Travel Insurance for the UK from India
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Note: The above data is till 1st April, 2025
Travel Insurance for the UK: Coverage, Cost & How to Choose
Travel insurance for the UK from India is a policy designed to protect Indian travellers against unexpected financial risks during their visit to the United Kingdom. The UK has a high cost of living, and medical treatment for overseas visitors can be expensive since the National Health Service (NHS) does not provide free healthcare to tourists. A travel insurance plan for the UK from India covers medical emergencies, trip cancellations, baggage loss, flight delays, and personal liability, giving you complete peace of mind while you explore England, Scotland, Wales, or Northern Ireland. Whether you are travelling for tourism, studies, business, or to visit family, having travel insurance for the UK ensures you are financially protected throughout your stay.
Benefits of travel insurance for the UK
Travel insurance for the UK provides financial protection and peace of mind, covering a range of medical and travel-related emergencies during your trip.
Key features of travel insurance for the UK
UK travel insurance offers features designed to keep your trip safe, convenient, and financially secure.
High sum insured options
Choose from multiple coverage levels to match the UK's high healthcare and travel costs.
Cashless hospitalisation
Access cashless treatment at partner hospitals and clinics in the UK through the insurer's global assistance network.
Instant online Purchase
Buy travel insurance for the UK online from the Zurich Kotak website in minutes with instant policy issuance.
Flexible plan durations
Single-trip and annual multi-trip options available, suitable for one-time visitors and frequent travellers alike.
Global expertise
Backed by Zurich Insurance Group's international network, offering reliable support across the United Kingdom.
Reasons to buy Zurich Kotak travel insurance plan
Purchasing travel insurance is a wise decision that can save you from financial losses and stress, allowing you to enjoy your trip. Know why you need to have travel insurance:
Protects from medical expenses
Medical expenses such as hospitalisation or emergency medical evacuations are covered while travelling.
Covers delayed/missed flight
Another critical reason for having travel insurance is trip delays or missed a connecting flight.
Protects checked-in-baggage
Offers protection against loss of checked-in-baggage and can reimburse for the value of belongings, if your luggage is lost.
Allows compassionate visit
A family member or relative is allowed during the period of hospitalisation of an insured person.
Covers trip cancellations
The cost of trip cancellations is covered either fully or partially if you have a travel insurance.
Types of travel insurance plans for the UK offered by Zurich Kotak
Zurich Kotak offers a range of travel insurance plans to suit different travel needs for the UK. Here is a detailed look at the plan types and coverage categories:
Designed for one specific journey, this plan provides comprehensive protection during your trip. It covers medical emergencies, hospitalisation, emergency evacuation, trip cancellations, and travel-related disruptions. Ideal for occasional travellers, it ensures financial security and peace of mind without committing to annual coverage, making travel safer and worry-free.
Perfect for frequent travellers, this plan covers multiple trips within a year. It automatically activates for each journey, offering medical, travel, and emergency protection. It includes hospitalisation, evacuation, trip interruption, and baggage coverage. This plan saves time and money for regular travellers, providing convenience and continuous protection throughout the year.
Don't overspend on travel insurance
Compare plans with us
| Excel | Prime | |
Sum Insured | ||
| Medical Cover | ||
 Medical Expenses -Accident and Illness |  | |
 Daily Allowance | | |
 Medical Evacuation | | |
 Repatriation of Mortal Remains | | |
 Dental Expenses | | |
 Compassionate Visit | | |
 Adventure Sports Cover * | | |
 Trip Extension (Overseas) * | | |
 Waiver of Sub-limits * | | |
 Addition of Co-pay * | | |
 Medical Expenses - Accident Only * | | |
 Pre-existing Disease cover * |  | |
 Home to Home Cover * | | |
 Waiver Of Deductible * | | |
| Travel Inconvenience Covers | ||
| Accident Covers | ||
| Other Covers | ||
| Get Quote | Get Quote |
* Optional features are available for an additional premium. Please refer to the detailed list of coverages to confirm their availability before finalising your policy purchase.
Above plan is for Asia geography, please refer brochure and policy document for other geography plan compare.
What is covered and not covered under travel insurance for UK from India
Travel insurance for the UK from India provides financial protection against unexpected medical and travel-related emergencies, but it is important to know what is included and what is excluded.
Emergency hospitalisation and surgical expenses
Covers the cost of hospital stays, surgeries, ICU charges, and other critical treatments if you fall ill or have an accident during your trip to the UK.
Outpatient treatment and doctor consultations
Provides coverage for consultations with doctors, diagnostic tests, and minor treatments that do not require hospital admission.
Emergency dental treatment
Covers urgent dental care needed due to sudden pain or accidental damage to natural teeth while traveling.
Medical evacuation and repatriation of mortal remains
Covers transport to the nearest suitable medical facility in case local treatment is unavailable and, in the unfortunate event of death, the cost of returning remains home.
Dental expenses
Dental treatment for any injury or acute pain for insured person’s sound natural teeth.
Compassionate visit
Covers travel expenses for a family member to visit the insured during hospitalisation.
Loss, theft, or delay of checked-in baggage
Provides compensation for lost, stolen, or delayed luggage during your journey to or within the UK.
Delay of checked-in baggage
Offers fixed allowance in case of delay in the receipt of checked-in baggage.
Trip delay
Provides a fixed compensation for every four hours of trip delay.
Trip cancellation and interruption
Reimburses non-refundable expenses such as flight tickets and hotel bookings if your trip is cancelled or cut short due to health issues, family emergencies, or other covered events.
Trip interruption/ curtailment
Compensates non-refundable expenses if the trip is cut short, altered, or disrupted after it has started.
Hijack distress allowance
Provides compensation if the insured is held captive during a hijacking of a common carrier.
Loss of passport and travel documents:
Covers the costs and assistance for replacing lost or stolen passports, visas, and other essential travel documents.
Flight delay and missed connection compensation
Reimburses additional expenses incurred due to delayed flights, missed connections, or rebooked tickets.
Personal accident
Provides a lump sum payment in case of accidental death or permanent total disablement (PTD) during the trip.
Personal accident - common carrier
Offers a lump sum payment for accidental death or PTD while travelling in a common carrier.
Personal liability and personal accident cover
Protects against legal claims if you accidentally cause injury to someone or damage property, and provides lump-sum payouts for accidental death or permanent disability.
Automatic extension of policy
The policy can be extended automatically if your trip is prolonged due to covered emergencies or events.
Planned medical travel
Scheduled treatments abroad are not covered.
Undeclared pre-existing conditions
Issues from existing health conditions are excluded unless specifically covered.
War and civil unrest
Injuries or losses from war, rebellion, or political instability are not covered without the political risk & catastrophe evacuation add-on.
Substance influence
Incidents while under the influence of drugs or alcohol are excluded.
Adventure without supervision
High-risk activities without certified guides or safety measures are not covered.
Pregnancy & cosmetic treatments
Costs related to pregnancy, childbirth, or elective cosmetic procedures are excluded.
Eligibility criteria for UK travel insurance
To ensure you are eligible for UK travel insurance, certain age, citizenship, and travel requirements must be met.
• The applicant must be an Indian citizen with a valid passport.
• Minimum entry age is typically 6 months to 1 year, and maximum entry age varies by plan (up to 70 to 80 years for senior citizen plans).
• A valid UK visa or confirmed travel booking is required at the time of purchase.
Why choose Zurich Kotak travel insurance?
Experience seamless protection and security with us
Zurich Kotak General Insurance offers a range of online travel insurance plans to match your coverage needs. The plans are comprehensive in their scope of coverage and are available at affordable premiums. Here are some reasons why you can choose Zurich Kotak General Insurance for buying an online travel insurance.
A trusted name
Zurich Kotak General Insurance is a part of the Zurich Insurance Group (Zurich) which has more than 150 years of experience in the industry, serving people and businesses in more than 200 countries and territories.
Quick assistance
You might need assistance in buying a suitable travel plan or at the time of claims. Zurich Kotak General Insurance offers assistance for all your queries and needs. You can connect at your convenience and get the solution for your queries.
Quick claim settlements
Zurich Kotak General Insurance has consistently settled customer claims to help you in times of need.
Wide variety of travel insurance products
Get variety of travel insurance plans from Zurich Kotak General Insurance.
Easy purchases
Easily purchase a Zurich Kotak travel insurance online. Visit the website, choose your plan, fill an online application, and pay premiums for online transactions.
How to buy travel insurance for the UK online
Buying travel insurance online is quick and easy, helping you secure coverage for your trip in just a few simple steps.
Visit the Zurich Kotak Travel Insurance page and click on the “Secure your Trip” button.
Fill in your trip details, including destination country, trip duration, mobile number, number of adults (self and/or spouse), number of children (up to 3), and their ages.
Choose a suitable plan and provide the proposer's KYC details, along with information for all members to be insured.
Review all the details, make the online payment, and download your policy document instantly.
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Intimate Claim
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Instant Settlement
UK safety and precautionary measures to be undertaken
Before traveling to the UK, taking some safety and precautionary measures can help ensure a smooth and secure trip.
Register with the Indian embassy: Register your travel details with the Indian High Commission in London for assistance during emergencies.
Keep emergency numbers handy: Dial 999 for police, fire, or ambulance in the UK. The non-emergency police number is 101, and the NHS helpline is 111.
Protect your documents: Carry photocopies and digital backups of your passport, visa, insurance policy, and travel documents at all times.
Be aware of pickpocket zones: Tourist spots in London, Edinburgh, and other major cities can attract pickpockets. Keep valuables secure and use anti-theft bags.
Follow local laws: Familiarise yourself with UK traffic rules (left-hand driving), smoking regulations, and public behaviour norms to avoid fines or legal issues.
How can I make a Zurich Kotak travel insurance claim?
Filing a claim has never been this easy – we made sure of it
To initiate a cashless claim, contact us on below 24x7 helpline number for assistance and registering the claims EUROP ASSISTANCE INDIA PRIVATE LIMITED Contact number for cashless claims (Overseas) - For USA – 1833 470 4228 (toll free) - For rest of the world - +91 22 67347863 / +91 22 69635366 - In India - +91 22 67347863 / +91 22 69635366 Email Id – zurichkotakclaims@europ-assistance.in
Take a pre-authorisation in case of a planned hospitalisation by informing us 5 days prior to admission
In case of unplanned hospitalisation, intimate us about your claim within one day or as soon as is reasonably possible but in any case, before discharge from the Hospital
Visit any hospital & use our Policy Certificate to avail cashless facility
Intimate us by calling 1800 266 4545 immediately on hospitalisation.
To initiate a reimbursement claim, contact us on below 24x7 helpline number for assistance and registering the claims EUROP ASSISTANCE INDIA PRIVATE LIMITED Contact number for reimbursement claims (India) - +91 22 67347863 / +91 22 69635366 Email Id – zurichkotakclaims@europ-assistance.in Correspondence Address: EUROP ASSISTANCE INDIA PRIVATE LIMITED, Star Hub Building No. 2, 7th Floor, Near ITC Maratha Hotel, Sahar, Andheri (East), Mumbai – 400 059, Maharashtra, India
Submit all the documents as per policy to us within 30 days of discharge
Post submitting the documents, we will evaluate the details and the documents and come back on your claim
Documents required for UK travel insurance
To file a travel insurance claim, you will need to provide certain documents that verify the incident, expenses, and identity of the insured.
Medical reports and discharge summary
Medical bills/receipts
Transportation details
Photocopy of the death certificate (in case of death)
Certificate from the Treating Medical Officer mentioning the need for a companion (if no adult family member is available)
Confirmation of trip cancellation
Security-stamped boarding pass for the delayed flight
Copy of passport with visa entry and exit stamps
Copy of air ticket and boarding pass
FIR/copy of police report obtained within 24 hours of becoming aware of theft
Photo identity proof
Any other documents applicable to the claims under the policy section
Travel Insurance terms you need to know about
There's always more to know about travel Insurance
Common carrier means any civilian land, water conveyance or scheduled aircraft operated under a valid license issued by a governmental authority having jurisdiction for the transportation of fare paying passengers under valid ticket.
Trip / Journey means any journey undertaken within Policy Period and which commences when the passenger boards the Common Carrier for onward overseas journey and terminates when he disembarks on return to India or the Policy Period End Date whichever is earlier.
Checked-in baggage mean the baggage entrusted by the Insured and accepted by a Common Carrier for transportation for which a baggage receipt is issued to the Insured by the Common Carrier. This shall exclude all the items that are carried/transported under a contract of affreightment.
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Travel Insurance - frequently asked questions
Of course, you may have more questions related to travel insurance, so scroll down and find your question answered!
Yes, Indian citizens require a Standard Visitor Visa for tourism or a specific visa category for work, study, or family visits. The visa application is submitted online through the UK government portal, and biometrics are required at a visa application centre.
The official currency is the British Pound Sterling (GBP). You can exchange currency at banks, airports, or authorised money changers in India before departure. Debit and credit cards are widely accepted across the UK.
Travel insurance is not legally mandatory for a UK visa. However, it is strongly recommended due to the high cost of private medical care in the UK. Having a policy also demonstrates financial preparedness during the visa process.
Apply online at the official UK visa website, fill in the application form, pay the visa fee, and book an appointment at a visa application centre for biometrics. Processing typically takes 3 to 4 weeks.
Dial 999 for emergencies (police, fire, ambulance). For non-emergency police matters, call 101. For health advice, call the NHS helpline at 111. Save your travel insurance helpline number for quick access.
The cost varies based on your age, trip duration, sum insured, and plan type. A basic travel insurance plan for the UK from India for a two-week trip may range from approximately ₹1,000 to ₹4,000.
No, most Indian health insurance policies do not cover medical expenses abroad. You need a dedicated travel insurance for the UK from India to be covered for medical emergencies during your stay in the United Kingdom.
No, the UK's NHS provides free treatment primarily to UK residents. Overseas visitors, including Indian tourists, are charged for most NHS hospital services. Travel insurance covers these costs, so you are not burdened financially.
Compare plans based on sum insured, medical coverage, trip-disruption benefits, claims process, and customer reviews. Opt for a plan with at least GBP 30,000 to GBP 50,000 in medical coverage for adequate protection in the UK.
No, the UK is not part of the Schengen Area. Schengen travel insurance is required for European countries within the Schengen zone. For the UK, you need a separate travel insurance policy that specifically covers the United Kingdom.
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