Safe & Secure Himalayan TreksSafe & Secure Himalayan Treks
Trekking in the Himalayas is exciting, rewarding, and unforgettable. However, mountain travel can also involve uncertainties such as sudden weather changes, altitude-related sickness, injuries, evacuation requirements, or travel delays.
To help travellers stay financially protected during unforeseen situations, optional Travel Safety Insurance plans are available through TATA AIG General Insurance.
These plans are designed to provide basic travel and emergency protection during domestic travel and trekking journeys within India.
Important: This insurance policy is issued and managed entirely by TATA AIG General Insurance Company Limited. Touch Himalayas is not the insurer and does not process, approve, or reject insurance claims.
Understanding Adventure Insurance
What is Adventure Insurance?
Adventure insurance is a special insurance that is designed for high-risk and high-altitude adventure activities, such as trekking, climbing, and expeditions up to 6000 meters. You need to pay exactly for the travel duration from base to base. This insurance will even cover your driving day to/from pickup/drop locations.
How Adventure Insurance is different from Regular Travel Insurance
The regular standard Travel insurance basically covers Trip delay, lost baggage, and it often excludes accidents or emergencies that occur during adventurous activities. Adventure Insurance extends coverage to include medical emergencies, evacuation, and accidents that may arise during trekking expeditions in remote or high-altitude regions.
Why Adventure Insurance is Essential?
It has to be well understood that all trekkers, whether you are a beginner, an experienced, or you are travelling with a top-rated, highly safe organisation, even if you are fully prepared and you have the best preparation, but never forget that mountains can be unpredictable, no risk will come with reminders, every step taken in the mountains can be risky. Risk can be anything, weather, Health, Altitude Sickness, Injury, wild animal attack, fall, etc. Therefore, having Adventure insurance ensures that trekkers are financially and logistically protected in case of any medical emergencies, allowing help and assistance to reach them quickly and with minimal stress. Having Adventure insurance means trekking with confidence, Trekking worry-free, and enjoying every step in the mountains. Every step should be memory and not worried about.
Touch Himalayas Adventure Insurance Plan
| Coverage Benefits | Basic Safety Cover | Enhanced Safety Cover | Premium Safety Cover |
| Approx Per Day Cost | Starting from ₹22/day* | ₹69/day* | ₹115/day* |
| Accident & Sickness Medical Expense | ₹20,000 | ₹60,000 | ₹1,00,000 |
| Accidental Death & Dismemberment | ₹50,000 | ₹1,50,000 | ₹2,50,000 |
| Emergency Medical Evacuation | ₹10,000 | ₹30,000 | ₹50,000 |
| Repatriation of Remains | ₹10,000 | ₹30,000 | ₹50,000 |
| Hospital Indemnity Benefit | ₹500/day | ₹1,500/day | ₹2,500/day |
| Missed Departure (Rail/Air) | ₹10,000 | ₹30,000 | ₹50,000 |
| Accommodation Charges Due to Trip Delay | ₹1,500/day | ₹4,500/day | ₹7,500/day |
| Loss of Ticket (Rail/Air) | ₹20,000 | ₹60,000 | ₹1,00,000 |
| Personal Liability | ₹1,00,000 | ₹3,00,000 | ₹5,00,000 |
| Family Transportation | ₹10,000 | ₹30,000 | ₹50,000 |
| Assistance Services | Included | Included | Included |
*Per-day pricing is approximate and depends on trip duration and insurer pricing.
Which Plan Should You Choose?
Basic Safety Cover – Starting from ₹22/Day
Suitable for:
-Easy to Moderate treks
-Weekend treks
-Beginner trekkers
-Budget travellers
Enhanced Safety Cover – ₹69/Day
Suitable for:
-Moderate treks
-Remote Himalayan treks
-Longer-duration journeys
-Experienced trekkers
Premium Safety Cover – ₹115/Day
Suitable for:
-High-altitude treks
-Premium trekking experiences
-Senior travellers
-Maximum available protection
What does Adventure Insurance cover?
Depending on the selected plan, the policy may provide financial support for:
- Accidental medical emergencies
- Hospitalization expenses
- Emergency medical evacuation
- Accidental death coverage
- Travel inconvenience support
- Trip delays and missed departures
- Ticket loss assistance
- Personal liability coverage
Coverage is always subject to insurer approval and policy terms.
Who should opt for Adventure Insurance?
Today, some of the treks have made it mandatory for Adventure Insurance and some of the treks are still being conducted without an Adventure Insurance, hence, Touch Himalayas, keeping in mind the safety of all our trekkers, we have made it mandatory for all levels of treks, either Easy, Moderate, or challenging and this is beneficial for trekkers themselves as Touch Himalayas does not earn any extra from the insurance amount, hence its purely benefiting trekkers.
- Beginners: For first-time trekkers and those unfamiliar with mountain conditions.
- Solo Trekkers: This adds an extra layer of protection while traveling alone.
- High Altitude Trekkers: Mandatory for all treks, and this insurance is required for treks of less than 6000 Meters and not above.
How to Buy Insurance?
Step 1 – Select Your Trek
Choose your preferred trek and complete your booking process.
Step 2 – Choose Insurance Plan
Select the preferred Travel Safety Insurance plan during booking.
Step 3 – Submit Required Details
The insurer may require:
- Full Name
- Mobile Number
- Email Address
- Address & PIN Code
- PAN Card
- Nominee Details
- Government ID Proof
Step 4 – Complete Payment
Complete the insurance premium payment.
Step 5 – Receive Policy
After verification, the insurance company issues the policy document directly to the traveller.
How to Claim, Procedure, and Conditions
Step 1 – Inform Immediately
Inform the insurance company immediately after the incident or emergency.
Step 2 – Seek Medical Assistance
Visit the nearest hospital or medical center for treatment.
Step 3 – Collect Documents
Keep copies of:
- Medical reports
- Hospital bills
- Prescriptions
- Discharge summary
- Pharmacy invoices
- Travel proof
- Policy copy
- Supporting photos/videos if available
Step 4 – Submit Claim
Submit all required documents directly to TATA AIG through their official claims process.
Step 5 – Claim Verification & Settlement
The insurer verifies all submitted documents and processes the claim according to policy terms and conditions.
Approved claim amounts are transferred directly by the insurer to the insured traveller’s bank account.
What is Excluded in the Adventure Insurance
- Coverage is subject to insurer approval.
- Pre-existing diseases may not be covered.
- Alcohol or intoxication-related incidents are excluded.
- Certain adventure activities may not be covered.
- Deductibles may apply as per policy wording.
- Incorrect or incomplete information may result in claim rejection.
Important Exclusions
The policy may not cover:
- Pre-existing illnesses
- Technical mountaineering
- Rope-assisted climbing
- Hazardous adventure activities
- Professional sports
- Alcohol/drug-related incidents
- Self-inflicted injuries
- Illegal activities
- Pregnancy-related complications
Important Disclaimer
Travel Safety Insurance is an optional third-party insurance product issued and managed solely by TATA AIG General Insurance Company Limited.
Touch Himalayas is not an insurance provider, does not underwrite policies, does not process claims, and is not responsible for:
- claim approvals or rejections
- reimbursement timelines
- insurer decisions
- coverage limitations
- policy disputes
- documentation deficiencies
- settlement outcomes
All insurance-related decisions are governed entirely by the insurer’s final policy wording, terms, conditions, exclusions, and approval process.