Travel Insurance for Thailand

Purchasing insurance is very accessible to travellers. With a few simple clicks online, they can be made available instantly. However, you must ensure to fulfill some eligibility criteria to buy travel insurance for Thailand from Niva Bupa, which are as follows:

• Adults should be between the ages of 18 and 70.
• Dependent children can be up to the age of 25.
• Travellers must possess and furnish mandatory documents like copies of passports, visas, income proof, and other relevant  papers.

Buying travel insurance has never been simpler. Niva Bupa offers a simple and intuitive platform to purchase travel insurance for your Thailand trip. Undertake these easy-to-follow steps to add to your peace of mind.

1. Visit the Niva Bupa Travel Insurance page.
2. Fill out the details requested in the portal, and choose whether you will go on a single trip or travel as a student.
3. Choose Thailand from the dropdown menu, choose the date of departure and return and confirm with your phone number.
4. After filling out all these details, click “view plans.”
5. This will take you to a page where you can input the traveller’s details.
6. Once that is done, click “Next” and choose the right plan for your needs. Change the sum insured to the amount you want to insure your trip for and select any add-ons.
7. Click on “Next” after this and fill out the relevant information along with the medical declaration to purchase the plan of your choice.
8. Once the payment is complete, the policy will instantly appear on the portal and be emailed to you.

Niva Bupa offers three curated plans for each trip meticulously designed to address the unique challenges that may arise during your visit. These plans offer comprehensive coverage and allow you to travel worry-free even when facing risks or unforeseen events.

Here are just a few of the specific inclusions we offer to help you travel with the confidence you need. 

 

1. Delay or loss of checked-in baggage
2. Missed connecting flight
3. Loss of passport
4. Dental treatment
5. Trip delay, cancellation, interruption
6. Medical emergency (hospitalisation)
7. Out-patient treatment
8. Medical evacuation
9. Emergency trip extension
10. Personal accident
11. Repatriation of mortal remains

When purchasing an insurance policy, the exclusions must be kept in mind. These circumstances are not covered, and the claim might be rejected if any damage or loss is caused due to taking part in them. When purchasing an insurance policy from Niva Bupa, for your convenience, you should consider the following exceptions:

1. These include treatment for any injury or illness resulting from nuclear, radiological emissions, war or rebellion, and certain acts of terrorism.
2. Active participation in military exercises, war games or engagement with the enemy.
3. Any loss or injury due to committing or attempting to breach the law with criminal intent.
4. Expenses for cosmetic or plastic surgery or any treatment to change appearance, including obesity or weight control programs. Unless in certain circumstances as listed in the policy document.
5. Certain maternity expenses.
6. Non-prescription or unproven drugs or treatments.
7. The provision of certain medical treatments or equipment.
8. If the insured person is travelling against the advice of a Doctor or is receiving or on a waiting list for specified medical treatment.
9. Death, injury, medical condition, or disability resulting from suicide or attempted suicide, self-inflicted injury or illness, consumption of alcohol or drugs, and depression.
10. Countries with travel restrictions for Indians.
11. Medical Tourism
12. Injuries due to adventure sports unless part of coverage.
13. Expenses related to any admission specifically for diagnostics and evaluation purposes that are not related or incidental to the current diagnosis and treatment.

 

This, however, is not an exhaustive list. Hence, referring to the policy document for more specific details is recommended.

Emergencies do not look for a time or place to strike, so it is always essential to remain carefully confident. To ensure this confidence, it is essential to remember the claims process when opting for travel insurance. In India, each insurance provider might have a different process to request for a claim.

To make it easier for you to understand how to claim a settlement with Niva Bupa, here is all you need to know. These are the steps you can take to request a general claim.

1. To raise a travel insurance claim, you need first to contact your insurer.
2. In case of overseas travel, you may also contact the global Third-Party Administrator.
3. You can raise a claim online, through mail, or even physically. You can do so both while overseas or when you return to India.
4. You must submit a duly filled claim form along with the required documents based on the type of claim—for example, loss of baggage, trip cancellation, medical emergency, or death.

Besides this, you can make two types of claims in a medical emergency.

Cashless Claims

1. In case of emergency hospitalisation, contact Europ-Assistance (a 24/7 emergency contact number and email address are available on our website) within 48 hours of admission.
2. An authorisation letter will then be shared with the policyholder specifying the sanctioned amount that will be issued. In that letter, all details will be specified, including if there is any limitation on the claim, applicable deductible/co-payment, and non-payable items, if applicable. There might also be a rejection letter mentioning the reason for the rejection.

Reimbursement claims

1. In case of hospitalisation, contact Europ-Assistance (24/7 emergency contact number and email address are available on our website) within 48 hours of admission.
2. You must pay directly to the hospital and collect all relevant documents (invoices, medical reports, discharge certificates, etc) in originals.
3. You must send scanned copies of these documents along with a filled & signed claim form (available on the website), ID proof, Address proof, Aadhaar Card, and age proof to Europ-Assistance.
4. A decision will be taken based on these documents. They might be approved, rejected, or requested for additional information.
5. The claim will be settled and reimbursed per the policy terms and conditions if approved.

When travelling abroad, you must possess some essential documents. Some of these documents include: 

1. Indian Passport
2. Visa stamp if pre-approved by the embassy or consulate
3. Confirmed tickets for the return flight from Thailand
4. Proof of accommodation in Thailand
5. A financial statement proving proof of funds (Personally or through a sponsor)

However, it is noteworthy that the mandatory document list may vary from country to country. 

Thailand is a country that offers Visa on Arrival to Indian tourists, allowing them to enter with minimal issues. Recently, the country has also removed any restrictions, including the mandate on travel insurance, although they still highly recommend it for travellers.

You can avail yourselves of a visa in two ways: the first is by applying through the Thai Embassy or Consulate, and the second is by opting Visa on Arrival at one of the 24 official immigration centres. When travelling, you should remember that the Visa on Arrival requires you to pay a fee and consider it when budgeting for the trip.

The tourist visa offered when opting for a Visa on Arrival only applies for 15 days. If you wish to stay longer than 15 days, you must apply for a tourist or non-immigrant visa beforehand. The tourist visa allows for a maximum of 60 days with an extension of up to 30 days

Although Thailand has varied weather conditions in different parts of the country, allowing people to enjoy their visit throughout the year, the best time to visit Thailand is typically between late November and early April.

During this time of the year, tourists can expect to find cool, dry, sunny weather to explore everything Thailand offers properly without excessive exertion due to humidity or weather conditions.

Note: This is an especially good season to go to the many beaches in Thailand