Like every other insurance policy, travel insurance has become the need of the hour if you are travelling to a foreign land either for purpose of business or leisure. Since there are many travel insurance plans issued by the Insurance provider, one such plan is Asia Travel Insurance Plan.
It is insurance for people who are travelling to any Asian country for the purpose of vacation or business and such a plan has to be bought to be on the safer side to avoid any eventualities faced during the course of the travels.
The plans covers travel to following countries: Armenia, Azerbaijan, Bahrain, Bangladesh, Bhutan, Brunei, Burma (Myanmar), Cambodia, China, Hong Kong, Indonesia, Iran, Iraq, Israel, Jordan, Kazakhstan, Kuwait, Kyrgyzstan, Laos, Lebanon, Malaysia, Maldives, Mongolia, Nepal, Oman, Pakistan, Philippines, Qatar, Saudi Arabia, Singapore, Sri Lanka, Syria, Taiwan, Tajikistan, Thailand, Turkey, Turkmenistan, UAE, Uzbekistan, Vietnam, Yemen.
Many travel insurance providers issues separate insurance is the trip if being taken to Japan.
Any Indian citizen, between the age of 6 months to 70 years travelling within Asia on business or leisure can avail of this insurance policy.
It is suitably advised to buy a good Asia travel insurance plan before embarking on a trip to any of the countries in Asia.
A good travel insurance plan mostly covers Emergency medical expenses for any sudden illness, injury or death. There are chances the trip may result in self or any other member travelling in need of medical emergency. Such uneventful expenses are covered by a good plan.
The expenses incurred for obtaining a fresh or a duplicate passport in lieu of the lost passport is also covered.
Correspondingly, total loss of baggage expenses is also covered.
If the trip is delayed by more then 12 hours due to some issues with airlines or natural disasters or due to medical emergency is also covered.
Emergency medical expenses for sudden evacuation to India or expenses incurred for transferring mortal remains back to India are also covered. The expenses incurred in case of sudden demise are also covered.
If any harm comes to body due to accidental bodily injury during the course of the trip also gets covered.
Special distress allowance is also provided in case of any emergency situations.
There are certain things also which are left out and which needs to be properly read by the insurance buyer at the time of taking the policy.
The common scenarios where the claims cannot be accepted are
Pre-existing medical conditions or ailments
Expenses incurred due to any of the following conditions like committing Suicide, Self-inflicted injuries or illnesses, mental disorder, Anxiety, stress or depression, Venereal diseases, Alcohol/drug abuse or any STD diseases like HIV/AIDS.
If there is war or nuclear threat in the country of travel, expenses incurred on behalf of those, won’t be covered. So it is kindly advisable to ensure that the place of travel should be safe from war zone.
Any problems faced due to theft or loss of passport when left unattended won’t be covered.
In a scenario of loss of checked baggage, no partial loss or damage becomes payable.