Royal Sundaram Travel Secure Insurance

Age Eligibility

Royal Sundaram Travel Secure Insurance – Individual Leisure / Business Plans

Royal Sundaram Travel Secure – Asia Plan

Claims Assistance

Travel Coverage Descriptions

• 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.

Exclusions under the Royal Sundaram Travel Secure Plans

• 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.