Protect the journey
before risk finds it.
Medical, disruption, adventure, and evacuation protection matched to your traveler profile, activity level, route, and time in Kashmir.
Find Your Protection Path
Tell us how you are traveling. We’ll identify the protection level that fits your journey.
Choose Your Protection Path.
Select the intent that fits your journey style to discover the optimal protection layer.
First-Time Visitor
Travelers seeking peak safety and destination confidence
Adventure-Ready
Skiers, trekkers, and active mountain travelers
Family Travel
Families with multi-generational needs
Private Luxury Journey
VIPs and private hosted travelers
Advisory-Conscious
Travelers seeking maximum regulatory and security clarity
Short Low-Risk Stay
Weekend visitors focusing on urban Srinagar
Confidence Dashboard
All major routes and hubs active
Clear skies in Valley; Snow in alpine
EV and SUV services at 99% uptime
Entry-exit logic operating as standard
ArtStay network hospitals active 24/7
Air Evacuation and mountain rescue active
Why Protection Matters in Kashmir.
The valley's unique geography and activity density require more than just a standard policy—they require an integrated confidence layer.
Mountain Weather Volatility
Kashmir's alpine terrain can induce sudden movement shifts. Protection ensures your rebooking logic is seamless.
Remote Logistical Depth
Evacuation from high-altitude zones requires specialized air-support coordination beyond standard medical cover.
Multi-Service Continuity
Insurance here acts as a bridge between transit, retreats, and field guides, protecting the entire journey mesh.
Support Confidence
For first-timers, protection is more than a policy—it is a live connection to a verified destination support network.
The Integrity Bridge
Find Your Match
Not all journeys are the same. Select your traveler profile to see insurance plans optimized for your specific needs.
ArtStay Secure
Underwritten by Bajaj Allianz General Insurance
Basic Protection
Medical Coverage
₹40 Lakhs
Deductible
₹20,000
Evacuation
Limited
Adventure
Not Included
Coverage Highlights
- Medical Emergency Coverage
- Political Disruption Protection
- 24/7 Assistance Hotline
Hospitalization costs and Emergency surgeries covered with dedicated claim support.
Starting Prem.
ArtStay Secure Plus
Underwritten by HDFC ERGO General Insurance
Standard Protection
Medical Coverage
₹85 Lakhs
Deductible
₹8,500
Evacuation
Full Support
Adventure
Included
Coverage Highlights
- Adventure Activity Coverage
- Emergency Evacuation Included
- Medical & Trip Cancellation
Advanced Medical Care and High-Altitude Evacuation covered with dedicated claim support.
Starting Prem.
ArtStay Secure Elite
Underwritten by Care Health Insurance Ltd
Premium Protection
Medical Coverage
₹2 Crores
Deductible
₹0
Evacuation
Full Support
Adventure
Full (Including Skiing/Trekking)
Coverage Highlights
- Full Adventure Coverage
- Global Evacuation Support
- Political & Security Protection
Any Adventure Sport and Global Air Ambulance covered with dedicated claim support.
Starting Prem.
Connected Confidence & Blueprints.
Protection is more than a policy—it is an integration of insurance with destination intelligence. These blueprints are architected for high-fidelity situational confidence in Kashmir.
How blueprints work
The Family Confidence Shield
Safety & Certainty
Combines Standard Protection with private SUV transit and resort-hub stays to ensure multi-generational comfort.
The High-Alpine Safety Grid
Action & Evacuation
Premium sports coverage linked with Gulmarg heli-rescue and professional equipment rental protection.
The Luxury Hosted Shield
Privacy & Protection
High-limit coverage for exclusive retreat stays and private craft cluster visits with VIP concierge support.
The ArtStay Safety Logic
We believe in radical transparency. Underwriter-verified policy wording with no hidden logical traps for your Kashmir adventure.
What is Covered
What is Not
Claims & Recovery Journey.
Instant Reporting
Call our 24/7 Kashmir hotline or tap 'Emergency' in the ArtStay app.
Verification
Our team verifies your policy details with the hospital/provider within 15 minutes.
Cashless/Direct
For network hospitals, we handle the bills directly. For others, we guide you on documentation.
Settlement
Verified reimbursement claims are settled within 48 hours of document submission.
+91 1800-ARTSTAY
Kashmir-wide rapid response layer Underwriter verified protocols
Detailed Comparison.
Decide with full visibility into the exact medical, disruption, and rescue boundaries of every policy tier.
| Feature Matrix | Basic | Standard | Premium |
|---|---|---|---|
| Emergency Medical | Up to ₹40L | Up to ₹85L | Up to ₹2Cr |
| High-Altitude Rescue | Included (Kashmir) | Included (Global) | |
| Adventure Sports | Base Activities | All Extreme Sports | |
| Trip Disruption | Up to ₹45,000 | Up to ₹1,25,000 | Full Rebooking |
| Baggage Loss | ₹20,000 | ₹65,000 | ₹1,25,000 |
| ArtStay Escrow Support |