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Travel Insurance June 17, 2021
Shriram Travel Insurance understands the travel-related risks that individuals may face and thus provides different plans according to their needs, location and duration of the journey. These plans cover expenses on medical treatment, total loss of checked-in baggage, loss of passport, trip delay, etc. Any individual with age between 90 days to 65 years can choose Shriram Travel Insurance in a hassle-free manner.
Being a responsible traveller, buying Shriram Overseas Travel Insurance can be perfect for your trip. On this page, we will talk about different plans of Shriram Travel Insurance and their features so that you can understand better. Let’s start without any further delay.
Table of Contents
Features and Benefits of Different Shriram Travel Insurance Plans in Detail
Shriram General Insurance offers individual travel insurance for people who are traveling overseas for holiday, leisure or business purposes. Such individuals can choose from three plans according to their needs – Shri Travel, Shri Travel Plus and Shri Travel Elite.
Shri Ram Travel Insurance can be purchased for a single trip, family floater and annual multi-trip. The coverage amount changes from one plan to another and you can choose according to your requirements. To know more about the coverage of these plans, please check the below table.
| Features and Benefits | Shri Travel (In USD) | Shri Travel Plus (In USD) | Shri Travel Elite (In USD) |
|---|---|---|---|
| Coverage Amount | 50,000 | 1,00,000 | 2,00,000 |
| Medical Expenses Cover | 50,000 | 1,00,000 | 2,00,000 |
| Cashless Hospitalization Facility (Worldwide) | Available | Available | Available |
| Repatriation of Remains | 1,000 | 1,500 | 2,000 |
| Daily Allowance in case of Hospitalization (up to 5 days) | 25 | 25 | 25 |
| Dental Treatment Cover | 250 | 250 | 250 |
| Total loss of Checked-in Baggage | 500 | 500 | 500 |
| Delay of Checked-in Baggage (more than 12 hours) | 100 | 100 | 100 |
| Loss of Passport | 200 | 200 | 200 |
| Personal Liability | 25,000 | 50,000 | 50,000 |
| Personal Accident Cover | 10,000 | 15,000 | 15,000 |
| Hijack Distress Allowance ( Applicable if delayed for more than 24 hours, up to a maximum of 7 days) | 100 per day | 100 per day | 100 per day |
| Financial Emergency Assistance | 300 | 300 | 300 |
| Trip Cancellation and Interruption Cover | Not Available | 250 | 250 |
| Missed Connection Benefit | 250 | 500 | 500 |
| Travel Delay (up to 100 USD per day, if the trip is delayed for more than 12 hours) | Not Available | 250 | 250 |
| Golfers Hole in One | Not Available | Not Available | 500 |
| Bail Bond Insurance | Not Available | 500 | 500 |
| Trip Curtailment | Not Available | 250 | 250 |
Note: In case of medical expenses cover, a deductible of 10 USD will apply on a per illness basis.
What is the Minimum Premium Amount for Shri Ram Travel Insurance?
The premium amount for Shriram Travel Insurance depends on the following factors.
- Age of the Insured Person
- Country of travel
- Days of travel
- Type of Plan and Coverage Amount
To know more, please check the below table.
| Type of Plan | Minimum Premium Amount (In INR) | |
|---|---|---|
| Excluding USA/Canada | Including USA/Canada | |
| Shri Travel | 425 | 668 |
| Shri Travel Plus | 537 | 887 |
| Shri Travel Elite | 630 | 1,380 |
Can You Extend the Travel Duration of Your Shriram Travel Insurance?
YES, you can extend the travel duration (once in the policy year) when –
- The original travel insurance plan is still active.
- You have made no claim on the original policy.
- You submit a declaration of your good health.
- Extension in travel duration is more than 180 days.
- The total duration including your extension does not exceed 360 days.
Note: You will need to pay the premium for the extension upfront.
What is Not Covered Under Shriram Travel Insurance?
When you choose a travel insurance plan from Shriram General Insurance, you will not get coverage against the following things.
- If you are traveling abroad to get a medical treatment
- Any breach of law with criminal intent
- Abuse of intoxicants or hallucinogens including drugs and alcohol
- Self-inflicted injury, suicide or attempted suicide
- Pregnancy, childbirth and its complication
- HIV/AIDS and other sexually transmitted diseases
- Any willful, malicious or unlawful act
- Damage to health caused by curative measures, radiation, infection, poisoning except where these arise from an accident
- Loss due to complete/partial damage of the checked-in baggage
- Any checked-in baggage loss in the Republic of India