Travel Insurance for Schengen Visa in India - Exclusions, limitations, restrictions:

 



•        As pointed out before, there are insurance carriers that simply do not offer cover for a previous health condition in any domain abroad.

•        In case you are already suffering from a condition preceding your departure (like Asthma) and are already diagnosed with it, your insurer will refuse to alleviate any related medical bill incurred overseas.

•        If you are declared perfectly fit to voyage after getting an OK from the doctor that the condition is under control, then you do have the right to get expenses due to any sudden medical emergency reimbursed.

•        Your thrill-seeking nature can gift you with a wealth of experience and tales. But insurance firms generally do not look kindly on it. Taking part in heavy-risky activities and extreme sports such as bike stunts, skydiving, aqua sports and more are certainly out of the list unless you are willing to pay additional premium for it.

•        You know a war is going on in the place or it is rife with political unrest. Most insurance firms will flatly refuse covers for any kind of harm or injury because you chose to go to an imperilled war zone.

•        Every policy comes with a specific period attached to it. If the incident due to which you are making a claim happened in the said time frame, there is nothing to fear. Else it is rejection. Also, prices of policies vary according to the tenure you select.

•        Suicide, attempt to suicide or self-inflicted injuries – Insurance companies show no mercy if there is slightest evidence towards any or more of these three when cross checking a customer’s claim. No matter what kind of insurance or where you buy it from, these reasons are solid exclusions.

•        For some, a trip overseas is unimaginable without some doze of intoxication. How heavy that intoxication is and what trouble you are likely to get into while in that state is the question here. Drunk driving, getting into a spot of fix with the law etc. in such a state will never be covered by any policy let alone a Schengen Travel Insurance.

In the Schengen Visa Itinerary also, we have the Flight Itinerary, Hotel Booking and the best Travel Insurance services are there.

 

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