Travel Insurance - An Overview

Travel insurance is a type of insurance policy designed to cover the financial risks and losses you may face while travelling. It provides protection against unexpected events such as trip cancellations, medical emergencies, lost luggage, flight delays, and other travel-related issues. Whether you are travelling domestically or internationally, having a travel insurance policy ensures peace of mind and financial security during your journey.

Fastzeal offers an easy-to-use platform to compare and purchase travel insurance plans from top insurers, helping you find the most suitable coverage for your travel needs with competitive premiums and hassle-free claim support.

Types of Travel Insurance Policies

There are several types of travel insurance policies to suit different kinds of travellers and trips:

Single Trip Travel Insurance

Covers a single trip for a fixed duration. Ideal for occasional travellers who take one trip per year.

Annual Multi-Trip Insurance

Provides coverage for multiple trips within a year, perfect for frequent travellers and business professionals.

Domestic Travel Insurance

Specifically designed for travel within India, covering medical emergencies, trip delays, and luggage issues during domestic trips.

International Travel Insurance

Covers travel outside India with extended benefits such as international medical treatment, repatriation, and multi-country coverage.

Student Travel Insurance

Tailored for students going abroad for education, covering tuition fee protection, medical expenses, and repatriation.

Senior Citizen Travel Insurance

Designed for travellers above 60 years of age, including coverage for pre-existing ailments and higher medical limits.

What are the Benefits of Travel Insurance?

Travel insurance offers multiple benefits that safeguard you from unforeseen travel disruptions and expenses. The key benefits include:

• Medical Expense Coverage: Covers emergency medical treatment and hospitalization abroad or within India.
  
  

• Trip Cancellation and Interruption: Reimburses non-refundable trip costs if you need to cancel or cut short your travel due to illness, natural disasters, or other valid reasons.
  
  

• Lost or Delayed Baggage: Compensation for lost, stolen, or delayed baggage and personal belongings.
  
  

• Travel Delay Protection: Covers expenses due to delayed flights or missed connections.
  
  

• Personal Liability: Protects against claims if you cause accidental injury or damage to a third party while travelling.
  
  

• Emergency Evacuation and Repatriation: Covers the cost of emergency evacuation to a medical facility or repatriation to your home country.
  
  

• 24/7 Assistance Services: Access to round-the-clock emergency assistance for medical, legal, or travel support.
  
  
  

Eligibility Criteria for Travel Insurance

To be eligible to purchase travel insurance through Fastzeal, applicants should meet the following conditions:

• The applicant must be a resident of India.

• Age of the traveller generally ranges from 18 to 70 years (some plans cover minors and senior citizens with specific terms).

• The travel must be for leisure, business, study, or medical treatment purposes.

• The duration of the trip must be within the limits defined by the insurer (commonly up to 180 days for a single trip).

• Pre-existing medical conditions may require disclosure or might affect eligibility based on the policy.
  
  
  

Documents Required for Travel Insurance

To apply for a travel insurance policy, the following documents are generally needed:

• Valid Passport: Proof of identity and citizenship for international travel.
  
  

• Visa (if applicable): Required for certain international destinations.
  
  

• Travel Itinerary: Flight tickets, hotel bookings, and trip schedule.
  
  

• ID Proof: Aadhaar Card, PAN Card, or any government-issued identification.
  
  

• Medical Records: Required if you declare pre-existing medical conditions.
  
  

• Previous Insurance Documents: If you are renewing or porting from another insurer.
  
  
  

How to Buy Travel Insurance through Fastzeal?

Fastzeal makes purchasing travel insurance simple and convenient with an entirely online process:

1. Visit Fastzeal Website: Access the official Fastzeal platform from your device.
   
   

2. Enter Travel Details: Fill in your trip details including destination, travel dates, and purpose.
   
   

3. Compare Plans: Review and compare policies from multiple trusted insurers.
   
   

4. Select Policy: Choose the travel insurance plan that fits your travel requirements and budget.
   
   

5. Provide Traveller Information: Enter personal and travel details as requested.
   
   

6. Upload Required Documents: Submit scanned copies of your documents securely.
   
   

7. Make Payment Online: Pay your premium via debit/credit card, UPI, or net banking.
   
   

8. Receive Policy: Instantly get your insurance policy via email and access it on your Fastzeal account.
   
   
   

Key Features of Travel Insurance

Fastzeal provides access to travel insurance policies packed with comprehensive features designed to protect your journey:

• Coverage for Medical Emergencies Worldwide: Including hospitalization, surgery, and emergency treatments.
  
  

• Trip Cancellation and Interruption Protection: Safeguards your investment in case you must cancel or cut short your trip.
  
  

• Baggage Loss and Delay Coverage: Reimbursement for essential items and lost baggage.
  
  

• Flight and Travel Delay Coverage: Compensation for delays beyond insurer-specified time frames.
  
  

• 24/7 Emergency Assistance Helpline: Support for medical, legal, and travel issues.
  
  

• Coverage for Adventure Sports (Optional Add-on): Protection during activities like skiing, scuba diving, trekking, etc.
  
  

• Pre-existing Disease Cover (Optional): Available in select policies with prior declaration.
  
  

• Easy Claim Settlement: Fastzeal provides support through the claim process to ensure quick reimbursement.
  
  

These features provide travellers with a safety net and make travel insurance a valuable part of trip planning.