Last night while hustling through Indira Gandhi International, I put my iPhone 14 and Ray-Bans in the tray at security, took my eyes off for two minutes to tie my shoelaces, and—poof—they vanished/
So Just wanted to know does travel insurance actually cover personal electronics that disappear in the terminal?
Yes, Indian travel insurance will usually cover lost items, but only if you play the paperwork game like a pro. Most comprehensive plans—think HDFC Ergo, TATA AIG, Bajaj Allianz—have a “Baggage & Personal Effects” section that pays for belongings lost anywhere during the trip, including airport security
To win the claim, sprint to the CISF/airport police and file a stamped FIR or CSR immediately—time-stamped proof is non-negotiable. Next, gather original purchase invoices, replacement price quotes from Croma/Amazon, and upload everything via the insurer’s app within 24–48 hours (policies have a 72-hour intimation rule