It’s not legally mandatory but strongly recommended. Sri Lanka, Thailand, and Bali all have high medical costs for foreign visitors. A single hospitalisation without insurance can cost ₹2–5 lakh. The ETA for Sri Lanka doesn’t require insurance, but it’s one of the smartest ₹500 you’ll spend on any trip.

Yes — Schengen visa applications require proof of travel insurance with a minimum €30,000 medical cover. The policy must be valid for all Schengen countries and cover the entire duration of your stay. Both Bajaj Allianz and HDFC ERGO offer Schengen-compliant plans.

Bajaj Allianz Travel Companion starts from ₹14/day and is well-suited for short Asia trips. For longer trips, international destinations, or higher coverage needs, a standard plan from HDFC ERGO or Tata AIG at ₹30–60/day gives significantly better protection.

Always call your insurer’s 24-hour international helpline first — before paying for anything, if possible. Keep all original receipts, police reports, and hospital documentation. Most claims can be submitted online within 30 days of the incident. Cashless claims require prior insurer authorisation through an empanelled hospital.

Yes — you can buy travel insurance any time before your departure date. However, trip cancellation cover only applies to events that occur after you purchase the policy. Buying early also ensures you’re covered if something prevents you from travelling before you even leave India.