Ways to Buy International Travel Insurance On PhonePe

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International travel insurance has become an essential requirement for foreign travel. Buying a travel plan for international trips on PhonePe is simple and can be completed in a few clicks.

Travel insurance for international trips can keep you safe from a wide range of unforeseen events. Hence, getting one for your foreign tour, be it an education trip, leisure travel, family visit, etc., is highly recommended. In modern times, you can easily purchase international travel insurance online or offline via your preferred platform or insurer. PhonePe, a well-known digital wallet and online payment app, also allows you to buy travel insurance online. Find the step-by-step guide to buying international travel insurance on PhonePe on this page.

What Is The Need For International Travel Insurance?

There are multiple reasons as to why getting travel insurance for international trips has become an essential need. Here's why you require international travel insurance;

Comprehensive protection:

Emergencies can appear in various shapes and forms and dealing with them in a foreign land during a trip can be very difficult. International travel insurance covers a wide range of unforeseen events, including medical emergencies, travel-related hassles and baggage-related inconveniences, offering elaborate protection. Its cover helps you deal with such issues and get back on track as soon as possible.

Mandatory Requirement:

While international travel insurance is not mandatory for all countries, some have made it a compulsory need. For instance, in order to obtain a Schengen Visa, individuals are required to have valid international travel insurance with medical coverage of a minimum of 30,000 euros. Countries where international travel insurance is mandatory include Germany, France, Italy, Portugal, Spain, Cuba, Jordan, Qatar, Turkey, etc.

Good Financial Choice:

Medical care in foreign nations is very expensive. Additionally, dealing with unanticipated baggage and journey-related hassles can have a serious impact on your personal finances. The financial assistance offered under international travel insurance can help you deal with such emergency expenses, keeping your trip budget intact.

Smooth Travel Experience:

The perfect trip is where you are able to get the intended travel experience without facing any hurdles. However, instances of unforeseen events on an international trip are much too common and being unprepared can cause additional trouble. With international travel insurance, you can resolve such problems in a quick and appropriate manner and continue your journey.

What Does International Travel Insurance Cover?

Though it depends on the insurer, an international travel insurance policy usually offers coverage for;

Medical Emergencies

International travel insurance covers medical emergencies like hospitalisation, OPD treatment, room rent, emergency medical evacuation, medical repatriation, road ambulance costs, emergency dental expenses, accidental death, etc.

Journey-Related Issues

Journey-related issues like flight delays and cancellations are annoying and can happen to anyone. Travel insurance offers reimbursement for it, letting you meet any essential additional expenses caused by it. Also, travel insurance can cover things like trip delay & cancellation, trip curtailment, loss of passport & international driving licence, missed flight connection, hijack distress allowance, personal liability, etc.

Baggage-Related Hassles

Instances of baggage-related hassles on a trip are more common than you think. The travel insurance also covers such issues, including checked-in baggage loss, checked-in baggage delay, theft of baggage & its contents, etc.

What Does International Travel Insurance Not Cover?

Generally, international travel insurance does not offer coverage in case of;

1. Breach of law: Health problems arising due to war or breach of law are not covered.
2. Pre-existing illnesses: The policy doesn't cover medical expenses related to health conditions that existed prior to the purchase of the policy.
3. Intoxication: Substance-related incidents are not covered under the policy.
4. Self-inflicted injuries: In case of hospitalisation or medical expenses caused by self-inflicted injuries, the policy doesn't entertain any claim.
5. Obesity & cosmetic treatment: Expenses for obesity and cosmetic treatments are not included under the policy.

How To Buy International Travel insurance On PhonePe?

To buy international travel insurance on PhonePe, you can use their official application. Here's how to buy international travel insurance on PhonePe via the app;

1. Open the PhonePe app and log in with your mobile number,
2. Scroll down to the "Insurance" section and tap on "View All",
3. Navigate to the "Other Insurances" tab and click on "Travel Insurance",
4. Enter the name of the country you are planning to visit or pick from the list, and press "Next",
5. Select the start and end date for the trip and press "Next",
6. Choose the number of travellers and click on "Get Quote",
7. Choose the sum insured amount per traveller and select a plan from the available insurers,
8. Provide your primary contact details and the details of the traveller and medical history,
9. Review the plan, click on "Buy" and complete the online payment via UPI, Credit Card or Debit Card,
10. Finally, after successful payment completion, the details of the travel insurance will be sent to you on your registered email.

With these select few steps and some minutes of your time, the process of buying international travel insurance on PhonePe will be complete.

What Are The Types Of International Travel Insurance?

International travel insurance is available for people of all ages. The age criteria for eligibility for certain policies may vary from insurer to insurer, so make sure to go through the policy details carefully. The main types of international travel insurance offered by insurance companies in India are;

Travel plan for individuals:

If you are going on a solo international trip, you can opt for the individual travel insurance plan. It will act as your trusted companion, offering coverage against medical, baggage and journey-related emergencies.

Travel Plan For Families:

This plan is designed for families, covering your family members during the trip under one travel insurance policy.

Travel Plan for Senior Citizens:

The elderly are more susceptible to medical troubles due to their age and health conditions. The senior citizen travel insurance is specially designed for them, offering coverage for medical, baggage and journey-related emergencies during the trip.

Travel Plan for Students:

This plan is for students planning to pursue higher studies abroad. Alongside emergency medical and baggage-related cover, it offers coverage for stay-related hassles like personal liability, bail bonds, sponsor protection, study interruption, compassionate visits, etc.

Travel Plan For Frequent Fliers:

If you go on multiple international trips in a year, investing in a frequent flier plan would be a great fit. It is an annual plan, covering multiple journeys in a year.

Things To Remember When Buying International Travel Insurance On PhonePe?

When buying international travel insurance on PhonePe, make sure to consider the following points;

1. Evaluate the purpose of your trip and invest in a type of international travel insurance that suits it.
2. Compare policies and premium prices across different insurers before finalising a plan.
3. Consider the sum insured for the travel plan carefully as a higher sum insured will offer better coverage but will also lead to a higher premium.
4. Check the claim settlement ratio of the insurer before buying a plan. A higher CSR indicates that the insurer is more likely to settle the claim.
5. Additionally, check the built-in features, benefits, policy inclusions and exclusions, and claim settlement procedure of international travel insurance.

Conclusion:

This sums up the step-by-step guide to buying international travel insurance on PhonePe. Getting travel insurance is a very wise financial decision and can help keep your travel smooth sailing. It is mandatory in some countries and buying one involves going through a few easy online steps.

Disclaimer: The above information is for illustrative purposes only. For more details, please refer to the policy wordings and prospectus before concluding the sales.