Royal Sundaram Travel insurance benefits
Daily Cash Allowance in case of hospitalization beyond 2 days
This will be payable on lump sum basis in case of hospitalization beyond 2 days for every completed and consecutive 24 hours of hospitalization. The benefit shall be payable from the 1st day of hospitalisation up to the limits specified in the policy schedule.
Accidental Death & Dismemberment (Common carrier)
The policy will pay the sum insured specified in the schedule in addition to the sum insured specified under the personal accident section if the insured sustains accidental bodily Injury during the course of his overseas journey while travelling 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 and which was sustained within 12 months from the date of the accident.
Emergency Cash Advance
We will provide an assistance service when the insured person requires emergency cash following incidents like theft/burglary of luggage/money or hold up whilst on a trip covered under policy. The service provider will coordinate with the insured person's family members in his country of residence to provide emergency cash advance to the insured person as per his requirement up to the limit specified (including service and delivery charges) in the policy schedule under this section.
We will reimburse the unused and non-refundable portion of the pre-paid lodging cost and/or the ticket cancellation charges (up to the maximum amount specified in the schedule) if the trip is cancelled and the insured person is unable to undertake the trip due to death or serious injury or sudden sickness requiring minimum 3 days of hospitalization within 5 days before the date of departure or any natural catastrophic event like earthquake or volcano eruption.
We will reimburse the proportionate expenses pre-paid but are not refundable including tickets for the return journey to India (up to the maximum amount specified in the schedule) due to trip curtailment caused by emergency medical evacuation of self or death, serious injury or sudden sickness of your spouse, parents, parent in laws or child residing with you in India and who is not travelling with you on the insured journey.
Missed Connections/ Missed Departures
We will reimburse cost of reasonable expenses towards actual boarding and lodging incurred if the insured misses the connecting Iight at intermediate port due to a delay beyond 12 hours from the original schedule by the outbound air craft from India in which insured is expected to travel, caused by Inclement weather, equipment failure of the common carrier, strike or other job action by employees of the airlines.
Bounced Hotel / Airline Booking
We will reimburse the additional expenses towards alternate Iight booking, transportation to the alternative hotel, cost of up gradation to a superior class of hotel if required when the confirmed hotel / airline booking services with the suppliers is bounced due to over booking.
Political risk and Catastrophe evacuation
We will reimburse the insured, the cost of travel expenses to the country of residence or nearest place of safety up to the cost of an economy class air ticket plus reasonable accommodation expenses, if incurred, up to a maximum of USD 300 per day for a maximum of 7 days if insured is unable to return to his country of residence, when asked to leave the country or forced to evacuate due to any catastrophe like earthquake or tsunami.
If the insured person is hospitalized on account of an illness/accident for a period exceeding 5 days and as opined and recommended by the attending Medical Practitioner requires special assistance from an immediate family member, we shall reimburse the cost of the economy class Iight ticket incurred by the immediate family member rendering such special assistance from and to the place of residence/origin of such person together with accommodation expenses not exceeding 200
Emergency Hotel Extension
We shall pay the actual additional expenses for lodging and boarding incurred by the Insured if the departure of the Insured shall be delayed either at the port at the place of origin (other than the country of residence of the insured) or at any intermediate ports forming part of the trip within the period of insurance solely arising out of and consequent upon occurrence of any of the covered events.
Loss of Baggage and Personal Effects
We shall pay the insured, subject to the limits speci(ed in policy schedule, for loss of checked in baggage and for the loss of the hand baggage carried by the insured, once the insured person leaves the exit gate at the airport. The compensation shall be relating to the loss of baggage as a whole, and shall be on actuals on declaration of such loss by the Insured.
Return of Minor Children
In the event of death of the insured whilst in abroad or hospitalized due to an injury and / or illness which extends beyond a period of 5 days, we shall pay the
insured, cost of economy class air ticket incurred for sending the unattended minor child back to the country of residence.
Difference in Airfare due to delayed or early return
If the insured returns back to India before or after the scheduled date of return, due to illness or accident to self or accompanying travelers who are also travelling with the insured person and insured with us, we shall pay the insured person, the difference fare for economy class return ticket when the insured's original return ticket was issued at a reduced rate and with a fixed or limited return date, and such return date cannot be met due to the insured's illness or accident covered under the policy.
Home Content Insurance (in INR)
We shall pay for the loss or damage to household contents and personal effects of insured kept in insured's specified home in India caused by Fire & allied perils, Burglary/Housebreaking during the policy period, whilst the insured person is abroad.