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1800 270 7000

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About Us

Aditya Birla Capital Limited (“ABCL”) is a listed systemically important non-deposit taking Non-Banking Financial Company (NBFC) and the holding company of the financial services businesses. ABCL and its subsidiaries/JVs provides a comprehensive suite of financial solutions across Loans, Investments, Insurance, and Payments to serve the diverse needs of customers across their lifecycles. Powered by over 61,600 employees, the businesses of ABCL have a nationwide reach with over 1,690 branches and more than 200,000 agents/channel partners along with several bank partners.

Nationwide Branches

1,690

No. of Employees

61,600+

Agents/Channel Partners

2,00,000+

Aggregate Assets

INR 5.53 Lakh Cr

Consolidated Lending Book

INR 1.65 Lakh Cr

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Travel Insurance

We appreciate your dream to travel. Make your trips more enjoyable and memorable with our Travel Insurance. Keep travelling, keep exploring!

International Travel Insurance, starting at just ₹269 for five days.
Plans for travellers from different age groups.
Cover for multiple travellers.

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Reasons To Buy Travel Insurance
From Aditya Birla Capital

Manage Health Issues

Changes in altitude, humidity, and climate are a few reasons that may trigger health problems during travel. Having travel insurance during such times helps in mitigating any losses.

Fulfil Medical Expenses

Healthcare systems differ across countries and medical treatment abroad may or may not be affordable. Travel insurance can help meet such costs.

Manage Travel Glitches

Delayed and missed transit flights are becoming common concerns, especially in countries most frequented by tourists. You can save yourself from such hassles with travel insurance.

Avoid Baggage Mishandling

Delayed checked-in baggage, loss of baggage, and/or damaged baggage are some common issues that can be easily addressed with travel insurance.

Safeguard Against Theft of Valuables

Travel insurance can help safeguard you against instances of theft of luggage/important documents and other valuables.

Why Should You Opt for a Travel Insurance Policy from ABCD?

Elevate your travel experience and enjoy every trip with our Travel Insurance plan:

Get comprehensive protection at affordable premiums.
Customise your insurance coverage based on your needs.
Keep yourself and your family safe during unforeseen circumstances.

What's Covered Under ABCD Travel Insurance ?

Our Travel Insurance protects you against a host of uncertainties. You can expand the scope of insurance coverage to meet your specific needs. Here are some of the standard inclusions

In-Patient Care for Illness and Injury with Daycare Treatment (PED Excluded)

If you fall sick or sustain an injury, don’t worry. We are there for you. We shall cover the expenses incurred for hospitalisation or daycare treatment and will always be available at 1800 270 7000.

Please note:
• Hospitalisation should be on the written advice of a medical practitioner.
• The treatment must be medically necessary.
• Pre-existing diseases are not covered.

Sum insured USD 1,00,000 | Deductible USD 100

Medical Evacuation

You can count on us in case of medical emergencies. Our policy covers medical evacuation, including transportation through ambulance and other modes and medical care en-route.

Please note:
• Hospitalisation should be on the written advice of a medical practitioner.
• The medical practitioner should certify in writing the need for emergency evacuation.
• The transport expenses are limited to going to the nearest hospital.

Sum insured USD 25,000 | Deductible USD 100

Repatriation of Mortal Remains

We pray you never have to face medical difficulties at any time. However, in case an illness or injury leads to unfortunate demise, we cover the costs of repatriation of mortal remains.

Please note:
• The costs are certified in writing and authorised by us or an Assistance Service Provider in advance.
• Costs more than the amount specified in the policy are not covered.

Sum insured USD 10,000 | Deductible NA

Dental Expenses

If you face any dental issues while on a trip, our policy will cover eligible treatment by a qualified medical practitioner.

Please note:
• The injury/issue of your teeth should not be due to a pre-existing condition.
• Cementing or fixation of tooth or teeth bridge(s) are not covered.

Sum insured USD 300 | Deductible USD 50

Personal Accident

Accidents while travelling are unpredictable and can sometimes lead to Accidental Death (AD), Permanent Total Disablement (PTD), or Permanent Partial Disablement (PPD). Luckily, we’ve got you covered. Our policy includes eligible expenses and supports you and your loved ones in overcoming such difficult situations.

Please note:
• The accidental death, permanent total disablement, or permanent partial disablement should be due to an accident that occurred during the trip.

Sum insured USD 10,000 | Deductible NA

Loss of Checked-In Baggage (Indemnity)

Loss of checked-in baggage can be troublesome. Our policy helps reduce these troubles by reimbursing up to the sum insured so you can continue on your journey as planned.

Please note:
• Checked-in baggage means, baggage given by you and accepted by the common carrier for which a receipt is issued.
• A common carrier includes commercial public airline, railway, bus, etc.
• Partial loss of the items in the checked-in baggage is not covered.

Sum insured USD 500 | Deductible NA

Delay of Checked-In Baggage (Indemnity)

We won’t let the delay of checked-in baggage dampen your mood. In case of any such delays, we will reimburse the costs of emergency purchases of toiletries, medication, and clothing, as per policy terms.

Please note:
• The cover extends to the travel destinations specified in your main travel ticket.
• You should submit a written proof of delay issued by the common carrier i.e. commercial public airline, railway, bus, etc.

Sum insured USD 200 | Deductible 6 hours

Loss of Passport (Indemnity)

In case you lose or damage your original passport, we will cover the costs incurred towards obtaining a new passport or re-issuance of the lost/damaged passport.

Please note:
• Loss due to delay or confiscation or detention by the customs, police, or public authorities is not covered.
• Loss due to the passport being left unattended or forgotten is not covered.

Sum insured USD 300 | Deductible USD 50

Hijack Distress Allowance

Hijacks are very unfortunate and can cause mental trauma. For such distressing times, we shall pay you the daily amount of USD 50 per day for up to 7 days, for each day of captivity by the hijackers.

Please note:
• The policy covers travel by a common carrier i.e. commercial public airline, railway, bus, etc.
• Any other mode of transportation is not covered.
• The insurer’s liability is limited till the date and time of your release.

Sum insured USD 50 per day up to 7 days | Deductible 6 Hours

Daily Allowance

In case you are hospitalised, we shall pay a daily amount for each continuous and completed day of hospitalisation for up to the maximum duration as per the policy.

Please note:
• The hospitalisation should be for medically necessary treatment requiring emergency care.

Sum insured USD 50 per day up to 7 days | Deductible 2 Days

Personal Accident (Common Carrier)

Accidents can happen anywhere, but we promise to be there for you everywhere. Our policy covers Accidental Death (AD), Permanent Total Disability (PTD), or Permanent Partial Disablement (PPD) due to an accident that occurred on a common carrier, i.e. commercial public airline, railway, bus, etc.

Please note:
• The death or permanent total disability or permanent partial disablement must have taken place within 12 months from the date of the accident.

Sum insured USD 5,000

Trip Cancellation/Trip Interruption/Trip Curtailment

We shall cover the financial loss arising from trip cancellation before departure/trip interruption/curtailment, by reimbursing eligible expenses.

Please note:
• Expenses that could have been avoided but were incurred are not covered.
• The policy does not cover trip cancellation or curtailment due to facts you were aware of or should have been aware of.

Sum insured USD 2,500

Missed Connectivity (Indemnity)

If you miss your common carrier i.e. commercial public airline, railway, bus, etc. due to the delay or cancellation of your prior connecting common carrier, we shall reimburse eligible lodging costs and ticket cancellation charges.

Please note:
• Such delays must be authenticated by the common carrier i.e. commercial public airline, railway, bus, etc. in writing.
• These expenses should not be reimbursable by another source.

Sum insured USD 500 | Deductible 3 Hours

Trip Delay (Indemnity)

You no longer need to worry about delayed departures. We shall reimburse additional expenses that you incur towards meals and lodging, as per policy terms.

Please note:
• Delay caused by strike or industrial action already notified at the time of ticket booking is not covered.
• Delay due to failure to arrive for the departure in sufficient time is also not covered.

Sum insured USD 300 | Deductible 6 Hours

Emergency Financial Services

In case you face financial emergencies while on a trip, we or an Assistance Service Provider shall coordinate with your relatives in your country/city of residence, to provide you with the required assistance.

Please note:
• This benefit is available only once during the insurance period.
• There is no direct financial obligation to the insurer.

Sum insured USD 1,000

Compassionate Visit Travel

We understand the importance of having a loved one beside you, especially during times of need. Our policy covers the eligible two-way travel expenses of your immediate family member to your place, where you are hospitalised due to an injury or illness.

Please note:
• Hospitalisation is for medically necessary treatment required in an emergency.
• The treating medical practitioner advises in writing that the attendance of an immediate family member is necessary.

Sum insured USD 750 | Deductible USD 100

What's not Covered Under ABCD Travel Insurance ?

There are a few instances outside the purview of Travel Insurance. These include:

Obesity/Weight Control

Surgical treatment of obesity is not covered, if any of the following conditions are not met:

• The surgery should be on a doctor’s advice.
• It should be supported by clinical protocols.
• You should be 18 years or older.
• You should meet the relevant Body Mass Index (BMI).

Cosmetic or Plastic Surgery

We do not cover expenses for cosmetic or plastic surgery or any treatment to change appearance unless:

• The treatment follows an accident, burn(s), or cancer or as is medically necessary.
• The attending medical practitioner certifies the need for the treatment.

Substance Abuse

We encourage you to live healthy and stay away from substance abuse. That is why, our policy does not cover treatment for:

• Alcoholism
• Drug or substance abuse
• Any addictive condition

Hazardous or Adventure Sports

If you participate as a professional in hazardous or adventure sports, our policy does not cover expenses related to necessitated treatment due to such participation. Examples of such activities include:

• Para-jumping
• Rock climbing
• Mountaineering
• Rafting, etc.

Breach of Law

We promote abiding by the applicable rules and regulations of the land. Thus, our policy does not cover expenses for treatment directly arising due to:

• Breach of law committed or attempted to commit with criminal intent.

Get Started with Product Plan

How to Buy?

Your Travel Insurance is just a few taps away. Grab your phone and follow these general instructions and purchase your Single Trip Travel Insurance effortlessly.

Step 1: Login into the ABCD App.
Step 2: Go to the Travel Insurance homepage under the Insurance domain.
Step 3: Choose the country/countries you are travelling to.
Step 4: Select your travel dates and the number of travellers.
Step 5: Fill in your details and those of other travellers.
Step 6: Pay the premium amount to initiate the activation of your policy.
Step 7: Reach out to our call centre for assistance, if required.

How to Claim ?

In case of any medical or non-medical emergencies while on travel, be assured that we are just a phone call away. Talk to our customer care support for any claim assistance.

Call us at 1800 270 7000 and share the details of the incident.
Our customer care support will guide you through the next steps.
Experience a seamless and quick claim settlement process.

Things To Keep in Mind

Know What You Need

The type of coverage depends on the reason for travel and your specific requirements. This differs from traveller to traveller.

Align the Travel Duration

Whether you are travelling for a short or long duration, choose a policy that aligns with your travel period.

Make Relevant Disclosures

Disclose all information including pre-existing diseases to avoid complications during claim settlement.

Compare Different Quotes

Compare quotes from different insurers and evaluate their respective coverage to choose the best-suited policy.

Garner Multiple Feedback

Collate primary and secondary feedback to gain insights on the kind of services you can expect.

Learn about Claim Settlement

Understand from the insurer the claim settlement process and gauge if it is smooth and straightforward.

Seek Constant Support

24/7 reliable support, especially during times of emergencies helps overcome difficult situations.

Review Policy Terms

Read the policy terms and gain a clear understanding of inclusions and exclusions to avoid last-minute hassles.

Customer Satisfaction Stories

Hear from our customers what they have to say about their experience.

Mr. Manish Mandhani

Aditya Birla Sun Life Insurance Customer

Due to seamless branch support and timely communication from ABSLI, my maturity payout process was quite smooth.

Mr. Bansal

Aditya Birla Sun Life Insurance Customer

Haryana, India

Mr. Sandip Prajapati

Aditya Birla Sun Life Insurance Customer

Entire surrender process was quite smooth with timely documentation and payout. Great experience!

Mr. Ganvit

Aditya Birla Sun Life Insurance Customer

Gujarat, India

ABCD: One App for
All Your Insurance Needs

Comprehensive Travel Insurance coverage is now easy with the ABCD app.

Protect yourself from uncertainties that arise during travel and embark on new travel journeys.
Our digital process is simple to follow and lets you buy/renew your plan with ease.
Fulfil your travel journey with new stories by exploring different places at reasonable premiums.

Download our mobile app now

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Understanding Travel Insurance

Table of Contents

What is Travel Insurance?How much does Travel Insurance cost?Can I get Travel Insurance cover if my trip has already started?Is Travel Insurance from India useful for frequent travellers?Should I buy Travel Insurance for short trips as well?Travel Insurance Myths Ways To Save On Travel Insurance Premiums What Are the Different Factors That Affect Travel Insurance Premiums?Need Help with Your Travel Insurance? Talk to Us Online!

What is Travel Insurance ?

Travel insurance offers financial support during unpredictable eventualities like medical emergencies, loss of checked-in baggage/passport, checked-in baggage delay, etc.

How much does Travel Insurance cost?

The cost of Travel insurance depends on various factors like your age, coverage type, destination, travel duration, and number of travellers insured.

Can I get Travel Insurance cover if my trip has already started?

You generally cannot buy a Single Trip Travel Insurance once your trip has started. Check with your insurer for more details.

What are the two types of equity shares?

If you are a frequent traveller, you can consider purchasing Multi Trip Travel insurance to prepare in advance for unexpected situations and make travel more enjoyable.

Should I buy Travel Insurance for short trips as well?

It is advisable to buy Travel insurance irrespective of your travel duration.

Travel Insurance Myths

Debunking Myths! Travelling Places!

Myth 1

Travel Insurance is Not Important: Medical emergencies occur irrespective of location. Travel Insurance helps you manage these and other unexpected events better.
Myth 2

I Can Go on a Short Trip without Travel Insurance: Unforeseen events can occur while you are on any trip - short or long. It is important to get yourself covered.
Myth 3

Travel Insurance Has a Limited Scope: Apart from medical expenses, Travel Insurance can also cover other unforeseeable events like loss of checked-in baggage, flight cancellations, etc.
Myth 4

Travel Insurance Will Take Care of My Entire Trip: While you can enjoy comprehensive coverage with Travel Insurance, there are certain exclusions you should know of.
Myth 5

I can avail of all Travel Insurance Features Always: Certain features are time-sensitive and can be availed of only if you purchase your Travel Insurance within a specified time.

Ways To Save On Travel Insurance Premiums

Buy Only the Essentials

Extra features come at an additional cost. Thus, buy only what you necessarily need.

Explore Offers and Deals

Compare the offerings of different insurers and explore their deals to get the most competitive rates.

Seek Discounts

If you are travelling as a group, check with your insurer for group discounts.

Off-Season Travel

If you can, schedule your travel during the off-season. The premiums during this time are usually lower.

Explore Low-Risk Destinations

Low-risk destinations usually offer comparatively lesser premiums.

What Are the Different Factors That Affect Travel Insurance Premiums?

The premium varies according to different factors, such as:

Age

The premium is different for different age groups.
Coverage

The extent of coverage influences the premium amount.
Travellers

Premium changes with the change in the number of travellers insured.
Travel Place

Premium costs depend on the risks associated with the travel destination.
Travel Period

The longer the travel period, the higher the premium.

Need Help with Your Travel Insurance? Talk to Us Online!

Reach out to us for your queries on Travel Insurance and be rest assured of quick solutions as our experts will guide you to:

● Identify your Travel Insurance needs.
● Choose the best-suited Travel Insurance policy.
● Buy a Travel Insurance cover.
● Renew your Travel Insurance.
● File a claim during unexpected events.

FAQs on Travel Insurance

You generally cannot buy Travel Insurance after leaving the country.

Choose a Travel Insurance policy that best fits your affordability and travel needs. It is a good idea to compare the quotes of different insurers to make an informed decision.

Contact your insurer to understand the process and details regarding the extension of Travel Insurance.

Travel Insurance is mandatory in certain countries, including the United Arab Emirates, Cuba, Turkey, Algeria, Aruba, and Seychelles among others.

Talk to your insurance advisor to understand the portability of your Travel Insurance.

Our Other Insurance Plans

Life Insurance

This policy offers coverage against the risk of premature demise. It also offers wealth creation with savings plans and applicable tax benefits under Section 80C and 10(10D).

Know More

Health Insurance

Protecting yourself and your loved ones with a comprehensive cover, this policy helps cover medical expenses including minor check-ups and major surgeries.

Know More

Motor Insurance

With this policy, you can avail of protection against possible mishaps and drive worry-free. It helps you reduce financial liabilities with various add-ons that enhance the overall cover.

Know More

ABC Of Insurance

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8 August 2023

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31 January 2023

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Understanding Travel Insurance and Missed Connection Coverage

10 October 2022

Protecting Solutions

Make Happy Memories, Invest In Family Travel Insurance

12 June 2020

Protecting Solutions

How does Group Travel Insurance Work?

12 June 2020

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How to Avoid Problems with Your Travel Insurance Claims?

11 June 2020

VIEW ALL ARTICLES

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Step 2

Step 3

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Travel Insurance

Reasons To Buy Travel Insurance From Aditya Birla Capital

Manage Health Issues

Fulfil Medical Expenses

Manage Travel Glitches

Avoid Baggage Mishandling

Safeguard Against Theft of Valuables

Why Should You Opt for a Travel Insurance Policy from ABCD?

What's Covered Under ABCD Travel Insurance ?

In-Patient Care for Illness and Injury with Daycare Treatment (PED Excluded)

Medical Evacuation

Repatriation of Mortal Remains

Dental Expenses

Personal Accident

Loss of Checked-In Baggage (Indemnity)

Delay of Checked-In Baggage (Indemnity)

Loss of Passport (Indemnity)

Hijack Distress Allowance

Daily Allowance

Personal Accident (Common Carrier)

Trip Cancellation/Trip Interruption/Trip Curtailment

Missed Connectivity (Indemnity)

Trip Delay (Indemnity)

Emergency Financial Services

Compassionate Visit Travel

What's not Covered Under ABCD Travel Insurance ?

Obesity/Weight Control

Cosmetic or Plastic Surgery

Substance Abuse

Hazardous or Adventure Sports

Breach of Law

Get Started with Product Plan

How to Buy?

How to Claim ?

Things To Keep in Mind

Know What You Need

Align the Travel Duration

Make Relevant Disclosures

Compare Different Quotes

Garner Multiple Feedback

Learn about Claim Settlement

Seek Constant Support

Review Policy Terms

Customer Satisfaction Stories

ABCD: One App for All Your Insurance Needs

Understanding Travel Insurance

What is Travel Insurance ?

How much does Travel Insurance cost?

Can I get Travel Insurance cover if my trip has already started?

What are the two types of equity shares?

Should I buy Travel Insurance for short trips as well?

Travel Insurance Myths

Myth 1

Myth 2

Myth 3

Myth 4

Myth 5

Ways To Save On Travel Insurance Premiums

Buy Only the Essentials

Explore Offers and Deals

Seek Discounts

Off-Season Travel

Explore Low-Risk Destinations

What Are the Different Factors That Affect Travel Insurance Premiums?

Age

Coverage

Travellers

Travel Place

Travel Period

Need Help with Your Travel Insurance? Talk to Us Online!

FAQs on Travel Insurance

Can I buy Travel Insurance after leaving the country?

How to choose Travel Insurance?

What are the steps to extend your Travel Insurance policy offline?

In which countries Travel Insurance policy is mandatory?

Can you port your Travel Insurance policy?

Our Other Insurance Plans

Life Insurance

Health Insurance

Motor Insurance

Reasons To Buy Travel Insurance
From Aditya Birla Capital

ABCD: One App for
All Your Insurance Needs