Personal insurance
Travel Insurance
Protection from medical emergencies and travel disruptions abroad, chosen around where you are going and why.
Who is it for?
Is travel cover right for you?
- Families travelling abroad on holiday
- Business travellers making single or multiple trips a year
- Students going overseas for study
- Senior citizens visiting family abroad
What does it help protect?
The risk, in plain English
Medical treatment abroad can be very expensive, and many countries expect visitors to carry insurance. Travel insurance is designed to cover emergency medical costs and certain trip disruptions while you are away.
Some visas require travel insurance with a minimum level of medical cover, so the destination matters when choosing a plan.
Key cover areas
What a policy typically includes
Cover differs between insurers and plans. These are the areas we walk you through — the policy wording always decides.
Emergency medical expenses
Hospitalisation and emergency treatment during the trip, subject to limits.
Medical evacuation
Transport to suitable medical care or back home where medically necessary.
Trip disruption
Covered cancellation, delay or interruption costs, depending on the plan.
Baggage and documents
Loss or delay of checked-in baggage and loss of passport, subject to conditions.
Personal liability
Legal liability to others while travelling, in some plans.
What to check
Read this before comparing premiums
The cheapest policy is rarely the one that serves you best at claim time. These are the terms we always check with you.
- Visa requirements
- Minimum medical cover or specific conditions the embassy may require.
- Pre-existing conditions
- Many plans exclude or limit them — check before you travel.
- Deductibles
- The amount you bear on each claim, often in foreign currency.
- Adventure activities
- Skiing, diving and similar activities may need specific cover.
- Trip dates
- The policy must cover the full trip — extend it before expiry if plans change.
How Finmirai helps
Advice before you buy. Support after you do.
As your broker, our job is to understand your need, explain options honestly and stay with you for servicing and claims.
- Listen first: we understand your family, health, assets and budget before discussing any plan.
- Explain options in plain language, including what is not covered.
- Help you compare suitable options and complete the proposal and documentation correctly.
- Remind you ahead of renewals and help with changes during the policy year.
- Guide you through the claims process and the documents the insurer will ask for.
How it works
- 1
Tell us
Share your requirement by form, call or WhatsApp.
- 2
Understand your need
We ask the questions that shape the right cover.
- 3
Compare options
We identify suitable options and explain the differences.
- 4
You choose
You decide, with clarity on cover, exclusions and cost.
- 5
Policy issued
We help with proposal, documentation and issuance.
- 6
Ongoing service
Renewals, changes and claims guidance through the year.
FAQs
Travel Insurance: common questions
Do I need travel insurance for a Schengen visa?
Schengen visa applications generally require travel medical insurance meeting minimum cover requirements set by the Schengen rules. Check the latest embassy guidance; we can help you choose a plan that meets it.
Is a multi-trip policy better for frequent travellers?
If you travel abroad several times a year, an annual multi-trip policy can be simpler than buying cover for each trip. Each plan limits the length of any single trip, so we check your travel pattern first.
Does travel insurance cover pre-existing illnesses?
Usually only in limited situations, such as life-threatening emergencies, and only if the plan says so. Read this section carefully if anyone travelling has an ongoing condition.
What should I do in a medical emergency abroad?
Contact the insurer's assistance helpline listed on your policy as early as possible. They can guide you to hospitals and, where possible, arrange direct payment.
Can I buy travel insurance after leaving India?
Most policies must be bought before the trip starts. Buy cover before you depart.
Get insurance assistance
Talk to us about travel cover
Share a few details and an advisor will contact you. There's no obligation to buy.
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