United India Travel Insurance

Why United India Travel Insurance?

Visiting different places may be joyful and blissful for travel enthusiasts and might come with an opportunity to make profits for business travelers. But unpredictable incidents like a missed connecting flight or a medical emergency can not only cause major financial losses but can also shake your travel plans to the core. You can avoid these situations by buying travel insurance policy that will keep you fully prepared against any adversity.

United India Insurance Company travel plans are available for international trips with a range of variants and benefits. Whether you are traveling alone, or with family, in a group or for business purposes; the company has a policy for all kinds of travelers. Moreover, the policy can also be customized based on geographic locations and needs.

Features of United India Travel Insurance

United India Insurance Company Ltd. is one travel insurance provider that provides extensive coverage and quick claim settlement procedure. Take a look at why you should consider buying travel insurance policy by the insurer:

• Options in Sum Insured: Insurer can buy plans with SI ranging from up to USD 50,000 to USD 500,000
• Online Discount:10% discount on purchasing the United India travel insurance policy online
• Cashless Hospitalization: In case of emergency, a cashless facility is available at any of the insurance provider’s network hospital
• Automatic Policy Extension: In case of a delay caused by factors beyond the insurer’s control, the travel insurance policy will be extended for up to 7 days
• Plans for everyone: Single as well as multi-trip travel insurance policies available
• Renewal Benefit: There are options to renew some United India travel insurance policies like in case of Corporate Frequent Traveler as well as those having Employment and  Studies travel plan

Things to know about United India Travel Insurance

Travel Insurance Plans offered by United India Insurance Company Ltd

These are comprehensive travel insurance plans by United India Insurance Company Ltd. that provide protection to the insured traveling outside India. They provide a blanket cover to the insured travelers protecting them against uncertainties including medical treatment expenses, personal liability, and flight-related issues amongst others.

Given below are the different travel plans offered by United India Insurance Company Ltd. depending on the geographic location and purpose of traveling abroad:

The overseas travel insurance plan has the following plan variants to suit the needs of different travelers. These plans have been briefly discussed below:

Inclusions under the United India Travel Insurance Plan

An insured traveler will be covered for the following benefits under their United India Travel Insurance policy:

• Medical Expenses & Repatriation: The insurer will cover any expenses incurred due to a sudden illness or accidental injury of the insured during his international trip. It will comprise the cost of emergency ambulance services and dental treatment for acute pain relief. It also includes the cost of transporting the mortal remains of the insured back to the home country
• Personal Accident: The insurer will pay compensation to the insured or his family if an accident of the insured results in his death or disability
• Loss of Check-in Baggage: The insurer will pay for the losses incurred by the insured if the airline with which he was traveling loses his check-in baggage. However, it does not cover for any partial damage or loss of the baggage
• Loss of Passport: In the event of loss of passport of the insured during his international travel, the insurer will pay the actual expenses incurred in arranging duplicate travel documents and getting a duplicate or new passport
• Personal Liability: If the insured becomes legally liable to pay for the damages or bodily injuries caused to a third party person or property in the foreign country, the United India Travel Insurance plan will cover the amount on behalf of the insured traveler
• Trip Delay: The insurer will reimburse for the losses incurred by the insured if his flight gets delayed for more than 6 hours from its scheduled time. It will also cover any additional expenses including accommodation costs unless the travel becomes possible for the insured
• Trip Cancellation: In case the insured’s trip gets canceled, the insurer will reimburse the losses incurred towards unused accommodation and travel bookings
• Hijack Cover (Common Carrier): In the event of a hijack of the common carrier in which the insured is traveling, your United India travel insurance policy will pay distress allowance to the insured traveler
• Missed Connection: The insurer will reimburse the losses incurred in the event of a flight delay of more than 12 hours resulting in the insured missing his connecting flight
• Hospital Daily Allowance: The insurer will give a daily allowance to cover day-to-day expenses incurred by the insured on being hospitalized due to an illness or an accident
• Emergency Reunion Expenses: The insurer will pay for the flight ticket, travel, and accommodation for one immediate family member of the insured in case the insured needs to be medically evacuated. This coverage is offered under the Employment & Studies plan only
• Contingency Insurance: You will receive compensation if the insured student cannot continue with his studies abroad due to an illness or injury resulting in his death, permanent total disability, or loss of sight

Exclusions under the United India Travel Insurance Plan

Before proceeding to buy a travel insurance plan, it is important to be aware of the things that the policy does not cover. The insurer does not cover any claims arising out of the following:

• Insured’s treatment for a pre-existing disease
• If the insured had directly participated in a civil commotion or riots
• Any illness or injury caused to the insured traveler due to Suicide or attempt to suicide
• Abuse, addiction or dependency of alcohol or drugs, mental disorders, stress, anxiety or depression (Not excluded in Employment and Studies plan)
• Any injury, illness, or loss incurred due to the insured’s participation in Naval, Military, or Air Force operations
• United India travel insurance plans do not cover any claim arising out of –
  • War, acts of an enemy country, invasion, hostilities
  • Civil war, revolution, rebellion, insurrection
  • Nationalization or confiscation of a property by the local authority or government causing damage or loss to the insured
  • Nuclear or ionizing radiation as well as toxic radioactive properties of an explosive nuclear component
• Any loss resulting due to the illness, treatment, or death caused by HIV or AIDS or both
• Any illness or injury caused to the insured due to performing manual work or having a hazardous occupation and engaging in an illegal or criminal activity
• The insurer will not cover any expenses incurred on any treatment related to pregnancy
• Any legal suit or action caused by one of the family member’s of the insured
• Any loss or damage caused due to detention or confiscation by the customs officials and other authorities
• The insurer will not cover any loss or damage caused if the insured had been under the influence of alcohol, drugs, and other hallucinogenic substances or intoxicants

How to Enroll in United India Travel Insurance Plans?

You can enroll in different overseas travel insurance plans through multiple channels online as well as offline. Take a look at the procedure to buy a United India travel insurance policy below:

Online Process:

The plans can be purchased online by visiting the website of Policybazaar Insurance Broker Private Limited. Customers can also buy it from the website of the insurance company. Follow the steps to buying the policy online below:

• Visit the official website of Policybazaar.com
• Go to the icon of ‘Travel Insurance’   
• Enter the details of the trip, including trip destination, travel dates, etc.
• Provide other requested details, such as the age of the travellers
• Choose a United India travel insurance plan from the list of plans available
• Pay the travel insurance policy premium online
• A United India travel insurance policy will be issued within two minutes.

Make sure to compare different travel insurance plans at Policybazaar.com before buying a plan.

Offline Process:

You can also apply for a United India travel insurance policy offline by following these instructions:

• Individuals can simply call the helpline number of Policybazaar Insurance Broker Private Limited at 1800-708-8787 and express their desire to buy a travel insurance policy to the customer service representative
• People can visit the United India Insurance Company’s nearest branch to buy the policy
• In addition, they can also get in touch with an insurance agent to buy the plan.

In case of any confusion, customers can write to Policybazaar Insurance Broker Private Limited at care@policybazaar.com

How to file a Claim under United India Travel Insurance Plan?

The responsibility of an insured traveler doesn’t end with buying a travel insurance policy. You should also be aware of the claim procedure of your travel insurance provider in order to make a claim. Take a look at how you can file a travel insurance claim under United India travel insurance plans:

Cashless Claims Registration

Cashless claim facility can be availed at many network hospitals under United India Insurance Company Ltd.

• Inform the insurer about your hospitalization and the hospital staff about your travel insurance policy
• A pre-authorization letter should be sent to the service provider of the insurer
• The provider will verify your policy coverage and send a pre-authorization letter to the hospital
• Receive the treatment and get discharged
• The Service Provider will make the payment of hospital bills directly to the hospital