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The Travel Insurance Misconception You Need To Stay Away From

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By Author: Manish Mishra
Total Articles: 2
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If you think of your safety during the trip, then travel insurance is the answer. No matter how long your journey is going to be you must secure it. Well, this is quite disappointing that the majority of people are in a misconception about 'what is travel insurance'? 'Is this health insurance'? Like, what exactly travel insurance is? We know you people have many of the concerns, questions, and misconceptions regarding travel insurance that have piled up over the years. For your ease to understand, home insurance, life insurance, car insurance, two wheeler insurance, travel insurance is the same thing that tends to protect you against the unforeseen events.

A friend of ours recently got the fever and had to cancel a lot of his travel plans. The best part is he has travel insurance with his help covered the hospital costs and reimbursement. Travel Insurance is a must but a confusing topic for those who haven't purchased yet during travel. Here you will be getting answers to the common question erupting inside. Many of the people ask the same question about travel insurance.

What is travel insurance?

When things unexpectedly go wrong during travel and you don't have any other way to escape. Travel Insurance helps you cover all the unpredictable risk you may go through. You can predict it as emergency care whenever any problem occurs. A Travel Insurance Policy contains many coverages you can choose as per your requirement. But buying comprehensive coverage policy will be more beneficial for your trip safety.

Incidents like loss of luggage, any medical emergency, loss of passport, cancellation of the trip, and many more. Also, it depends on what kind of traveling you going to pursue whether it be an official trip with less risk or adventurous with higher risk. Overseas travel insurance is specially designed for unknown events you never thought could happen to you. It's an open checkbook to supplement your trip expenses.

Is travel insurance medical health insurance?
No, there is more to it than that. Travel insurance covers you entirely with loss of passport to trip cancellation and more. It contains the medical expense cover for any medical emergency during the trip like sudden illnesses, or accidents. Don't assume travel insurance as medical health insurance. People misunderstood travel cover as health insurance and it's not their fault.

Can existing illness get treated with a travel insurance policy?
No, a big no. It may be your illusion, but pre-existing illness is excluded in the policy details as per the criteria of several insurance companies. Yes, but in case you fall ill during the trip your medical bills would be reimbursed with medical expenses cover. Therefore, it is always advisable to give every detail about you and your health at the time of purchasing a travel insurance policy.
The cover provided by credit card is not adequate?

There are several facilities being provided by credit card and travel insurance is one of them. But, there are some limitations and terms and conditions which may confuse you. This confusion leads to the minimum utilization of the facility you have given, therefore, it is important to buy a travel insurance policy from a trusted insurer like Shriram general insurance.

What if a traveler got drunk and hurt himself. Is he/she covered?
Most probably not because taking alcohol or any incident related to alcohol is extremely prohibited in the protocol of insurance. This can be considered as the foolish act of a person. Your claim can be denied because of the alcohol effect. Therefore, clear this misconception before your trip starts and read each and every term and condition. So, the answer is 'NO' the traveler will not get covered for drinking and hurting himself.

How does travel insurance actually work?
While going on a trip,buy travel insurance and it will assure your safety for the entire trip. Imagine you are enjoying on the trip and suddenly you feel sick or get injured. You just have to inform your insurer with all the medical bill and important papers. The assistance team will make arrangements and approve costs for situations like day admission to hospital. Be sure you have all the required documents because that will be the only base for the claim you want.
Final Words, So, being a responsible traveler you should be alert about the policy of international travel insurance and stay away from myths and misconceptions. Always keep important details in your mind and cross-check the terms and conditions. Don't believe what people are randomly talking about travel insurance. Go and inquire directly to the insurance companies or ask to the experienced one.

More About the Author

Shriram General Insurance is one of the renowned insurance companies in India, leading ahead with the motto of ‘’Be Insured Rest Assured''. Since 2008, SGI has been establishing it’s worth and goodwill with the philosophy of serving common man (Aam Aadmi). Shriram General Insurance Co. is the joint venture of Shriram Capital Limited and Sanlam Limited (South Africa), a part of SHRIRAM GROUP. Shriram Group, a multidimensional and multilocation, Rs. 90,000 crore association began with Shriram chits in 1974, as the first venture founded by visionary Shri R. Thyagarajan. With overall 1.2 Cr. satisfied customers, the group has well played in the financial service sector along with 60,000 employees over 3000 branches and service centers.

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