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Repatriation of Remains

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Travel insurance FAQ's

Insurance company will pay the expenses incurred up to the Sum Insured or a fixed amount, as specified in the Policy Schedule / Certificate of Insurance for transportation of mortal remains from the place of death of the Insured Person during the Travel Period to the residence of the Insured Person in the City of Residence, in case of death due to Injury or Illness suffered or contracted during the Travel Period.

Travel Insurance provides you and your family medical, non medical and other assistance in case of an emergency while travelling on a Domestic or International Trip; irrespective of whether you are a business or leisure traveller. Insuring your trip ensures a stress free and enjoyable holiday.

Repatriation of Remains

In the event of the unfortunate death of the Insured Person during the Trip due to illness/ injuries, compensation will be provided for the transportation expenses reasonably incurred to return the mortal remains of the Insured Person to the place of residence in the Republic of India or the expenses for local burial or cremation in the country where the death occurred.

Repatriation of Remains Coverage

  • Repatriation of Remains Coverage for Travel- Individual

    • Tata Aig

    Included under the benefit limit of accident & Sickness medical expense reimbursement
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    Deductible: Nil
    • reliance

    Standard ($50,000)
    Up to $50,000
    Silver ($100,000)
    Up to $100,000
    Gold ($250,000)
    Up to $250,000
    Platinum ($500,000)
    Up to $500,000
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    Deductible: $50
    • Star Health

    Included Under Medical Expenses
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    Deductible: $100
    • SBI

    Included Under Medical Expenses
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    Deductible: Nil
    • hdfc ergo

    Included Under Medical Expenses
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    Deductible: Nil
    • future generali

    Standard ($50,000)
    Up to $50,000
    Silver ($100,000)
    Up to $100,000
    Gold ($250,000)
    Up to $250,000
    Platinum ($500,000)
    Up to $500,000
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    Deductible: Nil
    • iffco tokio

    Bronze ($50,000)
    Up to $7000
    Silver ($2,50,000)
    Up to $7000
    Gold ($1,00,000/$2,50,000/ $5,00,000)
    Up to $7000
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    Deductible: $100
    • royalsundaram

    Classic ($50,000/ $1,00,000)
    Up to $5,000
    Supreme ($200,000/$300,000/ $5,00,000)
    Up to $5,000
    Elite ($500,000/$750,000/ $1000000)
    Up to $7,500
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    Deductible: Nil
    • universal sompo

    Included Under Accident & Sickness Medical Reimbursement
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    Deductible: $100
    • cholamandalam

    Comprehensive Travel
    • Plus($50,000/$100,000/$250,000/ $350,000/$500,000)
      $7,500
    • Pleasure($50,000/$100,000/ $250,000/$350,000/$5,00,000)
      $7,500
    • Delight($50,000/$100,000/ $250,000/$350,000/$500,000)
      $7,500
    Leisure plan
    • Silver ($50,000/$100,000)
      $7,500
    • Gold ($50,000/$100,000)
      $7,500
    GET QUOTE 
    Deductible: $100

  • Repatriation of Remains Coverage for Annual Multi-Trip

    • Tata Aig

    Gold ($250,000)
    Included under the benefit limit of accident & Sickness medical expense reimbursement
    Platinum ($500,000)
    Included under the benefit limit of accident & Sickness medical expense reimbursement
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    Deductible: Nil
    • reliance

    Standard ($1,00,000)
    Up to $1,00,000
    Plus ($2,50,000)
    Up to $2,50,000
    Elite ($5,00,000)
    Up to $5,00,000
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    Deductible: $50
    • future generali

    Gold ($2,50,000)
    Included under Accident & Sickness Medical Expenses
    Platinum ($5,00,000)
    Included under Accident & Sickness Medical Expenses
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    Deductible: Nil
    • cigna ttk

    Gold ($2,50,000)
    Up to $7,500
    Platinum ($5,00,000)
    Up to $7,500
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    Deductible: Nil
    • cholamandalam

    $100,000/$250,000
    Up to $7,500
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    Deductible: Nil
    • hdfc ergo

    Gold ($250,000)
    Included Under Medical Expenses
    Platinum ($500,000)
    Included Under Medical Expenses
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    Deductible: Nil

  • Repatriation of Remains Coverage for Student

    • Tata Aig

    Plan-A ($50,000)
    Up to $2,500
    Plan-B ($1,00,000)
    Up to $5,000
    Ultimate ($2,50,000)
    Up to $7,500
    Ultimate(+) ($5,00,000)
    Up to $10,000
    Supreme ($5,00,000)
    Up to $10,000
    GET QUOTE 
    Deductible:$100
    • royalsundaram

    Silver ($50,000)
    Up to $2,500
    Gold ($1,00,000)
    Up to $5,000
    Platinum ($2,50,000)
    Up to $7,500
    Titanium ($5,00,000)
    Up to $10,00
    Diamond ($7,50,000)
    Up to $10,000
    GET QUOTE 
    Deductible: Nil
    • future generali

    Basic ($50,000)
    Up to $50,000
    Standard ($50,000)
    Up to $50,000
    Silver ($100,000 /$150,000)
    Up to $100,000 /$150,000
    Gold ($200,000/ $250,000)
    Up to $200,000 /$250,000
    Platinum ($500,000)
    Up to $500,000
    GET QUOTE 
    Deductible: Nil
    • cholamandalam

    Silver ($50,000 / $100,000)
    Up to $7,500
    Gold($250,000 / $100,000)
    Up to $7,500
    platinum ($250,000 / $100,000)
    Up to $7,500
    GET QUOTE 
    Deductible: Nil
    • hdfc ergo

    Platinum ($500,000)
    Up to Sum Insured
    Gold ($250,000)
    Up to Sum Insured
    Silver ($100,000)
    Up to Sum Insured
    Bronze ($50,000)
    Up to Sum Insured
    GET QUOTE 
    Deductible: Nil
    • apollo

    Platinum ($500,000)
    Included Under Medical Expenses
    Gold ($250,000)
    Included Under Medical Expenses
    Silver ($100,000)
    Included Under Medical Expenses
    Bronze ($50,000)
    Included Under Medical Expenses
    GET QUOTE 
    Deductible: Nil
    • Star Health

    Standard ($50,000 / 100,000 / 250,000)
    Included in M1
    Silver ($50,000 / 100,000 / 250,000)
    Included in M1
    Gold ($50,000 / 100,000 / 250,000)
    Included in M1
    GET QUOTE 
    Deductible: $100
    • universal sompo

    Primary ($50,000)
    Included Under Accident & Sickness Medical Reimbursement
    Buddy ($100,000)
    Included Under Accident & Sickness Medical Reimbursement
    Intellectual ($200,000)
    Included Under Accident & Sickness Medical Reimbursement
    GET QUOTE 
    Deductible: Nil

What are the situations in which repatriation of remains is rejected by travel insurance?

Repatriation of remains is a sensitive aspect of travel insurance that involves bringing a deceased person’s body back to their home country. However, there are specific situations in which this benefit may be rejected by travel insurance. Here are some common scenarios:

Pre-existing Medical Conditions :If the insured had a pre-existing medical condition that contributed to their death and this condition was not disclosed at the time of purchasing the insurance, the claim may be denied.
Non-covered Activities :Death resulting from high-risk activities, such as extreme sports or adventure activities that are not covered by the policy, may lead to rejection.
Suicide or Intentional Harm :If the death was ruled as suicide or resulted from intentional self-harm, insurers typically do not cover repatriation costs.
Natural Causes :Some policies may have limitations regarding deaths from natural causes, especially if they are related to pre-existing conditions or if the cause of death is ambiguous.
Legal Issues :If there are legal complications surrounding the death, such as ongoing investigations or criminal charges, the insurance company may suspend or deny the claim until these matters are resolved.
Policy Limitations and Exclusions: Each policy has specific exclusions listed in the Terms & Conditions. Claims may be denied if the situation falls outside these stipulated exclusions.
Traveling Against Medical Advice :If the deceased was traveling against medical advice and this was documented, the insurer may deny repatriation coverage.
Tips for Coverage:
Read Policy Details:Always review the specific terms of the travel insurance policy regarding Repatriation of Remains.
Disclose Medical History:Ensure that all medical conditions and risks are disclosed when purchasing the insurance to avoid any unnecessary conflicts later.
Understand Exclusions:Be aware of activities or situations that may not be covered under the policy.
Understanding these factors can help ensure that you select a travel insurance policy that meets your needs and minimizes the risk of denial for repatriation claims. If you have specific questions about the policy or coverage, don’t hesitate to reach out to EIndia’s Customer Service for clarification on 080 41101026 or email us at info@eindiainsurance.com

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