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Times Life

Lifestyle

Aishwarya Kapoor

Travel Insurance in India: What Your Policy Covers, What It Excludes and When to Buy

Insurance India IRDAI Bajaj Allianz HDFC Ergo ICICI Lombard Policybazaar Tata AIG United States Natural Disaster

What Indian Travel Insurance Actually Pays For

Every standard travel insurance policy sold in India, whether from ICICI Lombard, Bajaj Allianz, HDFC Ergo, or Tata AIG, covers a core set of risks that most buyers assume are bigger than they are. Medical emergencies abroad are the headline benefit, and for good reason: a single hospitalisation in the United States can cost between ₹15 lakh and ₹80 lakh depending on the condition. The policy pays the hospital directly in most cases, provided you call the insurer's emergency helpline before or immediately after admission.

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