India is a country that satisfies your wanderlust. Snow-capped mountains, exotic beaches, bustling markets, grand architecture, rich history, vibrant festivals and delicious cuisine can satisfy everything you ever wanted from a holiday. Travelling across India means not having to adjust to different time zones. There are zero worries about incompatible power adapters, food complications or unfamiliar cultures. People are approachable and places seem familiar. However, you must still consider insurance and riders to make your trip safe and tension-free.
Domestic travel insurance takes care of certain risks. You do not have to worry about finances if you fall ill, miss your flight or lose your checked in bags. The cover protects you as per the inclusions mentioned in the policy. Adding riders makes the insurance even wider and keeps you safe from more incidents.
Riders/Add-Ons Available with a Domestic Travel Insurance
Adding a rider with domestic travel insurance caters to unforeseen situations without having to spend a fortune. The rates are typically economical, so you do not surpass your travel budget.
Here’s a look at riders offered with domestic travel policies:
Pilgrimage Rider: This is a separate cover with your base policy for accidents or losing out on valuable documents like PAN or Aadhaar Cards while on a spiritual journey. A few plans also provide hotel assistance or card-blocking services in the event of fraud.
Maternity Rider: Pregnancy is not considered a medical condition and is usually not covered by standard travel insurance policies. It will cover medical interventions, medication and hospital expenses in case of an emergency related to your pregnancy.
Pre-Existing Illness Rider: Travel insurance plans usually do not cover pre-existing diseases. This includes ailments like heart disease, cancer, asthma and back pain. It is a good idea to consider this domestic travel rider to save yourself from the financial burden of treatment while you are on holiday. You can even receive cashless treatment in hospitals that are on the network list of the insurer.
Adventure Sports Rider: There are travel insurance plans that cover high-risk activities. If not, consider adding this domestic travel rider. It will cover any action that involves high physical exertion, height, or speed. A non-professional participating in these acts under supervision will also be supported.
Benefits of Insurance and Riders
In simple words, riders compensate travellers for additional expenses that may crop up due to unforeseen incidents. You can get instant medical help or get your money back for missed flights. The process of adding riders is extremely easy and fast. Simply visit the official website of your insurance provider, read and analyse the types of riders in domestic travel and add them to your basic policy.
Having insurance and riders will let you come back with happy memories of the trip. Know that the terms and conditions will vary from one insurer to another. Make sure to read the policy document carefully, and fill in your details correctly.
