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India 2026
Travel Insurance Policy Online in India 2026
Buying travel insurance online in India has never been easier. With digital platforms like Six Finance, you can compare plans, complete digital KYC, and receive your policy document — all within minutes.
100% Digital Process
No branch visits required. Complete everything from your phone or laptop with digital KYC verification.
Instant Policy Issuance
Get your insurance policy issued instantly after document verification and payment confirmation.
IRDAI Regulated
All policies sold through Six Finance are issued by IRDAI-regulated insurers, ensuring full legal validity.
Learn
Understanding Travel Insurance in India
Everything you need to know about how travel insurance works, why it matters, and its key benefits for you.
Insurance is a financial contract between you (the policyholder) and an insurance company (the insurer). In exchange for a regular premium payment, the insurer agrees to provide financial compensation in case of specified losses, damages, illness, or death.
In simple terms: You pay a small amount regularly so that when something unexpected happens — an accident, illness, or damage — you don't have to bear the entire financial burden yourself. Insurance provides a safety net for you and your family.
Insurance works on the principle of risk pooling — many people contribute premiums into a common pool, and those who face covered events receive payouts from this pool. This spreads the financial risk across a large group of people.
Features
Key Features of Travel Insurance Policies in India
Medical Emergency
Covers hospitalisation, surgery, and ICU costs anywhere in the world.
Trip Cancellation
Reimbursement if your trip is cancelled due to illness or emergency.
Baggage Protection
Compensation for lost, stolen, or delayed checked baggage.
Global Assistance
24/7 multilingual emergency helpline available in 190+ countries.
Passport Loss
Emergency assistance and expense cover if your passport is lost abroad.
Explore More
Travel Insurance — Explore Related Plans
Find the right coverage by exploring related insurance products tailored to your needs.
International Travel
Comprehensive cover for all overseas destinations worldwide.
Multi-Trip Annual
Single annual plan covering unlimited trips in a year.
Schengen Cover
EU visa-compliant plan meeting the mandatory €30,000 minimum.
Family Travel
One plan covering all family members travelling together.
Health Insurance
Also protect your health domestically with cashless cover.
Policy Types
Types of Travel Insurance Policies
Understanding the different policy types helps you choose the right level of coverage for your needs.
Single Trip
One-time cover for a specific trip with defined start and end dates.
Multi-Trip Annual
Unlimited international trips in 365 days under one annual policy.
Schengen Plan
EU-compliant cover with minimum €30,000 medical coverage required.
Family Travel Plan
Group policy insuring the entire family on the same journey.
Student Abroad Cover
Long-duration coverage tailored for students studying overseas.
Six Finance
Why Choose Travel Insurance by Six Finance?
Experience a smarter way to buy insurance — built for speed, transparency, and trust.
Fast Policy Issuance
Complete your purchase in under 5 minutes. Instant digital policy delivered to your email and WhatsApp.
Best Premium Comparison
Compare premiums from 20+ insurers side-by-side. Find the most affordable plan that suits your budget.
Trusted Insurers
We partner only with IRDAI-licensed insurers including ICICI Lombard, HDFC ERGO, Bajaj Allianz, and more.
Easy Claim Support
Dedicated claim assistance team to guide you through the entire claim process from filing to settlement.
Secure Online Platform
Bank-grade encryption and secure payment gateways protect your personal and financial information.
Travel Premiums
Travel Insurance Premium Guide 2025–26
Indicative per-person premiums for a healthy adult (25–45 yrs). Prices vary by insurer, age, and coverage level chosen.
| Destination | 7 Days | 15 Days | 30 Days |
|---|---|---|---|
| South East Asia | ₹350 | ₹600 | ₹1,100 |
| Europe / Schengen | ₹600 | ₹1,100 | ₹2,000 |
| USA / Canada | ₹900 | ₹1,800 | ₹3,400 |
| Domestic India | ₹120 | ₹200 | ₹380 |
| Worldwide (incl. USA) | ₹1,000 | ₹2,000 | ₹3,800 |
* Indicative premiums before GST (18%). Senior citizens (60+) pay 30–50% higher. Includes standard medical cover.
Premium Factors
How Travel Insurance Premium is Calculated
Multiple factors influence the premium you pay. Understanding them can help you optimize your insurance costs.
Destination & Region
International destinations (especially USA, Canada, Europe) attract higher premiums than domestic or SE Asia trips.
Trip Duration
Longer trips mean higher exposure and thus higher premiums. Multi-trip annual plans offer savings for frequent travelers.
Age of Travellers
Senior citizens (above 60 yrs) are charged higher travel premiums due to increased medical risk during travel.
Coverage Type
Bronze/Silver/Gold plan tiers offer different levels of coverage — higher tiers cost more but cover more risks.
Add-on Benefits
Add-ons like adventure sports cover, gadget protection, and pre-existing disease cover increase premium.
Example
Understand Travel Insurance Premium Structure with Example
Here's how a typical travel insurance premium is broken down — International Travel Plan — 2 Adults (32 & 30 yrs), 15-day Europe Trip.
Premium Breakdown
International Travel Plan — 2 Adults (32 & 30 yrs), 15-day Europe Trip
Base Premium (Europe, 15 days)₹2,800
Medical Coverage Upgrade₹600
Trip Cancellation Add-on₹350
Net Premium₹3,750
GST @ 18%₹675
Total Payable Premium₹4,425
Renewal
Benefits of Renewing Travel Insurance Online
Skip the paperwork and renew your policy in minutes from anywhere. Here's why digital renewal is the smarter choice.
Instant Coverage
Policy activates within minutes — buy even hours before your flight.
Easy Extension
Extend policy duration online if travel dates change unexpectedly.
Visa-Ready Docs
Policy document accepted instantly for visa applications.
Annual Plan Savings
Frequent travellers save 40%+ by choosing a multi-trip annual plan.
Digital Documents
All documents accessible on your phone while travelling abroad.
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