Safeguard your trip to Thailand with Thailand travel insurance from India

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Thailand is an ideal getaway for any traveller. Your one-stop destination for all the adventure-filled activities- ranging from trekking to hilltop temples to sightseeing to soul-calming meditation retreats. However, when travelling abroad always make sure you have taken all the necessary measures for a safe and smooth trip. After all, you wouldn’t want to ruin your well-planned trip. To ensure that nothing spoils your vacation, consider getting Thailand travel insurance which safeguards you against any unforeseen circumstances you might encounter while travelling abroad.

As stated by the Tourism Authority of Thailand (TAT), it is predicted that by the end of 2022 up to 600,000 Indian tourists will have visited Thailand. (Source: Nation Thailand)

Now, if you’re planning to travel to Thailand soon, here is all you need to know about getting Thailand international travel insurance from India.

Things to look out while choosing the plan

Given below are some basic things that you should take into consideration when you are buying your Thailand travel insurance

  • Go for a comprehensive plan that covers trip cancellation, accidents involving rented vehicles, loss of baggage, passport etc. 
  • Choose the best premium rate by comparing various plans offered by different insurance providers. 
  • Examine the coverage provided, check what is covered and what is not, obtain quotations from several insurance providers, compare, and select the most cost-effective insurance plan. 

By following these steps, you can be sure of getting the ideal Thailand travel insurance plan from India. 

Factors affecting the cost of a Thailand travel insurance plan

In addition to the cost of your trip, the following information will be used by your insurance provider to determine how much premium you will need to pay for your international travel insurance for Thailand: 

  • The number of travellers: The more travellers, the greater the risk. 
  • Country name 
  • Each traveller’s age – Senior citizens pay a higher premium. As per the insurer’s discretion, minors can be included in the insurance plan at no additional cost or a discounted rate. 
  • Duration of the trip – the longer the trip, the higher the premium because you are more susceptible to travel-related hazards, including health concerns.

Inclusions of Thailand travel insurance from India

  1. Medical costs

Medical expenses include the cost of reparation of a person’s remains and flying them out in a medical emergency. Including COVID-19-related hospitalisation.

  1. Dental care expenditures

Compensation for medical expenses associated with treating unintentional injury sustained to natural teeth during the trip. 

  1. Personal accident

Compensation is provided in case of accidental death, permanent total disability, or permanent partial disability. 

  1. Common carrier

Payment of compensation in the event of accidental death or permanent complete disability when riding as a passenger in a common carrier. 

  1. Daily allowance 

In case a person is hospitalised for longer than two days while travelling overseas, a daily allowance as specified in the policy is paid.

  1. Cashless hospitalisation facility

When the insured has been admitted to a hospital that the insurer has a tie-up with, the hospital’s bills are directly settled by the insurer.

  1. Compassionate visit

If the insured is hospitalised while travelling abroad for 5 days or longer due to an injury or accident, as specified in the policy schedule, the insurance provider will pay for the return airfare and hotel expenses of the immediate family members. 

According to the terms of the policy, the insurance company will pay for the insured’s return airfare to his home country if any immediate family members of the insured pass away or are hospitalised in India for five days or more. 

  1. Misplacement of important documents

The misplacement of important documents including passports, flight tickets and cheques.

  1. Loss or holdup with check-in baggage

In case of complete loss of checked-in luggage by the air carrier, the insurance provider will pay the loss sustained up to the limitations specified in the policy. 

Additionally, if the luggage is delayed by more than six hours from the anticipated time of arrival, the insurance provider will cover costs incurred for the purchase of toiletries, clothing, medications and other essential things up to the level specified in the policy. 

  1. Delay in trip

Reimbursement for expenses sustained if the journey is postponed as a result of issues with the airline, personal health issues, professional employment issues, or natural disasters.

  1. Flight cancellation & interruption

If an outbound or inbound trip is cut short due to a medical emergency or a natural disaster, the insurance provider will cover the non-refundable amount of the prepaid accommodation cost as well as the associated ticket cancellation fees. 

If the flight is delayed for more than 6 hours while travelling abroad from India, your insurance provider will pay a lump sum amount according to the terms of the policy.

  1. Missed connecting flight

Compensation for costs incurred up to the sum insured if you miss the connecting flight as a result of the delayed arrival or cancelled incoming confirmed flight.

  1. Personal liability

Should the insured accidentally cause bodily injury to another person or damage to another person’s property while travelling outside of the country covered by the policy, he or she will be held legally liable. The insured will receive compensation from the insurance carrier for incurred legal costs. 

  1. Emergency financial aid

In case of loss suffered due to theft or fraud, emergency cash will be provided by the insurance provider.

  1. Hijack distress allowance

Compensation will be provided if the aircraft carrier is hijacked for a period of time longer than certain hours while the insured is on the trip. 

Key Advantages of Thailand Travel Insurance 

Staying ahead of any emergencies you might encounter while travelling abroad is a smart move.  Getting Thailand travel insurance brings you the following advantages:

  • Ease of access: Travel insurance policies are specifically curated to cater to the comfort of frequent travellers, senior citizens, as well as students. 
  • Emergency medical assistance: It provides emergency medical coverage while travelling overseas. 
  • Reimbursement for trip cancellation and interruption costs: Travel insurance reimburses you for any costs associated with potential losses due to cancellations. 
  • Paperwork and luggage: The insurance provider also provides coverage for the expenses you sustain due to the loss of luggage and essential paperwork.
  • Personal accident: Travel insurance also extends you with coverage for accidental injury and death. 

So, with the help of international travel insurance, leave your stress at home when travelling to the mesmerising country of Thailand!

Having so much to offer to its visitors, Thailand is a must-visit place. As emergencies can occur anytime, be sure to safeguard yourself against it all by opting for Thailand travel insurance before you head out on your most awaited trip. Rich in features, choose the plan which goes handy with your insurance needs as well as your spending plan. Therefore, choose wisely!

Disclaimer: The above information is for illustrative purposes only. For more details, please refer to the policy wordings and prospectus before concluding the sales.

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