Galaxy Health Insurance has officially entered the international travel insurance market with its new 'Galaxy Fly Global Travel Insurance' policy. This offering aims to provide Indian travelers abroad with extensive coverage against common disruptions and medical emergencies, catering to leisure, business, education, and employment-related trips.
Key Protections for Travelers
The 'Galaxy Fly Global' policy addresses several critical concerns for international travelers:
- Flight Delays and Missed Connections: Coverage is provided for flight delays exceeding six hours, as well as missed connections or departures beyond the same threshold, helping to mitigate additional expenses.
- Trip Cancellation and Interruption: The policy offers financial protection against losses incurred from trip cancellations or interruptions due to unforeseen events, subject to policy terms and conditions. This can safeguard non-refundable travel expenses.
- Lost or Delayed Baggage: Policyholders are covered for the total loss of checked-in baggage while in the custody of a common carrier. Expenses arising from baggage delays exceeding 12 hours are also included.
- Lost Passport and Documents: The policy covers costs associated with obtaining a new or duplicate passport or international driving license if these vital documents are lost abroad.
Comprehensive Medical and Other Benefits
Beyond travel disruption, 'Galaxy Fly Global' integrates robust medical benefits:
- Emergency hospitalization and outpatient treatment.
- Dental treatment resulting from an injury.
- Emergency medical evacuation.
- Coverage for medical expenses due to a pre-existing condition in a life-threatening emergency.
Additional benefits include personal accident cover, a daily hospitalization allowance, and transportation or repatriation of mortal remains. The policy also covers personal liability for accidental bodily injury or property damage to a third party, and a hijack distress allowance. Provisions for a compassionate visit by an immediate family member if the insured is hospitalized, and the return of a minor child to their country of residence under specific circumstances, further enhance its comprehensive nature.
Flexible Plan Options
The 'Galaxy Fly Global' policy offers four distinct plans: Worldwide including USA and Canada, Worldwide excluding USA and Canada, Europe, and Asia. Sum insured options range from $25,000 to $500,000, with coverage durations from one day up to 180 days. Galaxy Health Insurance has partnered with Europ Assistance India to ensure 24x7 overseas assistance, including cashless hospitalization and emergency services.