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To catch fans of cricket fever traveling to UAE for the Champions Trophy, an important aspect that is often ignored is travel insurance. Whether it is a medical emergency, lost goods, or legal troubles, a good travel insurance policy can be a game-changer.
Vivek Chaturvedi, Chief Marketing Officer and head of direct sales in Go Digit General Insurance, emphasizes that travel insurance serves as a financial security trap.
“The cost of hospitalization can be very high. Travel insurance protects you from unexpected exclusions, ensuring that you get the necessary treatment without financial stress,” they say.
For example, if someone falls ill or injured, their policy can cover the hospital stay, treatment and even emergency medical withdrawal. It also includes accidents including expenses related to disability.
Additionally, trip dispenses such as flight delays, missed connections and insurance protection measures against lost goods.
“Losing your passport or luggage can be a bad dream. Travel insurance helps reduce the financial impact of theft or theft,” says Chaturvedi.
Protection against accidents and adventure activities
The thrill of live matches also brings some risk. A stray cricket ball is being hit in the stand.
Travel insurance covers medical expenses for such unexpected injuries.
“If a ball hits you during the game, your required treatment will be covered,” says Chaturvedi.
Beyond the accident of the stadium, many fans detect adventure activities such as desert safari and skidiving. Some travel policies, such as the international travel plan of digit, provide coverage for such activities until they run more than 24 hours.
However, not all insurers include adventure activities in their policies.
“Always read the policy document to understand exclusion and coverage,” he advises.
Legal protection in a strict regulatory environment
The laws in the UAE are tough, and even inadvertently unknowingly legal issues may result in heavy fines or legal proceedings.
Travel insurance can help cover legal costs and compensation in case of third-party injury or property damage.
“If you are involved in a trial, insurance can provide necessary legal aid, until proved to be guilty. Legal expenses in the UAE may be high, so taking a plan with such coverage is a good idea. , “Chaturvedi Note.
A look at some plans
Many people believe that travel insurance is expensive, but inexpensive options exist.
“Travel insurance for Asian countries like UAE is usually cheaper than Schengen nations or America,” says Chaturvedi.
For example, the points double Secure Asia Plan, provide cost -effective coverage.
For people engaged in adventure sports or with pre -existing medical conditions, comprehensive plans, such as double secure plus, provide additional coverage.
A $ 100,000 insured amount costs for a 35 -year -old (including 830 (including GST), covering the scheme, adventure activities and medical expenses.
A list of some travel policies available in India is given here:
| insurance provider | Name of the available scheme |
| Apollo Munich | Easy Travel- Senior Citizen Easy Travel-Family Easy Travel- Easy Easy Easy Travel- Multi-Trip Educare- Student Travel Scheme |
| Bharti Axa | Personal Travel Insurance Family Travel Insurance Student Travel Insurance |
| Bajaj Eliyanz | Personal Travel Insurance Family Travel Insurance Student Travel Insurance Tour Asia Senior Citizen Scheme Corporate Travel Insurance Policy |
| HDFC erro | Personal travel insurance family travel insurance |
| Cholamandalam | Domestic Travel Insurance Policy Chola Foreign Travel Protection Policy Senior Citizen Insurance Policy Chol Corporate Travel Day Chola Students Travel Protection Scheme |
| Future | Foreign Travel Insurance Schengen/Travel Insurance Students Travel Insurance worldwide |
| ICICI Lombard | Senior Citizen Insurance Policy International Travel Insurance Travel Insurance- Gold Multi-Trip |
| Nivi Bupa | Travel -plan |
| Ifco Tokio | Overseas Travel Insurance Pravasi Indian Insurance Policy |
| New India assurance | Suhana Safar Policy Foreign Mediclaim Policy- For those who fly continuously |
| Dependence | Asia Travel Insurance Schengen Travel Insurance Students Travel Insurance Foreign Travel Insurance Senior Travel Insurance |
A look at exclusion
While travel insurance provides strong protection, exclusion exists. Policies may contain sub-limit on medical expenses, coverage capping, ICU stay and ambulance fees for surgery.
Pre -existing conditions and extreme adventure activities cannot be covered under basic schemes.
Also read Travel Insurance Checklist: List of countries where it is mandatory and tips to know
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