Individual Travel Insurance

Name: Individual Travel Insurance
Brand: IndusInd General Insurance
Rating: 4.9 (310 reviews)

Individual travel insurance protects you against travel-related risks such as missing your flight, losing your passport or luggage and sudden medical emergencies during your trip. This type of travel insurance is designed to cover one person during their trip.

With 84% of Indians planning solo trips and more women embracing solo journeys, travel insurance is a necessity. Most countries require it for their visa processes, and it’s also an affordable way to cover unexpected travel disruptions like hospitalisations and missed connecting flights. You also get coverage for visits from your family members for extended hospital stays during your trip.

IndusInd General Insurance (previously known as Reliance General Insurance) makes everything easy, from buying your policy in under 60 seconds to quick, cashless claims covered up to $500,000. We ensure you are protected every step of the way so you can travel stress-free.

Why US

Why 8 Crore+ Policyholders Choose Us?

Whether you're backpacking across Europe or taking a last-minute business trip, IndusInd individual travel insurance (formerly Reliance individual travel insurance) ensures you’re never alone in a crisis. We offer financial protection and support exactly when you need it.

Individual Travel Insurance

Coverage up to $500,000

Broad, dependable high-level cover

24/7 Customer Support

Always-on caring assistance

Cover Flight Cancellations

Trip interruption safeguard included

No Health Screenings

Straightforward approval, no checks

Types of Travel Insurance for Individual Travel

IndusInd General Insurance (previously Reliance General Insurance) offers tailored protection for solo travellers and covers several destinations worldwide. The duration of your trip does not matter, as we cover trips as long as 180 days and even extend up to 365 days.

1 Single Trip Travel Insurance

This plan is perfect for one-time travellers, as it offers comprehensive coverage for a single journey. It provides full policy benefits designed to fit the specific needs of a solo traveller.

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2 Multi-Trip Travel Insurance

This plan is ideal for frequent travellers, this plan provides year-round coverage for multiple trips, protecting against medical emergencies, trip delays, baggage loss and passport issues.

Explore Plan

IndusInd Individual Travel Insurance Coverage

Travel Plan (excluding USA & Canada)

This plan highlights the main benefits and coverages provided by our Individual travel plan. It encompasses all international locations, excluding the US and Canada.

Features	Standard	Worldwide (excluding USA & Canada)
Medical expenses	$100,000	$500,000
Personal liability	$100,000	$100,000
Personal accident	$20,000	$30,000
Total loss of baggage	$1000	$1000
Loss of passport	$300	$300
Delayed checked-in baggage	$100	$100
Trip delays	$25/day (maximum cap of 6 days)	$60/day (maximum cap of 6 days)
Dental treatment	$500	$500
Home burglary insurance	₹1,00,000	₹1,00,000
Compassionate visit	Return fare for a family member/doctor	Return fare for a family member/doctor

Travel Plan (Worldwide)

The essential benefits and coverages of our Individual travel plan are outlined below. This plan covers all countries, including the US and Canada.

Features	Standard	Worldwide
Medical expenses	$250,000	$500,000
Personal liability	$200,000	$250,000
Personal accident	$25,000	$30,000
Total loss of baggage	$1200	$1500
Loss of passport	$300	$300
Delayed checked-in baggage	$100	$100
Trip delays	$50/day (maximum cap of 6 days)	$60/day (maximum cap of 6 days)
Dental treatment	$500	$500
Home burglary insurance	₹2,00,000	₹3,00,000
Compassionate visit	Return fare for a family member/doctor	Return fare for a family member/doctor

Disclaimer: Please refer to the official policy documents for detailed information linked here.

IndusInd Individual Travel Insurance: Inclusions and Exclusions

Inclusions

Medical Emergency: Emergency medical expenses for any sudden illness/injury during your trip

Trip and Baggage Delay: Trip delay, cancellation and interruption due to reasons out of your control

Passport and Baggage Loss: Loss of passport, along with loss or delay of checked-in baggage for over 12 hours

Emergency Assist: In-hand emergency cash in case you lose your money due to theft during your trip

Pre-Existing Disease: Life-threatening complications from a pre-existing illness that need immediate medical attention

Exclusions

Medical Tourism: Medical tourism, cosmetic or plastic surgery and planned treatments abroad.

Undisclosed Pre-Existing Disease: Medical costs of undisclosed pre-existing conditions and travelling against your doctor’s advice

Maternity Cover: Childbirth or any pregnancy-related issues if you’re more than 30 weeks pregnant.

Legal Action: Damage due to legal violations that could result in your passport being seized by customs or local police.

Disclaimer: Please refer to the official policy document for detailed inclusions and exclusions.

Planning a Solo International Trip?

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How to Apply for Your Travel Insurance Policy

Select Trip Type

Fill out the form above and choose the purpose of your trip.

Enter Your Details

Add your travel dates, contact details, and your destination to the form.

Complete KYC

Enter your phone number and quickly complete the KYC process.

Pay & Get Policy

Make a quick online payment and receive your travel insurance policy.

Travel insurance starting at just ₹306*

Pack Your Bags, We've Got the Rest!

From medical emergencies to lost baggage, IndusInd Travel Insurance keeps you covered every step of your journey. Instant purchase, zero hassle.

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Affordable travel insurance with fast and reliable cover

How to Claim IndusInd Individual Travel Insurance?

Cashless

Confirm if the hospital will accept the cashless claim, and submit the claim form.

The EASP will assess the claim along with the submitted documents.

We place a Guarantee of Pay (GoP) to the hospital upon approval.

You can pay first and claim costs later if the hospital does not agree to the GoP.

Reimbursement

Notify the Emergency Service Assistance Provider (EASP) by email or phone.

Fill out the claim form and email all required documents.

IndusInd Care or Europ Assistance will review the claim to determine its approval.

After approval, the compensation amount or refund will be transferred to you.

Disclaimer: For the complete list of documents, please refer to your policy documents. For further assistance, you can contact customer support.

Factors to Consider While Buying Individual Travel Insurance

Your single-policy travel insurance plan must offer protection for hospitalisation and emergency evacuation, besides covering other medical expenses.

Your travel insurance should cover the entire length of your trip, whether it is a short vacation or a longer stay. We cover 180 consecutive days that can be extended to 365 days.

Your policy should cover travel and accommodation costs of a close family member if you are hospitalised abroad for an extended period. A familiar face by your side can make your stay feel lonely and overwhelming.

If your luggage is stolen, lost, damaged or delayed, and you lose your personal belongings, your travel insurance should compensate for this.

Choose a travel insurance plan with robust and round-the-clock customer service. IndusInd General Insurance (previously Reliance General Insurance) offers 24/7 emergency assistance for all our policyholders.

Your policy should enable you to tailor coverage as per your needs and travel duration. This ensures you get coverage that suits your needs and preferences.

You should always choose an online insurer like us that offers an easy and efficient claim process with cashless claim settlement at any hospital overseas.

Things To Keep on Hand When Travelling Abroad

Travel Insurance

Great to have a soft copy downloaded on your phone or saved to Google Drive for quick access. You can also download the IndusInd Insurance App for easy access to your travel policy and our claims service during your trip.

Passport and Visa

You’ll need these two documents at all times, along with your boarding pass from the moment you set foot into the airport to taking your return flight back home. So, make sure you keep them on hand.

International Roaming or Local SIMS

Your choice will depend on what makes sense for you. You can check if your phone supports eSIMs, which can make adding local carriers a lot easier. WiFi is another consideration since not all places have public WiFi.

Forex Cards/Credit Cards

Forex cards help you stick to a budget since you can preload them and offer better ATM withdrawal rates than debit/credit cards. Meanwhile, credit cards offer extra benefits like airport lounge access and reward points.

Cash

It is always advisable that you carry local currency to ensure you are not stuck when in places that are cash-heavy especially for your local purchases and small value expenses. For eg. Countries like Japan are cash-forward.

Useful Apps

Apps like Trainline, Rome2Rio, Citymapper and even Google Maps can simplify commutes when travelling within city. Google Translate and Currency Converter Calculator can be great for non-English speaking countries and anyone travelling on a budget.

How is IndusInd Individual Travel Insurance Better?

Features	IndusInd Individual Travel Plan	IndusInd Family Travel Plan	Other Insurer
Medical Expenses	$500,000	$250,000	$500,000
Personal Liability	$250,000	$200,000	$500,000
Baggage Loss	$1,500	$1,000	$300
Loss of Passport	$300	$300	$250
Trip Cancellation	$600	$600	$500
Personal Accident	$30,000	$25,000	$15,000

International Travel Insurance For Popular Destinations

Key Takeaways

IndusInd individual travel insurance (previously Reliance individual travel insurance) is designed with solo travellers in mind. It offers benefits such as medical emergency coverage, compassionate visit benefits, home burglary insurance, luggage delay coverage and more starting at just ₹306*.

Since solo travel is booming across India, with more people than ever choosing to explore the world on their own terms, a travel insurance plan is a great way to cover any emergency costs. Most popular destinations like Japan, Abu Dhabi (UAE), Europe, USA and Canada have high medical costs, so a travel plan with a high sum insured is non-negligible regardless of whether it’s mandatory to cover any emergency expenses.

With IndusInd General Insurance, you get coverage up to $500,000, cashless claims at any hospital overseas, quick online claims and sn instant policy purchase process. IndusInd individual travel insurance is not just a smart move; it is a must-have for every solo adventurer.

Relevant Links for Travel Insurance

Family Travel Insurance

Student Travel Insurance

Senior Citizen Travel Insurance

Annual Multi-Trip Insurance

Travel Insurance for Top Destinations

USA Travel Insurance

Dubai Travel Insurance

Canada Travel Insurance

Schengen Travel Insurance

Singapore Travel Insurance

Vietnam Travel Insurance

Voices of Trust

Stories shared by our happy customers!

Total Average Rating

Based on ratings

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4.7 ★ ★ ★ ★ ★ (45)

Amballa Sanyasi Naidu

Trimulgherry

Value for money

I had a positive overall experience while applying for Travel insurance. I felt that my protection needs were well addressed with this policy. No complementary product was necessary for me at this stage.

Bhavin Prabhu Lalsengani

Thane

Quick policy issuance

Buying a Travel policy through the platform was straightforward and quick. It met my requirements well and felt tailored to my needs.

Nilesh Rajendragirase

Thane

Seamless digital experience

I recently purchased my Travel insurance from Reliance (now IndusInd) and found the experience very smooth. The coverage provided matches my expectations and feels comprehensive. I am satisfied with the main policy and don't see a need for extras.

Roshan Kumar

New Delhi

Quick policy issuance

I had a positive overall experience while applying for Travel insurance from Reliance (now IndusInd) . I felt that my protection needs were well addressed with this policy. No additional coverage seemed required for my needs. The convenience and clarity made this a good experience.

Naveen Chanderbhatt

New Delhi

Seamless digital experience

I recently purchased my Travel insurance and found the experience very smooth. It aligns well with what I needed from an insurance policy.

Vivek Pathak

Rangareddy

Quick policy issuance

I had a positive overall experience while applying for Travel insurance from Reliance Insurance (now IndusInd Insurance) . It aligns well with what I needed from an insurance policy. I did not feel the need for any other products at this time.

Jani Bashashaik

Rangareddy

Quick policy issuance

I had a positive overall experience while applying for Travel insurance from Reliance (now IndusInd). I felt that my protection needs were well addressed with this policy. I did not feel the need for any other products at this time. I'm happy with how everything went and feel secure with my policy.

Madhu Smita Parida

Rangareddy

Quick policy issuance

I recently purchased my Travel insurance and found the experience very smooth. It met my requirements well and felt tailored to my needs.

Yogya Kolliboina

Rangareddy

4.5

Seamless digital experience

I had a positive experience while applying for Travel insurance from Reliance Insurance Company (now IndusInd Insurance Company) . The plan offered exactly the type of coverage I was expecting. Currently, I don't think I require any additional plans or add-ons.

Saroja Kolliboina

Rangareddy

Quick policy issuance

From start to finish, the process of getting my Travel insurance was convenient. I felt that my protection needs were well addressed with this policy.

Syam Prasadkolliboina

Rangareddy

Quick policy issuance

The journey of purchasing Travel insurance felt effortless and user-friendly. I felt that my protection needs were well addressed with this policy.

Kishore

Ramanathapuram

Quick policy issuance

I had a positive overall xperience while applying for Travel insurance with Reliance Insurance (now IndusInd Insurance). The plan offered exactly the type of coverage I was expecting. I did not feel the need for any other products at this time.

Sevika M Shetty

Panchkula

4.5

Seamless digital experience

I recently purchased my Travel insurance from Reliance Insurance (now IndusInd Insurance) and found the experience very smooth. I felt that my protection needs were well addressed with this policy. No complementary product was necessary for me at this stage. The convenience and clarity made this a good experience.

Hadamata Ram

Palghar

Quick policy issuance

From start to finish, the process of getting my Travel insurance was convenient. The coverage provided matches my expectations and feels comprehensive. Currently, I don't think I require any additional plans or add-ons. Overall, it was a seamless experience with Reliance General Insurance (now IndusInd General Insurance) and I am satisfied.

Himanshu Marwal

Nainital

4.5

Seamless digital experience

I recently purchased my Travel insurance from Reliance Insurance Company (now IndusInd Insurance Company) and found the experience very smooth. The plan offered exactly the type of coverage I was expecting. I am satisfied with the main policy and don't see a need for extras.

Shiv Prasad Yadav

Mumbai

Quick policy issuance

From start to finish, the process of getting my Travel insurance was convenient. The plan offered exactly the type of coverage I was expecting.

Padmanabhan

Mumbai

Quick policy issuance

The journey of purchasing Travel insurance felt effortless and user-friendly. It aligns well with what I needed from an insurance policy.

Alpabharat Gala

Mumbai

Quick policy issuance

The journey of purchasing Travel insurance from Reliance Insurance (now IndusInd Insurance) felt effortless and user-friendly. I felt that my protection needs were well addressed with this policy. No complementary product was necessary for me at this stage. I found the entire process trustworthy and efficient.

Pradip Kumar C Patel

Mumbai

4.5

Seamless digital experience

From start to finish, the process of getting my Travel insurance from Reliance (now IndusInd) was convenient. The coverage provided matches my expectations and feels comprehensive. Currently, I don't think I require any additional plans or add-ons. I found the entire process trustworthy and efficient.

Rakhee Mitesh Rohira

Mumbai

Seamless digital experience

Buying a Travel policy through the platform was straightforward and quick. It met my requirements well and felt tailored to my needs. I did not feel the need for any other products at this time.

Abijith Chandrap

Kottayam

Quick policy issuance

I had a positive overall experience while applying for Travel insurance with Reliance (now IndusInd). It aligns well with what I needed from an insurance policy. No complementary product was necessary for me at this stage. I'm happy with how everything went and feel secure with my policy.

Ramanji

Bengaluru

Quick policy issuance

The journey of purchasing Travel insurance felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting.

Gawande Sapna Tej Rao

Akola

Quick policy issuance

The journey of purchasing Travel insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive. No additional coverage seemed required for my needs.

Jitendra Bhaiganapat Ram Raval

Ahmedabad

Quick policy issuance

I had a positive overall experience with Reliance Insurance (now IndusInd Insurance) while applying for myTravel insurance. It met my requirements well and felt tailored to my needs. I am satisfied with the main policy and don't see a need for extras. I found the entire process trustworthy and efficient.

Nayan Bhai Narshi Bhaivariya

Ahmedabad

Quick policy issuance

Buying a Travel policy from Reliancre General Insurance (IndusInd General Insurance) was straightforward and quick. It met my requirements well and felt tailored to my needs. I am satisfied with the main policy and don't see a need for extras. The process felt reliable and I would recommend it to others.

Ahmar T

Ghaziabad

Value for money

I was going on a simple holiday and wanted basic cover without unnecessary additions. I only paid for my exact travel dates, and the coverage level felt right for where I was travelling.

Pari K

Kalyan-Dombivali

Seamless digital experience

My office trip was confirmed suddenly. I bought the travel policy online, downloaded the copy, and shared it with my office the same day.

Amarpreet Singh

Punjab

Easy application

I was confused between baggage delay and trip cancellation. The advisor explained the difference clearly, so I chose what was actually useful for my trip.

Giju Rojijohn

Kerala

Quick policy issuance

I realised at the last moment that I needed the policy before leaving for the airport. Bought it quickly on my phone and kept the copy with my travel papers.

Madhusmita Parida

Rangareddy

Seamless digital experience

After finalising my itinerary, I bought the travel policy on the app. Adding the destination, dates and traveller details was straightforward.

Roshan Kumar

South West Delhi

Value for money

I didn't need a big plan for a short holiday. I chose travel cover only for my actual trip days, so the price felt fair.

Yogya Kolliboina

Rangareddy

Easy application

This was my first time buying travel insurance myself. I kept my passport and ticket details ready, and the form was simple enough to complete without help.

Amballa Sanyasi Naidu

Thane

Value for money

I was buying travel insurance for a family holiday. The advisor explained medical cover and baggage benefits, so I could choose one plan for all of us.

Nilesh Rajendra Girase

Thane

Seamless digital experience

I bought travel insurance on my phone while going to office. The pages opened properly, and I finished it without needing my laptop.

Santoshi C

Darjiling

Easy application

I was unsure how medical help works if something happens abroad. The advisor explained it in normal words, and then I felt more comfortable taking the policy.

Himanshu Marwal

Nainital

Value for money

I was travelling to a country where hospital costs can get quite expensive. The advisor helped me choose a cover amount that felt safe without pushing up the price unnecessarily.

Somanath Tarikere

Karnataka

Seamless digital experience

I was keeping all travel papers ready in one place. Buying the insurance online was quick, and I could save the copy with my passport scan and visa papers.

Sheela R

Belagavi

Easy application

I had a connecting flight, so baggage delay was on my mind. I checked that part properly before buying, along with medical cover for the trip.

Naveen Chanderbhatt

South West Delhi

Easy application

Effortless process with IndusInd Insurance (Formerly know as Reliance General Insurance) Travel Insurance

Deepak Sharma

Baroda

Seamless digital experience

I booked my tickets late at night and bought travel insurance right after that. The copy came soon, so I saved it in the same folder as my flight ticket.

Gawande Sapna Tej Rao

Akola

Quick policy issuance

Mine was just a 5-day trip, so I didn't want an expensive plan. I picked the cover that matched my dates and destination, and the amount felt okay.

Nayan Bhai Narshi Bhaivariya

Ahmedabad

Quick policy issuance

My flight was the next day and travel insurance was still pending. I bought it on my phone after dinner and got the WhatsApp copy quickly. Felt relieved before packing.

Raman Ji

Bengaluru

Quick policy issuance

I needed the travel policy for my visa file. Filled the trip details, got the document quickly, and added it with my passport and ticket papers.

Jitendrabhai Ganapatram Raval

Ahmedabad

Value for money

For my Europe trip, I mainly wanted medical cover. I could see the hospital and emergency details clearly, so I did not have to overthink while choosing the plan.

Caroline Ghosh

MUMBAI

Easy application

The process of applying for my travel insurance policy was simple and quick to complete.

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Frequently Asked Questions (FAQs)

Why do I need Individual travel insurance?

You need individual travel insurance to safeguard yourself financially when unexpected events arise during your travel and disrupt your plans. It also provides support in emergencies such as hospitalisation due to accidents, injuries or urgent evacuation due to sudden health issues.

Can I cancel my individual travel insurance?

Many insurance providers offer a free-look period (10-15 days from the day of purchase), during which you can cancel the policy and receive a full refund. After this period, the cancellation policy may vary, and you may receive a partial refund.

Is there an age limit/criterion for the issuance of individual travel insurance?

It depends on your travel insurance policy. At IndusInd General Insurance (previously Reliance General Insurance), we provide policies starting from the age of 3 months to 65 years.

I have an immigration visa. Can I buy travel insurance?

Our travel insurance is applicable for one-way trips as well so this includes immigration travel too. However, the maximum coverage duration is 60 days only.

How much paperwork will I have to do to buy an individual travel insurance policy?

If you buy an IndusInd travel insurance (formerly known as Reliance travel insurance) policy online in India, there is zero paperwork involved.

For how many days can I get the travel insurance plan?

You can get a travel insurance policy for up to 180 days if it is for a single trip. It can be for up to 365 days if it is an annual multi-trip. If you are a student, you get your travel insurance for up to 730 days.

How is the premium for individual travel insurance determined?

Your age, trip duration, destination, cover amount, and travel insurance coverage type will influence your plan’s premium amount. High-risk destinations and longer trips result in higher premiums.

If I want to extend my travel policy online, what will be the premium to be paid?

You cannot extend your travel policy online. The premium will depend on your plan, travel destination, geographical coverage, the number of days in your primary policy and the number of extended days you need.

What is Individual travel insurance?

An individual travel insurance plan is designed to protect solo travellers against travel-related risks. It offers comprehensive financial coverage for unforeseen events like medical emergencies, trip cancellations, luggage loss, passport loss and more.

Is individual travel insurance mandatory?

It is not mandatory in all countries. However, certain destinations like Thailand, UAE, Nepal and Turkey require proof of your travel insurance at the time of entry.

What is a deductible? Is it necessary?

Deductible is the amount you agree to pay from your pocket when you make a claim. After you pay the deductible amount, your travel insurance will cover the remaining amount. Please read the policy wording for more clarity.

Can someone who is working abroad buy a travel insurance plan?

Travel insurance does not apply here. Our policies are designed for leisure or business travel only.

As someone who travels for business, am I eligible for an individual travel insurance policy?

You can opt for our international travel insurance policy. Our travel insurance plans are designed to cater to leisure and business trips. If you are a frequent traveller, you can choose our annual multi-trip plan.

When should I buy individual travel insurance?

Buy your travel insurance as soon as you book or plan your trip. The earlier you buy, the sooner you can start receiving the benefits. It will cover you for any event that occurs before you leave for your trip, including trip delays or cancellations.

How many times can I extend my travel insurance plan?

You can only extend your travel insurance plan while on your trip. This will require approval from IndusInd General Insurance’s (previously Reliance General Insurance) concerned team. However, this extension cannot exceed 365 days.

If I meet with an accident when travelling abroad, what is covered in my policy?

If, unfortunately, you meet with an accident and are injured while on your trip, all emergency medical expenses for inpatient and outpatient treatment are covered. Travel to the nearest hospital, lab tests, etc., are also covered.

How to renew/extend IndusInd travel insurance?

You can easily extend your existing travel insurance policy, even though renewal options are not available. Contact our team and inform us about your extended travel plans. Next, download and fill out our Extension Form and Good Health Declaration Form. Submit the forms, and our insurance experts will get in touch for further steps. If you have queries about how to extend, renew or buy travel insurance online, contact our customer support team.

Are there any discounts available on premium amounts?

Currently, there are no discounts applicable to our travel insurance plans.

Do I have to register the claim within a specific time frame from the time of the accident?

It is recommended that you inform our claims team as soon as possible.

What is covered by the delay in check-in luggage?

If your checked-in luggage is delayed for more than 12 hours or misdirected by the airline in the wrong direction, you are reimbursed for ‘necessary emergency expenses’ such as the purchase of clothes, medicines and toiletries.

What are the popular visa-free and visa-on-arrival countries for solo travel?

Visa-Free Countries include – Japan: Experience the modernity and culturally rich environment of Japan carefree with our travel insurance, designed to add an extra layer of security to your solo trips. Iceland: A land of natural wonders, Iceland has a friendly, English-speaking population. Elevate your solo journey with our individual travel insurance, protecting you from all sorts of unexpected events. Mexico: Mexico offers authentic experiences that must be enjoyed with complete peace of mind. With us, you can travel with confidence, knowing you are protected if things do not go as planned. Malaysia: A gem from Asia, Malaysia offers a warm and exciting experience for anyone travelling alone. To ensure your solo travels go smoothly, remember to add our individual travel insurance plan to your trip. Visa-on-Arrival Destinations Indonesia: If you wish to explore stunning beaches and rich cultural heritage on your own, Indonesia is the way to go. Wherever your wanderlust takes you, we have got your back, protecting you every step of the way. Thailand: Discover the Land of Smiles with peace of mind. With our comprehensive travel insurance plan, you are free to experience the best of Thailand with coverage for unexpected twists and turns.

How will my claim be settled abroad by IndusInd General Insurance?

At IndusInd General Insurance (previously Reliance General Insurance), we have a global TPA (third-party administrator) network. They assist our customers in settling their claims abroad. However, the final decision on the claim will be made after assessing all documents received.

How long will it take for my claim to be settled?

It will take approximately 30 business days from the date the last documents are received for final claim settlement.

Are ambulance charges covered?

Transportation to the nearest hospital and the cost of accompanying a friend/family member are covered. If medically necessary, air ambulance charges are also covered. However, this is subject to approval from the claims team. Read the policy wording to learn more.