Royal Sundaram Travel Insurance

Royal Sundaram travel insurance overview

• Royal Sundaram Travel Secure Insurance – Individual Leisure / Business Plans

  Royal Sundaram offers a comprehensive travel insurance solution for their Individual Leisure and business travellers. They have three Plan Categories namely Classic, Supreme and Elite Plans and under each category of plans they offer multiple Sum Insured options for Medical Expenses. Under the Classic Plan, they offer Sum Insured options of $50,000 and $100,000, under the Supreme Plan, they offer Sum Insured options of $200,000, $300,000 and $500,000 while under the Elite Plan, the Sum Insured options include $500,000, $750,000 and $1,000,000. They are one of the few insurers who offer the $1,000,000 Sum insured option for Accident & Sickness Medical Expenses (A&S).
  
  Their Accident & Sickness Benefits include A&S Medical Expenses, Dental Relief, Accidental Death & Dismemberment (including Common Carrier), Daily Cash Allowance while in Hospital, Repatriation and Medical Evacuation. Their Non Medical Benefits are very comprehensive and include Delay and Loss of Baggage, Passport Loss, Personal Liability, Trip Cancellation and Curtailment, Bounced Hotel, Compassionate Visit etc. They also have a Home Burglary cover for the insured’s home in India while they travel abroad.
  
  

  Benefits(in USD)	Classic	Supreme	Elite
  Sum Insured	50,000, 1,00,000	2,00,000, 3,00,000, 5,00,000	5,00,000, 7,50,000,10,00,000
  Medical Expenses including Medical Evacuation Deductible: 100	50,000, 1,00,000	2,00,000, 3,00,000, 5,00,000	5,00,000, 7,50,000,10,00,000
  Sickness Dental Relief Deductible: 100	300	500	1,000
  Daily Cash Allowance in case of hospitalization beyond 2 days	Not available	Not available	50 per day to max of 250
  AD & D Common Carrier	2,500	5,000	5,000
  Accidental Death and Dismemberment Benefit (24 hrs)	10,000	15,000	25,000
  Repatriation of Mortal Remains	5,000	5,000	7,500
  Delay of Checked-in Baggage Deductible: After 6 hours	100	100	500
  Loss of Checked-in Baggage	500	500	1500
  Loss of Passport Benefit Deductible: 25	250	250	300
  Personal Liability Benefit Deductible: 100	100,000	200,000	250,000
  Trip Delay Benefit Deductible: After 6 hours	30 per 12hrs to max. 180 (3 days)	30 per 12hrs to max. 300 (3 days)	50 per 12hrs to max. 500 (5 days)
  Hijacking Benefit Deductible: After 12 hours	100 per day (5 Days Max)	100 per day (5 Days Max)	125 per day (7 Days Max)
  Automatic extension of policy upto 7 days	Available	Available	Available
  Emergency Cash Advance	500	1,000	1,500
  Trip Cancellation	500	750	1,000
  Trip Curtailment	500	750	1,000
  Missed Connections/Missed Departures Deductible: After 6 hours	500	500	1,000
  Bounced Hotel/Airline Booking Deductible: 10%	Not available	500	2,000
  Political risk and Catastrophe evacuation	Not available	Not available	10,000
  Compassionate Visit	Not available	Not available	7,500
  Emergency Hotel Extension Deductible: 250	Not available	Not available	5,000
  Loss of Baggage and Personal Effects Deductible:100	Not available	Not available	2,000
  Return of Minor	Not available	Not available	7,500
  Difference in Airfare due to delayed or early return	Not available	Not available	500
  Assistance Services	Included	Included	Included
  Home Content Insurance (in INR)	Not available	Not available	200,000

  
  

  Benefits in USD	Classic	Supreme	Elite
  Hospital Room and boarding	1500/day upto 30 days	1800/day upto 30 days	2000/day upto 30 days
  Intensive Care Unit	2500/day upto 7 days	3000/day upto 7 days	3250/day upto 7 days
  Surgical treatment *	Max 10,000	Max 12,500	Max 15,000
  Anaesthetist services	Max upto 25% of Surgical Treatment	Max upto 25% of Surgical Treatment	Max upto 25% of Surgical Treatment
  Physician's visit	Max 75/day upto 10 visits	Max 75/day upto 10 visits	Max 100/day upto 10 visits
  Diagnostic and pre-admission testing	Max upto 500	Max upto 600	Max upto 1000
  Ambulance services **	Max upto 400	Max upto 500	Max upto 600
  Misc Expenses ***	Part of Room Charges	Part of Room Charges	Part of Room Charges

  
  * Includes OT charges, Surgeon Fee and implant charges
  ** Includes cost of transportation to hospital and paramedic services
  ***Includes but not limited to medicines/pharmacy/drugs/supplies/nursing charges/external medical appliances as prescribed by doctor as necessary and essential as part of the treatment
  
  

• Royal Sundaram Travel Secure – Annual Multi Trip Insurance

  For the traveller who travels abroad multiple times in a year, Royal Sundaram also offers a comprehensive Travel insurance product under their Travel Secure umbrella. This Annual plan is advisable for Frequent travellers since it eliminates the requirements for purchasing a policy every time they travel and it is also cost effective. Under the Annual Multi Trip Plan, they offer two options Gold and Platinum. The Gold option is with an Accident & Sickness Medical coverage of $250,000 while the Platinum plan comes with a coverage of $500,000.
  
  Their plans come with coverage for Medical Expenses, Dental Relief, Accidental Death & Dismemberment (including Common Carrier), Repatriation and Medical Evacuation. Their Non Medical Benefits are very comprehensive and include Delay and Loss of Baggage, Passport Loss, Personal Liability, Trip Cancellation and Curtailment, Bounced Hotel, Political Risk and Catastrophe Evacuation, Missed Connection and Departures Compassionate Visit etc. They also have a Home Burglary cover for the insured’s home in India while they travel abroad.
  
  

  Benefits(in USD)	Gold	Platinum
  Sum Insured	250,000	500,000
  Medical Expenses including Medical EvacuationDeductible: 100	250,000	500,000
  Sickness Dental ReliefDeductible: 100	500	1,000
  Daily Cash Allowance in case of hospitalization beyond 2 days	30 per day to max of 180	30 per day to max of 180
  AD & D Common Carrier	5000	5000
  Accidental Death and Dismemberment Benefit (24 hrs)	25,000	25,000
  Repatriation of Mortal Remains	7,500	7,500
  Delay of Checked-in BaggageDeductible: After 6 hours	100	200
  Loss of Checked-in Baggage	1,000	1000
  Loss of Passport BenefitDeductible: 25	300	300
  Personal Liability BenefitDeductible: 100	250,000	250,000
  Trip Delay BenefitDeductible: After 6 hours	USD30 per 12hrs to max. 180 USD (3 days)	USD50 per 12hrs to max. 300 USD (3 days)
  Hijacking BenefitDeductible: After 12 hours	USD125 per day (7 Days Max)	USD125 per day (7 Days Max)
  Automatic extension of policy upto 7 days	Available	Available
  Emergency Cash Advance	1,000	1,500
  Trip Cancellation	750	1,000
  Trip Curtailment	750	1,000
  Missed Connections/Missed DeparturesDeductible: After 6 hours	750	1,000
  Bounced Hotel/Airline BookingDeductible: 10%	750	1,000
  Political risk and Catastrophe evacuation	7,500	10,000
  Compassionate Visit	-	7,500
  Assistance Services	Included	Included
  Home Content Insurance (in INR)	200,000	200,000

  
  

  Benefits in USD	Limits
  Hospital Room and boarding	2000/day upto 30 days
  Intensive Care Unit	3250/day upto 7 days
  Surgical treatment *	Max 15,000
  Anaesthetist services	Max upto 25% of Surgical Treatment
  Physician's visit	Max 100/day upto 10 visits
  Diagnostic and pre-admission testing	Max upto 1000
  Ambulance services **	Max upto 600
  Misc Expenses ***	Part of Room Charges

  
  * Includes OT charges, Surgeon Fee and implant charges
  ** Includes cost of transportation to hospital and paramedic services
  ***Includes but not limited to medicines/pharmacy/drugs/supplies/nursing charges/external medical appliances as prescribed by doctor as necessary and essential as part of the treatment
  
  

• Royal Sundaram Travel Secure – Asia Plan

  Like most other insurance companies, Royal Sundaram also offers a plan specific to Asia for Leisure and Business Travellers to Asian countries, excluding Korea and Japan. They offer a single option with a Sum Insured of $50,000 for Accident & Sickness Medical Expenses. Apart from this the coverage offered is for Accident Death & Dismemberment, Medical Evacuation and Repatriation, Trip Cancellation, Loss and Delay of Checked in Baggage, Loss of Passport etc.
  
  

  Benefits(in USD)		Deductible
  Sum Insured	50000
  Medical Expenses including Medical Evacuation	50000	100
  Sickness Dental Relief	500	100
  Accidental Death and Dismemberment Benefit (24 hrs)	10,000	Nil
  Accidental Death and Dismemberment Benefit (Common Carrier)	5,000	Nil
  Repatriation of Mortal Remains	5,000	Nil
  Delay of Checked-in Baggage	100	after 6 hours
  Loss of Checked-in Baggage(Per Baggage maximum 50 % and per item in the baggage 10%)	500	Nil
  Loss of Passport Benefit	250	25
  Personal Liability Benefit	100,000	200
  Trip Delay Benefit	30 per 12hrs to max. 180	after 6 hours
  Hijacking Benefit	100 per day (6 Days Max)	after 12 hours
  Emergency Cash Advance	500	Nil
  Trip Cancellation	500	Nil
  Compassionate Visit	5000	Nil
  Assistance Services	Included	Nil

  
  

  Benefits in USD	Limits
  Hospital Room and boarding	1500/day upto 30 days
  Intensive Care Unit	2500/day upto 7 days
  Surgical treatment *	Max 10,000
  Anaesthetist services	Max upto 25% of Surgical Treatment
  Physician's visit	Max 75/day upto 10 visits
  Diagnostic and pre-admission testing	Max upto 500
  Ambulance services **	Max upto 400

  
  * Includes OT charges, Surgeon Fee and implant charges
  ** Includes cost of transportation to hospital and paramedic services
  ***Includes but not limited to medicines/pharmacy/drugs/supplies/nursing charges/external medical appliances as prescribed by doctor as necessary and essential as part of the treatment
  
  

• Royal Sundaram Travel Secure – Senior Citizen’s Plan

  For the Senior Traveller, Royal Sundaram also offers a plan under Travel Secure. This if for Senior Travellers above the age of 71 years and uniquely they do not have an upper age limit for the insured to purchase a Senior Citizen Plan.Under the Senior Citizen’s Classic Plan, they offer three options of Accident & Sickness Medical coverage, which is $25,000, $50,000 and $100,000.
  
  Their plans come with coverage for Medical Expenses, Dental Relief, Accidental Death & Dismemberment (including Common Carrier), Repatriation and Medical Evacuation. Their Non Medical Benefits are very comprehensive and include Delay and Loss of Baggage, Passport Loss, Personal Liability, Trip Cancellation, Trip Delay, Political Risk and Catastrophe Evacuation, Missed Connection/Departure, Emergency Cash Advance etc.
  
  

  Benefits(in USD)		Deductible
  Sum Insured	25000, 50000, 100000
  Medical Expenses including Medical Evacuation	25000, 50000, 100000	100
  Sickness Dental Relief	500	100
  Accidental Death and Dismemberment Benefit (24 hrs)	15,000	Nil
  Repatriation of Mortal Remains	7,500	Nil
  Delay of Checked-in Baggage	250	after 6 hours
  Loss of Checked-in Baggage	1,000	Nil
  Loss of Passport Benefit	300	25
  Personal Liability Benefit	100,000	100
  Trip Delay Benefit	50 per 12hrs to max. 500(5 days)	after 6 hours
  Hijacking Benefit	125 per day (7 Days Max)	after 12 hours
  Emergency Cash Advance	1,000	Nil
  Trip Cancellation	1,000	Nil
  Missed Connections/Missed Departures	500	after 6 hours
  Political risk and Catastrophe evacuation	7,500	Nil
  Difference in Airfare due to delayed or early return	500	Nil
  Assistance Services I	Included	Nil

  
  

  Benefits in USD	Limits
  Hospital Room and boarding	1500/day upto 30 days
  Intensive Care Unit	2500/day upto 7 days
  Surgical treatment *	Max 10,000
  Anaesthetist services	Max upto 25% of Surgical Treatment
  Physician's visit	Max 75/day upto 10 visits
  Diagnostic and pre-admission testing	Max upto 500
  Ambulance services **	Max upto 400
  Misc Expenses ***	Part of Room Charges

  
  * Includes OT charges, Surgeon Fee and implant charges
  ** Includes cost of transportation to hospital and paramedic services
  ***Includes but not limited to medicines/pharmacy/drugs/supplies/nursing charges/external medical appliances as prescribed by doctor as necessary and essential as part of the treatment
  
  

• Travel Coverage Descriptions

  Under all the plans, the description of coverages offered are briefly explained below, please go through the Terms & Conditions of the policy (Policy Wordings) to understand the coverages in detail. Also please note that the Sum Insured for each section is clearly specified on the policy schedule and only that respective sum insured shall be available to the insured against each specific coverage:
  
  • 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.
    3. Any expenses due to Pre Existing Diseases will not be covered. Only in case of Life Threatening emergency, the expenses incurred abroad will be covered up to a max of $2,000.
  • 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.
  • Repatriation of Mortal 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.
  • Loss / Delay of Checked-in Baggage
    The Company 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.
  • Trip Delay
    The insured will receive a lump sum if the Insured Person’s Common Carrier commencement is delayed for more than 6 continuous hours due to any of the following:
    1. Earthquake.
    2. Lighting, Storm, Tempest, Typhoon, Hurricane, Inundation, Subsidence
    3. Landslide and rockslide
    4. Avalanche
    5. Floods resulting from unseasonal rains, storm or cyclone.
    6. Terrorism.
    7. Tsunami
    8. Volcano Eruption
  • Emergency Cash Advance
    The company 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.
  • Trip Cancellation / Curtailment
    The Company will reimburse the unused and non-refundable portion of the pre-paid lodging cost and/or the ticket cancellation charges 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 of (a) of the Insured Person or (b) Traveling Companion or (c) immediate Family member of the Insured Person.
    The Company will also reimburse the proportionate prepaid expenses paid but are not refundable including tickets for the return journey to Republic of India if the insured’s trip has already commenced.
  • Bounced Hotel/Airline Booking
    The company will reimburse the additional expenses towards alternate flight 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.
  • Return of Minor Child
    In the event of death of the insured whilst in abroad or hospitalized due to an Injury and / or Illness, shall pay the insured, cost of economy class air ticket incurred for sending the unattended Minor Child (below the age of 18 years) back to the Country of Residence.
  • Home Content Insurance (in INR)
    The company 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.

  Student Coverage Description

  There are also some coverages which are specific to Student Plans and their coverage descriptionsare below:
  
  • Compassionate Visit
    If the insured person is hospitalized on account of an illness/accident for a period exceeding 5 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 not exceeding 200 USD/day.
  • 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.
  • Bail Bond
    The insurance company will pay bail bond costs that the insured student incurs, as a result of any inadvertent law breaking or false arrest or wrongful detention by any government or foreign power during his/her travel overseas.
  • 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.
  • Loss of Laptop
    The Company will indemnify the Insured for the loss due to Theft of the insured’s laptop. The claim shall be settled at present market value of the laptop at the time of the loss, which will be arrived at by depreciating the replacement value of the laptop by 25% per annum.

• FAQ’s for Royal Sundaram Travel Secure Insurance

  What is the type of cover available under Travel Secure?

  Cover under Travel Secure is available on an Individual basis and not on Family Floater basis.

  What is the premium that I need to pay?

  The premium payable shall be based on your age, country of visit and number of days of travel. The applicable premium shall be remitted as a single payment.

  Do I need to undergo any medical examination for coverage?

  No

  When does the coverage start?

  Cover commences from the time the insured person boards the conveyance to leave for onward overseas journey or the Contracted Departure Date as per the policy whichever is later, subject to receipt of premium by us.At the time of taking the policy, customer should be in India.

  How can my coverage end?

  The coverage shall end on occurrence of any one of the instances as mentioned in the table below.

  What document will I get as a proof of Insurance?

  You would get the soft copy of the policy terms and conditions together with a certificate detailing the insurance coverage details.

  Is there a free look period available under the policy?

  Free look provision is applicable only in respect of an annual multi trip policy and annual student policy. At the inception of the policy, provided the trip has not commenced, insured will be allowed a period of 15 days (30 days for Telesales, Online and Web aggregators) from the date of receipt of the policy to review the terms and conditions of the policy and to return the same if not acceptable. Insured will be entitled to the following, provided no claim has been reported, settled or lodged for the period the policy has been in force:

  • A refund of the premium paid less stamp duty charges or; where the risk has already commenced and the option of return of the policy is exercised, a deduction towards the proportionate risk premium for period on cover or;
  • Where only a part of the risk has commenced, such proportionate risk premium commensurate with the risk covered during such period.
  • However, please note free look is not applicable in the case of renewals.

  What is the procedure to be followed for extension of a policy?

  A policy issued under Leisure plan can be extended based on request much prior to the expiry of the policy. Subject to no claim having been reported and confirmation of good health by the insured person, the company will inform the additional premium applicable which will be difference between the premiums applicable for the total extended period less the premium already paid. Upon receipt of premium prior to expiry of the period specified in the policy, company will issue an endorsement extending the policy up to the permissible extended period. The maximum number of days that can be covered including extension shall not exceed 360 days in respect of Leisure Plan.

  Can this policy be cancelled and if so what will be the premium that will be returned?

  Yes as per details specified below.
  
  The Company may at any time cancel the Policy on grounds of misrepresentation, fraud, non-disclosure of material fact relating to this insurance of the insured or non-cooperation by the insured by sending seven days’ notice in writing by Registered A/D to the insured at his last known address in which case the Company shall not refund to the insured any portion of the premium Cancellation of policy by the Insured Person may be done only in the following cases

  1. where a journey is not undertaken and only on production of the Insured Person’s passport as a proof that the journey has not been undertaken. Any request for cancellation will be entertained up to 14 days after the first day of insurance as indicated in the schedule of the policy subject to a deduction of cancellation fee/-
  2. In case of an early return of the insured person under this policy prior to expiry of the policy period the company will refund premium as per the existing structure. No refund of premium or part thereof will be allowed if any claim has been made under the policy before invoking cancellation request.

  What are the Current Declined list of countries to which travel insurance coverage is not extended?

  Afghanistan, Myanmar (Burma), Democratic Republic of Congo, East Timor, Eritrea, Iran, Iraq, Liberia, Libya, North Korea, Rwanda, Sierra Leone, Somalia, Sudan, Syria, Yeman, Congo, Republic of (Brazzaville), Timor-Leste (East Timor), Zaire , Pakistan
  
  The list of declined countries may undergo change from time to time depending on the geo-political situation in the respective country. Any revision to the country list shall be updated on our website every quarter.

• Claims Assistance

  Royal Sundaram has an alliance with M/s Paramount Healthcare as Their Third Party Administrators (TPA) to help the insured with speedy and convenient claims process and assist you 24 X 7, whenever required.
  
  For Claim, queries or information, you can contact the Travel TPA. The Toll Free Numbers are mentioned below.
  
  For USA and Canada

  Country	International Code	Number
  Canada	001	18663 77 11 77
  USA	001	18663 815 720 AND 18669 785 205

  
  For other countries
  To connect to the TPA from other countries, please dial the International Access Code followed by our worldwide UIFN (Universal International Freephone Number) 800 8000 8400.

  Country	International Access Code	Number
  Australia	0011	800 8000 8400
  Austria	00	800 8000 8400
  Belgium	00	800 8000 8400
  China	00	800 8000 8400
  Denmark	00	800 8000 8400
  Finland	990 / 999	800 8000 8400
  France	00	800 8000 8400
  Germany	00	800 8000 8400
  Hongkong	001	800 8000 8400
  Germany	00	800 8000 8400
  Hong Kong	001	800 8000 8400
  Hungary	00	800 8000 8400
  Ireland	00	800 8000 8400
  Israel	014	800 8000 8400
  Japan	001 010 / 0033 010 / 0061 010 / 0041 010	800 8000 8400
  South Korea	001 / 002	800 8000 8400
  Malaysia	00	800 8000 8400
  Netherlands	00	800 8000 8400
  New Zealand	00	800 8000 8400
  Norway	00	800 8000 8400
  Philippines	00	800 8000 8400
  Portugal	00	800 8000 8400
  Singapore	001	800 8000 8400
  Spain	00	800 8000 8400
  Sweden	00	800 8000 8400
  Switzerland	00	800 8000 8400
  Thailand	001	800 8000 8400
  United Kingdom (UK)	00	800 8000 8400

  
  You can also contact Royal Sundaram's dedicated line for Travel Insurance customers - 0091 22 4090 8315.
  
  If there are Claim documents to be submitted, the same should be sent to:
  Health Claims Department
  M/s.Royal Sundaram General Insurance Co. Ltd.,
  Vishranthi Melaram Towers,
  No.2/319, Rajiv Gandhi Salai (OMR),
  Karapakkam, Chennai 600 097.
  Tel.No: 044-7117 7117.
  
  

• Exclusions under the Royal Sundaram Travel Secure Plans

  Some of the key exclusions are listed below, please refer to the entire list available along with your policy document.
  • Travelling against the advice of a Physician
  • Cementing or fixation of tooth or teeth bridge/s.
  • Any claim for participation in Hazardous Sports/Hazardous Activities and any claim arising out of sporting activities in so far as they involve in training or participation in competitions of professional or semi- professional sports persons
  • Any Jewellery, perishables and consumables
  • Any willful, malicious, criminal, illegal or unlawful act.
  • Failure to check in on time
  • Any mental and nervous disorders rest cures or stress of any kind (excepting as provided)
  • Any claim relating to events occurring before the commencement of the cover or otherwise outside of the Period of Insurance.
  • Any claim in respect of Pre-existing conditions (excepting in case of life threatening situations up to a maximum of USD2000).
  • Any claim arising out of illnesses or Accidents that the Insured Person has caused intentionally or by committing a crime or as a result of drunkenness or addiction (drugs, alcohol).
  • Any claim for any losses in whole or in part and/expenses directly or indirectly in respect of the Insured Person riding on a motor cycle or any other two-wheeled and two-wheeled motorized mode of conveyance as driver unless at the time of the Accident the insured is in possession of a currently valid full international driving license and while riding a two wheeler is wearing a safety crash helmet and following rules applicable in the country of visit.
  • Illness and Accidents that are results of war and warlike occurrence or invasion, acts of foreign enemies, hostilities, civil war, rebellion, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power, seizure, capture, arrest, restraints, detainments of all kings princes and people of whatever nation condition or quality whatsoever.