Travelling Insurance
National Insurance Company Limited (NICL) ka Travel Insurance Plan ek bahut hi zaroori policy hai jo aapki yaatra (trip) ke dauraan achanak aane waali financial aur medical emergencies se suraksha (protection) deti hai. Is plan ko aam taur par Overseas Travel Insurance ke naam se jaana jaata hai aur yeh international trips ke liye design kiya gaya hai.
Yeh policy is baat ki guarantee deti hai ki agar aapko videsh mein koi medical ya non-medical problem aati hai, toh aapko financial support mil sake.
National Insurance Travel Insurance Plan: Safar Ki Suraksha (Travel Security) 🌍✈️
Travel Insurance ka sabse bada maksad (purpose) aapke safar ko tension-free banana hai. Yeh plan aapko is tarah ke khatron se cover deta hai:
Medical Emergencies: Videsh mein bimaar padna ya chot lagna.
Travel Hassles: Flight delay, luggage loss, ya passport kho jaana.
Financial Losses: Trip cancel ya chhodna padne ka kharcha.
NICL alag-alag tarah ke travellers ke liye policies offer karta hai: Individual, Family, Students, aur Senior Citizens.
1. Mukhya Coverage Aur Benefits (Core Coverage) 🩺
Travel Insurance ka sabse important hissa medical cover hota hai, kyunki videsh mein medical expenses bahut zyada hote hain.
A. Emergency Medical Expenses (Sabse Zaroori)
Coverage: Agar aapko videsh mein achanak koi beemaari ho jaaye ya koi accident ho jaaye, toh hospitalization, doctor ki fees, aur surgery ka kharcha cover hota hai.
Repatriation of Mortal Remains: Agar insured vyakti ki maut ho jaati hai, toh unke shav (mortal remains) ko unke desh wapas bhejne ka kharcha.
Emergency Medical Evacuation: Agar aap kisi aisi jagah hain jahan proper medical facilities nahi hain, toh aapko behtar hospital tak pahunchane ka kharcha.
B. Personal Accident (PA)
Coverage: Agar trip ke dauraan koi accident hota hai aur usse permanent total disablement (hamesha ke liye apangta) ya maut ho jaati hai, toh ek fixed sum insured (rashi) nominee ko di jaati hai.
C. Dental Expenses
Coverage: Emergency mein daant mein achanak dard hone ya chot lagne par zaroori dental treatment ka kharcha (aam taur par dard kam karne tak hi limit hota hai).
2. Travel Non-Medical Benefits (Safar Se Judi Suvidhayein) 💼
Yeh covers safar mein hone waali aam dikkatoin se bachate hain:
A. Loss of Checked Baggage (Baggage Kho Jaana)
Coverage: Agar aapka registered baggage airline ki custody mein poori tarah kho jaaye (permanent loss), toh uske contents ki value ke hisaab se compensation milti hai (aik fixed limit tak).
Dhyan Dein: Policy mein sirf checked-in baggage cover hota hai, hand baggage nahi.
B. Delay of Checked Baggage (Baggage Mein Deri)
Coverage: Agar aapka checked baggage ek specific time period (aam taur par 6 se 12 ghante) tak destination par na pahunche, toh zaroori items (toiletries, medicines) kharidne ke liye compensation milti hai.
C. Loss of Passport (Passport Kho Jaana)
Coverage: Agar aapka passport videsh mein kho jaaye, toh naya/duplicate passport banwane mein jo kharcha aata hai (application fees, travel cost to embassy, etc.), woh cover hota hai.
D. Trip Delay/Cancellation/Interruption
Trip Cancellation: Beemaari ya family emergency jaise valid reason ki wajah se agar aapko trip shuru hone se pehle cancel karni pade, toh non-refundable bookings (flight, hotel) ka kharcha cover hota hai.
Trip Interruption: Trip shuru hone ke baad agar emergency ki wajah se aapko jaldi wapas aana pade, toh wapas aane ki tickets aur non-refundable portion ka cover milta hai.
Flight Delay: Agar flight ek specific time period (aam taur par 6 se 12 ghante) se zyada delay ho jaaye, toh usmein hone waale kharche.
3. Specialized Covers (Khaas Zarooraton Ke Liye) 🎓👵
NICL kuch special groups ke liye bhi tailored covers offer karta hai:
A. Student Travel Insurance (Videsh mein Padhne Waalon Ke Liye)
Extended Period: Yeh policies 6 mahine se 2 saal tak ki avadhi (duration) ke liye hoti hain.
Sponsor Protection: Agar student ke financial sponsor (aam taur par parents) ki maut ho jaaye ya woh disable ho jaayein, toh tuition fees cover hoti hai.
Study Interruption: Medical emergency ki wajah se padhai chhodni pade, toh tuition fees ka cover.
B. Senior Citizen Travel Insurance (Badon Ke Liye)
Age Limit: Aam taur par 70 se 85 saal tak ke vyaktiyon ke liye.
High Premium: In policies ka premium zyada hota hai, aur pre-existing diseases ke liye cover bahut limited ya exclude hota hai.
4. Main Exclusions (Kya Cover Nahi Hota Hai?) ❌
Travel Insurance bahut accha hai, lekin yeh in cheezon ko cover nahi karta:
Pre-existing Diseases (PED): Agar aapko policy lene se pehle koi beemaari thi, aur woh trip ke dauraan bigad jaaye, toh uska treatment cover nahi hota (jab tak ki woh life-threatening emergency na ho).
Adventure Sports: Dangerous activities (jaise Bungee jumping, skydiving, mountain climbing) mein chot lagna.
Self-Inflicted Injury: Khud ko chot pahunchana, suicide, ya drug/alcohol ke asar mein accident hona.
War/Civil War: Yudh, aatankwadi hamla, ya hinsa (jab tak ki specifically cover na kiya gaya ho).
Non-Medical Travel: Simple check-up ya planned treatment ke liye kiya gaya kharcha.
Theft/Loss due to Negligence: Agar aapne apna saaman ya passport laparwahi se chhod diya aur woh kho gaya.
5. Claim Process Aur Important Tips 📝
Travel Insurance mein claim karne ke liye yeh steps zaroori hain:
Emergency Assistance: Emergency mein, turant NICL ke 24/7 Toll-Free Assistance Number par contact karein. Company aapko hospital, doctor, aur claim procedure mein madad karegi.
Cashless Facility: Medical emergencies mein, company aam taur par TPA (Third Party Administrator) ke through hospital ko direct payment (cashless) ki suvidha deti hai.
Documentation: Saare bills, medical reports, police report (theft ke case mein), aur airline documents (delay/loss ke case mein) sambhal kar rakhein.
Antim Nateeja (Final Takeaway):
NICL ka Travel Insurance Plan ek indispensable companion hai. Yeh aapko videsh mein aayi mushkilon, khaas kar medical expenses ke high cost, se bachata hai. Policy lene se pehle Sum Insured (aam taur par $\text{USD}50,000$ se $\text{USD}5,00,000$ tak) aur Exclusions ko dhyan se padhein, taaki aapka safar surakshit aur aasan ho.
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