Royal Sundaram Annual Multi Trip Travel Insurance

Eligibility of Royal Sundaram Annual Multitrip travel insurance

1. Minimum age of proposer must be 18 years.
2. No medical reports required.
3. You need to be in good health condition.
4. Minimum age at entry of insured person must be 91 Days.
5. Maximum age of entry of insured person must be 70 years.
6. Available for a period of 365 days. Maximum duration of every trip limit within 30/45/60/90 days. Days spent abroad should not exceed 180 days.

What does Royal Sundaram Annual Multitrip Travel Insurance Cover?

1. 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.
2. 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.
3. 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.
4. Trip Cancellation
   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.
5. Trip Curtailment
   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.
6. 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.
7. 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.
8. 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.
9. Compassionate Visit
   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 USD/day.
10. 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.

Royal Sundaram Annual Multitrip travel insurance benefits