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We understand that you may have any questions, concerns, doubts pertaining to your policies or on products & services.

In case the Insured/ Policy Holder has any Grievance regarding services, product or process of The New India Assurance, they may approach the Grievance Redressal Cell at the below mentioned details.

The New India Assurance Company has the responsibility to put in place proper procedures and effective mechanism to address complaints and grievances of policyholders including Mis-selling by different intermediaries and to ensure compliance with the statutory requirements.

Cancellation policy differs from product to product. Please refer to the policy wordings for the exact cancellation policy before you purchase the plan.

If you wish to visit The New India Assurance Company branch for any issues, concerns or queries regarding your policy, please click on the below link to get the complete details.

An Insurance endorsement is a mini-policy that is added to a current insurance policy to change certain information on the original insurance documents.

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New India Assurance Overseas Mediclaim policy

Key highlights of new india assurance international travel insurance.

  • Premium payable in Rupees and Claims settled abroad in foreign Currency.
  • Policy available for frequent corporate travelers.

Eligibility of New India Assurance International travel insurance

  • Age Limit: 6 months and above up to 70 years.
  • Policy is to be taken prior to departure from India.

New India Travel Insurance review

New India Travel Insurance

Key features of New India Assurance International travel insurance

  • New India, founded by Sir Dorabji Tata in 1919, a Multinational General Insurance Company, today operates in 28 countries and headquartered at Mumbai, India. Our global business crossed Rs. 26607 crores in March 2019 and have been market leaders in India in Non-Life business for more than 40 years.
  • The only direct insurer in India rated A-(Excellent) by AM BEST Company since 2007 and have been rated AAA/Stable by CRISIL since 2014, indicating that the Company has the highest degree of Financial Strength to honour its Policyholder's obligations.
  • Indian operations span across all territories through 2395 offices, including 476 DOs, 595 BOs, 26 DABs and 1257 Micro Offices with have 16795 employees and selling over 250 products.
  • The sum insured available ranges from ₹50,000/- to ₹5,00,000/- for Accident & Sickness Medical Expenses for insured between 6 months and above upto 70 years.
  • Cashless settlement is provided through our Overseas Services Provider WTA Travel Services Inc and Heritage Health TPA Pvt Ltd.
  • Trip is for period over 60 days and if
  • Insured person is over 60 yrs of age visiting USA / Canada
  • Insured is over 70 yrs of age and visiting countries other than USA / Canada

New India overseas travel insurance plan details

Coverage and benefits offered by new india overseas mediclaim policy, what are the exclusions under new india assurance international travel insurance for indian tourists.

  • All pre - existing disease / illnesses are not covered.
  • Traveling against Medical advice or for Medical treatment including routine check-up.
  • First USD 100 of all claims are to be borne by the traveller.

Review New India Assurance Overseas travel insurance brochure to understand coverage details.

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new india travel insurance

Top Travel Insurances for India You Should Know in 2024

Byron Mühlberg, writer at Monito.com

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

Known for its explosion of rich culture, colour, and food, India is an attractive travel destination for travelers on a budget. Whether you're travelling to India to experience the country's cultural heritage, visit its iconic landmarks and natural attractions, take part in adventure sports, or enjoy delicious and diverse cuisine, you will find India an excellent travel destination! Although travelling to India can be an accessible holiday destination for many people, and although healthcare costs in the country aren't outrageously expensive, it's still a very good idea to arrive there with travel insurance anway, as you'll want the highest-quality healthcare you can find.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to India and other countries worldwide. Our list below explores the four services we believe provide the best deals for young travellers, adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats.

India Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for India:

Best Travel Insurances for India

  • 01. Should I get travel insurance for India? scroll down
  • 02. Best medical coverage: VisitorsCoverage scroll down
  • 03. Best trip insurance: Insured Nomads scroll down
  • 04. Best mix for youth and digitial nomads: SafetyWing scroll down
  • 05. FAQ about travel insurance to India scroll down

Heading to India soon? Don't forget to check the following list before you travel:

  • 💳 Eager to dodge high FX fees? See our picks for the best travel cards in 2024.
  • 🛂 Need a visa? Let iVisa take care of it for you.
  • ✈ Looking for flights? Compare on Skyscanner !
  • 💬 Want to learn the local language? Babbel and italki are two excellent apps to think about.
  • 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.

Do I Need Travel Insurance for India?

No, there's no legal requirement to take out travel insurance for India.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to India or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for India:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to India. It lets you choose between various plans tailored to meet the specific needs of your trip to India, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

Get a quote 🡪

  • Coverage 9.0
  • Quality of Service 9.0
  • Pricing 7.6
  • Credibility 9.5

VisitorsCoverage offers a large variety of policies and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for India:

  • Policy names: Varies
  • Medical coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
  • Trip coverage: Excellent - but only available for US residents.
  • Customer support: FAQ, live chat and phone support
  • Pricing range: USD 25 to USD 150 /traveller /month
  • Insurance underwriter: Lloyd's, Petersen, and others
  • Best for: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another very good travel insurance option, especially if you're adventurous or frequently on the go and are looking for solid trip insurance with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

Get a quote 🡪

  • Coverage 7.8
  • Quality of Service 8.5
  • Pricing 7.4
  • Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

  • Policy names: World Explorer, World Explorer Multi, World Explorer Guardian
  • Medical coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
  • Trip coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
  • Customer support: FAQ, live chat, phone support
  • Pricing range: USD 80 to USD 420 /traveller /month
  • Insurance underwriter: David Shield Insurance Company Ltd.
  • Best for: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for younger travellers or digital nomads because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

Get a quote 🡪

  • Coverage 7.0
  • Quality of Service 8.0
  • Pricing 6.3
  • Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

  • Policy names: Nomad Insurance, Remote Health
  • Medical coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
  • Trip coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
  • Pricing range: USD 45 to USD 160 /traveller /month
  • Insurance underwriter: Tokyo Marine HCC
  • Best for: Digital nomads, youth, long-term travellers

How Do They Compare?

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to India? Take a look at the side-by-side chart below:

Data correct as of 4/1/2024

FAQ About Travel Insurance to India

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

No, you'll not be required to take out travel insurance for India. However, we strongly encourage you to do so anyway, because the cost of healthcare in India can be high, and taking out travel insurance will mitigate some or all of the risk of covering those costs yourself if you need medical attention during your stay.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to travellers worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the traveller, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent travellers.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

See Our Other Travel Insurance Guides

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new india travel insurance

Travel Insurance For a Trip to India (2024)

Travel insurance protects your trip expenses and offers you financial peace of mind. See how to get covered and what travel insurance costs for a trip to India.

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From sightseeing in Mumbai to hiking the Himalayas, travel insurance can protect your investments on your vacation to India. Travel insurance for India can help cover you financially if your trip gets canceled, you incur medical expenses abroad or an airline loses your baggage.

No one wants to call off overseas travel, but sometimes the unexpected happens and interrupts your plans. Read on to learn about policy terms, costs and information about traveling to India.

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Use the table below to compare the best travel insurance companies for a trip to India:

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Do I Need Travel Insurance for India?

Travel insurance plans are not required to visit India. However, travel insurance can protect you from losing nonrefundable costs if your trip gets interrupted or you experience a health emergency. Most U.S. health insurance plans do not cover medical expenses overseas, like if you require hospitalization or emergent care. But you can add protection by purchasing a travel insurance policy with emergency medical coverage.

It’s important to check policy documents regarding participation in activities such as adventure sports and motorbike riding, which insurance may not cover. However, even if you’re simply exploring Delhi, heat exhaustion or minor incidents may require medical treatment you can cover by filing a travel insurance claim.

Travel insurance can reimburse some or all prepaid costs for trip delays or cancellations. So you won’t have to rely on airline policies to recoup losses if your flight to India is delayed or canceled for reasons outside your control. A policy can also cover a delay of checked-in baggage and lost or stolen belongings.

Cancel for Any Reason Coverage

Most travel insurance providers offer cancel for any reason (CFAR) coverage , which covers nonrefundable trip costs without limits on why you need to cancel.

Standard travel insurance coverage includes cancellation for predetermined reasons, including the death of a family member or a personal accident or illness. But CFAR coverage allows you to cancel plans for reasons outside your policy. So if you cancel your trip to India to go to Canada or Thailand instead, your insurance company is more likely to reimburse travel costs if you have CFAR coverage.

CFAR is subject to rules that vary among different travel insurance providers. Rules may include exclusions and time limits, such as a requirement to cancel within 48 or 72 hours of your vacation start date. It is typically offered as a policy add-on, which may increase your insurance premium.

Gear Theft Protection

Travel insurance also offers coverage for valuable items and expensive equipment so you can travel to India with added peace of mind. Gear theft protection is useful if you’re traveling with valuables such as:

  • Smartphones
  • Professional cameras and video equipment
  • Adventure sports gear

Check your international travel insurance plan for inclusions, exclusions and the sum insured. Certain travel policies may not cover everything, like the full cost of stolen valuables after your deductible. Generally, reimbursement includes items that are damaged, lost or stolen through common carriers such as airlines or tour organizations. Many travelers leave items at home or locked in hotel rooms if they are too valuable to lose.

Medical Emergency Insurance and Emergency Medical Evacuation

According to the U.S. Department of State , the quality of medical care in India varies depending on your location. You may have an easier time finding medical care in more populated cities versus rural areas. But regardless of your location, travel medical insurance can cover health emergencies and help you avoid significant medical costs.

Policies may vary regarding coverage of pre-existing diseases or medical conditions. Standard medical coverage typically includes:

  • Hospital fees
  • Operating room charges and anesthesia
  • Dental emergencies
  • Lab tests and X-rays
  • Accidental death and dismemberment

Most travel health insurance plans include emergency medical evacuation and repatriation if local medical care isn’t available or you need to fly back to your home country.

Rental Car Protection

Many people choose to explore India via a guided tour or with private drivers due to traffic conditions, specifically in big cities. The country requires that rental car companies provide third-party personal liability insurance to cover deaths, injuries or property damage while using rented vehicles. However, companies may offer you the option to purchase additional rental car coverage.

Depending on the type of car insurance and coverage you choose, premium plans may include the following:

  • Collision damage waiver and theft protection
  • Tire and windshield protection
  • Roadside protection
  • Personal effects coverage

As a separate safeguard, a standard travel insurance policy generally includes rental vehicle coverage to reimburse you for stolen or damaged cars. Some policies may offer this coverage as a policy add-on, which costs extra.

Trip Cancellation Insurance

Trip cancellation insurance covers nonrefundable trip costs (like your flight or hotel) if your trip to India gets canceled unexpectedly. Coverage extends to the insured person or policyholder for a limited number of reasons, including:

  • Death of family members
  • Hospitalization or serious illness
  • Severe weather conditions preventing departure
  • Jury or military duty
  • Domestic or international terrorism (such as a hijack at air or sea)

Opt for CFAR coverage for more general cancellations, like a compassionate visit to someone in the hospital, concerns about pre-existing conditions or simply changing your mind. Note that your policy may not cover cancellations due to certain natural disasters (such as flash flooding in India) if you travel after a known event.

How Much Does India Travel Insurance Cost?

The cost of India travel insurance largely depends on your trip details and personal risk factors. For example, a senior citizen who requires a regular check-up for pre-existing medical conditions may pay more for a policy, whereas student travel insurance is generally the cheapest.

Plan options may include single-trip travel insurance for a one-time visit to India. Or if you’re traveling from Schengen countries to Australia and then onto India, you might find multi-trip travel insurance more cost-effective. In this example, a U.S. citizen would not need a Schengen visa to travel between countries but would require a tourist visa to enter India .

We requested quotes from ten travel insurance companies for their most affordable plan for a trip to India. The below quotes are for a 30-year-old traveler from Florida, traveling to India for ten days in September 2024, with a total trip cost of $4,000. Policies include coverage for cancellations, interruptions, delays, medical care and evacuation.

 These quotes were collected in April 2024 for a trip in September 2024.

Keep in mind that your cost may vary depending on your personal details and trip duration or end date. If you are on a budget, check out our picks for cheap travel insurance options .

How Do I Get Travel Insurance for India?

When planning your vacation to India, check your credit cards and health insurance as you may already have some forms of coverage. Some credit card companies extend certain travel coverages, and private health insurance may extend to emergencies abroad. You can also buy travel insurance directly through your airline when purchasing flight tickets.

If you decide to purchase travel insurance, take your time to shop around and compare plans. It’s important to check your policy wording for coverage exclusions so you are not surprised during the claims process. For example, policies may include varying coverages for lost baggage , which can affect how much you receive in a claim settlement.

The right travel insurance policy for you should take into account your personal needs. If you plan to hike or participate in sporting activities, look for coverage that includes medical emergencies and sporting gear. Or find a trip plan with optional CFAR coverage if unexpected trip interruptions are a concern.

new india travel insurance

India Safety Tips

Below are travel and safety tips to help you enjoy a hassle-free Indian vacation.

Crime and Safety

The India Travel Advisory from the U.S. Department of State is at a Level 2: Exercise Increased Caution. According to the State Department, the level is in place due to growing crime across tourist destinations, along with possible terrorist attacks. Check updated information for certain areas with Level 4: Do Not Travel advice.

It’s recommended to avoid demonstrations and always follow instructions from local authorities. Be aware of your surroundings in big crowds and guard your belongings from pickpockets. Take note of local media concerning breaking events and adjust your plans accordingly.

Day Trips, Tours and Excursions

From seeing the Taj Mahal to learning how to cook Indian food, tours are a fantastic way to see the country. Some international travel insurance policies can safeguard you from financial loss related to travel excursions — like cruise insurance from Nationwide.

Always book tours and day trips through reputable companies. Seek advice from hotel concierges and trusted travel agents. For more information, visit India’s official tourism website .

India currently does not have any rules or restrictions regarding COVID-19 and U.S. travelers. However, the situation is subject to change. Visit the Indian government’s Bureau of Immigration for up-to-date information.

Is Travel Insurance for an India Vacation Worth It?

Travel insurance is not mandatory for a vacation to India. However, it can help you recoup finances due to potential baggage loss, stolen valuables, canceled flights and more. Travel insurance can also cover medical expenses if you experience an emergency abroad. Other reasons why travel insurance is worth it include peace of mind in knowing you have coverage on your trip to India, whether it be for sporting equipment, a delayed flight or a trip to urgent care.

Frequently Asked Questions About Travel Insurance in India

How can i claim flight compensation.

Travel insurance is the best protection against canceled flights to India. Most U.S. airlines will only compensate you if the company is at fault for cancellations or delays. But even then, restrictions apply.

Do I need travel insurance to fly to India?

Travel insurance is not required to fly to or enter India. But a policy is recommended to cover trip cancellation and potential medical expenses. It can also cover the loss of passports and other important documents, stolen or damaged valuables and sporting gear.

What does travel insurance for India cover?

Travel insurance covers a variety of unexpected events and risks, including medical emergencies, flight cancellations or delays, lost luggage and stolen valuables. Different types of travel insurance plans may also include coverage for sporting equipment and rental car damage.

Do all credit cards include travel insurance?

Not all credit cards offer travel insurance. But travel rewards cards may offer a level of travel insurance. Check your policy documents for coverage details. You can also use travel cards to earn rewards points if you prefer to travel cashless.

If you have feedback or questions about this article, please email the MarketWatch Guides team at  editors@marketwatchguides. com .

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  • India Travel Insurance

On This Page

  • Key takeaways

Do I need travel insurance to visit India?

How much does travel insurance for india cost, what does travel insurance for india cover, what isn’t covered by travel insurance for india, tips for getting the best india travel insurance, india travel information & requirements, faq: india travel insurance, related topics.

Travel Insurance for India: U.S. Visitor Requirements & Quotes

Imogen Sharma

  • You must have a visa and a valid passport to visit India .
  • Although travel insurance isn’t required, it’s advisable to at least purchase travel medical and medical evacuation coverage because India won’t accept your U.S. health insurance .
  • More comprehensive policies can also cover other travel mishaps , such as trip cancellations and delays, lost baggage and car rentals.
  • According to our research, our top picks for travel insurance for India come from Seven Corners, Tin Leg, and AXA Assistance USA ( skip ahead to view these plans ).
  • Costs for travel insurance vary, but you can typically find basic medical coverage for less than $1 per day .
  • To view multiple plans at once and find the best coverage to suit your needs, try using an online comparison tool .

Our top picks for the best india travel insurance

  • Seven Corners: Best Value for Robust Coverage & Medical Emergencies
  • Tin Leg: Best Rated Overall
  • AXA Assistance USA: Best for Budget Friendly Travelers

Our top picks for travel insurance for India

Seven corners.

Tin Leg

AXA Assistance USA

India does not require tourists to have travel insurance . However, traveling in India can come with a significant amount of risk. A travel insurance policy covers medical care and medical evacuation, so you can move around the country with peace of mind. If you become injured or sick, you won’t be saddled with an expensive medical bill.

Travel insurance also protects you from other unexpected circumstances that could affect your trip. If a natural disaster forces you to cancel or a political protest disrupts your plans, your policy can help reduce the financial impact. 

It can also help you prepare for other risks, such as those discussed below.

Risk of pickpockets and tourist scams

Pickpockets and petty thieves run rampant in India, often targeting unsuspecting tourists. They operate in crowded tourist destinations, such as airports and famous sites like the Taj Mahal.

Tourist scams are another common occurrence in India. Scammers try to lure travelers with false promises, only to extort them for money or put them in dangerous situations. In other cases, criminals drug visitors before robbing them. Travel insurance with coverage for personal items can help pay to replace stolen items.

Risk of canceled day trips or tours

Tours and day trips are a popular way to see sights in India. Since many operators have little to no oversight, they may cancel these excursions at the last minute without reimbursing you. Certain travel insurance policies can reduce the risk of financial loss by covering nonrefundable costs for interrupted or canceled tours.

Risk of political demonstrations 

Political demonstrations in India can be large and disruptive. In some cases, they affect airlines, train lines and major roadways. When a demonstration arises before or during your trip, you may have a hard time reaching your destination. In some cases, widespread protests make it too dangerous for foreigners to visit the affected areas. A travel insurance policy can help you recover the costs of canceling the trip, rebooking flights, or making unexpected hotel stays.

Risk of severe weather conditions

Many parts of India experience severe weather at various times throughout the year. In southern India, the monsoon season often brings severe flooding; the northern part of the country sees intense dust storms. Dangerous heat waves are possible across most of the country. While you can’t predict serious weather events, you can use insurance to prevent significant financial losses if storms affect your trip.

Best Value for Robust Coverage & Medical Emergencies

Why we like it.

  • Offers coverage for pre-existing conditions
  • Money-back guarantee
  • Cancellation & Interruption coverage standard
  • Covers action sports & equipment
  • Cancel for any reason not included standard
  • Must meet waiver for pre-existing conditions to be covered

Best Rated Overall

  • Coverage for pre-existing conditions
  • Cancelation & interruption coverage
  • Offers hurricane and weather coverage

Best for Budget Friendly Travelers

Our official sales figures over the past year show that our customers paid an average of $136.70 for travel insurance to India.

We found that travel insurance for a trip to India can cost as little as $1 per day for the most fundamental medical and medical evacuation coverage. A more comprehensive plan that covers trip cancellations and interruptions will cost around $7 to $11 per day.

To give you a better idea of how much travel insurance costs for a trip to India, we requested quotes from four leading travel insurance providers.

We used these details for all of our quotes:

  • Age : 35 years old
  • Destination : India
  • Trip Length : 7 days
  • Trip cost : $2,000
  • Date: September 2024

You can see our quotes for basic travel insurance in the table below. Prices range from less than $1 per day to $6 per day .

Example Where Plan Doesn’t Reimburse the Full Trip Cost

Our quotes for policies that include trip cancellation and trip interruption coverage are in the following table. Prices range from around $7 to $11 per day .

Example Where Plan Does Reimburse the Full Trip Cost

It’s important to note that the cost of India travel insurance is different for everyone. 

Providers base your policy premium on factors such as:

  • Trip duration
  • Cost of the trip
  • Current health insurance
  • Elapsed time between policy purchase and first trip deposit

As with any type of insurance, every plan offers different types and levels of coverage.

We break down some of the most common coverage types below.

Trip cancellation insurance

Trip cancellation coverage helps you recover prepaid, nonrefundable trip costs if you have to cancel your plans. Travel to India is expensive, especially if you’re booking popular hotels and tours. If you fall ill a week before your flight and you’re too sick to travel, insurance can ensure that you don’t lose money in the process.

Trip delay insurance

This type of insurance covers the extra expenses that arise if your India trip is held up due to circumstances beyond your control. If your connecting flight from Amsterdam to New Delhi is pushed to the next day, insurance can cover a last-minute hotel booking and taxis to and from the airport. Keep your receipts, and you might also be able to get reimbursed for meals and nonrefundable hotel stays in your final destination.

Trip interruption insurance

Trip interruption coverage kicks in if unexpected circumstances require you to cut your vacation short. As long as the reason for the interruption is covered, the policy will typically refund the non-refundable costs of the rest of the trip . It might also cover the flight back to the U.S.

Travel medical insurance

If you get hurt or fall ill while you’re exploring India — a possibility, given the country’s inconsistent safety regulations — travel medical insurance covers the costs. In most cases, you’ll need to pay the healthcare bills first and file a claim for reimbursement. Some plans will work directly with the medical provider to settle bills if you need hospitalization after an accident or a bout of dengue fever.

Medical evacuation insurance

Medical evacuation coverage pays for your transportation in case of a medical emergency. It’s critical for trips to India — healthcare facilities aren’t always available away from major cities. That means if you’re injured while trekking in the Himalayas or cruising in Kerala, you may need to be transported a long distance by air to get to a hospital. When the situation is serious enough, a medical flight back to the United States may be necessary.

These services are expensive, but evacuation coverage can take care of the bill. Make sure you choose a policy with a high limit when traveling to India, particularly if you’re planning an adventurous itinerary to rural parts of the country.

Insurance for personal items

Personal item coverage helps you pay for damaged, lost or stolen belongings. Given the risk of theft and pickpocketing in India, this type of insurance is essential. Limits can vary considerably between policies; you may need to shop around to find adequate coverage if you’re packing computers, phones and cameras.

Rental car coverage

This type of insurance pays for damage to your rental car. It’s usually offered as an add-on for an extra fee, but don’t skip it if you’re renting a car in India — road conditions and driving safety are well below U.S. standards in many areas.

Every travel insurance policy comes with exclusions, which are things the plan will not cover. For example, if your policy excludes preexisting medical conditions , it won’t pay cancellation costs if you have to cancel due to a chronic health condition.  

Standard travel insurance exclusions are:

  • Pregnancy (except for complications)
  • Anxiety and mental health
  • Routine medical or dental procedures
  • High-risk activities
  • Extreme sports and professional sports
  • Trips that go against medical advice
  • Storms that have already been named
  • Illegal activities

It’s also important to note that your policy might refuse to cover anything for which you don’t have the appropriate documentation. If you need to seek medical care, or you plan to file a claim for trip cancellation or interruption, call the provider immediately to ask about documentation requirements.

A wide range of providers offer travel insurance to India. 

These tips can help you select a plan that provides ample coverage and peace of mind:

Research your destinations.

If you’re traveling to rural parts of India, make sure your insurance policy includes a high limit for medical evacuation. That way, you’re less likely to incur high bills for medical flights.

Check emergency procedures.

Some providers deny medical claims if you fail to call the emergency assistance line before seeking help. That’s not always possible in areas of India that don’t have cell service.

Consider how you’re traveling around India.

Travel insurance policies don’t apply to every mode of transportation. If your plans include hitching a ride or renting a motorcycle in India, make sure it’s covered in case of an accident.

Examine the risk level of activities.

Read the policy exclusions carefully to ensure that your intended activities are covered.

Buy a policy as soon as possible.

By buying as soon as you book the trip, you’ll be protected for longer. Coverage usually starts from the purchase date.

Are there COVID-19 restrictions for U.S. tourists?

No, as of February 13, 2023, there are no COVID-19 restrictions for U.S. tourists.

Do I need a visa or passport to travel to India?

You need both a visa and a passport to travel to India . You can apply for an eVisa online. If you’re approved, you can travel in India for up to 60 days. Make sure to apply at least four days before you’re scheduled to arrive. To stay longer, you must apply for a standard tourist visa at the nearest Indian consulate or embassy.

Before you apply, check the expiration date on your passport . The document must be valid for at least six months after the application date. Indian immigration officials require two blank pages to accommodate visas and stamps.

Is it safe to visit India?

India can be a safe destination for savvy tourists — however, you must exercise a great deal of caution . Petty crime is common, as are scams. Female travelers must be especially careful as there have been many reports of sexual assault and violence against women, including tourists. The U.S. Department of State advises women to dress according to local custom and avoid traveling alone in India. 

There is also a chance of terrorism and civil unrest throughout India, particularly in the northeastern states, central and eastern India and areas near the Pakistan border.

Can a US citizen buy health insurance in India?

As a citizen of the US traveling to India, it is far more beneficial for you to purchase a travel insurance policy before you leave for your vacation. Doing so prepares you for early unforeseen circumstances such as delayed flights or canceled bookings. NRIs (non-resident Indians) may be able to purchase health insurance in India. Still, as U.S. travel insurance companies are fully regulated, you are far safer securing your coverage within the states.

Can I use my U.S. health insurance in India?

No, you cannot use most standard U.S. health insurance policies in India.

Can a U.S. citizen buy travel insurance in India?

A few insurance providers allow you to purchase travel insurance after you’ve started your trip in India. However, you may be subject to higher fees or a waiting period before you can make a claim.

Is it better to buy travel insurance from India or U.S.A.?

It’s best to buy travel insurance for India while you’re still in the United States. You can buy it from a domestic or international provider — just make sure the company is reputable and that the policy applies to American travelers.

About the Author

Imogen Sharma

Imogen Sharma is an experienced writer, specializing in business, culture, and financial guidance for young adults. She has contributed to articles for Varo Bank , Lendzi , MoneyTips and Indeed , providing invaluable insights into budgeting, financial planning, and lines of credit.

As a dedicated self-employed writer, she cherishes the opportunity to share her knowledge and experience with others, offering advice so they can master their bank accounts and secure their financial futures. Her articles, published in CMSWire , Reworked , WalletGenius and The Customer , serve as actionable guides to help people make solid financial decisions.

Prior to her writing career, Imogen honed her financial acumen in management roles, excelling in P&L analysis, budgeting and HR. During her tenure at Smith & Wollensky in London, her strategic contributions contributed to a 2% increase in EBITDA over a year, demonstrating her ability to drive financial performance and organizational success.

Imogen’s writing style combines expertise with accessibility, making complex financial topics easily understandable and actionable. With a focus on the long game, she encourages readers to approach financial matters with enthusiasm and determination.

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New India General Insurance Plans – Compare Plans, Features & Benefits

The New India Assurance Company is a multinational general insurance company that was founded in the year 1919 by Sir Dorabji Tata. The company headquartered in Mumbai operates in 28 countries. The company has been operating overseas in countries like Singapore, Kenya, Saudi Arabia, Japan, Mauritius and the United Kingdom for many years through its direct branches, agency operations, subsidiary companies, and representative office and associates. The New India Assurance Company is a pioneer in the field of non-life insurance in the Indian market for more than four decades. The company offers a variety of non-life insurance products to cater to the needs of retail, corporate and rural customer segment.

Important Facts about the New India Assurance Company Limited

Here are some of the important facts about The New India Assurance Company:

  • The company has the highest degree of financial strength with A – (excellent) and AAA (stable) ratings by AM BEST Company and CRISIL.
  • Apart from presence in 28 other countries, the company has its widespread presence in India through 2452 branch offices, 1339 micro offices and 68389 tied agents to address the clients.
  • The company offers a diverse range of non-life insurance products with 230 products in its offerings.

Awards and Recognitions of the New India Assurance Company Limited

  • The company has received ‘’Insurance Company of the Year’ award at Quest Conferences India Insurance Summit, 2017.
  • The company was awarded as ‘’India’s Leading Insurance Company- Non-life Public Sector’’ at Dun & Bradstreet BFSI Awards, 2017
  • The company was awarded as ‘’General Insurance Company of the Year’’ and ‘’e-Business Leader-General Insurance’’ at Fintelekt Indian Insurance Awards, 2016
  • The company has received ‘’Golden Peacock Excellence Innovative Product Service Award’’ in 2016
  • The company was awarded as ‘’Best General Insurance Company’’ by ABP News
  • The company was awarded as ‘’ Claims Service Leader – Large Companies Category’’ at Fintelekt Indian Insurance Awards
  • The company was awarded as ‘’Best Health Insurer’’ at Outlook Money Awards

Types of Products Offered by the New India Assurance Company Limited

The New India Assurance Company offers a variety of products to cater to the need of every customer segment. Following is the categorisation of product offerings in the New India Assurance Company.

Health Insurance

  • Motor Insurance
  • Travel Insurance
  • Home and Content Insurance
  • Customised Business and SME Products
  • Aviation Insurance
  • Industrial Insurance
  • Liability Insurance
  • Miscellaneous Insurance
  • Rural Insurance
  • Marine Insurance

There are a variety of plans offered in each category. Let’s know about the plans in every product category.

The New India Health Insurance Plans

The New India Assurance offers a variety of health insurance plans to meet the diverse healthcare needs of individuals. 

List of Health Insurance Plans Offered by the New India Assurance Company

1. New India Asha Kiran Policy

The plan offers tailor-made coverage for parents with only one girl child. Second girl child (newborn) can be added later to the family floater policy by paying an additional premium on a pro-rata basis. This policy can be availed only as a family floater plan with coverage for a maximum of four members.

Features of New India Asha Kiran Policy

  • The policy offers comprehensive coverage for a family with a girl child by providing coverage for in-patient hospitalisation, pre and post hospitalisation, daycare procedures and personal accident and many other
  • The policy offers the additional benefit of hospital cash and critical care benefits by offering cover for 11 specified critical illnesses
  • Coverage for various daycare treatments such as coronary angioplasty, appendectomy, pacemaker insertion and urethrectomy etc.

2. New India Cancer Medical Expn – Individual

This policy is exclusively designed and offered to the members of the Indian Cancer Society aged below 70 years. The membership is available for non-cancer patients or potential cancer patients. Coverage under the policy is made available for the insured member and his/her spouse. Only allopathic treatments are covered under the policy. However, the policy can be extended to cover two dependent children on payment of additional premium.

Features of New India Cancer Medical Expn-Individual

  • During the policy term, if the insured member or his/her spouse contracts cancer, then the company will compensate for the cost of diagnosis, surgery, biopsy, radiotherapy, chemotherapy and hospitalisation to the extent of the sum insured
  • Cumulative bonus of 5% for each claim-free year up to a maximum of 50%
  • As an add-on benefit, the policy provides insured member and his/her spouse a benefit of free cancer check-up once and at a 50% discount for subsequent check-ups

3. New India Family Floater Mediclaim

Family floater mediclaim policy offered by The New India Assurance Company is a single comprehensive plan to cover the healthcare needs of the entire family i.e. self, spouse and dependent children with a single sum insured. 

Features of New India Family Floater Mediclaim Plan

  • The policy provides complete protection to the family by covering in-patient hospitalisation expenses, pre and post hospitalisation and various other benefits
  • The policy offers good health discount and loyalty discount
  • The policy provides coverage for ambulance charges
  • Coverage for pre-existing conditions like hypertension, diabetes and their complications can be availed after completion of two years of policy by paying an additional premium
  • The policy provides coverage for various daycare treatments and AYUSH (Ayurvedic/Yoga/Unani/Siddha/homoeopathy) treatments taken at the registered hospitals

4. New India Jan Arogya Bima Policy

This is an economical health insurance plan offered by The New India Assurance Company that aims to protect the healthcare needs of the poorer section of the society. The policy can be availed on an individual or family floater basis.

Features of New India Jan Aarogya Bima Policy

  • Comprehensive healthcare coverage is offered at a lower rate of premium. Coverage includes in-patient care, pre and post hospitalisation and domiciliary hospitalisation etc.

5. New India Janata Mediclaim Policy

The New India Janata Mediclaim policy offered by The New India Assurance Company is designed to provide basic healthcare protection to the people of the country. The coverage includes hospitalisation with various other benefits. The policy gives the flexibility to avail the cover both on individual or family floater basis.

Features of New India Janata Mediclaim Policy

  • Policy coverage includes in-patient treatment expenses, pre and post hospitalisation, daycare treatments, ambulance charges and Ayurvedic, Unani and Homeopathic treatments availed at the registered hospital
  • No claim bonus of 5% every year for each claim-free year
  • Coverage for pre-existing diseases like hypertension, diabetes, cholesterol and its complication can be availed after two years of the policy at an additional cost of the premium
  • The policy offers free health check-up benefits
  • The policy offers good health discount, family discount and loyalty discount along with cumulative bonus benefit 

6. New India Family Mediclaim 2012 Policy

This plan is a comprehensive family floater plan that helps you cover the entire family (self, spouse, dependent children and parents) in one policy. 

Features of New India Family Mediclaim 2012 Policy

  • The policy offers a family discount of 10% on premium
  • The benefit of cumulative bonus buffer and no claim discount are offered

7. New India Floater Mediclaim Policy

This is an umbrella plan which is designed to provide complete protection to the entire family by covering up to a maximum of six members. Coverage can be availed for self, spouse, parents and dependent children including a newborn baby.

Features of New India Floater Mediclaim Policy

  • The policy provides coverage for in-patient hospitalisation, pre and post hospitalisation, daycare and domiciliary hospitalisation and many.
  • 24 months of continuous coverage for a newborn baby for any injury or illness including post-natal expenses
  • The policy offers hospital cash benefits up to 0.1% of sum insured per day of hospitalisation and critical care benefits covering 11 specified critical illnesses
  • The policy offers continuity benefit which includes coverage for certain illnesses for being continuously covered

8. New India Global Mediclaim Policy

This plan can be availed by anyone having base health insurance coverage of INR.8 lakhs and above. However, non-availability of the base policy will not prejudice either the claim or renewal of the policy. The policy can be issued to Indian citizens residing in India alone. The cover is not allowed to NRIs, OCIs, PIOs or foreign nationals residing in India for employment.

Features of New India Global Mediclaim policy

  • Flexibility to choose the coverage from two types of plans – Plan A and Plan B
  • The policy covers specified treatments such as cancer surgery, neurosurgery, and coronary artery bypass graft (CABG) surgery, heart valve surgery, living organ donor transplant and bone marrow transplant
  • 5% discount on the premium rate is offered for insured’s having health insurance policy with the New India Assurance
  • The plan also covers medical second opinion and certain specialised treatments

9. New India Mediclaim Policy

The policy helps you avail complete protection for your family by covering all family members in one policy, with a separate sum insured for each insured person. The policy provides coverage for self, spouse, children and parents.

Features of New India Mediclaim policy

  • 24 months of continuous coverage for newborn baby
  • The policy provides cover for AYUSH (Ayurvedic, Homeopathic and Unani ) treatments
  • The policy offers additional benefits like hospital cash, ambulance charges and free health check-ups etc.
  • The benefit of cumulative bonus buffer
  • Discount on opting for voluntary co-pay

10. New India Premier Mediclaim Policy

The policy designed to provide extensive healthcare coverage for the entire family up to a maximum of six members. Coverage can be availed for self, spouse, dependent children and dependent parents. The policy comes with wider coverage with a large amount of sum insured offered.

Features of New India Premier Mediclaim Policy

  • Flexibility to choose the coverage from two different plans – plan A and plan B
  • The policy covers all hospitalisation expenses including organ donor expenses.
  • An additional benefit of hospital cash and critical care benefit for 11 specified critical illnesses is provided by the policy
  • The policy covers ambulance charges and Ayurvedic treatment expenses
  • Vital additional coverage provided by the policy are OPD treatments, maternity and child care cover, newborn baby cover, infertility treatment and coverage for HIV/AIDS
  • The policy provides the second opinion for major surgeries 

11. New India Sixty Plus Mediclaim Policy

The policy is exclusively designed for people above 60 years of age. Coverage can also be availed for a spouse under floater plan. At least one of the covered members should be a senior citizen.

Features of New India Sixty Plus Mediclaim Policy

  • The policy provides complete coverage against health uncertainties by covering in-patient hospitalisation, pre and post hospitalisation and many more.
  • The policy provides the attendant benefit of a maximum of INR. 800 per day 
  • 5% discount on the premium for single women senior citizens 

12. New India Top-up Mediclaim Policy

New India Top-up Mediclaim is an excellent complimentary plan which can be availed along with your base health insurance plan. Coverage can be availed on both individual and family floater basis. However, the plan can also be bought without a base health plan. But, the policy will respond only when the aggregate hospitalisation expenses of one or all members of the policy exceed the policy threshold limit.

Features of New India Top Up Mediclaim Policy

  • Covers in-patient hospitalisation expenses incurred in India along with other additional benefits like hospital cash, ambulance charges, AYUSH treatments etc.
  • Facility to enhance the sum insured and threshold at the time of policy renewal

13. New India Senior Citizen Mediclaim Policy

The policy is exclusively meant for senior citizens. The policy offers complete protection to senior citizens against unforeseen healthcare emergencies and issues. 

Features of Senior Citizen Mediclaim

  • The policy covers hospitalisation expenses, pre and post hospitalisation expenses, AYUSH (Ayurvedic/Homeopathic/Unani) treatments and ambulance charges
  • Family discount of 10% in case spouse is covered
  • Free health check once in a block of 4 claims free years
  • A discount of 10% for voluntary excess of INR. 10,000

15. New India Universal Health Insurance

Universal health insurance plan offered by the New India Assurance Company is a group plan which provides coverage for more than 100 families. Basically, the policy will be issued in the name of the Group/Association/institution with the eligible members included. Policy coverage is available for a person between 3 months to 65 years of age. Hospitalisation benefit provided is INR.30, 000 and accidental death benefit of INR. 25,000 per family.

The New India Motor Insurance Plans

Motor insurance is a compulsory requirement for any vehicle owner to drive on Indian roads as per the Motor Vehicle Act. Though third-party liability insurance is mandatory by law, having a comprehensive package plan is an important necessity. The New India Assurance offers comprehensive motor insurance plans.

1. New India Private Car Insurance Plan

The package policy offers complete protection to the private car with extensive coverage options. Following are the coverage offered:

  • Third-party liability cover: The policy provides coverage for the legal liability of vehicle owner in case of death, bodily injury or property damage caused to a third party in an accident
  • Fire, explosion
  • lightning or self-ignition
  • Riot and strike
  • Earthquake (fire and shock) damage
  • Flood, hurricane, inundation, typhoon, storm, tempest, hailstorm and cyclone
  • Malicious act
  • Terrorist act
  • Accidental external means
  • Whilst in transit by road, inland waterways, air, lift or elevator
  • Landslide/ Rockslide
  • Personal accident cover to owner-driver: The policy compensates for death or disability caused to owner-driver during an accident as per the scale specified
  • Add-ons with New India Private Car Insurance Plan

Apart from the comprehensive plan, the New India Assurance offers standalone covers also depending on the need.

2. New India Two Wheeler Insurance Plan

The New India Assurance offers comprehensive coverage for all types of scooters and motorcycles. Following is the coverage offered under package policy:

  • Third-party liability cover: The policy provides coverage for the legal liability of vehicle owner in case of death, bodily injury or property damage caused to the third party in an accident
  • Personal accident cover to owner-driver: The policy compensates for death or disability caused to the owner-driver during an accident as per the scale specified.

Add-ons are offered to extend the coverage which is optional and can be availed at an additional cost of the premium. Apart from the comprehensive plan, the New India Assurance offers standalone covers also depending on the need.

3. New India Commercial Vehicle Insurance Plan

The New India Assurance offers protection for all types of commercial vehicles. Package policy provides coverage against third party liability, damage or loss to the insured commercial vehicle along with the additional towing cover.

4. New India Standalone CPA cover

The policy provides compulsory personal accident cover for vehicle owners separately. Sum insured of the policy is INR. 15 lakhs. Compensation is payable as per the below scale –

The New India Travel Insurance Plans

1. new india overseas mediclaim (business and holiday).

The plans are specifically designed for frequent overseas travellers with business or leisure purpose. Policy needs to be availed prior to departure from India. Coverage can be availed on an individual or on a floater basis to cover the family trip.

Features of New India Overseas Mediclaim (Business and Holiday)

  • The policy offers flexibility to choose from six different coverage options 
  • Plan can be customised based on the purpose of travel, coverage requirement and travel destination
  • Initially, coverage is provided for 180 days which can be extended later for the period of 180 days subject to a declaration of good health.

Eligibility Criteria for New India Overseas Mediclaim (Business and Holiday)

2. New India Overseas Mediclaim Policy (Employment and Studies)

The policy is specifically crafted for Indian citizens currently residing abroad for the purpose of higher studies and employment. Policy needs to be availed prior to departure from India.

Features of New India Overseas Mediclaim Policy (Employment and Studies)

  • Flexibility to choose the coverage from three different plans offered in the policy
  • Contingency insurance up to 750 USD is provided to the students for each month of completion of study

Eligibility Criteria for New India Overseas Mediclaim Policy (Employment and Studies)

The New India Home and Content Insurance Plans

The New India Assurance Company offers a variety of plans to secure an individual’s one of the valuable possession, dream home and the loss or damage to its contents. Basically, the policy covers the cost of replacing or repairing the home contents such as furnishings, furniture, white goods and other important possessions from various perils. There are various plans offered which can be availed based on individual need. Following are the plans offered:

  • Griha Suvidha Policy (Tenants and Owners) Plan
  • Householder’s Policy
  • Fire Policy for Home (Safe Home) Plan
  • Baggage Insurance Plan
  • Personal Accident Plan
  • Personal Accident (Death and PTD) Plan

The New India Customised Business and SME Products

Managing risk is an important element for the success and survival of small and medium enterprises. Business insurance is the best and the only way to manage risk. Depending on the nature of the business, its industry and risk exposure, insurance requirements vary from enterprise to enterprise. The New India Assurance Company offers customised solution depending on the insurance requirement of the business. Following are the customised business and SME products offered by the company:

  • Jewellers Block Insurance Plan
  • ShopKeepers Insurance Plan
  • Plate Glass Insurance Plan
  • Neon Singh Insurance Plan
  • Multi Perils Policy for LPG Dealers Plan
  • Fidelity Guarantee Insurance Plan
  • Money Insurance Plan
  • Fire Declaration Insurance Plan
  • Burglary Insurance Plan

The New India Aviation Insurance Plans

Aviation insurance is specialised insurance offered by the New India Assurance Company which is designed to provide coverage to an aircraft from a series of risks that could cause loss or damage. There are various tailor-made plans offered to cater to the specific needs of customers. Following are the various plans offered by the company:

  • Aviation – Hull All Risk Plan
  • Aviation – Hull Deductible Plan
  • Aviation – Hull War Risk Plan
  • Aviation – Personal Accident Plan
  • Aviation for Spares All Risk Plan
  • Aviation Liability Insurance Plan
  • Aviation LOL (Group Named) Plan
  • Aviation PA (Group Named) Plan
  • Airline Hull Deductible Insurance Plan
  • Airline Hull Spares Liability Plan
  • Airline Hull War Excess Liability Plan

The New India Industrial Insurance Plans

The New India Assurance Company offers various industrial insurance plans that can provide comprehensive and extensive coverage for large-sized businesses. Risk exposures are many for large businesses. Industrial insurance plans offered by the New India Assurance Company provide all risk cover including a wide range of perils that could cause financial loss to the businesses. Following are the various plans offered under the category:

  • Machinery Insurance
  • Electronic Equipment Insurance
  • Marine Cum Erection Insurance
  • Contractors All Risks Insurance
  • Contractors Plant and Machinery 
  • Advance Loss of Profit Insurance

The New India Liability Insurance Plans

Businesses are always at the risk of liability claims pertaining to an injury, property damage or any loss arising out of premises and operations. Key personnel of the business are also at the risk of expensive liability claims. The New India Assurance Company offers a wide range of liability insurance plans to address the various risk management requirements of the businesses. Following are the liability insurance plans offered by the company:

  • Directors and Officers Liability Insurance Plan
  • Liability Insurance Act Policy
  • Package Liability Plan
  • Product Liability Plan
  • Professional Indemnity Plan
  • Public Liability – Industrial Plan
  • Standard Fire and Special Perils Plan

The New India Miscellaneous Insurance Plans

The New India Assurance Company offers a variety of other insurance plans that cover specific risks and protection against specific perils. Following are the plans offered under the category:

  • Bankers Indemnity Plan
  • Bhagyashree Insurance Plan
  • Carriers Couriers Legal Plan
  • Good Health Mediclaim Plan
  • Janata PA Sukshma Bima Policy
  • Large Risk Project Insurance Plan
  • Loss of Profit Insurance Plan
  • MIP2 – Cattle Sukshma Bima
  • MIP5 – Pig Sukshma Bima
  • MIP6 – Camel Sukshma Bima
  • New India Griha Suvidha Policy
  • Office Protection Plan
  • Office Protection Shield Plan
  • Other Miscellaneous Non Liability Policies
  • Package Policy
  • Portable Equipment Insurance Plan
  • Pravasi Bhartiya Bima Yojana
  • Raasta Aapatti Kavach Policy
  • Special Contingency Insurance Plan
  • Stand Alone Terrorism Plan
  • Stock Broker Indemnity Plan
  • Students Safety Package

The New India Rural Insurance Plans

The New India Assurance Company provides a wide range of insurance plan options for people living in the rural areas of the country in order to live a happy life. The plans are designed to provide coverage for their business such as farming, poultry, cattle etc. There is a plan for every need of people in the rural segment. Following are the plans offered by the company:

  • Animal Driven Cart Insurance Plan
  • Camel Insurance Plan
  • Cattle Insurance Plan
  • Dog Insurance Plan
  • Duck Insurance Plan
  • Elephant Insurance Plan
  • Epidemic Poultry Insurance Plan
  • E-product for Laghu Bima Cattle Plan
  • E-product for Laghu Bima Health Plan
  • E-product for Laghu Bima Hut Plan
  • E-product for Laghu Bima Personal Accident Plan
  • Farmers Package Insurance Plan
  • Gobar Gas Insurance Plan
  • Group Janta Insurance Plan
  • Honeybee Insurance Plan
  • Horse Donkey Pony Mule Insurance Plan
  • Horticulture or Plantation Insurance Plan
  • Hut Insurance Plan
  • Inland Fish insurance Plan
  • Janata Personal Accident Plan
  • Kisan Credit Card Yojana
  • Lift Irrigation Plan
  • Pedal Cycle Insurance Plan
  • Personal Gramin Insurance Plan
  • Personal Janta Insurance Plan
  • Pig Insurance Plan
  • Poultry Insurance Plan
  • Pump Set Insurance Plan
  • Rabbit Insurance Scheme Plan
  • Raj Rajeshwari Mahila Kalyan Yojana
  • Seeds Fertilizers Pesticides Insurance Plan
  • Sheep and Goat Insurance Plan
  • Silkworm Insurance Plan
  • Zoo and Circus Animal Insurance Scheme

The New India Marine Insurance Plans

The New India Assurance Company offers a variety of marine insurance plans. Marine insurance plans offered are designed to provide protection to business by covering the loss or damage to ships, cargo, terminals and the transport by which property is transferred, held or acquired from one point to another. The policies are offered to cover specific risks. Following are the plans offered by the company.

  • ALOP Insurance Plan
  • Annual Policy
  • Annual Turnover Policy
  • Charters Liability Insurance Plan
  • Duty Insurance Plan
  • Hull and Machinery Insurance Plan
  • Marine Builders Risk Insurance Plan
  • Marine Hull – War Risk Insurance Plan
  • Marine Ship Repairs Liability Insurance Plan
  • Offshore Energy Policy
  • Open Cover Agreement Policy
  • Open Cover Certificate Policy
  • Open Policy
  • Port Package Policy
  • Seller’s Interest Insurance Plan
  • Ship Breaking Insurance Plan
  • Specific Voyage Policy
  • Tea Crop Insurance Plan
  • Voyage Insurance Plan

How to Buy the New India Assurance Company’s Insurance Plans?

You can purchase insurance plans of the New India Assurance Company via both online and offline mode. Offline plans are sold by the insurance company directly at the branch offices or can even be purchased through insurance advisors.

Many plans can be bought easily on an online platform. These plans are sold on the website of the New India Assurance Company with simple buying processes to follow.

However, the easiest approach for buying would be Turtlemint platform wherein you can compare various health and motor insurance plans and buy the best suitable plan offered by the New India Assurance Company. Following is the simple process to buy health insurance plans of the New India Assurance Company online through Turtlemint –

  • Go to  Turtlemint  and choose the category of insurance plan that you would want to purchase
  • Age of the members whom you want a cover
  • Information about pre-existing illnesses
  • The annual income level of the family
  • Are PIN code
  • Based on your details, a list of some of the best health insurance plans available in the market are displayed
  • You can select the best suitable plan after comparison
  • Once you choose a plan, you need to fill in the online application form
  • Once the details are filled, proceed for premium payment online
  • Once the application is filled and payment is done, you can buy the plan easily
  • Enter the vehicle number or you can continue without vehicle number 
  • Make and model
  • Manufacturing year
  • Expiry date
  • Previous policy type
  • Details of previous claims
  • No claim bonus on previous policy
  • The insurer of previous policy
  • Contact information
  • After providing details, a list of the best motor insurance plans available in the market are displayed
  • You can compare and choose the best suitable car or bike insurance plan for you
  • Pay premium online
  • Once the premium payment is made, you would be able to buy the plan easily

The Renewal Process for Insurance Plans of the New India Assurance Company

Renewing the insurance plans of the New India Assurance Company is quite simple and easy. Following are the steps for renewing the policy online through the company’s website –

  • Log on to the company’s website and click on ‘renew online’ option in home page
  • Provide your policy details and pay the premium online. Once the payment is done policy would be renewed

Renewal of the New India Assurance Company’s health and motor insurance plans can also be renewed through Turtlemint online. If you have purchased a policy through Turtlemint, you would be having user credentials. Log in with your user details and access the existing policy details on the portal. Click on the ‘renew’ option and pay the renewal premium. Your policy would be renewed easily.

Claim Process for Plans of the New India Assurance Company

The claim process for insurance plans of the New India Assurance Company is quite convenient, simple and quick. The process varies for each category of products. Let’s take a look at the claim process for main categories like motor and health insurance plans.

1. Health Insurance Plan

Health claims are settled in two ways by the New India Assurance Company depending on the treatment available at network and non-network hospitals.

  • Place the cashless request with TPA (third party administrator) of the insurer 
  • The hospital needs to submit the relevant documents along with the insured’s ID to get the approval
  • Claim form duly filled and signed
  • The discharge summary from the hospital
  • Surgeon’s certificate
  • Doctor’s consultation reports
  • Bills, receipts and cash memos from hospital
  • Diagnostic test reports
  • Once documents are verified, the claim amount will be directly settled with the hospital
  • Reimbursement Health Insurance Claim Process

In case of hospitalisation is availed in non-network hospitals where expenses are to be borne by the insured at the time of discharge which can be claimed later with the insurer

  • Make claim intimation to the insurance company
  • Submit all the original documents collected from the hospital at the time of discharge along with the claim form
  • Once the documents are reviewed and verified, the insurer will intimate you on claim status
  • If the claim gets approved, the payment of claim will be made within a specified time

2. Motor Insurance Claim Process

Motor insurance claims can get easily settled with the cashless facility and quicker process. Following are the important steps to follow

  • Intimation to the insurance company immediately on the occurrence of the event
  • File First Information Report (F.I.R) with the police department immediately in case of theft and third party accidental injuries and death
  • Take the vehicle to the nearest preferred network garage to avail cashless facility. Information is available on the company website
  • Claim form filled and duly signed
  • Copy of original motor insurance policy
  • Copy of driver’s license
  • Copy of Registration book 
  • Repair estimation report
  • Receipts of bill payment, etc.
  • Surveyor will submit the repair cost estimation report to the company based on which company will consider the claim for approval.
  • Payment of claims will be directly made to the network garage.
  • In case of reimbursement, submit all final bills or cash memos to the insurer to get the claim amount reimbursed

For any other queries, you can contact Turtlemint support team on 1800-266-0101 or the New India Assurance Company.

Company Address and Contact Information –  the New India Assurance  Company

Address: The New India Assurance Company Limited, #87, M.G.Road, Fort, Mumbai 400 001

Toll-Free Number: 1800 209 1415

Email: [email protected]

FAQ’s

How to make premium payments for insurance plans of the New India Assurance Company? What are the modes available for payment?

Premiums for Insurance plans of the New India Assurance Company can be paid online using below payment methods –

  • Net banking
  • Credit card

However, payment can also be done offline through the below ways –

  • Company branch
  • Payment collection centre
  • Cash/ cheque collection centres

Insurance agents/brokers of the New India Assurance Company

What is the list of critical illnesses covered by The New India Assurance Company’s health insurance plans that offer critical care benefit?

Critical care benefit offers cover for 11 specified critical illnesses. Following are the critical illnesses covered by The New India Assurance health insurance plans –

  • First heart attack of specified severity
  • Open heart replacement or repair of heart valves
  • Open chest CABG
  • Coma of specified severity
  • Stroke resulting in permanent symptoms
  • Permanent paralysis of limbs
  • Major organ/bone marrow transplant
  • Kidney failure requiring regular dialysis
  • Multiple sclerosis with persisting symptoms
  • Motor neurone disease with permanent symptom

What are the tax benefits offered by The New India Assurance Company’s health insurance plans?

Health insurance plans of the New India Assurance Company offer tax benefits under Section 80D of the Income Tax Act, 1961 for the premiums paid. This is applicable for coverage availed not only for self but also for the family including spouse, dependent children and parents. Following are the benefits offered by the health plans –

What is co-payment?

Co-payment is a concept of cost-sharing, wherein insured is required to pay a certain percentage or fixed amount out of admissible claim cost and the remaining will be paid by the insurance company. Co-pay charges can be service or treatment specific.

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Policy Cancellation & Refund

Policy cancellation and refund of the premium shall be as per the terms & conditions of the policy. The refunds are processed by the Insurance Company directly. You are requested to contact the toll free number of your Insurance Company or refer the respective section of your Policy terms and conditions. You can also call us at our toll free number 1800-266-0101 or write a mail to us at [email protected] . We shall be available to guide/assist you.

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Air India Expands European Network

Published on June 24, 2024. EST READ TIME: 2 minutes

Air India Expands European Network

Air India is set to commence non-stop flights from Delhi to Zurich on June 16, 2024. This new addition marks the airline's entry into the Swiss market and is part of its broader strategy to expand its European operations. The Zurich route will provide Indian travelers with more options for direct flights to Europe, enhancing connectivity and convenience. This move aligns with Air India's goal to meet the growing demand for international travel and strengthen its presence in key global markets. The new service is expected to boost tourism and business travel between India and Switzerland, fostering closer economic and cultural ties.

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BFSI Leadership Awards 2022 - Product Innovator of the Year (Optima Secure)

ETBFSI Excellence Awards 2021

ETBFSI Excellence Awards 2021

FICCI Insurance Industry Awards September 2021

FICCI Insurance Industry Awards September 2021

Icai awards 2015-16.

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SKOCH Order-of-Merit

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Best Customer Experience Award of the Year

Icai awards 2014-15.

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CMS Outstanding Affiliate World-Class Service Award 2015

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iAAA rating

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Best Insurance Company in Private Sector - General 2014

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Insillion insurtech platform enables royal sundaram general insurance to integrate with india's largest ticketing site, irctc to issue 500k policies per day.

NEW YORK , June 24, 2024 /PRNewswire/ -- INSILLION, a leading Insurtech SaaS platform, has announced a significant partnership that will transform the way travel insurance is delivered. Royal Sundaram General Insurance (RSGI), a prominent Property & Casualty insurer based in India , has integrated with the Indian Railway Catering and Tourism Corporation (IRCTC) to enable embedded Group Personal Accident (GPA) policies to be offered alongside e-ticket purchases through INSILLION's API platform.

IRCTC is a public sector enterprise under the Ministry of Railways in India and operates one of the largest travel websites in the Asia-Pacific region. It has over 12 million unique visitors per month, making it one of India's most visited websites. In a notable achievement, during a high-traffic day, RSGI has issued 640,000 policies covering over 1.4 million passengers, with a peak hourly rate of 30 policies per second during the Tatkal rush period.

To meet the stringent requirements of a highly scalable solution, RSGI partnered with INSILLION to rapidly launch an embedded insurance offering leveraging their API platform and cloud architecture.

Sai Lakshmidar, Chief Product Officer at INSILLION, highlighted the technical complexity, stating, "To deliver a seamless user experience, the underlying technology architecture must be robust. Scaling to meet extreme demand was the crucial challenge that required rethinking our entire approach. Enabling this integration with RSGI was an invaluable learning experience in optimising for high-availability through Amazon Web Services Cloud to embed fixed-benefit products."

Dheepak Rajoo, Chief Information Officer at RSGI, summed it up perfectly. He said, "Our collaboration with INSILLION allowed us to successfully implement a highly scalable solution with minimal investment, empowering us to capitalise on the embedded insurance opportunity through the IRCTC portal."

About INSILLION

INSILLION is a market-leading provider of insurance sales and underwriting technology solutions across India , the MENA region and APAC, and is now expanding into North America . With over two decades of industry experience, more than 40 global insurance carriers have chosen INSILLION to modernise, transform and scale their operations. INSILLION empowers carriers and MGAs with a cloud-based, low-code/no-code platform driven by APIs, enabling the rapid creation and distribution of insurance products.

For more information, please visit: https://us.insillion.com/

Jose Rajan [email protected] +91 89395 49342

Logo: https://mma.prnewswire.com/media/2340201/4544223/Insillion_Logo.jpg

View original content: https://www.prnewswire.com/news-releases/insillion-insurtech-platform-enables-royal-sundaram-general-insurance-to-integrate-with-indias-largest-ticketing-site-irctc-to-issue-500k-policies-per-day-302180248.html

SOURCE INSILLION

  • Best overall
  • Best for affordability
  • Best for seniors
  • Best for expensive trips
  • Best for exotic locations
  • How we reviewed cruise insurance plans

Best Cruise Travel Insurance of June 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

A cruise vacation can take much of the stress out of planning a vacation. With a pre-set itinerary on the high seas, you don't have to worry about how you're getting to your destination and what you're going to do there. However, an unexpected emergency can take the wind out of your sails and money out of your travel budget. So you'll want to ensure you have the best cruise insurance plan that won't leave you high and dry in an emergency.

Best Cruise Insurance Plans

  • Best overall: Nationwide Travel Insurance
  • Best for affordability: AXA Assistance USA
  • Best for seniors: Seven Corners Travel Insurance
  • Best for expensive trips: HTH Worldwide Travel Insurance
  • Best for exotic locations: World Nomads Travel Insurance

Compare the Best Cruise Travel Insurance Companies

While booking a cruise takes off much of the pressure when coming up with itineraries, your trip can still encounter several hitches, which is where cruise travel comes in. The best cruise travel insurance will have high coverage limits on emergency medical evacuations, as sea to land evacuations can be expensive. They'll offer coverage for baggage delay, trip interruption, and it might be a good idea to have some adventure sports coverage if you plan on participating in any outdoor activities like snorkeling or scuba diving. 

Here are our picks for the best cruise travel insurance companies in 2024.

Best Cruise Insurance Overall

Nationwide travel insurance.

Nationwide Travel Insurance  is a long-standing and reputable brand within the insurance marketplace that offers cruise insurance plans with solid coverage and reasonable rates.

It has three cruise insurance options: Universal, Choice, and Luxury. The Nationwide Choice plan, for example, offers $100,000 in emergency medical coverage and $500,000 in emergency medical evacuation coverage.

The right plan for you depends on your budget and coverage needs. But each plan offers cruise-specific coverages like ship-based mechanical breakdowns, coverage for missed prepaid excursions if your cruise itinerary changes, and covered service disruptions aboard the cruise ship.

Read our Nationwide Travel Insurance review .

Nationwide Nationwide Travel Insurance

  • Trip cancellation coverage of up to 100% of trip costs (for cruises) or up to $30,000 (for single-trip plans)
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Three cruise-specific plans to choose from
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual travel insurance plans available
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong trip cancellation coverage
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancel for any reason coverage available
  • con icon Two crossed lines that form an 'X'. CFAR insurance not available with every single plan
  • con icon Two crossed lines that form an 'X'. Medical coverage is lower than what some competitors offer

Nationwide Travel Insurance offers many of the standard benefits you might see with a travel insurance policy. This can include things like trip cancellation coverage, so you can recover pre-paid costs or trip interruption in the event your vacation is interrupted by an unexpected event. There's also baggage delay coverage and medical coverage.

  • Cancel for any reason coverage available

Best Cruise Insurance for Affordability

Axa travel insurance.

AXA Assistance USA  offers three comprehensive coverage plans: Gold, Silver, and Platinum. Each of these plans offers coverage for issues like missed flights, medical emergencies, lost luggage, and more.

The highest-tier Platinum plan provides $250,000 in medical emergency coverage and $1 million in medical evacuation coverage. The baggage loss coverage is $3,000 per person, and their missed connection coverage is $1,500 per person for cruises and tours.

In addition, travelers can take advantage of AXA's concierge service, which provides an extensive network of international service providers. They'll be able to assist you with things like restaurant reservations and referrals, golf course information, and more. This service could come in handy if you're stopping at a variety of unfamiliar destinations during your cruise.

The coverage limits on AXA's policies are on the higher end compared to other providers. And you can buy coverage for a little as 4% of your trip cost depending on your age, travel destination, and state of residence.

Read our AXA Travel Insurance review .

AXA AXA Assistance USA

  • Trip cancellation coverage of up to 100% of the trip cost
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous medical evacuation coverage
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1,500 per person coverage for missed connections on cruises and tours
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Covers loss of ski, sports and golf equipment
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous baggage delay, loss and trip delay coverage ceilings per person
  • con icon Two crossed lines that form an 'X'. Cancel for any reason (CFAR) coverage only available for most expensive Platinum plan
  • con icon Two crossed lines that form an 'X'. CFAR coverage ceiling only reaches $50,000 maximum despite going up to 75%

AXA Assistance USA keeps travel insurance simple with gold, silver, and platinum plans. Emergency medical and CFAR are a couple of the options you can expect. Read on to learn more about AXA.

  • Silver, Gold, and Platinum plans available
  • Trip interruption coverage of up to 150% of the trip cost
  • Emergency medical coverage of up to $250,000

Best Cruise Insurance for Seniors

 seven corners travel insurance.

Seven Corners Travel Insurance lets cruisers enjoy traveling in their golden years with the knowledge they're covered in the event of an accident or emergency. While other providers do offer coverage to those 80+ years old, Seven Corners is known for its affordable premiums while offering above-average medical expenses and medical evacuation coverage limits — two areas of travel insurance coverage that are even more important as we get older.

Seven Corners also offers the option of a pre-existing conditions waiver and CFAR insurance at an additional cost, plus "Trip Interruption for Any Reason" coverage, which you won't find on many policies.

You can choose between the Trip Protection Basic or Trip Protection Choice plans, with the higher-tier Choice plan costing more but providing more coverage.

Read our Seven Corners Travel Insurance review . 

Seven Corners Seven Corners Travel Insurance

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Diverse coverage options such as CFAR, optional sports equipment coverage, etc.
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Available in all 50 states
  • con icon Two crossed lines that form an 'X'. Prices are higher than many competitors
  • con icon Two crossed lines that form an 'X'. Reviews around claims processing are mixed
  • Trip cancellation insurance of up to 100% of the trip cost
  • Trip interruption insurance of up to 150% of the trip cost
  • Cancel for any reason (CFAR) insurance available

Best Cruise Insurance for Expensive Trips

Hth worldwide travel insurance.

HTH Worldwide Travel Insurance  offers three levels of trip protection: TripProtector Economy, Classic, and Preferred. The higher the tier, the more coverage you'll get for things like baggage delays, trip delays & cancellations, and medical expenses. But their premiums remain reasonable even at the highest tier of coverage.

Not only does the HTH Worldwide Trip Protector Preferred plan offer higher-than-average medical emergency and evacuation coverage limits ($500,000 and $1 million, respectively), but you'll also get a baggage loss coverage limit of $2,000 per person and coverage for trip interruption of up to 200% of the trip cost. You also have the option to add CFAR coverage for an additional cost, as long as you purchase within 21 days of your initial trip deposit.

Read our HTH Worldwide Travel Insurance review .

HTH Worldwide HTH Worldwide Travel Insurance

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Three plans to choose from
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Reasonable premiums
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. CFAR coverage available with some plans
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. High medical emergency and evacuation coverage
  • con icon Two crossed lines that form an 'X'. Special coverages for pets, sports equipment, etc not available
  • con icon Two crossed lines that form an 'X'. Limited reviews with complaints about claims not being paid
  • Trip cancellation of up to $5,000 with the Economy plan and up to $50,000 with the Preferred plan
  • Cancel for any reason insurance and missed connection insurance available with the Preferred plan
  • Baggage delay insurance starting after 24 or 12 hours depending on the plan

Best Cruise Insurance for Exotic Locations

World nomads travel insurance.

World Nomads Travel Insurance  has been a top choice for comprehensive travel insurance for many years now. And it's a great option when it comes to cruise coverage, too.

Even the most basic Standard Plan comes with $100,000 in medical emergency coverage and $300,000 in emergency evacuation coverage. And you'll get higher coverage limits with their Premium Plan. Plus, unlike many other providers, World Nomads trip cancellation and emergency medical coverage include COVID-19-related issues.

What sets World Nomads apart from many other insurance companies is that its policies cover 200+ adventure sports. This can be important for adventurous cruisers who plan to take part in activities like jet skiing, scuba diving, or parasailing during their cruise.

Read our World Nomads Travel Insurance review .

World Nomads World Nomads Travel Insurance

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage for 200+ activities like skiing, surfing, and rock climbing
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Only two plans to choose from, making it simple to find the right option
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can purchase coverage even after your trip has started
  • con icon Two crossed lines that form an 'X'. If your trip costs more than $10,000, you may want to choose other insurance because trip protection is capped at up to $10,000 (for the Explorer plan)
  • con icon Two crossed lines that form an 'X'. Doesn't offer coverage for travelers older than 70
  • con icon Two crossed lines that form an 'X'. No Cancel for Any Reason (CFAR) option
  • Coverage for 150+ activities and sports
  • 2 plans: Standard and Explorer
  • Trip protection for up to $10,000
  • Emergency medical insurance of up to $100,000
  • Emergency evacuation coverage for up to $500,000
  • Coverage to protect your items (up to $3,000)

Introduction to Cruise Insurance

Cruise insurance may offer unique coverage like missed port of call and medical evacuation coverage. You might not need the flight protections of a regular travel insurance plan if you're catching a cruise at a port near you, but medical and cancel for any reason coverage could be critical. The best travel insurance plans will provide flexibility to add coverage options to fit your travels needs.

Understanding the Basics of Cruise Insurance

At its core, cruise insurance is your financial lifeboat, designed to protect you from unforeseen events that could disrupt your sea voyage. Whether it's a sudden illness, adverse weather, or other unexpected occurrences, having the right insurance can make a world of difference.

Why Cruise Insurance is Important

Picture this: You're all set for your dream cruise, but a sudden family emergency means you can't set sail. Or worse, you fall ill in the middle of the ocean. Without cruise insurance, you're not just missing out on an adventure, but also facing potentially huge financial losses. That's why securing cruise insurance isn't just recommended; it's a crucial part of your cruise planning.

Types of Cruise Insurance Coverage

Cruise insurance isn't a one-size-fits-all life jacket. There are various types of coverage, each tailored to protect different aspects of your cruise experience.

Trip Cancellation and Interruption Coverage

This coverage is like your safety net, catching you financially if you need to cancel your trip last minute or cut it short due to emergencies, be it due to personal, health-related, or even certain work conflicts. Interruption coverage should also include coverage for missed stops on your cruise.

Medical Coverage

Being on a cruise shouldn't mean being adrift from medical care. Travel medical coverage ensures that if you fall ill or get injured, your medical expenses won't sink your finances. 

When you purchase travel medical insurance, be sure to note whether your coverage is primary or secondary. Secondary insurance means you'll need to file a claim with your primary insurance provider before filing with your travel insurance provider. 

Emergency Evacuation Coverage

In the rare case that you need to be evacuated from the ship due to a medical emergency or severe weather, this coverage ensures you're not left adrift in a sea of expenses. You'll want high coverage limits for emergency evacuation, as sea-to-land evacuations can be costly. 

Baggage and Personal Effects Coverage

Imagine reaching your dream destination only to find your luggage lost at sea. This coverage ensures that lost, stolen, or damaged baggage doesn't dampen your cruise experience. It'll reimburse you for any money you spent replacing items while traveling. 

Adventure Sports Coverage

Cruises often offer activities that can be classified as adventure sports, such as snorkeling and scuba diving. Medical treatment for injuries sustained while participating in these activities isn't normally covered under normal travel medical coverage. You'll want to ensure that your policy explicitly includes these policies or offers an add-on for adventure sports coverage. 

Tips for Buying Cruise Insurance

Securing the best cruise insurance isn't just about finding the best price; it's about ensuring it covers all your potential needs. 

When to Purchase Cruise Insurance

It's always best to purchase cruise insurance soon after placing the initial deposit on your cruise. The sooner you buy your insurance, the quicker your trip is protected against a sudden cancellation. Additionally, most travel insurance plans have optional riders you can add to your policy as long as you purchase your policy within a certain window.

For example, cancel for any reason coverage often needs to be purchased within a purchasing window, which can last anywhere between a few days to three weeks from your initial trip deposit. You can also get your pre-existing conditions covered under the same conditions. 

That said, most companies will let you buy travel insurance up until the day before your departure. There are some limited policies that you can purchase after you've left for your trip, such as Allianz OneTrip Emergency Medical  policy.

How to Find the Best Deals on Cruise Insurance

Keep a lookout for deals, but remember, the cheapest option isn't always the best. Balance cost with coverage, and ensure you're getting the protection you need at a price that doesn't rock your financial boat. A travel insurance comparison site like VisitorsCoverage and InsureMyTrip are good places to compare multiple quotes from all of the major carriers at once.

Why You Should Trust Us: How We Reviewed Cruise Insurance Plans

When comparing cruise travel insurance providers, we evaluated them based on the following criteria to come up with our list of top picks:

Customer Satisfaction

We look at ratings from JD Power and other industry giants to see where a company ranks in customer satisfaction. We also look at customer review sites like Trustpilot and SquareMouth.

Policy Types

We look at policy types and offerings, from standard travel protections to adventure sports coverage. We look at the amount of insurance offered

Average Premiums

We compare average premiums per trip. Some companies also offer annual plans, and we compare policies accordingly.

Claims Paid

How frequently do companies pay claims easily and quickly? We check customer reviews and other resources to see which companies honor policies most effectively.

We look at the company's overall behavior. Is it operating ethically? Companies can earn additional points for such behaviors.

You can read more about how Business Insider rates insurance here.

Best Cruise Travel Insurance FAQs

As a rule of thumb, you can expect to pay between 5% and 10% of your prepaid, nonrefundable trip expenses for cruise insurance coverage. The price will vary depending on factors like your age, your travel destination, and whether you require additional coverage.

Cruise insurance typically covers trip cancellations, interruptions, medical emergencies, emergency evacuations, and lost or damaged baggage, though coverage can vary based on the policy

Your options for travel insurance is severely limited after your trip starts, but you still have a few options.

The difference between traditional travel insurance and cruise insurance is that cruise insurance offers more specialized coverage, for situations such as missing a departure port and more coverage for medical evacuations, since it's more expensive to evacuate someone at sea than on land. 

Most cruise insurance includes coverage for missing a departure port, so you should be able to claim for a missed port. Just make sure you check the details of your policy before you file a claim and before you travel, so you know what compensation you're entitled to.

new india travel insurance

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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new india travel insurance

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New India Mediclaim Policy (Cashless facility available)

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Health Insurance Policy

  • Customer Information Sheet (43 KB)
  • Proposal Form (518 KB)
  • Prospectus (748 KB)
  • Claim Form (159.94 KB)
  • Policy Clauses (1.05 MB)
  • Final Premium New India Mediclaim (545 KB)
  • List of Excluded items (417 KB)

Product Highlights

New India Mediclaim policy is available to persons between the age of 18 years and 65 years. Children are also covered under the policy from age of 3 months to 25 years provided they are financially dependent. Lifelong renewal is available provided the policy is renewed on time. The Proposer can choose Sum Insured from INR 1,2, 3, 5, 8, 10, 12 and 15 Lakhs (4,6,7 Lakh Sum Insured bands are only available for renewals). Insured persons will be covered under a single dedicated Sum Insured.

Highlights of this Policy

  • Cumulative Bonus @25% SI for claim free year with Max 50% of SI.
  • Health Check Up for every 3 claim free years
  • New Born Baby cover
  • Cataract, up to 20% of Sum Insured or INR 50,000, whichever is less, for each eye.
  • Expense incurred for Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy system of medicines are covered 100% of Sum insured.
  • Medical Expenses for Organ transplant are payable.
  • Ambulance Charges at the rate of 1% of the Sum Insured.
  • Hospital Cash at the rate of 0.1% Sum Insured per day, up to a maximum of 1% Sum Insured.
  • For Pre Existing Diseases Waiting period is 48 Months as per clause 4.1 of the policy document
  • For specified diseases waiting period is 24 months as per clause 4.3.1 of the policy document
  • 139 Day Care procedures are covered under this policy
  • Optional Cover I:  No Proportionate Deduction
  • Optional Cover II:  Maternity Expenses Benefit for Sum Insured 5 Lakhs and Above (Maximum of 10% of the average SI of the Insured Person in the preceding three years)
  • Optional Cover III:  Revision in Limit of Cataract (For 8 Lakhs & above SI revised limit for Cataract will be 10% of the Sum Insured)
  • Optional Cover IV:  If Voluntary Co-Pay of 20% is chosen then 15% discount on premium will be given on the premium payable for the Insured person
  • Optional Cover V: For Non-Payable Items for covering consumables as per List I with additional premium for SI 8 L & above

PREMIUM CHART: (Please refer to the prospectus for optional covers premium)

* Kindly refer to policy clause/prospectus for detailed information

We wish to bring to your notice that the terms & conditions of "New India Mediclaim Policy (NIAHLIP23187V052223) shall be applicable for the all renewals falling due on or after 1st July 2023 and for Fresh Policies wef 1st April 2023

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  2. Buy Overseas Travel Insurance

    Eligibility. Age Limit: 6 months and above upto 70 years. Policy is to be taken prior to departure from India. Medical Reports are required for: Trip is for period over 60 days and if. insured person is over 60 yrs of age visiting USA/Canada. insured is over 70 yrs of age and visiting countries other than USA/Canada.

  3. New India Assurance: Types Of Plans, How To Buy 2024

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    The New India Assurance Co. Ltd. is a Government owned multinational general insurance company. The company operates in 27 countries and is considered to be the largest insurance company on the basis of the premiums collected, net worth and profit recorded in 2014-2015.

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    The New India Assurance Co. Ltd. is a 100% Government owned multinational General Insurance Company. The company operates in 28 countries, headquartered at Mumbai and is considered to be the largest insurance company on the basis of the premiums collected, net worth and profit recorded in the financial year 2014-2015.

  10. New India Assurance Overseas Mediclaim Insurance Policy, Overseas

    Key features of New India Assurance International travel insurance. New India, founded by Sir Dorabji Tata in 1919, a Multinational General Insurance Company, today operates in 28 countries and headquartered at Mumbai, India. Our global business crossed Rs. 26607 crores in March 2019 and have been market leaders in India in Non-Life business ...

  11. Travel Insurance for India: Our Best Options in 2024

    Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others. Customer support: FAQ, live chat, phone support. Pricing range: USD 80 to USD 420 /traveller /month. Insurance underwriter: David Shield Insurance Company Ltd.

  12. Travel Insurance For a Trip to India (2024)

    The below quotes are for a 30-year-old traveler from Florida, traveling to India for ten days in September 2024, with a total trip cost of $4,000. Policies include coverage for cancellations ...

  13. Overseas_Mediclaim_Insurance_Policy_Business_Holiday

    Avail travel insurance for overseas business and holiday travel needs from New India Assurance's Overseas Mediclaim Insurance Policy to cover extensive scenarios. ... Travel Insurance Policy. Downloads. Do's and Dont's (122.19 KB) Proposal Form (3.47 MB) Policy Clauses (132.51 KB) Claim Form (323.97 KB) Buy Now.

  14. The New India Assurance

    Welcome to The New India Assurance Co. Ltd. - India's premier general insurance company. Established in 1919, we have been providing reliable insurance coverage to individuals, families and businesses for over a century. With a comprehensive range of insurance products and services, we are committed to meeting the diverse needs of customers ...

  15. India Travel Insurance: Quotes & Requirements for U.S. Visitors

    Silver. $69. $2k / $2k. $25k / $100k. It's important to note that the cost of India travel insurance is different for everyone. Providers base your policy premium on factors such as: Age. Trip ...

  16. New India Travel Insurance

    This New India Assurance travel insurance policy covers all types of transportation modes like by train, by bus, by water, by air, or by own vehicle. Policy Benefits. This New India travel insurance policy covers all the journeys within the country. The travel insurance plan covers even if you are travelling by your own vehicle.

  17. Travel Insurance: Buy Travel Insurance Policy Online in India 2024

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  18. Travel Insurance for India

    Buy travel insurance for India trips online at InsureMyTrip.com! Get visitors insurance quotes & compare coverages for families or individuals today! 800-487-4722. ... U.S. Embassy and Consulate in India. New Delhi — U.S. Embassy New Delhi Shantipath, Chanakyapuri New Delhi - 110021 India Phone: 011.91.11.2419.8000;

  19. New India Assurance Travel Insurance Reviews & Rating

    Faisal. ★★★★★. Pune. May 13, 2016. Above Average. New india assurance travel insurance plan is the best. The policy coverage is huge but not for the tickets returns. The claims are high too and the claiming part is easy due to fast service facilitate by the executives and the staff members. Good job, I like it.

  20. New India General Insurance Plans

    The New India Travel Insurance Plans 1. New India Overseas Mediclaim (Business and Holiday) The plans are specifically designed for frequent overseas travellers with business or leisure purpose. Policy needs to be availed prior to departure from India. Coverage can be availed on an individual or on a floater basis to cover the family trip.

  21. PDF The New India Assurance Co. Ltd

    This document explains how OVERSEAS TRAVEL EASE POLICY (BUSINESS & HOLIDAY) comprehensively cover Your overseas travel. In this document the word 'You', 'Your' means you, the Insured under the Policy. 'We', 'Our', 'Us' means New India Assurance Co. Ltd. This policy is NOT a General Health Insurance policy.

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  23. Air India Expands European Network

    Air India will launch non-stop flights from Delhi to Zurich starting June 16, 2024. This new route aims to strengthen Air India's European network and provide enhanced connectivity for travelers between India and Switzerland

  24. INSILLION Insurtech Platform enables Royal Sundaram General Insurance

    NEW YORK, June 24, 2024 /PRNewswire/ -- INSILLION, a leading Insurtech SaaS platform, has announced a significant partnership that will transform the way travel insurance is delivered.

  25. Trip delay insurance: What does it cover?

    In our study of the best travel insurance plans, we found that plans typically offer per-person travel delay limits of $500 to $5,000 and daily limits of $100 to $300. Example of how trip delay ...

  26. Best Cruise Travel Insurance of June 2024

    HTH Worldwide Travel Insurance. ... the customer must complete a direct deposit with a minimum initial deposit of $250 in a new SoFi Checking and Savings account within 45 days of clicking to ...

  27. Health Insurance Online

    New India Mediclaim policy is available to persons between the age of 18 years and 65 years. Children are also covered under the policy from age of 3 months to 25 years provided they are financially dependent. Lifelong renewal is available provided the policy is renewed on time. The Proposer can choose Sum Insured from INR 1,2, 3, 5, 8, 10, 12 ...