services Policy Coverage

Our policies offer you a cover for all categories; with a few variations depending on your plan, partner and category.

    • Medical Expenses: We cover you or any of your family members for any emergency medical expenses incurred whilst abroad, including any sudden illness, injury or death. We also reimburse emergency expenses towards medical evacuation to India. We cover the cost of transporting the mortal remains of the deceased back home, or costs towards burial abroad, in case of untimely demise.
    • Dental Treatment: We cover dental expenses incurred by you or any of your family members for any acute anesthetic treatment of teeth due to injury.
    • Accident: Provides compensation to you or any of your family members, should you unfortunately sustain an accidental bodily injury during the trip.
    • Accidental Death—Common Carrier: We provide compensation for death or permanent disability due to an accident while riding as a passenger in a common carrier.
    • Loss of passport: We reimburse the cost of obtaining a fresh or duplicate passport.
    • Total loss of checked-in baggage: We compensate you for the total loss of your checked-in baggage caused by a common carrier.
    • Delay of checked-in baggage: We reimburse reasonable expenses incurred for the purchase of toiletries, clothing and medication, for delays of over 12 hours.
    • Trip Delay: We reimburse additional expenses in case your trip is delayed for over 12 hours due to airline problems, medical problems, personal employment problems or natural disasters.
    • Trip Cancelation & Interruption: We pay compensation for any non- refundable payments or additional expenses incurred, if the trip gets cancelled or interrupted due to any medical emergency, personal employment problems or natural disaster.
    • Missed Connection: We reimburse you for the additional expenses incurred by you, if you miss a connecting flight due to a delay of over three hours.
    • Compassionate Visit: We reimburse the return fare for an immediate family member to visit you, in the unfortunate event of you being hospitalised for over seven consecutive days.
    • Personal Liability: We offer compensation for liability/damages paid to a third party, resulting from death, injury or damage to health or property that is caused involuntarily by you or your family member abroad.
    • Financial Emergency Assistance: We arrange for emergency cash to be made available to you in case of loss of travel funds due to theft.
    • Home Burglary Insurance: We provide insurance against any burglary of the contents of your home in India, while you are on a trip abroad, so that you can be stress-free during your travel.
    • Hijack Distress Allowance: We pay a special distress allowance, in case of a hijack of the common carrier that you or any of your family members is traveling in, for over 12 hours.

 

Policy Exclusions

    • Pre-existing medical conditions, unless in case of a life-threatening condition.
    • Suicide, self-inflicted injury or illness.
    • Mental disorder, anxiety, stress or depression.
    • Venereal diseases, alcohol/drug abuse, HIV/AIDS.
    • Traveling against the advice of physician.
    • Receiving or are on a waiting list for specified medical treatment.
    • Travelling for the purpose of availing medical treatment.
    • Have received a terminal prognosis for a medical condition
    • Theft or loss of passport when left unattended, or police authorities not informed.
    • In case of loss of checked-in baggage, no partial loss or damage shall become payable.
    • War or nuclear threat

 

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