Want hassle-free travel insurance?
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I want a travel insurance plan that's flexible but doesn't hide behind fine print. How do I find one that actually simplifies the claims process and clearly outlines what's excluded? I need to know exactly what paperwork to keep so that a medical emergency doesn't turn into a financial nightmare.
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When you're picking a plan, stick with the big names like ACKO or Tata AIG. You want that 98%+ claim settlement ratio for peace of mind.
My advice is: read the 'exclusions' first. A lot of people get caught off guard because things like pre-existing issues or adventure sports aren't covered by default. Just make sure to keep digital copies of everything — bills, reports, and even a police FIR if something gets stolen. If you file within 30 days of getting back, the whole process is much smoother.