Travel Health Insurance

Travelling abroad is exciting. But an unexpected medical emergency in another country can turn the entire trip upside down. Medical care outside India can be extremely expensive. Even a simple check-up or basic treatment can cost several times more than what it would in India. More serious medical issues, emergency hospitalization, or accidents can lead to bills that can easily affect your savings.

Travel Health Insurance saves you from all this stress. It gives you financial protection if you fall sick, get injured, or face a medical emergency when you are outside India. It also helps with travel-related issues such as trip delays, lost baggage, loss of passport, and emergency evacuation.

OneAssure helps you understand, compare, and select the right Travel Health Insurance plan so you can travel with complete peace of mind.

This page explains everything you need in simple language so you can make a confident decision before your next trip.

Travel Health Insurance is a policy designed to protect you against medical and travel-related emergencies while travelling outside your home country. It covers situations such as:

1. Illness or injury during travel
2. Emergency hospitalization
3. Accidents
4. Medical evacuation
5. Loss of passport
6. Loss or delay of checked baggage
7. Trip cancellation or interruption
8. Personal liability
9. Emergency dental treatment
10. Medical repatriation

It is one of the most essential documents to carry when travelling abroad. Many countries even make it compulsory for entry, especially for student visas and Schengen countries.

Travel Health Insurance ensures that your trip stays enjoyable, safe, and financially stress-free.

Travelling abroad comes with several unknowns. While you may plan everything perfectly, certain situations are out of your control. Medical emergencies, travel delays, or lost baggage can happen anytime.

Here is why getting travel health insurance is important:

Travel insurance can feel confusing because every country has different requirements. Medical limits vary. Benefits vary. Documents vary. That is why OneAssure makes the process simple.

Here’s how OneAssure helps:

Most travel health insurance plans cover:

1. Emergency hospitalization
2. Diagnostic tests
3. OPD treatment
4. Medical evacuation
5. Accidental injuries
6. Dental emergencies
7. Baggage loss
8. Baggage delay
9. Passport loss
10. Trip cancellation
11. Trip delays
12. Missed connections
13. Personal liability
14. Repatriation
15. Emergency return to home country

Always check your policy document for exact details.

Travel health insurance does not cover everything. Common exclusions include:

1. Pre-existing diseases unless specifically covered
2. Traveling against medical advice
3. Self-inflicted injuries
4. War or terrorism-related events
5. High-risk adventure sports (unless covered)
6. Cosmetic procedures
7. Traveling for medical treatment
8. Loss of items not checked in
9. Illegal activities
10. Under-influence accidents

OneAssure explains exclusions clearly before you buy the plan.

Premium varies based on:

1. Age of traveller
2. Country of travel
3. Duration of travel
4. Number of travellers
5. Type of coverage
6. Medical history
7. Single trip or multi-trip policy

High-risk countries and long-duration trips usually have higher premiums.

A. For Medical and Hospitalization Claims

1. Inform the insurer or assistance company immediately.
2. Share documents such as medical reports, bills, passport copy, and travel proof.
3. Insurer reviews and verifies.
4. Claim is settled directly with the hospital or reimbursed later.

B. For Baggage or Travel-Related Claims

1. Report lost or delayed baggage to the airline.
2. File a Property Irregularity Report.
3. Submit documents to the insurer.
4. Insurer processes compensation.

C. For Passport Loss Claims

1. File a local police report.
2. Visit the Indian Embassy or Consulate.
3. Submit the required paperwork for claim compensation.

OneAssure ensures all documentation is correctly submitted so the claim is processed faster.

People choose OneAssure because:

1. We are transparent and unbiased
2. We simplify insurance terms
3. We understand global travel requirements
4. We guide you with complete clarity
5. We provide free assistance
6. We support you during claims
7. We prioritise your safety and convenience

Our goal is to make your travel safe, smooth, and stress-free.

Here are important points to consider:

1. Choose a coverage limit based on your destination
2. Check medical coverage in USD or Euros
3. Understand evacuation and repatriation limits
4. Check baggage and trip-related benefits
5. Confirm age limits
6. Check if pre-existing diseases are covered
7. Review country-specific requirements
8. Compare premiums and benefits carefully
9. Ask for claim support availability
10. Ensure 24x7 international assistance

OneAssure advisors guide you through each step.

If you want wider coverage, you can choose add-ons such as:

1. Adventure sports cover
2. Maternity benefit
3. Home burglary insurance
4. Laptop or gadget protection
5. Travel inconvenience allowance
6. Higher medical limit
7. Pre-existing disease coverage (if available)

These add-ons improve the policy’s protection.