Group vs Individual Travel Insurance: Understand the Difference Between These Plans

Alevin Chan

Alevin Chan

Last updated 08 March, 2024

Individual travel plans cost more than group plans but offer more customisability. Here are various factors to consider when deciding between individual or group travel insurance.

 


Table of Contents


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Travel insurance policies are offered in two configurations — one for individuals, and one for groups or families. 

As you’d expect, individual travel insurance only covers one person, whereas group plans offer coverage to several persons at once. 

And in case you’re wondering, family travel insurance plans are simply another name for group travel insurance. Some of the best insurers don’t even require the insured persons to be related, but there are others who offer more family-oriented benefits and market them as family plans.

At their core, both individual plans and group plans work the same way, offering the same scope of coverage and benefits. However, there are some crucial differences in the way both work, which can make choosing one over another not as straightforward as initially expected.

Let’s dive in for a closer look at all the good and bad of group travel insurance vs personal travel insurance.

 

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Affordability  - Up to S$1,000,000 for overseas medical expenses

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The Best Individual Travel Insurance Plan

Singlife - Travel Lite

Singlife

Singlife Travel Lite is perfect for those seeking extensive medical coverage and protection for frequent flyer points.

  • Total Medical Coverage: Up to S$2,000,000 for overseas medical expenses for children and adults up to 70 years old; S$200,000 for adults above 70 years old.
  • Trip Cancellation: Up to S$15,000 for trip cancellation.
  • Loss/Damage of Baggage: Up to S$5,000 for personal belongings.
  • COVID-19 Coverage: Up to S$5,000 for trip cancellation/postponement due to COVID-19.

 

FWD - Premium (COVID-19 rider available)

FWD

FWD Premium plan offers excellent benefits at a reasonable cost, making it ideal for budget-conscious travellers.

  • Total Medical Coverage: Up to S$500,000 in overseas medical expenses.
  • Trip Cancellation: Up to S$10,000 for trip cancellation.
  • Loss/Damage of Baggage: Up to S$7,500 for personal belongings.
  • COVID-19 Coverage: Optional rider available.

 

MSIG - Elite Plan

MSIG-1

MSIG Elite Plan offers comprehensive coverage for individual travellers, making it a great choice for those who want all-round protection.

  • Total Medical Coverage: Up to S$500,000 in overseas medical expenses.
  • Trip Cancellation: Up to S$10,000 for trip cancellation.
  • Loss/Damage of Baggage: Up to S$5,000 for personal belongings.
  • COVID-19 Coverage: Included in the overall coverage.

 


The Best Group Travel Insurance Plan

MSIG - TravelEasy Pre-Ex

MSIG-1

MSIG TravelEasy Pre-Ex offers comprehensive coverage suitable for groups with varying needs, especially those with pre-existing conditions.

  • Total Medical Coverage: Up to S$250,000 in overseas medical expenses.
  • Trip Cancellation: Up to S$5,000 for trip cancellation.
  • Loss/Damage of Baggage: Up to S$3,000 for personal belongings.
  • COVID-19 Coverage: S$15,000

 

TIQ Travel Entry

Tiq-May-13-2024-05-53-03-0793-AM

TIQ Travel Entry is ideal for family plans, offering comprehensive coverage with a focus on hospital allowances and family-friendly benefits.

  • Total Medical Coverage: Up to S$200,000 in overseas medical expenses.
  • Trip Cancellation: Up to S$5,000 for trip cancellation.
  • Loss/Damage of Baggage: Up to S$2,000 for personal belongings.
  • COVID-19 Coverage: S$15,000

 

Allianz Travel Comprehensive

Allianz travel

Allianz Travel Comprehensive provides high medical coverage, making it an excellent choice for groups seeking extensive protection.

  • Total Medical Coverage: Up to S$200,000 in overseas medical expenses.
  • Trip Cancellation: Up to S$5,000 for trip cancellation.
  • Loss/Damage of Baggage: Up to S$3,000 for personal belongings.
  • COVID-19 Coverage: S$15,000

 


Comparing Individual Travel Insurance Coverage

Travel Insurance Provider
Overseas Medical Expenses
Post Trip Medical Expenses
Loss/Damage of Personal Baggage
Trip Cancellation due to COVID-19
Total Premium
MSIG TravelEasy
Up to S$200,000
Not specified
Not specified
Up to S$3,000
From S$42.00
Tiq Travel Insurance
Up to S$300,000
Not specified
Not specified
Up to S$5,000
From S$14.00
Starr TraveLead
Up to S$100,000
Not specified
Not specified
Up to S$1,000
From S$15.00
AIG Travel Guard
Up to S$250,000
Not specified
Not specified
Up to S$7,500
From S$30.00
FWD Travel Insurance
Up to S$200,000
Not specified
Not specified
Up to S$5,000
From S$16.97
Singlife Travel Insurance
Up to S$200,000
Not specified
Not specified
Up to S$2,000
From S$30.07
Allianz Travel Insurance
Up to S$1,000,000
Not specified
Not specified
Up to S$15,000
From S$64.00
Sompo Travel Insurance
Up to S$200,000
Not specified
Not specified
Up to S$4,000
From S$40.00
Allied World Protector
Up to S$250,000
Not specified
Not specified
Up to S$5,000
From S$45.00

Premium plans are based on a basic tiered single travel insurance for a five-day trip to Brunei (ASEAN Region). The coverage also differs according to different tiered plans.

We’ve listed the 9 travel insurers above for easy comparison. The average cost of a travel insurance plan with COVID-19 coverage for a five-day trip to Brunei is around S$35, assuming we take the most basic plan from each provider.

Estimated average cost of a travel insurance plan:

S$42.00 + S$14.00 + S$15.00 + S$30.00 + S$16.97 + S$30.07 + S$64.00 + S$40.00 + S$45.00 = S$297.04

S$297.04 ÷ 9 = S$33.00

For travellers who prefer comprehensive coverage for medical expenses, Allianz Travel Insurance offers the highest coverage limit of up to S$1,000,000. 

For more affordable premiums, plans by Tiq, Starr, and FWD are better options. Despite their lower premiums, these plans still offer extensive overseas medical expenses coverage, with Tiq providing up to S$300,000, Starr up to S$100,000, and FWD up to S$200,000.


Comparing Group Travel Insurance Coverage

Travel Insurance Provider
Overseas Medical Expenses
Post Trip Medical Expenses
Loss/Damage of Personal Baggage
Trip Cancellation due to COVID-19
Total Premium
MSIG TravelEasy
Up to S$200,000
Not specified
Not specified
Up to S$3,000
From S$42.00
Tiq Travel Insurance
Up to S$300,000
Not specified
Not specified
Up to S$5,000
From S$14.00
Starr TraveLead
Up to S$100,000
Not specified
Not specified
Up to S$1,000
From S$15.00
AIG Travel Guard
Up to S$250,000
Not specified
Not specified
Up to S$7,500
From S$30.00
FWD Travel Insurance
Up to S$200,000
Not specified
Not specified
Up to S$5,000
From S$16.97
Singlife Travel Insurance
Up to S$200,000
Not specified
Not specified
Up to S$2,000
From S$30.07
Allianz Travel Insurance
Up to S$1,000,000
Not specified
Not specified
Up to S$15,000
From S$64.00
Sompo Travel Insurance
Up to S$200,000
Not specified
Not specified
Up to S$4,000
From S$40.00
Allied World Protector
Up to S$250,000
Not specified
Not specified
Up to S$5,000
From S$45.00

Premium plans are based on a basic tiered single travel insurance for a five-day trip to Brunei (ASEAN Region). The coverage also differs according to different tiered plans.

We’ve listed the 9 travel insurers above for easy comparison. The average cost of a travel insurance plan with COVID-19 coverage for a five-day trip to Brunei is around S$35, assuming we take the most basic plan from each provider.

Estimated average cost of a travel insurance plan:

S$42.00 + S$14.00 + S$15.00 + S$30.00 + S$16.97 + S$30.07 + S$64.00 + S$40.00 + S$45.00 = S$297.04

S$297.04 ÷ 9 = S$33.00

For travellers who prefer comprehensive coverage for medical expenses, Allianz Travel Insurance offers the highest coverage limit of up to S$1,000,000. 

For more affordable premiums, plans by Tiq, Starr, and FWD are better options. Despite their lower premiums, these plans still offer extensive overseas medical expenses coverage, with Tiq providing up to S$300,000, Starr up to S$100,000, and FWD up to S$200,000.


What is Individual Travel Insurance?

Individual travel insurance is a personalised insurance policy designed to cover one person's specific needs during their travels. 

This type of insurance is tailored to the unique itinerary, health conditions, and preferences of the traveller, offering a comprehensive range of coverage. From medical emergencies and trip cancellations to lost luggage and personal liability, individual travel insurance ensures that solo travellers are well-protected against a wide array of travel-related risks and uncertainties.

Key Benefits of Individual Travel Insurance Plans

The primary advantage of individual travel insurance plans lies in their customisability. This means that travellers can adjust coverage limits and select travel insurance add-ons that precisely match their travel plans, whether it involves high-risk activities or destinations with specific health risks. 

Another significant benefit is the dedicated policy limit for each traveller, ensuring that the full range of benefits is available without sharing with others, thus offering maximum protection. 

Moreover, individual policies often come with the flexibility to cater to pre-existing medical conditions, providing a safety net for those with health concerns. 

The ability to tailor every aspect of the insurance, from duration to specific coverage options, makes the personally managed individual travel insurance an attractive choice.

Who Is More Suited for Individual Insurance?

Individual travel insurance is ideally suited for solo travellers, business professionals on work trips, and anyone with specific travel needs or health conditions requiring tailored coverage. It's also a perfect fit for adventurers engaging in high-risk activities not typically covered by standard group policies. 

Individuals looking for a detailed and flexible insurance plan that can be customised to include coverage for unique risks or extended durations, or those seeking travel insurance for pre-existing conditions, will also find individual travel insurance to be the most beneficial. 



What is Group Travel Insurance?

Group travel insurance offers a consolidated policy that encompasses protection for several individuals travelling together, making it an ideal choice for various groups, whether they are friends, family members, or colleagues. 

For those who wonder how does group travel insurance works, it extends its protective umbrella to cover multiple travellers under one policy, unlike individual policies tailored for singular coverage. This type of insurance simplifies the process for groups of 10 or more, ensuring that everyone has uniform coverage for common risks experienced on trips, such as lost luggage, medical emergencies, trip cancellations, and more, without the necessity of being related.

Key Benefits of Group Travel Insurance Plans

The beauty of group travel insurance lies in its capacity to cater to the collective needs of the group, allowing for individual claims or collective claims if an incident affects the entire group, thus offering a comprehensive safety net for all types of group travels.

This comprehensive coverage typically includes protection against trip interruptions or cancellations, lost, stolen, or delayed baggage, medical emergencies, including necessary evacuations, and more. 

One of the standout features of group travel insurance is its simplicity and cost-effectiveness for covering multiple travellers, providing a straightforward solution for group travel protection. Additionally, the uniform coverage ensures that all group members are equally protected, making it easier to manage and claim should any member of the group encounter unforeseen issues during their travels.

Who is More Suited for Group Travel Insurance?

Group travel insurance is particularly beneficial for organised groups such as corporate teams on business trips, student groups on educational excursions, large families embarking on vacations, or tour groups exploring new destinations. If you're planning an upcoming group travel, you may find these group travel tips helpful.

This type of insurance does its best when all members share a common itinerary and destination, streamlining the insurance process by consolidating it into a single policy purchase. This not only potentially reduces the overall cost but also simplifies the management of the policy. While some group holiday insurance insurers may allow people over 18 years old to take individual trips, most group holiday insurance policies won’t cover you if members of your group travel individually, for example, by taking different flights. 

Moreover, group travel insurance removes the hassle of individual policy management, making it an efficient choice for groups seeking a unified insurance solution for their journey.


Difference Between Individuals and Group Travel Insurance

Points of Comparison
Individual Policy
Group Policy
Cost Person
Higher cost per person
Lower cost per person 
Policy Limit
Full policy limit available to each individual
All insured persons share one policy limit 
Customisability
Offers more customisability, eg pre-existing conditions, adventure cover, etc
Less flexibility, may not fit all group members 
Convenience and Coverage
Direct control over policy choices, ensuring tailored protection
Simplified administration with uniform protection for all.
Overall Benefits
Maximised coverage tailored to individual needs and activities.
Cost-effective solution for collective travel needs.

Cost Per Person

Perhaps the strongest factor in group travel insurance’s favour is the potential for lower cost per person. This is due to insurers applying a bulk discount for group policies or, alternatively, allowing you to include family members at no extra charge. 

In this way, group insurance brings down the cost of insuring each person, often ending up cheaper than travel insurance plans for individuals. 

In comparison, individual travel insurance policies usually cost more per person than a group plan — even if the benefits and coverage are similar across both plans.

an a group plan – even if the benefits and coverage are similar across both plans. 

Policy Limit

The undeniable advantage of getting a single travel insurance policy is the entire policy limit is available to each individual. That’s to say, if your plan offers S$300,000 in overseas hospital benefits, the entire sum is reserved to meet your needs. 

In a group policy, while each person may be entitled to a stipulated benefit, there is also an overall policy limit imposed. This can drastically reduce the benefit received by each person. This applies to mostly all coverages, including trip cancellation, emergency repatriation or medical evacuation, baggage delay and overseas medical expenses.

Here’s an example, purely for illustration:

The screenshot above shows Direct Asia’s Family Travel Plan’s benefits offered for overseas medical coverage and medical expenses upon returning to Singapore.

Notice that while the lowest tier of the plan offers up to S$150,000 coverage per adult or child, this is stymied by a limit of S$375,000 for the entire family.

This is equivalent to 2.5x of the limit accorded to each person, which means that if three or more persons in your travel group require medical attention, the maximum coverage available to each person shrinks to only a portion of the individual limit.

It’s important to stress that this doesn’t necessarily pose a problem, as not every traveller may require the same scope or type of treatment, even if multiple persons meet with injury.

Still, it is worth noting that because of policy-wide limits, there is a higher potential for a gap in coverage when faced with extreme situations, and this risk increases when more persons are included in the group.

This can be somewhat ameliorated by choosing a higher-tier plan. For instance, going up one level in Direct Asia’s plan will bump up the family limit to S$500,000, allowing more breathing room.

Another tip is to limit the number of persons included in each policy, splitting up the entire group over two or more policies as necessary. In the same vein, some insurers impose a maximum limit per group policy.


Customisability

Individual travel insurance plans offer greater flexibility and customisability compared to group plans.

Travel groups may comprise travellers with different needs, whether due to:

  • Age – older travellers may require higher coverage compared to younger adults and children 
  • Health statuses – some travellers may require coverage for pre-existing conditions
  • Schedules – some friends may want to extend their trip 
  • Preferences – not all may want to go bungee jumping 

As such, a single group travel plan may not be the best way to satisfy all travellers, and trying to fit everyone into a group policy may inadvertently create problems.

Choosing a plan based on common needs only will mean some group members could only be partially covered. Going the other direction and attempting to cover every activity and need may require the group to pay for coverage and benefits that are not necessary across the board, which means wasting money. 

These issues can be neatly avoided by simply going for individual travel insurance policies that are tailored to each traveller’s needs and preferences. This way, every person pays only for the coverage they want.

Convenience and Coverage

When it comes to convenience and coverage, individual travel insurance plans generally offer a more streamlined and personalised experience compared to group plans. 

This is because the ability to tailor a policy to one's specific needs, including coverage for pre-existing conditions or inclusion of adventure sports, provides a level of customisation that is particularly advantageous for travellers with unique or specific requirements. Moreover, managing an individual policy allows for direct control and adjustments, ensuring that coverage can be modified as travel plans evolve or new needs arise.

Group travel insurance, on the other hand, simplifies the process for multiple travellers by bundling them under a single policy, which can be particularly convenient for organising larger travel parties. However, this convenience may come at the cost of individual fit, as the coverage is standardised across all members. This could potentially leave some travellers underinsured for their specific needs or pay for coverage they do not require.

Read this next: What Type of Travel Insurance Should You Buy?

Overall Benefits

Evaluating the overall benefits of individual versus group travel insurance reveals distinct advantages in both options, with the best choice largely dependent on the travellers' specific needs and circumstances. 

As mentioned, individual travel insurance shines with its ability to provide comprehensive and customisable coverage. Travellers have the freedom to select benefits that align with their travel activities, health conditions, and risk preferences, ensuring a high degree of protection that is closely tailored to their itinerary.

Conversely, group travel insurance offers significant cost savings, particularly for families or larger parties, making it a relatively cheaper option. The ease of managing a single policy for multiple individuals also cannot be understated, especially when coordinating travel plans for groups where simplicity and cost-effectiveness are paramount.

However, it's pivotal that you consider the potential limitations of group plans, such as shared policy limits that may not adequately cover all members in case of extensive claims. This underscores the importance of assessing the specific coverage needs of each traveller within the group.

Read more: 10 Tips to Buying the Right Travel Insurance in Singapore


Family Group Travel Insurance Vs. Group Travel Insurance

Points of Comparison
Family Travel Insurance
Group Travel Insurance 
Persons Covered
Covers only immediate family members (i.e., legal spouse and children)
Covers all named individuals
Claim Limits
Separate limits for children and adults
All insured individuals enjoy same level of benefits
Premiums Charged
May offer free child cover
Charged on per-individual basis, but group discount may be offered

Also read: Group Travel Insurance vs Family Travel Insurance - Which One is Right For You?

#1 Persons Covered

The most important difference between family travel insurance and group travel insurance is the persons covered. 

As per its name, a family travel insurance plan only covers, well, family members. In most cases, only immediate family – legal spouse, and own children – are included. Some insurers, however, may only require the children to be insured to be related to one adult only. 

This also means that extended family members are excluded from family travel insurance plans. So, if you’re travelling with your grandparents, uncles and aunties, cousins, etc, they will require their own travel insurance policy. 

What about domestic helpers? Well, some insurers may offer free coverage for domestic helpers accompanying the family during the trip. If your chosen insurer does not offer this, a separate plan will need to be acquired for your helper. 

In contrast, a group insurance policy doesn't require any of the insured individuals to be related in any way whatsoever. They only need to be named, and fulfil the eligibility criteria – commonly, age and nationality.


#2 Claim Limits

It is common for family travel insurance plans to have different claims limits for adults and children, with the latter covered only for a portion of the sums assured provided to insured adults. 

Not only that, family travel insurance usually institutes an overall cap per family, which adds up to a lower sum than the individual benefits combined. 

For instance, a policy may offer personal accident coverage of S$10,000 per adult, and S$5,000 per child, with an overall cap of S$25,000 per family. This means that the policy essentially only offers full cover to two adults and one child, putting larger families at a disadvantage. 

Of course, travel insurance benefits aren’t meant to be split up like a chicken dinner. However, per-family limits can make it such that the benefits you do receive are insufficient for your needs. 

In contrast, group insurance plans do not have this limitation. All insured persons will have their own individual benefits and limits. 

This may be a more attractive option for some, so you should forego family plans and just sign everyone up for a group plan instead, right? 

After all, some group plans require a minimum age of 16, while family plans cover children up to age 18 or 23, for full-time students. This means you should be able to enrol your 17-year-old under a group policy – and thus gain full cover – correct?

Well, maybe. It is up to your insurer to decide if they will insure you and your immediate family under a group travel plan, instead of a family plan. 

Also, if your children do not meet the minimum qualifying age for a group plan, then you’ll have no choice but to go with a family plan instead. 

#3 Premiums Charged

A prominent selling point of a family plan is that children are included for a lower cost, or sometimes completely for free. The idea is to let parents feel like they are getting good value for money. 

Group travel plans, in comparison, are charged on a per-individual basis, with the premium carefully calculated to cover the cost of insurance across all individuals in the policy. Another common practice is to offer a discount on single-traveller plans if multiple travellers sign up together. 

While both of these marketing tactics may seem different, they don’t actually matter very much in the grand scheme of things. 

What’s more important is getting sufficient coverage for every traveller, and benefits that are actually useful and necessary, at a reasonable premium.

A prominent selling point of a family plan is that children are included for a lower cost, or sometimes completely for free. The idea is to let parents feel like they are getting good value for money.

Group travel plans, in comparison, are charged on a per-individual basis, with the premium carefully calculated to cover the cost of insurance across all individuals in the policy. Another common practice is to offer a discount on single-traveller plans if multiple travellers sign up together.

While both of these marketing tactics may seem different, they don’t actually matter very much in the grand scheme of things.

What’s more important is getting sufficient coverage for every traveller, and benefits that are actually useful and necessary, at a reasonable premium.


Is Group Insurance Better than Individual Insurance?

The answer to the question of whether group travel insurance is cheaper than individual policies is not one-size-fits-all; it largely hinges on the specific dynamics and requirements of the travelling party. 

Typically, group travel insurance offers the allure of cost savings, especially for homogeneous groups with similar coverage needs. The bulk purchase inherently lowers the cost per person, making it an attractive proposition for families, corporate teams, and friends travelling together with uniform itineraries and destinations.

However, this apparent cost advantage requires careful consideration. 

Individual travel insurance policies, though potentially more expensive on a per-person basis, offer the benefit of customisation. This bespoke approach ensures that each traveller's specific risks are addressed, potentially offering better value despite the higher cost.

As such, the decision between group and individual travel insurance should not solely rest on cost. Ultimately, when weighing the different options, the emphasis should be on securing adequate coverage that meets the travellers' needs rather than fixating on the cost. In many cases, the premium differences between group and individual policies may be marginal when weighed against the value of appropriate and sufficient coverage. Prioritising coverage ensures peace of mind, safeguarding your travel experience against unforeseen events, which, after all, is the primary purpose of travel insurance.


Ways to Save on Your Group Travel Insurance

Compare Quotes

This goes without saying — the best way to find the best price is to compare quotes from different insurers. Don't just purchase the first group travel insurance you land on thinking it's affordable. 

Look beyond the price tag and assess the benefits, deductibles, and exclusions. This ensures that you're not just choosing the most cost-effective option, but also the one that provides adequate protection for your travel needs. Consider factors like medical coverage limits, coverage for adventure activities if you plan to engage in them, and whether the policy covers destinations you're visiting. 

And who knows? You might just be able to find lower premiums for better coverage if you shop around a little more.

Thankfully, you won't have to manually compare quotes yourself. SingSaver has this nifty tool that allows you to seamlessly compare premiums across insurers on the same page!

Do make use of promo codes too! Insurers are almost always offering attractive discounts to maximise savings on your travel insurance premiums!


Consider Annual Plans

If you have multiple trips lined up for a year, maybe choosing an annual plan might help to shave off some costs, though not all the time.

A general gauge on when an annual travel insurance would make sense is if you are travelling more than about 6 or 7 times within a year. Anything lower than that? Multiple single-trip travel insurance policies might be cheaper.

Furthermore, annual plans often come with added conveniences that single-trip policies might lack. For instance, they may offer worldwide coverage, meaning you won't have to worry about specifying destinations for each trip. This can prove beneficial for last-minute trips or unexpected travel opportunities like joining your group of friends or family that arise throughout the year. Also, some annual plans include extra perks, such as coverage for an unlimited number of trips, as long as each trip doesn't exceed a certain number of days. 

Do your research first before committing to a plan! If an annual travel insurance is cheaper then that's great! It also saves you the hassle of purchasing one before each of your trips.


See more:
Best Annual Travel Insurance Plans In Singapore (2023)
Single Trip vs Annual: Which Travel Insurance Should You Get?


Frequently Asked Questions About Group Travel Insurance

Should I get group or family travel insurance if I’m travelling with my child?

If you’re travelling with your child, you should consider family travel insurance. It specifically covers immediate family members, including your legal spouse and children, and often provides free coverage for children, making it cost-effective. This type of policy ensures that your family is well-protected during your travels. However, if your travel party includes individuals outside your immediate family, such as friends or extended family, group travel insurance might be more appropriate.

Group travel insurance covers all named individuals on the policy, ensuring that everyone receives the same level of benefits. Premiums for group policies are typically charged per individual, but discounts are often available for larger groups. This makes group travel insurance a practical option for friends or larger travel parties who are travelling together on the same itinerary or to the same destination.

What are the criteria for group travel insurance?

When considering group travel insurance, several key criteria must be met. Firstly, group policies usually require a minimum number of travellers, often around 10. All individuals must be named and listed on the policy, ensuring that everyone is covered. Group travel insurance plans provide uniform benefits, meaning all insured individuals enjoy the same level of coverage. Premiums are generally charged on a per-individual basis, but discounts may be offered for larger groups. Additionally, the group must travel together on the same itinerary or to the same destination for the coverage to be applicable.

Can I still make claims as an individual if I am on group travel insurance?

Yes, you can file individual claims even when covered by group travel insurance. Although the policy covers multiple people, each insured member can independently submit claims for medical emergencies, lost baggage, or trip cancellations. The group policy ensures that all members receive the same benefits, providing individual access to necessary coverage and support. It is essential to keep all relevant documentation, such as receipts and medical reports, to facilitate the claims process.

 

Read these next:
Best Covid-19 Travel Insurance Plans (2024)
Best Travel Insurance for Travellers with Pre-Existing Conditions
Best Types Of Travel Insurance Plans For Each Trip
Here Are the Best Family Travel Insurance Plans in 2023
Best COVID-19 Travel Insurance Plans
Cheapest Travel Insurance Providers
Travel Insurance: Your Refund Rights for Flight Delays and Cancellations

 

An ex-Financial Planner with a curiosity about what makes people tick, Alevin’s mission is to help readers understand the psychology of money. He’s also on an ongoing quest to optimise happiness and enjoyment in his life.

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