TATA AIG student medical insurance

TATA AIG international student insurance highlights

• Eligibility of Tata AIG student insurance

  • Any individual, between sixteen (16) and thirty-five (35) years of age, enroll and attending a full-time registered educational institution of higher learning, outside Republic of India.
  • The student should be an India Passport holder or holder of a PIO/OCI card
  • The student should be based and traveling out of India at the time of purchase of the policy
  • The insured person can only be covered under one such policy for the period

  
  
  

• Benefits of TATA AIG Senior Citizens Overseas Mediclaim Insurance

  Plan A	Plan B	Ultimate	Ultimate Plus	Supreme
  Accident and Sickness Medical Expenses Reimbursement (Deductible $100)help
  $50,000	$100,000	$250,000	$500,000	$500,000
  Accidental Death and Dismemberment Benefit(24 Hrs)help
  $10,000	$25,000	$25,000	$30,000	$50,000
  Emergency MedicalEvacuationhelp
  $5,000	$10,000	$15,000	$25,000	$25,000
  Repatriation of Remainshelp
  $2,500	$5,000	$7,500	$10,000	$10,000
  Baggage Delay Benefit(After first 12 hrs)#help
  -	$50	$150	$250	$250
  Checked Baggage Loss Benefithelp
  $500	$1,000	$2,000	$2,500	$2,500
  Loss of Passport (Deductible $30)help
  $250	$250	$250	$250	$250
  Personal Liability(Deductible $200)help
  $100,000	$100,000	$500,000	$500,000	$500,000
  Felonious Assault (AD&D)
  $5,000	$5,000	$25,000	$25,000	$25,000
  Study Interruption
  $7,500	$7,500	$15,000	$25,000	$25,000
  Sponsor Protection
  $10,000	$10,000	$20,000	$25,000	$25,000
  Compassionate Visit (2-Way)
  $1,500	$5,000	$7,500	$10,000	$10,000
  Bail Bond
  $500	$1,000	$5,000	$5,000	$5,000
  Maternity Benefit(Only Inpatient Treatment incl 1 month post Natal Cover) - Waiting Period - 10 Months
  $500	$1,000	$2,000	$2,500	$3,000
  Treatment for Mental and Nervous Disorders: Including Alcoholism and Drug Dependency
  -	$500	$1,000	$2,000	$2,500
  Cancer Screening and Mammography Examinations
  $250	$500	$1,500	$2,500	$3,000
  Assistance Services
  Included	Included	Included	Included	Included
  Hijack Cash Benefit (Deductible: 1 day)
  $100 per day (Max 500)	$100 per day (Max 500)	$100 per day (Max 500)	$100 per day (Max 500)	$100 per day (Max 500)
  Missed Connection or Missed Departure
  $250 Deductible: $25	$500 Deductible: $50	$750 Deductible: $75	$1,000 Deductible: $100	$1,000 Deductible: $100
  Trip Delay (Deductible: 12 Hrs)
  10 per 12 hr (Max 100)	10 per 12 hr (Max 100)	10 per 12 hr (Max 100)	10 per 12 hr (Max 100)	10 per 12 hr (Max 100)
  Fraudulent Charges(Payment Card Security) (Deductible: 12 Hrs)
  $500	$1,000	$1,500	$2,000	$2,000

  
    # Reimbursement of purchase of necessary personal effect, due to baggage delay overseas
    * Maximum amount to be reimbursed per bag is 50% and maximum value per article contained in any bag is 10% of sum(s) insured
  

• Some to the key benefits under the Student Guard Plan of Tata AIG include

  • Study Interruption Tata AIG will reimburse tuition fee paid in advance for the current semester if your studies are interrupted due to medical or compassionate reasons.
  • Sponsor Protection In the event of accidental death or permanent disablement of your sponsor, Tata AIG will reimburse the remaining school fees up to a specified maximum limit shown in the table of benefits.
  • Accident and Sickness Medical Expenses Tata AIG will pay you Covered Medical Expenses incurred overseas by you, which are not due to a pre-existing condition up to the maximum stated in the Policy Schedule or the Schedule of Benefits.
  • Compassionate Visit(2-way)*
    • Visit by Family Member Visit by Family Member - If you are hospitalized for more than seven(7) consecutive days, Tata AIG will cover the cost of round-trip economy class air ticket and accommodation expenses for an immediate family member to be with you.
    • Visit by Student In the event of death or hospitalization of parent(s)/spouse/child(ren) for more than seven(7) consecutive days, Tata AIG will cover the cost of a round trip economy class air ticket.
    (* - Subject to maximum coverage as provided in the Schedule of Benefits.)
  • Personal Accident Student Guard Plus provides worldwide coverage against Accidental Death and Permanent Disablement whilst you are abroad, upto maximum limit shown in the Schedule of Benefits.
  • Assistance Services Tata AIG’s Assistance team, Europe Assistance will be available around the clock for any assistance or referral services.
  • Maternity Benefits Medical expenses related to termination of pregnancy are covered subject to maximum amount as provided in the Schedule of Benefits subject to a waiting period of 10 months from the effective date of policy.
  • Bail Bond The insurance company will pay bail bond costs incurred by the Insured student, as a result of false arrest or wrongful detention by any government or foreign power up to the amount stated in the Policy Schedule.
  • Assistance Services Tata AIG’s Assistance team, Europe Assistance will be available around the clock for any assistance or referral services.
  • Other benefits include 24 hrs Worldwide Emergency Assistance Services, Emergency Medical Evacuation, Repatriation of Remains, Felonious Assault, Lost Luggage, Personal Liability Aboard, Accident and sickness Medical Coverage.

  
  
  

• Tata AIG Overseas Student Travel international FAQ’s

  • What is the procedure to cancel the policy if the university rejects TATA-AIG insurance?
    The student should email us and provide the rejection letter received from the university. On receipt of this document, TATA AIG will cancel your student policy and refund the amount to you after deducting the cancellation charges of Rs.300/-
  • What is the effective date of the policy coverage?
    The policy is effective from the actual start date of travel or the commencement date mentioned on the policy certificate, whichever is later.
  • Who do I contact in case of an Emergency?
    Tata AIG’s Assistance Provider is Europe Assistance. The contact (phone and email) details of Assistance company have been provided on the insurance certificate. The assistance company should be contacted for Cashless Hospitalisation requirements, as well as reimbursements for claims already paid for by the insured.
  • What types of treatment are covered under the program?
    Primarily, there are two types of treatments available under this policy. Outpatient & Inpatient; The insured is eligible for the above benefits as per the Terms and conditions of the policy. (Note: Where possible, it is recommended that the insured utilizes the CASHLESS FACILITY by contacting the assistance company to facilitate the claim process) What do you mean by “Cashless” claim settlement? Europe Assistance will pay up to 100% of the claim (subject to the policy terms and conditions and upto the maximum Sum Insured mentioned) to the medical facility above the deductible amount mentioned on the policy certificate. This will be done either by placing a Guarantee of Payment (GOP) or making a payment to the hospital. This is subject to eligibility of the insured for coverage.
  • In the event of a claim, am I liable to pay any excess / deductible?
    The deductible under the Accident & Sickness is USD $100 .The policy deductible is applicable for each instance of sickness/ailment. For continuous treatments relating to the same sickness, the deductible will only be applicable once. The insured is required to quote the Claim reference number when contacting the assistance company while undergoing follow up / re-revisit treatments. The deductible will need to be paid in each instance of a new/ different ailment / sickness.
  • How is the deductible of USD $100 applicable in the case of Cashless hospitalization?
    During discharge of the patient and on preparation of the final bill, the deductible mentioned in the policy schedule is payable by the insured. Apart from this, all expenses that are not payable under the terms and conditions of the policy will have to be paid by the patient to the hospital / medical facilities. Europe Assistance will directly pay the allowed expenses to the hospital on behalf of Tata AIG.
  • Are there any restrictions on the hospital where the treatment should be taken?
    It is advisable that the insured contacts the Assistance Company who will direct them to a Network Hospital in the same locality and assist with Cashless facility. There is no restriction on the hospital where treatment should be taken. The treatment can be taken in any hospital However, the hospital should be a registered hospital under the local jurisdiction.
  • Who can contact the assistance company in the event of an emergency?
    Either the insured, or anyone who is acting on their behalf (friend/ family/ colleague) can contact the assistance company.
  • What is the timeframe in which the Assistance Company is to be contacted?
    The insured (or any other person as nominated above) is to inform the assistance company within a reasonable time frame so that the cashless facility can be activated. It is advisable however to make first contact with the Assistance company within 24 hours in case of hospitalization.
  • What is the process for reimbursement claims?
    The insured should retain all necessary bills (medical records in case of medical treatment) for expenses incurred as per the terms and conditions of the policy. The same can be submitted to the Tata AIG Claims Department (address below) on their return to India. The claims will be settled in 7 working days post submission of completed documentation.
    CLAIMS DEPARTMENT
    TATA-AIG General Insurance Company Limited
    A-501, 5th Floor, Building No.4,
    Infinity Park, Gen. A.K. Vaidya Marg,
    Dindoshi, Malad (East)
    Mumbai 400 097
  • I suffered from a medical and physical condition whilst in India. Can I claim for medical/hospital and other related expenses if I need treatment for the same diagnosis while on my trip?
    No, the policy does not provide for treatment of pre-existing conditions, except in the case of a life threatening situation.
  • Does the policy cover maternity and related expenses?
    Yes the policy covers for maternity expenses incurred for self only. Benefits are as per the policy certificate.
  • Does the policy provide for Travel Inconvenience covers?
    The policy provides coverage for Loss of Passport, Loss of Baggage (checked), Delay of baggage (check in), Missed Departure/Connection, Study Interruption, Sponsor Protection etc.
    
  • Can I make a claim wherein the Airlines have misplaced/lost/delayed my luggage on my return to India?
    You would need to first have a PIR (Property Irregularity Report) form filled with the scheduled airlines. If the airlines confirm on the total loss of the baggage, you may then register your claim with the insurance company. However please note that if the airline has compensated the insured for baggage loss/delay, then you should not file a claim with the insurer. Importantly, if the incident pertains to Delay of Baggage while returning to India, then the said incident would not be covered under the policy.
  • What are the extensions under the Accident & Sickness coverage of the Tata AIG Student programs?
    Some of the insurance company’s Student programs have unique Special Extensions specifically provided in the schedule of benefits:
    • Only Inpatient Medical expenses related to pregnancy, termination of pregnancy only as a result of physician’s advice to terminate pregnancy due to medical reasons and not due to insured person’s choice to terminate pregnancy subject to waiting period of 10 months
    • Medical expenses related to treatment for mental and nervous disorders, including alcoholism and drug dependency are covered subject to maximum amount as provided in the schedule of benefits
    • Medical Expenses related to Cancer Screening and Mammographic examination on recommendation from a physician is covered subject to maximum amount as provided in the schedule of benefits. Any tests done as a part of preventive health check-up are not included under this benefit
    • Medical expenses due to Pre-existing Condition in case of Life threatening unforeseen emergency subject to maximum amount as provided in the schedule of benefits. In such event, measures solely designed to relieve acute pain, provided to the Insured by the Physician for Disease/accident arising out of a pre-existing condition would be reimbursed. The treatment for these emergency measures would be paid till the insured becomes medically stable or is relieved from acute pain
    • For ongoing physiotherapy to treat a disablement due to an accident, unless this is recommended in writing by the treating registered medical practitioner, upto the amount as stated in the policy schedule
    • Childcare benefits – We will pay upto the maximum amount as provided in the schedule of benefits, if the child is in between the age of 7 days - 90 days, and is hospitalized for 2 days or more for any ailment.
  • What are the key features of TATA AIG student insurance?
    Tata AIG is one of the largest insurers of students going abroad for their International Travel. Their insurance plan is known as Student Guard and some of the key benefits include:
    • Accident & Sickness Medical Expense Reimbursement – coverage when the student falls ill or has an accident
    • Emergency Evacuation & Repatriation of Remains – coverage for evacuating the insured to a better medical facility for treatment. Repatriation is making arrangement for the mortal remains to be brought back to India.
    • Study Interruption - Tata AIG will reimburse tuition fee paid in advance for the current semester if your studies are interrupted due to medical or compassionate reasons.
    • Sponsor Protection - In the event of accidental death or permanent disablement of your sponsor, Tata AIG will reimburse the remaining school fees up to a specified maximum limit shown in the table of benefits.
    • Compassionate Visit (2-way)
      • Visit by Family Member: - If you are hospitalized for more than seven(7) consecutive days, Tata AIG will cover the cost of round-trip economy class air ticket and accommodation expenses for an immediate family member to be with you.
      • Visit by Student: In the event of death or hospitalization of parent(s)/spouse/child(ren) for more than seven(7) consecutive days, Tata AIG will cover the cost of a round trip economy class air ticket.
    • Personal Accident - Student Guard Plus provides worldwide coverage against Accidental Death and Permanent Disablement whilst you are abroad, upto maximum limit shown in the Schedule of Benefits.
    • Maternity Benefits - Medical expenses related to termination of pregnancy are covered subject to maximum amount as provided in the Schedule of Benefits subject to a waiting period of 10 months from the effective date of policy.
    • Bail Bond - The insurance company will pay bail bond costs incurred by the Insured student, as a result of false arrest or wrongful detention by any government or foreign power up to the amount stated in the Policy Schedule.
  • What are the key benefits of TATA AIG student insurance?
    Some of the key benefits of Tata AIG Student Plan are as listed below:
    
    Medical Expenses (including Medical Evacuation)
    Following conditions are covered on actual expenses incurred subject to the limits specified in the policy schedule under this section:
    1. Out Patient Treatment, Hospitalization Expenses, Medical Practitioner’s charges, Ambulance services for any illness or injury sustained while abroad.
    2. Medical Evacuation to another better nearby location or to India subject to obtaining prior approval from our end for further treatment.
    Sickness Dental Relief
    Coverage for actual expenses incurred resulting from sickness sustained to Sound Natural Teeth during a Trip abroad.
    
    Accidental Death & Dismemberment (including Common carrier)
    The policy covers the insured for Accidental Bodily Injury during the course of his overseas journey while travelling abroad apart from in a common carrier such as rail, bus, tram or aircraft and such bodily injury is the sole and direct cause of the Insured’s death or Permanent Total Disablement.
    
    Loss / Delay of Checked-in Baggage
    Tata AIG will reimburse (up to the limits specified) any purchase of essential clothes, toiletries and essential medicines in the event that the Insured Person suffers a loss of baggage or delay of more than 6 hours from the Scheduled Arrival time at the destination. This benefit is only payable on outward journey from India and not on return journey to India.
    
    Loss of Passport
    In the event that the Passport, Visa belonging to the Insured Person is lost, the Company will reimburse the direct expenses necessarily and reasonably incurred in connection with obtaining emergency travel documents in lieu of passport /visa or duplicate or new passport.
    
    Personal Liability
    In the event of the Insured Person becoming legally liable to a Third Party (under statutory liability provisions or in common law for an incident which results in death, injury of such third party or damage to his/ her properties), the company will compensate the Insured person.
    
    Compassionate Visit
    If the insured person is hospitalized on account of an illness/accident for a period exceeding 7 days and requires special assistance from an immediate family member, the insurance company shall reimburse the cost of the economy class flight ticket incurred by the immediate family member and accommodation expenses.
    
    Study Interruption
    In the event of Hospitalization of the insured person of more than one consecutive month due to a covered Injury or Sickness or in the case of Terminal Sickness or in the case of a medical repatriation or in case of the death of an immediate family member and the insured student is unable to continue his/her studies for the remaining part of a school semester for which Tuition fee has been paid, the Company shall reimburse the Insured Person the Tuition fees which has already been advanced to the educational institution.
    
    Sponsor Protection
    In the case of injury to the Insured Person’s Sponsor (as stated in the Enrolment Form) resulting in Death or Permanent Disablement, the Company shall reimburse the insured person the Tuition Fee incurred for the remaining period of this education.
    
    Maternity benefit
    Coverage is available towards Inpatient Medical expenses related to termination of pregnancy as a result of physician's advice to terminate pregnancy only due to medical reasons.
    
    Treatment for mental and nervous disorders: including alcoholism and drug dependency
    Medical expenses related to treatment for mental and nervous disorders, including alcoholism and drug dependency are covered.
    
    Cancer screening and mammography examinations
    Coverage is available for Cancer Screening and mammographic examination which are done on recommendation of a physician.
  • What are the salient features of TATA AIG student travel insurance?
    Apart from the regular features of Accident & Sickness Medical Expenses, Medical Evacuation, Repatriation, Baggage Delay/Loss, Passport Loss, Personal Liability etc, the salient features of Student Guard Plan include
    
    • Compassionate Visit (2-way)
      • Visit by Family Member: - If you are hospitalized for more than seven(7) consecutive days, Tata AIG will cover the cost of round-trip economy class air ticket and accommodation expenses for an immediate family member to be with you.
      • Visit by Student: In the event of death or hospitalization of parent(s)/spouse/child(ren) for more than seven(7) consecutive days, Tata AIG will cover the cost of a round trip economy class air ticket.
    • Sponsor Protection - In the case of injury to the Insured Person’s Sponsor (as stated in the Enrolment Form) resulting in Death or Permanent Disablement, the Company shall reimburse the insured person the Tuition Fee incurred for the remaining period of this education.
    • Study Interruption - Tata AIG will reimburse tuition fee paid in advance for the current semester if your studies are interrupted due to medical or compassionate reasons.
    • Felonious Assault - An assault is the act of inflicting physical harm or unwanted physical contact upon a person or, in some specific legal definitions, a threat or attempt to commit such an action. It is both a crime and a tort and, therefore, may result in either criminal and/or civil liability
    • Only Inpatient Medical expenses related to pregnancy, termination of pregnancy only as a result of physician’s advice to terminate pregnancy due to medical reasons and not due to insured person’s choice to terminate pregnancy subject to waiting period of 10 months
    • Medical expenses related to treatment for mental and nervous disorders, including alcoholism and drug dependency are covered subject to maximum amount as provided in the schedule of benefits
    • Medical Expenses related to Cancer Screening and Mammographic examination on recommendation from a physician is covered subject to maximum amount as provided in the schedule of benefits. Any tests done as a part of preventive health check-up are not included under this benefit
    • Medical expenses due to Pre-existing Condition in case of Life threatening unforeseen emergency subject to maximum amount as provided in the schedule of benefits. In such event, measures solely designed to relieve acute pain, provided to the Insured by the Physician for Disease/accident arising out of a pre-existing condition would be reimbursed. The treatment for these emergency measures would be paid till the insured becomes medically stable or is relieved from acute pain
    • For ongoing physiotherapy to treat a disablement due to an accident, unless this is recommended in writing by the treating registered medical practitioner, upto the amount as stated in the policy schedule
    • Childcare benefits – We will pay upto the maximum amount as provided in the schedule of benefits, if the child is in between the age of 7 days - 90 days, and is hospitalized for 2 days or more for any ailment.
  • Does TATA AIG student travel insurance is accepted by the overseas university?
    Yes, Tata AIG currently insures around 10,000 students who are travelling to different countries to pursue their higher education. Most Universities around the world do accept Tata AIG’s Student Insurance plans if they meet their minimum health insurance requirements of the state/country in which the University is located. There University generally puts out a list of benefits that need to be part of the student’s insurance plan and if the Tata AIG plan covers these benefits, the student can go ahead with purchasing the insurance policy.
  • I am going on F1 visa? Which plan is suitable for me?
    
    Tata AIG’s Student Guard Product currently has 5 different plans based on the Accident & Sickness Sum Insured (Plan A has SI of $50,000 to Supreme with SI of $500,000) and all these plans are suitable if you are travelling on a F1 visa. However the student needs to first understand what the insurance requirements of the University are before opting for a particular plan. Based on the Sum Insured requirement (health insurance requirement as it is normally called), the student can choose the optimum plan from the table below...
    
    

    Coverage in USD	Plan A	Plan B	Ultimate	Ultimate Plus	Supreme
    Emergency Accident & Sickness Medical Expenses Reimbursement (Deductible)	$50,000 (100)	$1,00,000 (100)	$2,50,000 (100)	$5,00,000 (100)	$5,00,000 (100)

    
    
    Even if there is a defined Sum Insured requirement of the University, it is advisable that the Student opts for either the Ultimate Plus or Supreme plans (with SI of $500,000) given the cost of medical treatment in the USA.
  • I am going for research in foreign university? Can I get TATA AIG student travel insurance for myself and my spouse?
    Yes, if you meet the requirements of the Student Insurance plan (age between 16 and 35 years on the date of travel) and are going abroad for research (which can be categorised as advance studies), you ‘can opt for the Tata AIG Student Insurance plan. If your spouse is also going abroad to pursue her studies she can opt for a separate Student Insurance plan. If your spouse is however not travelling abroad for higher education, you will then need to opt for a regular insurance plan for him/her. You can opt for Tata AIG’s Travel Guard plan for your spouse’s travel.
  • What is the cost of TATA AIG student travel insurance?
    Tata AIG’s Student Insurance plan called Student Guard is an insurance policy that any student between the ages of 16-35 can purchase while travelling abroad to pursue their higher studies at a foreign College/University. Today insurance coverage is available at competitive premiums primarily depending on i) Destination Country that the student is going to; ii) Duration of policy required (1 or 2 years) and iii) Sum Insured (coverage value) opted for.
    
    Tata AIG’s Student Guard policies are very competitively priced when compared to the insurance plans offered to the student by the College/University. (For example for a 25 year old student going to USA for higher studies for a period of 1 year (365 days), the insurance premium for a 365 policy is around ₹44,000 for the whole year – this is for a coverage of USD $500,000 which is around ₹3.50 cr for Accident & Sickness. If we take the average cost of 1 years fee to be around ₹15,00,000, then the insurance premium contribution is less than 3%.) These premiums will be even lower when the student is visiting any other country in Europe, UK, Australia, Asia etc.). It is important to note that apart from Accident & Sickness the plans also have many relevant benefits for students like Compassionate Visit, Sponsor Protection, Study Interruption, Cancer Screening & Mammography, Maternity Coverage etc.
    
    Students should ideally compare the Indian Insurance plans vis-à-vis what the College/University is offering before making a decision. Indian Insurance plans also offer cashless treatment if the student is seeking inpatient treatment for an accident or sickness. If the student is indeed travelling with an Indian Student insurance plan, and the College/University needs an Insurance waiver form to be submitted, the same can be provided by the India insurer. Hence it is strongly recommended that every student buys a student insurance policy before leaving India.
  • Can I cancel the policy if my university does not accept the TATA AIG student insurance? Is there any time limit?
    Yes, the Tata AIG Student Guard plan can be cancelled and the insured can seek a refund if the University is not accepting the insurance policy of Tata AIG. It is preferable that the student cancels the policy at the earliest given opportunity, but atleast within a month. The refund will be made on a pro rata basis. However if the student has registered a claim under any section of the policy before they have chosen to cancel the policy, Tata AIG reserves the right to not cancel the policy and hence no refund will be applicable/paid to the customer.
  • How do I get University waiver insurance form?
    The University waiver form is generally available with the University and will need to be filled and submitted along with the insurance policy when the student is getting enrolled in the University. The process followed at the time of enrolment is that the University will insist on reviewing the insurance policy as part of the documents that the student submits. If the coverages of the insurance plan meet the Minimum Health requirements of the University, they will request the student o submit the Insurance waiver form duly signed by the insurance company. So the student will need to fill in the form and submit the same to Tata AIG, who will sign the form and hand it over to the student who can submit it to the University.

• TATA AIG student insurance claims related assistance

  For any claim related query, intimation of claim and submission of claim related documents, You can contact Tata AIG’s Assistance Company – Europe Assistance through:
  
  For Excluding Americas Policies :
  

  • Number: +91 – 022 68227600 (Call back facility available)
  • Email - ea.tataclaims@europ-assistance.in

  For the Americas Policies:
  

  • Number: +1-833-440-1575 (Toll free within US and Canada)
  • Email - tata.aig@europ-assistance.in

  For any query on reimbursement claims, we can be contacted on:

  • Toll Free No.: 1800-266-7780 (tollfree) or on 022-66939500 or 1800 22 9966
  • (only for senior citizen policy holders)
  • Email - general.claims@tataaig.com

  Write to:Travel Claims
  Tata AIG General Insurance Company Limited,
  A-501, 5th Floor,
  Building No. 4, Infinity Park, Gen. A. K. Vaidya Marg,
  Dindoshi, Malad (E), Mumbai, India - 400 097.
  

• Exclusions of Tata AIG International student insurance

  • Acts of war, terrorism,
  • Participation in illegal acts, professional and/or competitive sports,
  • Pregnancy or childbirth except for termination of pregnancy, suicide or self-inflicted injury, AIDS.
  • Any Pre-existing conditions or complications arising there from.
  • Any loss due to your engagement in any branch of armed forces or operating; acting as a crew member or an operator of any carrier; testing of any kind of conveyance; engagement in any kind of labor work; engagement in offshore or mining or aerial photography; handling explosives.
  • Also you are not covered if any expenses incurred directly or indirectly in respect of: traveling against the advice of the physician; for obtaining treatment; pre-existing ailments & complications arising out of them;
  • Suicide or attempted suicide; war; terrorism; illegal acts; dangerous sports etc
  • For other exclusions please refer to the policy wordings.