Travel Insurance — Process and Timelines

How to purchase travel insurance on insurancepandit.com, plus endorsements, renewals and claim assistance.

How to purchase travel insurance

1. Choose the cover type

   Visit the Travel page and select the type of travel health insurance you wish to purchase: individual single trip, family floater single trip, multi trip / annual, or student travel.

2. Compare available plans

   Click calculate premium or compare plans. Enter your trip details and submit. Available travel insurance plans from Indian insurers are shown with premium including taxes, plan benefits, policy wording and the insurer’s refund/cancellation policy. The policy type is based on the time taken to process and issue the document as per insurer guidelines.

   There are three types of policies:

   • Instant policy: emailed as soon as payment goes through.
   • E policy: emailed within 15 to 30 minutes of business hours after payment.
   • Paper policy: 1 to 3 working days depending on receipt of the filled proposal form and the selected payment mode.
3. Buy the selected plan

   After you compare and finalise a plan, use Buy now to open the online proposal form. Fill the details, choose a payment mode and submit. Card or net banking payments go to the insurer’s gateway and an instant policy is emailed. For NEFT (where available), share payment details after transfer; the policy is emailed within 15–30 minutes of confirmation. Where a proposal form is required, the policy is emailed within 1–3 business days after the filled form (hard copy or scan) is received, insurer approval is given, and payment is confirmed.

   A hard copy, if requested, is sent by courier or speed post and should reach you within 3–5 business days.

Endorsements or changes in policies

If amendments are required in the policy document such as correction in personal details or change in travel dates, raise a service request.

Raise a service request

We revert within 48 business hours and, depending on the nature of endorsement, resolve it as soon as possible.

For cancellation and refund, refer to the policy wording of the respective insurer (available on our website against each plan). Any refund is processed and disbursed by the insurance company. We guide and assist you through the process.

Collection of renewal premiums and remittance to insurers

You may need to extend your stay overseas and, if permitted in your plan, extend travel insurance for that period, or renew an annual multi-trip policy. We email renewal reminders at least 15 days prior to expiry with the extension request / good health declaration form. After the extension request is approved, you can pay by card, net banking or NEFT. The extended policy is then emailed. This takes 1–5 days and varies by insurer.

Settlement and payment of claims

We assist with settlement and payment of claims by the insurer. The claim assistance page has timelines, documents required, and links to insurer claim intimation pages. If required, we follow up with insurance companies on claim-related issues.

In case of a dispute, grievance mechanism details are also available on our website.

The claim is processed and disbursed at the insurer’s end. We guide you through the process.