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An individual health insurance plan offers protection to only one individual and not the whole family. These plans are suitable for people below the age of 60 who do not have any family responsibilities. Individual health plans provide cheap health insurance. But the cost of premium can differ for different people, based on different factors like age, health history, pre-existing illness, gender, coverage, and more. The sooner you purchase an individual health plan, the lower would be the premium cost.

It provides coverage for complete family and also known as a family floater. Generally, in a family floater plan, a family of 4 (2 adults and 2 dependent children) is covered. However, it too has variants as some providers give facility to add your parents and parents-in-law as well. 

To provide wide health insurance coverage to those who are more than 60 years, this health insurance plan is introduced. Some of the insurance policies such as Star Health Insurance for Senior Citizens provide really extensive coverage in this policy. 

Critical illness insurance plans provide coverage for life-threatening illnesses such as cancer, major organ failure, heart disease, blindness stroke, etc. These plans offer a lump sum amount upon diagnosis, which the policyholder can use for medical treatment, recovery, and other necessities. 

Travel Insurance is a type of insurance that covers different risks while travelling. It covers medical expenses, lost luggage, flight cancellations, and other losses that a traveller can incur while travelling.

Travel Insurance is usually taken from the day of travel till the time the traveller reaches back to India. Taking Travel Insurance ensures a comprehensive coverage in case of any emergency in another country. Travel Insurance is also available for trips taken in the home country of the traveller like Bharat Bhraman & E Travel, but it is a more popular option for travel abroad.

Some of the risks covered under Travel Insurance are:

·       Personal Accident Cover, which covers:

·       Insured’s Death

·       Permanent Total Disability

·       Accident & sickness medical expense reimbursement

·       Dental treatment relief

·       Emergency evacuation

·       Repatriation of remains in case of death

·       Baggage delay

·       Loss of checked baggage

·       Loss of passport

·       Flight delay

·       Hijack

·       Home burglary

·       Trip curtailment

·       Trip cancellation

·       Missed connection/missed departure

·       Bounced hotel/airline booking

Studying abroad is a dream come true for many students as it opens millions of opportunities for them to explore and carve a niche in their careers. It is a life-changing decision and brings many expectations, fun and lessons for life. However, leaving one’s family and friends behind and living in a faraway land for the sake of your career isn’t easy. With all the joys and jubilation comes a decent amount of risk, like medical emergency, study disruption, loss of documents or other unfortunate events. This is why getting a student travel insurance policy is essential to secure your stay if you are planning to study abroad. If you wish to go for a short stay to the country where you plan to study, get International travel insurance to ensure you are geared up to face any challenge that might disrupt your stay.