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Who can apply for this policy? |
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What is the documentation required under various sections? |
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When does the cover begin? |
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The Insurance Cover commences on the day specified in the Policy Schedule or the time you board the conveyance to leave for onward overseas journey or the Contracted Departure Date as per the policy, whichever is later. |
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Till when is the policy valid? |
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Insurance Cover shall terminate (i) with the end of Insurance Period i.e. the period for which the premium has been paid or (ii) when the insured person first disembarks on return to India. |
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What happens if my trip gets extended for reasons beyond my control? |
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You can get the policy extended by sending a request to the insurer in India and on payment of additional premium |
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Who would I have to get in touch with if I meet with an accident abroad? |
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In case of any emergency, wherein you might need immediate medical care or assistance, you should contact the international assistance center of the insurance company. |
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The name and toll free number of such an assistance center is mentioned in the policy. |
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What is the cost of buying the policy? |
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The Premium Rates vary based on the following factors: |
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- Number of days for which the trip has been arranged |
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- Age of the person who is traveling. |
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- The countries to be visited. |
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Who can apply for this policy? |
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This Policy is available to persons between the ages of 6 months to 75 years at the commencement date of the Policy. |
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What are the services offered by Emergency Assistance Facility? |
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Most insurance companies offer the following services: |
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- Medical advice over the telephone |
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- Medical services provider referral |
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- Arrangement of appointments with local doctors for treatment |
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- Arrangement of hospital admissions |
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- Monitoring of medical condition during hospitalisation |
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- Direct settlement for in-hospital medical expenses abroad |
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- (Medical expenses in excess of US$500 only will be entertained for Direct Claims Settlement) |
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- Arrangement of emergency medical evacuation |
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- Arrangement of medical repatriation |
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- Arrangement of transportation of mortal remains |
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- Inoculation and visa requirement information |
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- Lost baggage and lost passport assistance |
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- Emergency message transmission assistance |
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- Embassy and legal referral services |
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- Interpreter referrals |
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- Weather and exchange rate information |
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- Information on claims procedure |
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What do you mean by personal Liability? Or when does my personal liability Arise and what benefits am I entitled to get if I make a claim under this Section? |
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While on a trip, your personal liability will arise if you, unexpectedly or unintentionally, happen to hurt somebody physically (a stranger or anybody other than a person who is accompanying you on the trip) or if that leads to a fatal accident, where you are legally liable to a third party under statutory liability provisions or in common law for an incident resulting death or injury of such third party or damage to his / her property, the amount shall be paid by us up to the Sum Insured specified in the policy. |
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In case I happen to lose my baggage or my baggage gets damaged during transit, would you replace or reimburse me for all the items I have on hand? |
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The policy pays for Loss of Checked - in Baggage. |
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Typically the maximum amount reimbursable per bag is 50% of the Sum Insured and the maximum value per article contained in any bag is 10% the Sum Insured. It does not cover valuables, perishables and consumables. |
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Please refer to policy for the definition of valuables. |
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What is the documentation required under various sections? |
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- The original bills and vouchers must be submitted along with all claims. |
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- Bills/ Prescriptions/vouchers/ reports/ discharge summary must contain the name of the person treated, the type of illness, details of the individual items of medical treatment provided and the dates of treatment. |
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- Prescriptions must clearly show the medicines prescribed, the price and the receipt stamp of the pharmacy. In the case of dental treatment, the bills/ vouchers/ reports must give the details of the tooth treated and the treatment performed. |
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- For reimbursement of the extra costs of transporting the mortal remains to the Republic of India or of the costs of burial abroad, an official death certificate and a physician's statement giving the cause of death. |
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- For reimbursement of extra expenses of transportation of Insured Person to the Republic of India, a medical statement indicating the cause of illness and the necessity of the transportation. Medical statements from relations or spouses will not be accepted. |
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- In case of loss of baggage, a Property Irregularity Report or other report usually issued by the carriers in the event of loss of baggage. Proof of value for article above USD 100. |
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- For personal liability, proof of judicial decision rendered by a court of law. |
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- For personal Accident, bills/ vouchers/ reports/ discharge summary, Death Certificate, First Information Report, Post Mortem Report Legal Heir Certificate and such other documents as applicable. |
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- Any other document(s) that the Company requires from the Insured Person to process the claim. |
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Would I be reimbursed for the medical expenses incurred abroad, if I go specifically for the purpose of seeking medical treatment? |
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The insurance covers you only for accidents or sickness which happen unexpectedly and unintentionally while you are traveling abroad. This is to ensure that you have sufficient peace of mind during your oversees trip. This policy does not cover planned Medical Expenses / Treatment overseas. |
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In case I don't want the policy anymore, can I get it cancelled? |
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You can get your policy cancelled only if you have not undertaken the journey and you produce your passport as a proof that the journey has not been undertaken. Any such request of cancellation will be entertained up to 14 days after the first date of insurance as indicated in the schedule of the policy. In case of cancellation of your policy, the insurers deduct upto Rs. 250 as administration charges, from the refundable amount. |
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