SBI Travel Insurance, SBI Travel Insurance Policy

SBI General Coverage

Our Travel Insurance is one of the most comprehensive policies in the industry. It covers expenses incurred for medical treatment of illness, disease contracted or injury sustained during an overseas travel and which is primarily in the nature of an emergency and necessary to be undertaken immediately along with other related coverages.

Section	Coverages	Benefits (in US $)	Deductible
A	Medical Expenses including Evacuation & Repatriation	50,000 to 500,000	US $ 100
A-i	Personal Accident	10% of Limit of cover under Section (A) subject to maximum 25,000	Nil
A-ii	Travel Support
	1. Loss of Passport	2000 on Floater basis	5% of claim amount
	2. Golfer’s Hole-In-One		5% of claim amount
	3. Home Burglary Insurance		5% of claim amount
	4. Loss of Checked Baggage		5% of claim amount
	5. Trip Cancellation		5% of claim amount
	6. Trip Curtailment		5% of claim amount
	7. Missed Connection		5% of claim amount
	8. Delay of Checked Baggage (Baggage delay payment at the rate of US $ 200 per 12 hrs)		First 12 hrs
	9. Hijack Cover (Hijack Cover at the rate of US $ 200 per 24 hrs)		First 24 Hrs
	10. Trip Delay (Trip Delay at the rate of US $ 200 per 12 hrs)		First 12 hrs
	11. Hospitalisation Daily Allowance (cash at the rate of US $ 50 per day)		First one day
	12. Bail Bond		Not Applicable
	13. Emergency Cash Advance		Not Applicable
B	Personal Liability	50% of the Limit of cover under Section (A) or 2,00,000, whichever is lower.	US $ 100

How to extend the SBI General policy duration?

With prior approval of the Insurer and on payment of extra premium:- Extension in Policy duration is only permissible in single trip insurance for a maximum 180 days subject to the condition that total Policy duration after extension shall not be more than 270 days.

The premium for extension of Policy duration will be difference of full extended period premium minus premium received till date.

Automatic extension:- This extension is over and above extension of the Policy duration after prior approval for a period not exceeding 7 days if necessitated by delay of public transport services beyond the control of the Insured person. This automatic extension will be free of any charge.

SBI General Exclusions

The Company shall not be liable to pay under the Policy for the following:

No claim will be paid where the Insured person:
is travelling against the advice of a Physician: or
is receiving or on a waiting list for specified medical treatment declared in the Physician's report or certificate; or
is travelling for the purpose of obtaining treatment; or
has received a terminal prognosis for a medical condition.
No claim will be paid if arising from suicide, attempted suicide or wilfully self inflicted injury or illness, mental disorder, anxiety, stress or depression, venereal disease, alcoholism, drunkenness or the abuse of the drugs, or any loss arising directly or indirectly from any injury, illness, death, loss, expenses, or other liability attributable to HIV (Human Immunodeficiency Virus) and/or any HIV related illness including AIDS (Acquired Immune Deficiency Syndrome) and/or any mutant derivative or variation thereof however caused.
No claim will be paid if arising from the Insured person taking part in Naval, Military or Airforce operations.
No claim will be paid if arising from War, invasion, acts of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power or confiscation or nationalisation or requisition of or destruction of or damage to property by or under the order of any government or local authority.
The Insurance does not cover any claim arising from the loss or destruction or damage to any property whatsoever or any loss or expenses whatsoever resulting or arising there from or any consequential loss directly or indirectly caused by or contributed to by or arising from ionising radiation or contamination by radioactivity from any nuclear waste from the combustion of nuclear fuel; or
the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof.
No claim will be paid which arises from the Insured person engaging in Air Travel unless he or she flies as a passenger on an aircraft properly licensed to carry passengers. For the purpose of this exclusion, Air Travel means being in or on, or boarding an aircraft for the purpose of flying therein or alighting therefrom following a flight.
No claim will be paid arising from the participation of the Insured person in winter sports, mountaineering (where ropes or guides are customarily used), riding or driving in races or rallies, caving or potholing, hunting or equestrian, skew diving or other underwater activity, rafting or canoeing involving white water rapids, yachting or boating outside coastal waters (2 miles). Further no claim will be paid in case Insured person participates in professional sports or any other hazardous sports, unless specifically covered as an extension of the Policy.
No claim will be paid for losses arising from accidents on two wheeled motorised vehicles unless at the time of the accident the driver is duly qualified, is in possession of a current full International driving license and the Insured person is wearing a safety crash helmet.
No claim will be paid for losses arising directly or indirectly from manual work or hazardous occupation, or if engaging in any criminal or illegal act.
Pre-existing Disease: The Policy is not designed to provide an indemnity in respect of medical services, the need for which arises out of a pre-existing disease.