Care travel insurance

Care international travel insurance Overview

• Some of the unique Key Features in the Care Travel insurance plans are:

  • Pre-existing covered upto 10% of Principal Sum Insured for Accident & Sickness Coverage
  • Age band covered from Day 1 (baby). There is no upper age limitation under the Care travel plans.
  • Per day rates – Premium calculated for actual days of travel i.e. Slab rates not applicable
  • Double SI in case of accident - Customer buying USD $50,000 cover will have coverage of USD $50,000 for any Sickness related treatment and upto USD $100,000 in case claim arising due to accident.
  • Explore Europe, Explore Canada, Explore Gold & Explore - Platinum Plans are approved by all the Schengen consulates up to unlimited age cover without any restriction.
  • E- Travel Insurance Card comes with every policy issued instantly. This helps the customer in case of any accident/ immediate reference in case of emergency.
  • All Care Travel Policies don't have per aliment limit capping.
  • Customer can Upgrade their return tickers to Business class travel in case of they are returning within 20 days of discharge from the hospital
  • Treatment in home country covered upto 30days if the customer returns to India as per Doctor’s advice/recommendation post hospitalization abroad. This expense will be covered under the Accident & Sickness limit.

  
  
  

• Explore Travel Plans – Worldwide Including & Excluding US & Canada

  Under the Explore Worldwide Plans, Care offers two options which are the Gold & Platinum based on the Sum Insured variants offered and a tweak in the benefits/limits under each plan.
  

  Explore Gold	Explore Platinum	Deductible
  Geographical scope
  Worldwide / Worldwide excluding US and Canada	Worldwide / Worldwide excluding US and Canada	-
  Sum Insured
  USD 50,000, USD 100,000, USD 300,000 & USD 500,000	USD 50,000, USD 100,000, USD 300,000 & USD 500,000	-
  Hospitalization expenses
  Yes	Yes	-
  In-patient Care
  Up to Sum Insured	Up to Sum Insured	US $100 / € 75
  Pre-Existing Disease (Life Threatening Condition)
  Up to 10% of Sum Insured	Up to 10% of Sum Insured	US $100 / € 75
  Additional Sum Insured for Accidental Hospitalization
  Yes, up to 100% Sum Insured	Yes, up to 100% Sum Insured	US $100 / € 75
  Out-patient care
  USD 50,000	USD 50,000	US $100 / € 75
  Daily Allowance
  US $25 per day, max 5 days	US $25 per day, max 5 days	2 days
  Compassionate Visit
  -	US $5,000	-
  Return of Minor Child
  -	US $2,000	-
  Upgradation to Business Class
  US $1,000	US $1,000	-
  Dental Expenses
  US $300	US $300	US $100 / € 75
  Personal Accident
  US $15,000	US $15,000	-
  Common Carrier Accidental Death
  -	US $5,000	-
  Medical Evacuation
  US $50,000	US $50,000	-
  Repatriation of Mortal Remains
  US $50,000	US $50,000	-
  Trip Cancellation and Interruption
  US $1,000	US $1,000	-
  Trip Delay
  US $500	US $500	12 hours
  Loss of Checked-in-Baggage
  US $100	US $100	-
  Delay of Checked-in-Baggage
  US $100	US $100	12 hours
  Loss of Passport
  US $300	US $300	-
  Personal Liability
  US $100,000	US $100,000	US $100 / € 75

  
  

  Sublimits applicable to Gold Plan only for insureds above 60 years of age

  Medical Expenses	Sub-limit
  Room rent including boarding and lodging	1.5% of the sum insured subject to a maximum of US $2,000 per day / €1,500 per day
  ICU Charges	2% of the sum insured subject to a maximum of US $3,000 per day / €2,250 per day
  Operation Theatre Charges(incl. Surgeon Charges)	10% of the sum insured subject to a maximum of US $20,000 per Claim / €15,000 per Claim
  Anesthesia	25% of the surgery cost payable
  Ambulance Services	US $500 per Claim / €375 per Claim
  Diagnostics and Radiology	US $1,000 per Claim / €750 per Claim
  Medical Practitioners visit fees	US $100 per visit / €75 per visit subject to maximum of 10 visits per Claim
  Miscellaneous Expenses	US $1,000 per Claim / €750 per Claim

  
  

• Explore Travel Plans – Asia, Africa, Europe and Canada

  Apart from the worldwide plans which forma part of the Explore Product offerings, Care also has specific plans for specific destinations based on the Indian outbound traveller. They offer a specific plan to Asia, Africa, Europe and Canada. While the benefits are almost similar across each of these plans, there are different sum insured variants that can be offered.
  

  Explore Asia	Explore Africa	Explore Europe	Explore Canada	Deductible
  Geographical scope
  Asia	Africa	Europe	Worldwide excluding US	-
  Sum Insured
  USD 25,000, USD 50,000 & USD 100,000	USD 25,000, USD 50,000 & USD 100,000	€ 30,000 & € 100,000	USD 50,000 & USD 100,000	-
  Hospitalization expenses
  Yes	Yes	Yes	Yes	-
  In-patient Care
  Up to Sum Insured	Up to Sum Insured	Up to Sum Insured	Up to Sum Insured	US $100 / €75
  Pre-Existing Disease (Life Threatening Condition)
  Up to 10% of Sum Insured	Up to 10% of Sum Insured	Up to 10% of Sum Insured	Up to 10% of Sum Insured	US $100 / €75
  Additional Sum Insured for Accidental Hospitalization
  Yes, up to 100% Sum Insured	Yes, up to 100% Sum Insured	Yes, up to 100% Sum Insured	Yes, up to 100% Sum Insured	US $100 / €75
  Out-patient care
  20% of Sum Insured	20% of Sum Insured	€ 30,000	USD 50,000	US $100 / € 75
  Daily Allowance
  US $25 per day, max 5 days	US $25 per day, max 5 days	€ 25 per day, max 5 days	US $25 per day, max 5 days	2 days
  Upgradation to Business Class
  US $1,000	US $1,000	€ 750	US $1,000	-
  Dental Expenses
  US $300	US $300	€ 300	US $300	US $100 / € 75
  Personal Accident
  US $15,000	US $15,000	€ 10,000	US $15,000	-
  Medical Evacuation
  US $10,000	US $10,000	€ 7,500	US $10,000	-
  Repatriation of Mortal Remains
  US $10,000	US $10,000	€ 7,500	US $10,000	-
  Trip Cancellation and Interruption
  US $1,000	US $1,000	€ 750	US $1,000	-
  Trip Delay
  US $500	US $500	€ 300	US $500	12 hours
  Loss of Checked-in-Baggage
  US $100	US $100	€ 100	US $100	-
  Delay of Checked-in-Baggage
  US $100	US $100	€ $100	US $100	12 hours
  Loss of Passport
  US $300	US $300	€ 250	US $300	-
  Personal Liability
  US $100,000	US $100,000	€ 75,000	US $100,000	US $100 / € 75

• Below are the Coverages of the Explore Plans of Care Travel

  • Pre-existing disease cover: covers the emergency medical treatment with a proportion of Sum Insured (10%) towards any pre-existing medical conditions
  • Personal Accident: Covers any unfortunate situation arising out of an accident, death or permanent total disability, while you’re traveling abroad.
  • Loss of Passport: Covers expenses for the issue of a new or duplicate passport of the insured.
  • Up-gradation To Business Class: Compensates for up-gradation to business class for return air travel, in case of hospitalization of the insured.
  • Dental Expenses: Covers emergency dental expenses incurred in connection with any injury while on your trip.
  • Emergency Accident & Sickness Cover: Covers hospitalization for treatment if during your travel you are diagnosed with an illness or as the result of an accident, or any life threatening previous illness.
  • Common Carrier Accidental Death: Lump sum payment of Sum Insured in case of accidental death as a passenger on a common carrier/transport.
  • Daily Allowance in case of Hospitalization: In case of Hospitalization we even pay an extra specified amount per day of stay at the hospital to meet numerous incidental expenses such as attendant's meals, transportation and communication incurred etc.
  • 2-way Compassionate Visit: Covers transportation expenses for one immediate family member to travel to the insured's current location in the event of continuous hospitalization for 5 days of the insured. Similarly if an immediate family member is hospitalized for a continuous period of 5 days in India, the policy covers transportation expenses for the insured’s travel to and from India.
  • Return of Minor Child: Covers the return cost of your minor child to your home location, in case you’re hospitalized and travelling alone with your child/children.
  • Medical Evacuation: Covers all costs incurred for any emergency transportation and evacuation services, to transfer you to an appropriate medical facility within our network for treatment if the facilities are not available in the medical establishment where the insured is currently availing treatment.
  • Compensation For Loss/Delay Of Checked-In Baggage : We cover expenses directly incurred as a result of your checked-in baggage that is lost while in custody of the Common Carrier. We also cover expenses directly incurred in case of a delay in receipt of the checked-in baggage beyond 12 consecutive hours.
  • Trip Delay/Trip Cancellation Coverage: We Cover expenses incurred if your departure is delayed beyond 12 consecutive hours due to specified reasons/issues.. We even cover expenses sustained by the insured, arising out of cancellation or interruption of the trip
  • Repatriation of Remains : Covers cost of repatriation of mortal remains to India.

• Exclusions for Care Travel Policy

  • Traveling against the advice of a physician
  • Traveling with the specific purpose of receiving treatment in a foreign location
  • Any dental treatment or surgery unless it is necessitated due to an accident
  • Expenses arising out of or attributable to alcohol or drug use/misuse/abuse.
  • Charges as a result of Spectacles, Contact lenses, Hearing aid, Routine eye and ear examinations
  • War and Nuclear perils or consequences thereof.
  • Ionising Radiation or contamination arising out of the same.
  • Treatment of Congenital injuries or illness and treatment of anything related to birth defects
  • Degenerative or oncological(cancer) diseases
  • Non allopathic treatment
  • Any preventive care taken including vaccinations, immunisations etc
  • Any sporting activity which is in the nature of training or participation in competitions for professionals or semi professionals
  • Any intentional self-injury, suicide or attempted suicide.
  • Any claim relating to hazardous activities.
  • The insured being involved in Breach of taw.
  • HIV/AIDS