Travel Insurance

If you fall ill during your trip and require medical treatment, resulting in hospitalisation in order to save your life or to give you immediate relief from an acute pain, we will cover for the reasonable and customary charges you incur up to the sum insured as shown on your policy schedule for - treatment, associated expenses, medical evacuation, out patient cover (OPD), repatriation.

If you are accidentally injured during your trip and require medical treatment, resulting in hospitalisation in order to save life or to give you immediate relief from an acute pain, we will cover for the reasonable and customary charges you incur up to the sum insured as shown on your policy schedule for - treatment, associated expenses, medical evacuation, out patient cover (OPD), repatriation.

We will pay you, up to the limits shown on your policy schedule, if you suffer an accidental bodily injury during your trip which requires urgent and immediate medical attention that leads solely, directly and independently to your death, permanent total disability, or permanent partial disability.

We will pay you, up to the limits shown on your policy schedule, if you suffer an accidental bodily injury during your trip while riding as a fare paying passenger in or on a common carrier or boarding or alighting from a common carrier which requires urgent and immediate medical attention that leads solely, directly and independently to your death, permanent total disability, permanent partial disability.

If you encounter acute pain or meet with an accidental injury to your natural teeth on the trip, resulting in dental treatment provided by a medical practitioner qualified in practicing dentistry and/or dental surgery amounts mentioned in the policy schedule, we will cover for the reasonable and customary charges you incur up to the limits shown on your policy schedule.

If you are hospitalised in a hospital as an in-patient for more than 24 hours due to an accidental injury or for emergency medical treatment, we will pay you the daily benefit up to a maximum number of days as stated in the policy schedule. This cover will be extended for a maximum of 5 days.

Sub limits are applicable for 'Medical Treatment And Evacuation Exigencies' and 'Accidental Treatment And Evacuation Exigencies' coverages as mentioned in the policy schedule. This means that if your claim amount for these coverages exceeds the sub-limit mentioned in the policy schedule, you will be expected to pay the balance amount from your own pocket. This is only applicable for members above 55 years of age.

Sub-Limits*

• Hospital room rent (per day)
• ICU (per day)
• Surgery
• Anesthesia
• Physician Visit Fees (per visit)
• Diagnostic and Radiology
• Ambulance Service
• Miscellaneous Expenses

*These will be applicable for members above 55 years.

We will cover medical expenses incurred in respect of the insured person for hospitalisation for the delivery and vaccination of the newborn baby.

If your checked-in baggage is lost permanently at the final destination of your journey or en-route involving multiple destinations within the airport premises while in custody of a common carrier, then we will pay the pro-rata sum insured as mentioned in the policy schedule against this cover.

If your checked-in baggage is temporarily lost during the trip and you are without it for more than the duration specified in the policy schedule from the expected time of delivery by the common carrier, we will pay the sum insured shown on your policy schedule for replacement of essential items.

We will pay for reasonable extra accommodation and travel costs you must pay to reach the next destination shown on your ticket/itinerary if, you missed a pre-booked onward connection as a direct result of the scheduled common carrier (on which you were booked to travel) not running on its published timetable due to reasons mentioned in policy wordings.

If the insured person’s outward journey as a fare-paying passenger from the country of residence to an international place of destination on a common carrier is cancelled before the commencement of the period of insurance due to any of the reasons specified below. In that case, the company will indemnify on a reimbursement basis, up to the amount specified against this benefit in the policy schedule, for planned travel and accommodation expenses (including excursions and planned events) that the insured incurred and cannot recover and for which no value can be derived without knowledge of the likelihood of cancellation due to reasons mentioned in policy wordings.

If you have to unavoidably abandon your trip and return home early or partially abandon part of your scheduled trip, we will pay up to the limits shown on your schedule for

• Additional travel costs (in the same class as original booking) (if you cannot use your return ticket); and/or
• Accommodation costs (of a similar standard you had booked for your trip); and/or
• Unused accommodation costs that each insured person has paid and cannot get back (including excursions and planned events)

We will reimburse you up to the sum insured shown in your schedule in the unexpected event of your departure being delayed from the original scheduled departure date of your return journey, either at the port of destination or at any other intermediate ports forming part of the trip, within the period of coverage, for the below expenses:

• The actual additional expenses for lodging and boarding in the same class and type (as originally planned)
• Difference in common carrier fare between the original return ticket and the new ticket of economy class for insured persons insured with us up to the limits mentioned in the policy schedule

We will pay the Sum Insured if your common carrier’s actual departure time is delayed by more than the time duration (as specified in the policy schedule). It will be paid for each block of time in excess as agreed up to the limit shown in the policy schedule from the scheduled departure time, for any of the reasons in the policy schedule.

We will pay you a distress allowance up to the limit shown in your policy schedule for each 24-hour period during which any common carrier in which you are traveling has been hijacked, where, as a direct consequence, your trip has been disrupted up to a maximum amount stated in the policy schedule. This needs to be confirmed and declared by the government and or any respective common carrier authority.

We will cover your non-refundable pre-paid or contracted to be paid portion of the booking amount up to the limits shown in your policy schedule; when you have to cancel the booked tickets in the unexpected or unforeseen event beyond your control.

We will pay/reimburse the following expenses up to the limits shown on your policy schedule if your passport or visa, or valid driving license or temporary permit is lost, stolen or damaged while you are outside of the country of residence, and this would prevent you from leaving the country or continuing your trip.

• The difference of cost in alternate accommodation or upgradation to a same class where the cost of booking is not more than 10% cost of original booking (per night) for the same number of nights that were overbooked (in case similar alternate arrangement is not available on cost of original booking amount), less any refund/compensation given by the accommodation/hotel.
• Reasonable cost of transportation expenses to the alternative accommodation in the same city.

If insured opt for this cover, we will reimburse you up to the sum insured shown in your policy schedule in the unexpected event of the common carrier being unable to honor your confirmed bookings (prepaid or contracted to pay) due to overbooking or any other reason beyond your control for the following:

The difference in cost of the original common carrier fare amount and the reasonable new common carrier fare amount of the same class booking, where the cost of the booking is not more than 10% of the cost of the original booking, less any refund/compensation given by the common carrier.

We will reimburse the cost of visit of one of your immediate family members/friends/relatives to the city where you are hospitalised up to the limits shown in your policy schedule in the unexpected event of you being hospitalised within the period of coverage, for the below expenses:

• Actual cost of economy class transportation by the most direct route via a common carrier of one member of your family/relative/friend from the member’s city of residence to the port of the insured’s hospitalisation.
• Actual cost of lodging and boarding (accommodation of the same class or lower class as that of the insured person) of the visiting member during the stay.

We will indemnify you for the loss or damage of baggage/personal belongings (whilst they are accompanying you) within the period of coverage due to Theft, larceny, robbery or holdup. The liability of the company in any one policy period shall in no case exceed the sum insured or limit of liability as shown in the schedule for any one loss, subject to the deductible and depreciation table and conditions mentioned in the policy wording.

We will indemnify you up to the limits shown in your policy schedule for:

A) Any money that you legally have to pay to any third party in your private capacity that relates to an accident occurring during your trip anytime during the policy period for which claims shall be made on you by the third parties during policy period or within 60 days from the policy period end date, due to negligence on your part which causes:

• Death or physical injury to any person;
• Loss or damage to property;
• Loss or damage to temporary holiday accommodation which is not owned by you.

B) We will also pay legal costs and expenses incurred by you in relation to the accident. You must obtain our consent in writing before incurring any cost or expense.

C) Any bail bond you may have to furnish in the court of law for your immediate release before the hearing date.

We will reimburse up to the sum insured shown in your policy schedule for the actual loss/and or damage to the building and/or contents of your residence located at the address mentioned in the policy schedule or reinstate or replace such property or any part thereof within the period of coverage, for the reasons listed in the policy wordings.

In this cover, we will only provide an assistance service when you require emergency cash flow following incidents like theft/burglary of luggage/money or holdup. We ourselves or through our claims administrator shall coordinate with your relatives in your country of residence to provide emergency cash to you or collect the amount & arrange for the transfers up to the limit specified in the policy schedule.

Suppose you have suffered a financial emergency due to the theft, pilferage, robbery or dacoity of your money in your personal custody whilst on a trip and are consequently left without any travel funds (including cash, travellers cheque, debit or credit card). In that case, we will pay up to the amount stated in the policy schedule to replace the amount of travel funds lost, provided that the loss is reported to the police of the foreign country within 24 hours of loss and a written police report confirming the occurrence of loss and same has been submitted to us.

Subject to all other terms and conditions, it is hereby agreed that the insurer shall pay the sum insured shown in the policy schedule for the celebration of achieving a hole-in-one in a United States Golfers’ Association (USGA) recognised golf course, anywhere in the world, excluding India.

During the trip, if your payment card as specified in the policy schedule is lost or stolen, we will reimburse the unauthorized charges that you are responsible for on your lost or stolen payment card, up to 12 hours prior to your first reporting the event to your payment card issuer(s).

We will reimburse you against expenses incurred for the extended stay of your pet in the pet house in the country of residence as a result of your final booked return journey to the country of residence being delayed for more than 24 hrs due to reasons listed in the policy wording.

By selecting this cover, participation in hazardous activities will be included in the cover that you have opted for (all or any of the following), provided you participate in a non-professional capacity and under the supervision of a trained professional:

• Personal accident
• Medical treatment and evacuation exigencies
• Accidental treatment and evacuation exigencies
• Daily cash allowance
• Dental treatment
• Personal liability and bail bond

We will reimburse the following expenses arising out of visit of one of your immediate family member / relative / friend to escort any accompanying minor child (maximum two), to the city where you are hospitalised up to the limits shown in your policy schedule in the unexpected event of you being hospitalised within the period of coverage, for the below expenses:

• The actual to-and-fro cost of the economy class common carrier ticket using the most direct route for a family member/relative/friend to escort the unattended minor children back to their country of residence.
• Actual cost of the economy class common carrier ticket using the most direct route for the minor children back to their city of residence less actual/possible refund of the scheduled return ticket of the minor children. Provided the hospitalisation of insured occurs not within 3 days of the completion of the trip.

We will reimburse, up to the sum insured mentioned in the policy schedule, the reasonable expenses incurred in respect of the insured person’s upgradation to a business class air ticket by the most direct route from the place of hospitalisation of the insured person to the country of residence.

We will reimburse you up to the sum insured shown in your policy schedule in the unexpected event of discontinuance of your planned studies for the remaining part of the ongoing semester within the period of coverage for the below expenses:

• The actual semester fees paid, which cannot be refunded by the educational institution, and you are not able to complete the semester
• Booked common carrier tickets from the city of residence of the student to the country where the educational institution is, provided that the interruption happens when the insured is in their own city of residence.
• Return the common carrier ticket to the insured’s city of residence, in case, interruption happens at the city of the educational institution.

We will cover you up to the limits shown in your policy schedule in the unexpected event of your sponsor (as named in policy schedule) meeting with an accident resulting in his/her death or permanent total disablement during planned studies for the remaining part of the enrolled full-time course within the period of coverage for the below expenses:

• The unpaid tuition fees for your enrolled full-time study in a registered educational institution outside of your home country.
• One-time return economy class air ticket between the city of residence of the student and the country where the educational institution is to enable the student to be at his/her home in time of need.

In this cover we will extend the coverage provide under Sections “Section 1 - Medical Treatment and Evacuation Exigencies” or ‘Section 2 - Accidental Treatment and Evacuation Exigencies” to include intercollegiate sports injury, sustained during the policy period.