Travelling adds value to life, rendering utmost happiness and inner peace. But, unfortunately, due to the COVID-19 pandemic, there had been a bar on travelling throughout the world. Nevertheless, with the world slowly returning to a close-to-normal condition and travel regulations being eased by most nations, it can be anticipated that travelling will rise in the prospective months. Besides, year-end festivities are near, and with the current wedding season, people have already started planning to travel to their favourite places.
Nevertheless, it is essential to note that the COVID-19 pandemic is not over yet. Thus, it is crucial to have travel insurance while visiting abroad. Besides, a travel insurance policy also gives complete coverage for unpredicted travel adversities like luggage-related issues, medical issues, theft, etc. Hence, to do away with these hurdles and enjoy your trips to the fullest without any worries, purchase top-notch travel insurance from Heute & Morgan.
Travel insurance is a form of insurance that offers complete financial support to you on all your trips to facilitate safer and smarter travel. A travel insurance policy covers educational trips, business trips, and vacations.
Our travel insurance covers all, from missed connections and unpredictable flight delays to a wide range of medical and non-medical emergencies and loss/ theft of belongings. Moreover, due to the COVID-19 pandemic situation, we are also offering travel insurance policies with COVID-19 coverage to cover all medical expenses related to COVID-19 hospitalization and treatment anywhere across the world. So, right from your flight take-off to your return journey, our travel insurance plans will secure your entire trip while ensuring that you are covered through it all.
Medical expenses
COVID-19 coverage
Personal accidents
Flight delays
Loss/Delay of baggage
Emergency financial assistance
Travel plan for individuals
Are you travelling alone to explore newer destinations and unravel great experiences? Then, get H&M's Individual Travel Insurance, complemented with default perks, to experience smooth and seamless solo travel.
Travel Palan
A good claim settlement ratio (CSR) highlights the pattern of resolution of claims by an insurer. So, while buying the best travel insurance plan, you must ensure that the insurance company has a high CSR.
Travel plan for families
Family trips help you make cherishable memories that surpass time and last across ages. So, opt for our Family Travel Insurance today to give your loved ones the utmost security as you and your family take off for your favourite vacation.
Travel plan for students
Have you just received your offer letter from the foreign university you've dreamt of studying in throughout your life? Well, then secure your stay abroad with the most reliable travel insurance from H&M while putting the entire focus on your studies.
Travel plan for frequent fliers
Do you love travelling and making holiday plans multiple times a year? If yes, stay wholly covered on your multiple trips through our all-in-one comprehensive Annual Multi-trip Insurance Policy. Also, enjoy easy policy renewals, in-house claim settlements, and many more.
If you face a medical emergency during the travel, do not worry, we are right here to help you with our cashless treatment facility.
Dental care is as crucial as hospitalization because of physical injury or illness. Thus, we cover dental expenses during your trip.
Mental travel is imperative to sync in with a travely life. Thus, our travel insurance policy covers you with all hospitalization expenses incurred due to an ordeal or any other mental illness.
Our travel insurance includes immediate medical evacuation via land or air in case of life-threatening emergencies. In addition, we ensure that you are taken to the nearest clinic safely.
Trivial hospitalization payments can consume a lot of your travel budget. So, we cover all those little payments and facilitate daily cash allowance for hospitalization up to a maximum of 5 days.
Our insurance covers accidental death during travel and offers a lump sum remuneration to support your family financially. We even cover the expenses of transporting the mortal remains to the homeland.
Accidents are uncertain, but they can cause lifetime disabilities. Thus, we provide a lump sum amount of money to release your economic burden post-accident and disablement.
Our insurance policy does not cover the medical issues or illnesses caused due to war or breach of law and regulations.
If you already have a health disorder before making the trip and undergo medical treatment for a disease that already exists, our insurance does not cover the expenses related to these instances.
If you or your family members undergo any obesity or cosmetic treatment during the trip you've insured, such expenses stay uncovered.
If you consume any banned or intoxicant substances during your travel and fall sick, our insurance policy will not cover any claim for such issues.
We do not cover any medical costs or hospitalization expenses caused due to self-inflicted injuries.
The premium for your travel insurance policy is calculated based on the length of your trip. Therefore, the longer your journey, the more the risks will be, leading to a higher insurance premium.
Depending on the risks associated with your travel destination, your insurance premium will vary. So, when you plan to travel to an economically stable and safer destination, your premium cost will be low and vice versa.
If you are travelling alone, the sum insured and premium for the insurance will be lesser. But when you make a family or group trip, the cost will depend on every traveller's age and medical history. Older people are charged a relatively higher premium due to the more risks associated with them.
Every travel insurance policy has a maximum sum insured that is reimbursed after claim settlement or benefits. The higher the amount assured for a travel insurance policy, the higher the premium will be, but it will come with enhanced coverage throughout your trip.
The travel insurance premium also depends on the coverages you avail of yourself. If you opt for a bare minimum coverage, the premium will be lesser in such a case. But when you want more add-on covers for covering higher risks, the premium will be costlier.
The claims procedure of H&M travel insurance is pretty simple and easy. You can claim your policy online in cashless or reimbursement modes.
Please inform us about your claim in our email … and receive a list of network hospitals from TPA.
We will share all the documents needed for the easy cashless claim processing.
Download the online claim form here and fill it up correctly.
Email the digital claim pattern to … along with the Release of Medical Information Form (ROMIF).
Intimate your claim to our email … or call us on our international toll-free number …
We will share the document checklist needed for claim reimbursement.
Send the digital claim form, along with all the necessary claim documents, to …
The claim is enrolled by the H&M call centre executive on the respective claims system.