Business / Leisure Travel

Fun times or a quick hassle-free trip on work should be just that-fun and hassle-free!

The Travel Insurance policy in your pocket is a great companion on your holidays, business trips or visits to friends & family abroad. Travel light, leave your baggage of worries behind and take the short term travel package with you.

Key advantages include:

Business / Leisure Travel

Fun times or a quick hassle-free trip on work should be just that-fun and hassle-free!

The Travel Insurance policy in your pocket is a great companion on your holidays, business trips or visits to friends & family abroad. Travel light, leave your baggage of worries behind and take the short term travel package with you.

Key advantages include:

3 cover options to suit all your travel needs

  • Silver Cover - A simple, cost-effective plan
  • Gold Cover - A comprehensive value plan
  • Senior Citizen Plan - For persons between 71 to 80 years of age

Key Features of Travel Insurance:

  • Door-to-door Cover - You have insurance coverage from the time you leave home, right up to the time you return. This includes any eventuality that may occur on the way from your home to the airport while leaving for the trip, or from the airport to home on the return trip
  • Adventure Sports Cover - Enjoy your holiday abroad to the fullest by seeking the thrills of adventure sports too. For just a nominal additional premium you can get yourself covered against eventualities arising from adventure sports that you may want to try your hand at
  • Multi-Purpose Cover - Take it along on holiday, on business or for any other personal visits
  • Cover for all your family members - You can get the cover for your children (as young as 3 months) to the elders in your family (as old as 80 years) under this policy. No medical check up is required for people up to 65 years of age
  • Senior Citizens Cover - The elderly members of your family can be covered under this package
  • Pay only for what you use - We have a day-wise rate, which means that you pay for the exact duration of your trip, and do not waste money paying on any slab-based premium rate
  • Pre-existing Conditions - Covered under life-saving unforeseen emergencies, we provide cover for any eventuality arising from a pre-existing condition. This is a unique feature of the Travel Insurance.

What does it Cover:

The actual coverage will vary based on the plan chosen.

  • Medical Expenses - To take care of sudden expenses incurred during emergency medical situations while overseas
  • Dental Treatment - A separate benefit in addition to the medical expenses limit for dental treatment
  • Total Loss of Checked-in Baggage - Compensation towards permanent loss of total baggage in the custody of the airline
  • Delay of Checked-in Baggage - Compensation towards cost of Insured's purchase replacement of essential items like toiletries etc., if the checked-in baggage is delayed by the airline
  • Loss of Passport - Cover for the reasonable expenses incurred for obtaining duplicate passport
  • Loss of International Driving License - Covers reasonable expenses incurred in obtaining a duplicate international driving license if the same is lost overseas
  • Personal Accident Overseas - Coverage towards death and / or permanent total disability while overseas
  • Personal Liability - Compensation towards any legal liability incurred by the insured in his private capacity to the third party for any injury to a person or damage to a property
  • Financial Emergency - Compensation towards funds lost if insured, is the victim of robbery or theft overseas.
  • Hospital Daily Cash - Provides payment of sum insured for each day the Insured is hospitalized if there is a claim admitted under medical expenses cover.
  • Hijack Relief - Provides for payment of sum insured for each completed day if the journey is disrupted due to hijack of carrier for more than 12 hours
  • Trip Cancellation and Trip Curtailment - Provides for reimbursements of non-refundable expenses incurred due to cancellation / curtailment of trip due to specified reason.
  • Trip Delay - Provides for reimbursement of expenses for meals and lodgings due to trip delay for more than 12 hours if the same is not paid by the carrier
  • Personal Accident-Domestic - Coverage towards death and / or permanent total disability while traveling from residence to airport or from airport to residence in India.
  • Home Burglary Cover - Loss or damage during travel overseas to contents at residence normally occupied by the Insured in India due to burglary

Student Travel

  • Medical Expenses - To take care of sudden expenses during emergency medical situations.
  • Dental Treatment - A separate benefit in addition to the medical expenses limit.
  • Loss of passport - Cover for obtaining duplicate passport
  • Bail Bond - Covers bail amount applicable if arrested or detained by the police or judicial authorities for any bailable offence while abroad.
  • 2-Way Compassionate Visit - if you or a family member is hospitalized for more than 7 consecutive days, and if a family member visits you or you visit the hospitalized family member in India, we'll cover the cost of the round trip economy class air ticket for you/family member and accommodation charges for the family member who is visiting abroad.
  • Checked Baggage Loss - you'll be adequately compensated for loss of baggage in the custody of the airline.
  • Personal Accident - Overseas - The plan includes cover for death and / or permanent total disability while overseas.
  • Personal Accident - Domestic - This also gives you cover against death and/or permanent total disability while traveling from residence to airport or from airport to residence in India
  • Study interruption - If your studies are interrupted on account of medical grounds or due to death of an immediate family member or the sponsor, company will reimburse the non-refundable portion of the tuition fee for the remaining part of the current school semester.
  • Personal Accident - Domestic - This also gives you cover against death and/or permanent total disability while traveling from residence to airport or from airport to residence in India
  • Sponsor Protection - In case of accidental death of the sponsor, company will reimburse the tuition fee for the remaining part of the education
  • Personal Liability - Compensation towards any legal liability that you may have to bear due to third party injury to a person or damage to a property.

What does it not Cover:

  • Any treatment if that is the sole reason or one of the reasons for the travel Overseas
  • Any treatment which could in the opinion of the Overseas Administrator and attending Doctor be or have been delayed until the Insured's return to India
  • War (whether declared or not), civil war, invasion, act of foreign enemies, rebellion, revolution, insurrection, mutiny, military or usurped power, seizure, capture, arrest, restraint or detainment, confiscation or nationalization or requisition of or damage by or under the order of any government or public local authority or terrorism or terrorist acts. However, for the scope of the Hijack Relief only, terrorism exclusion shall stand excluded from the General Exclusions category
  • Any intentional, reckless or criminal act, suicide, or attempted suicide, or the use or abuse of any drugs, alcohol and the like
  • Participation in naval, military or air force operations whether in the form of military exercises or war games or actual engagement with the enemy whether foreign or domestic
  • Any loss of which a contributing cause was the Insured's actual or attempted commission of, or willful participation in, an illegal act or any violation or attempted violation of the law or resistance to arrest
  • HIV, AIDS and all related medical conditions

Please refer to the Policy Wordings for the complete coverages, exclusions and terms and conditions of the policy.


 

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