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:
Sickness Dental Relief
- Out Patient Treatment, Hospitalization Expenses, Medical Practitioner’s charges, Ambulance services for any illness or injury sustained while abroad.
- Medical Evacuation to another better nearby location or to India subject to obtaining prior approval from our end for further treatment.
- 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.
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.
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.
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:
Emergency Cash Advance
- Lighting, Storm, Tempest, Typhoon, Hurricane, Inundation, Subsidence
- Landslide and rockslide
- Floods resulting from unseasonal rains, storm or cyclone.
- Volcano Eruption
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.