Can you tell me the practical use and realistic value while i travel
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Here's a practical breakdown of your Go Digit "On The Move" International Travel Insurance policy — what each cover actually means when you're abroad, and how realistic/valuable it is:
👤 Your Policy at a Glance
| Insured | Takshit Vijaykumar Shah (DOB: 23 Jun 1999) |
| Trip Period | 18 May 2026 – 17 Aug 2026 (~3 months) |
| Destination | Worldwide including USA, Canada & Caribbean |
| Purpose | Work / Business |
| Premium Paid | ₹9,218 (after 5% Good Health Discount) |
🏥 Medical Covers — Most Critical Abroad
| Cover | Sum Insured | Deductible | Practical Value |
|---|---|---|---|
| Medical Treatment & Evacuation | USD 2,50,000 | USD 100 | ⭐⭐⭐⭐⭐ Highest value. A single hospital visit in the US easily costs $5,000–$50,000+. This cover is the core reason to buy travel insurance. COVID hospitalisation is also covered. |
| Accidental Treatment & Evacuation | USD 2,50,000 | USD 100 | ⭐⭐⭐⭐⭐ Same as above but specifically for accidents. Medical evacuation back to India can cost $50,000–$1,00,000 alone. |
| Dental Treatment | USD 400 | USD 80 | ⭐⭐⭐ Emergency dental in the US costs $200–$600 for a basic procedure. Covers emergencies only, not routine work. |
| Waiver of PED | USD 7,500 | USD 100 | ⭐⭐⭐ If you have a pre-existing condition that's NOT on the exclusion list, this cover gives you $7,500. Check your specific condition. |
| OPD | 10% of base SI (~$25,000) | USD 100 | ⭐⭐⭐⭐ OPD (outpatient visits) is covered under sections 1 & 2 — valuable for doctor consultations without hospitalisation. |
⚠️ Excluded pre-existing conditions: Cancer, HIV, COPD, Chronic Liver/Kidney disease, Parkinson's, Alzheimer's, Thalassemia Major, Lupus, Crohn's, Ulcerative Colitis, Major Organ Failure.
✈️ Flight & Travel Disruption Covers
| Cover | Sum Insured | Trigger | Practical Value |
|---|---|---|---|
| Delay of Checked-In Baggage | USD 100 | 6 hours late | ⭐⭐⭐ Enough to buy essentials (toiletries, a change of clothes) if your bag is delayed. |
| Total Loss of Checked-In Baggage | USD 750 | Complete loss | ⭐⭐⭐ Partial relief — a new wardrobe in the US will cost more. Keep receipts and file immediately. |
| Common Carrier Delay | USD 25 | 4 hours delay | ⭐⭐ Just USD 25 — symbolic. Barely covers a meal at an airport. |
| Missed Connection | USD 750 | 6 hours | ⭐⭐⭐⭐ Useful if a delayed inbound flight causes you to miss a connecting flight. Covers rebooking costs. |
| Trip Cancellation | USD 750 | — | ⭐⭐⭐ Covers non-refundable bookings if you must cancel for a covered reason. Deductible: $150. |
| Trip Abandonment | USD 750 | — | ⭐⭐⭐ If you have to cut your trip short (e.g. family emergency). Covers unused costs. Deductible: $75. |
| Trip Extension | USD 750 | — | ⭐⭐⭐ If your return is forcibly delayed (e.g. flight cancellation), covers extra hotel/food costs. |
| Bounced Hotel Booking | USD 750 | Confirmed but denied | ⭐⭐⭐⭐ Very useful — if your hotel cancels last minute, covers alternative accommodation. Deductible: $75. |
| Bounced Flight/Common Carrier | USD 750 | Confirmed but denied | ⭐⭐⭐⭐ Covers rebooking costs if airline denies boarding on a confirmed ticket. |
| Missed Cruise | USD 1,000 | — | ⭐⭐⭐ Covers expenses to catch up to a cruise if you miss the departure port due to travel disruption. |
| Cruise Evacuation | USD 750 | — | ⭐⭐⭐ Medical evacuation from a cruise ship. |
💰 Personal Safety & Liability Covers
| Cover | Sum Insured | Trigger | Practical Value |
|---|---|---|---|
| Personal Accident (Death/Disability) | USD 10,000 | Accident | ⭐⭐⭐ Modest coverage — only ₹8–9 lakh. If you have a family term plan, this supplements it. |
| Accidental Death – Common Carrier | USD 5,000 | Death on airline/bus/train | ⭐⭐⭐ Additional payout if you die in a transport accident. |
| Personal Liability & Bail Bond | USD 2,00,000 | Third-party damage/injury | ⭐⭐⭐⭐⭐ Extremely valuable in the US. If you accidentally injure someone or damage property, lawsuits can be enormous. Bail bond is included. |
| Hijack Distress Allowance | USD 100 | After 1 day | ⭐⭐ Symbolic — $100/day up to the limit if your flight is hijacked. |
🆘 Assistance & Miscellaneous Covers
| Cover | Sum Insured | Practical Value |
|---|---|---|
| Emergency Cash Assistance | USD 1,000 | ⭐⭐⭐⭐ If your wallet/cards are stolen, the insurer arranges emergency cash delivery. Very practical abroad. |
| Loss of Passport/Driving License | USD 300 | ⭐⭐⭐ Covers consular fees and document replacement costs. Deductible: $30. |
| Daily Cash Allowance (Hospitalisation) | USD 100 | ⭐⭐⭐ $20/day for up to 5 days if hospitalised for 2+ consecutive days. Covers incidentals. |
| Hazardous/Adventure Sports | Covered | ⭐⭐⭐⭐ Covered if activity is under 24 hours continuously. Great if you plan hiking, skiing, water sports, etc. |
| Home Building & Contents | INR 2,00,000 | ⭐⭐ Covers your home in India while you're away. Useful but low limit. |
| Golfer's Hole in One | USD 750 | ⭐ Niche — only relevant if you're playing golf and hit a hole-in-one (traditionally means you buy drinks for everyone). |
| Worldwide 24-Hr Travel Assistance | Covered | ⭐⭐⭐⭐⭐ 24/7 helpline for medical referrals, translation, legal referrals. Call them first in any emergency. |
| Home to Home Cover | Covered | ⭐⭐⭐⭐ Coverage starts from your home in India, not just from the airport. |
💡 Key Things to Know Before You Travel
- Always call the 24-hr helpline first before going to a hospital — they can pre-authorise cashless treatment, which avoids you paying out of pocket and claiming later.
- Deductibles are per claim — for medical, you pay the first USD 100, the insurer pays the rest up to the limit.
- Trip must start from India — if you're already abroad when the policy starts, it's invalid.
- OPD visits are covered (up to 10% of base SI ~$25K) — don't assume only hospitalisations are covered.
- Adventure sports are covered as long as no single activity lasts more than 24 hours continuously.
- Several countries are excluded — check the list before any transit through places like Ukraine, Israel, or Pakistan.
📊 Overall Value Assessment
At ₹9,218 for ~3 months to USA/Canada, this is very good value. The US has some of the world's most expensive healthcare — a single ER visit can wipe out ₹5–10 lakh. The $2,50,000 medical cover alone justifies the premium many times over. The personal liability cover of $2,00,000 is an underrated gem for the US market.
Helpline: 1800-258-5956 / 1800-103-4448 | godigit.com
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