance provider will indemnify the expenses incurred on obtaining a new or duplicate passport.
• Medical Emergency Reunion- If the insured student gets hospitalized due to medical illness or accidental injury for several days, the insurer will cover the travel cost of one of his immediate family members coming to visit him.
• Contingency Insurance- In case the sponsorship of the insured student immediate comes to an end, National Travel Insurance will compensate the student for each month of completed studies.

National Travel Insurance: Exclusions

National Travel Insurance does not cover the below-mentioned situations and events:

• Pre-Existing Diseases - It does not cover the expenses incurred on the treatment of any pre-existing diseases or any disease diagnosed before the commencement of the trip.
• Defying Doctor’s Advice- The insurer will not cover the insured in case he is travelling abroad against his doctor’s advice.
• Medical Treatment- In case the insured is travelling abroad to obtain any medical treatment, including routine check-ups, National Travel Insurance will not cover the cost.
• Participation in Defence Operations- Any claims arising out of the insured’s participation in an Army, Airforce or Naval operations will not be covered by the insurer.
• Self-Inflicted Injuries- In case the insured traveller harms himself or causes any self-inflicted injuries, including suicide or attempt of suicide, the treatment cost will not be covered by the insurance provider.
• Use of Intoxicants- Any claims arising out of the insured consumption or abuse of intoxicants such as alcohol or drugs will be excluded under National Travel Insurance policies
• Mental Disorder- The insurer will not cover any expenses incurred on the treatment of any mental disorder of the insured traveller/ student
• HIV, AIDS- The treatment cost of any illness related to HIV or AIDS will not be covered by the insured.
• Adventure Sports- Any claims arising out of the insured traveller's participation in adventure sports such as skiing, scuba diving and mountaineering will not be covered by National Insurance.

How To Enroll In National Travel Insurance Plan?

Travel insurance plans offered by National General Insurance Company can be bought online as well as offline. Follow the process given below to purchase a National Travel Insurance plan:

Online Process:

There are several ways to enroll in the Nationa travel insurance policy. You can do it on the Policybazaar Insurance Brokers Private Limited official website. Also, you can do it on the National Insurance Company’s official website. For more details, you can either send an eail to us at care@policybazaar.com or talk to our experts at 1800-708-8787. You can follow the steps mentioned below for better understanding:

• Visit the National insurance company website or an online insurance aggregator’s website.
• Look out for the travel insurance policy option on the official website or type National travel insurance on the aggregator’s website
• Enter the details required like the number of people to be insured, destination country, etc.
• Read the details of the plans like inclusions, exclusion, claiming process, etc. before enrolling yourself.
• It will show you the plans available.
• Click on the travel insurance plan of your choice.
• You will be required to submit the specific documents required to purchase the plan.
• Submit the soft copy of the documents required.
• Now you will see online payment options available.
• Click on the payment option and pay the premium amount of the insurance plan of your choice
• The insurance company will issue the insurance plan.
• You will get a confirmation mail on your email ID and a message on your registered mobile number.

Offline Process:

There are multiple ways of buying a National Travel Insurance policy offline. They are as follows:

• To purchase the travel insurance plan of your choice online, you will have to go to the National Insurance company’s office.
• You can also call the National insurance company office and ask them to send a agent.
• Ask them for the plans provided by them.
• Then fill up the form properly.
• You will have to attach the required documents to initiate the enrolling process
• You will have to provide documents verifying identity and address.
• Submit the duly filled form.
• Once the documents are verified the company will issue the policy.
• You will get the confirmation email on your email ID as well as a message on your registered mobile number.

You can learn more about the travel insurance plans and compare them online at Policybazaar.com