Annexure III
United India Insurance Co. Ltd
Regd. Office: 24, Whites Road, Chennai 600 014
Corporate Regional Office: Veer Nariman Road, Churchgate, Mumbai 400 020
Policy Terms and Conditions Overseas Travel Insurance
IMPORTANT
Please make sure you have read and fully understood this document before you travel from the
Republic of India. Please read carefully the full details of the procedure for obtaining assistance
and claims.
Failure to follow the instructions given could result in rejection of the claim.
OVERSEAS MEDICLAIM POLICY (Business & Holiday)
WHEREAS THE INSURED PERSON designated in the policy Schedule hereto, having applied
to United India Insurance Company Limited (hereinafter called the insurers) for the insurance
hereinafter set forth and having paid the premium for the insurance specified hereinafter for the
number of days stated in the Policy Schedule. Now this policy provides as follows:
DEFINITIONS: The following definitions apply throughout this insurance:
INSURED PERSON is that person named in the Overseas Mediclaim Policy Schedule, for whom the
appropriate premium has been paid.
APRIL is the Third Party Administrator named as April International who provides emergency
assistance and claims administration service. Their address is 8, Rue Auber, 75009, Paris, France.
HERITAGE is the Indian Partner of APRIL and named as Heritage Health Services Pvt. Ltd. and
having their Head Office at McLeod House, 3, Netaji Subhash Rd., Kolkata 700 001. India. They
provide assistance to Insured Person in India on behalf of APRIL.
MEDICAL ADVISORSare Medical Practitioners appointed by April/Heritage
PHYSICIAN means a person legally qualified to practice in medicine or surgery including other
legally qualified medical practitioner duly licensed by their respective jurisdiction which person is
not a member of the insured persons family.
MEDICAL RELATED EXPENSES REASONABLY AND NECESSARILY INCURRED means expenses that
in the opinion of the treating physician and April are medically necessary in order to maintain life
and/or relieve immediate pain or distress or illness/disease/accident first manifested/occurring
during the period of insurance.
EMERGENCY HOSPITALIZATION means any medical event requiring immediate medical
assistance to sustain life of the insured or to repair injury sustained by him in an accident as an
inpatient in a hospital for more than 24 hours.
PERMANENT TOTAL DISABLEMENT means a condition wherein the insured person is permanently,
totally and absolutely disabled from engaging in any employment or occupation of whatsoever
description.
LOSS OF EYE means the total and irrecoverable loss of sight from one or both eyes.
LOSS OF LIMB means the loss of a hand or foot by permanent physical severance at or above the
wrist or ankle including total and permanent loss of use of a hand or foot.
BURGLARY means any act of theft involving entry into or exit from the described premises or
at officially recorded address, by forcible means including any threat of violence with intent to
commit an act of crime therein.
HIJACK means any unlawful seizure or exercise of control, by force or violent or threat of force
or violent with wrongful intent, of common carrier in which insured is travelling as a fare paying
passenger.
CHECKED BAGGAGE means the baggage handed over by the Insured Person and accepted by an
international Airline/ Carrier outside the Republic India for transportation in the same mode of
conveyance as the insured person travels and for which the carrier has issued a baggage receipt.
ADVENTURE SPORTS Paragliding, Parasailing, Bungee Jumping, Base Jumping, Hand gliding, Ski
Jumping, Mountaineering, Trekking, Climbing, Adventure racing on land and water, Scuba diving,
Snorkeling, Kayaking, Surfing, White water rafting, Canoeing, Yachting & Potholing, Hot Air
Balloon.
VALUABLES mean Photographic, Audio, Computer/Laptop/Tab, Telecommunication, Electrical
equipment, Telescopes, Binoculars, Spectacles, Sunglasses, Antiques, Watches, Jewellery, Furs,
Articles made of precious stones/metals, Cash and documents.
INTENDED DESTINATION means an area(s) which appears on the travel itinerary of the insured for
his stay during his visit to that city/cities.
SCHENGEN COUNTRIES are a group of countries that includes Austria, Belgium, Czech Republic,
Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Lithuania,
Luxembourg, Liechtenstein, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia,
Spain, Sweden, Switzerland and associates countries viz. Bulgaria, Croatia, Cyprus, Romania. The
list of these countries is subject to updating from time to time as and when necessitated.
INCLEMENT WEATHER shall mean the existence of rain or abnormal climatic conditions
(whether they be those of hail, snow, cold, high wind, severe dust storm, extreme high
temperature or the like or any combination thereof) by virtue of which it is either not
reasonable or not safe for traveller exposed thereto to continue the trip whilst the same prevail.
CRUISE means a trip involving a sea voyage of at least 24 hours of total duration, where
transportation and accommodation is primarily on an ocean going passenger vessel.
LIFE THREATENING CONDITION / SITUATION refers to a medical condition suffered by the Insured
which has the following characteristics:
i. Markedly unstable vital parameters (blood pressure, pulse, temperature and respiratory rate).
ii. Acute impairment of one or more vital organ systems (involving brain, heart, lungs, Liver,
Kidneys and pancreas).
iii. Critical care being provided, which involves high complexity decision making to assess,
manipulate and support vital system function(s) to treat single or multiple vital organ failure(s)
and requires interpretation of multiple physiological parameters and application of advanced
technology.
iv. Critical care being provided in critical care area such as coronary care unit, intensive care unit,
respiratory care unit, or the emergency department.
PERIOD OF INSURANCE
This insurance is valid from the First Day of Insurance or date and time of departure from India,
whichever is later, subject to General Condition [1 (i)] and expires on the last day of the number of
days specified in the policy schedule or on return to India whichever is earlier.
Extension of the period of insurance is automatic for the period not exceeding 7 days, and
without extra charge if necessitated by delay of public transport services beyond the control of
the Insured Person.
When injury/illness accident covered under this policy is contracted during policy period and
treatment for the same commences during the period and continues beyond the expiry date
of this policy, only emergency expenses would be paid up to 45 days from the date of expiry of
the policy provided the insured person is medically incapable of travel. April must be notified
immediately as soon as it is known that insured person is unfit to return to India. If any new
illness/injury/accident is contracted beyond the expiry date of the policy, treatment for the same
would not be covered.
(Note: This is to clarify that in case of extension of existing policy, any aliment /injury / accident
which occurred during the primary policy shall be excluded from the scope of extended policy
period)
Period of Insurance for MDV
For travel to Dubai, Sharjah & Abu Dhabi (MDV), the policy issued for obtaining Visa followed by
travel to the cities, this insurance is valid from the First Day of Insurance specified on the policy
schedule or a later date (but within stipulated time limit of 60 days) upon which the insured
first boards the mode of transportation by which it is intended that he/she shall finally leave the
travel start point for the insured journey till the expiry date specified in the schedule or an earlier
date on which insured returns to his home after completing his covered journey. The maximum
travel time outside the country would be 30 days including departure from and return to India.
GENERAL CONDITIONS APPLICABLE TO ALL SECTIONS
The conditions below apply throughout this insurance. Failure to comply with them may be
prejudicial to a claim.
1. Cancellation/ Extension of Policy
a. Cancellation of the policy may be done ONLY in case where a journey is not undertaken.
The policy may be cancelled by the insured by giving a written request to the Insurance
Company with reasonable time as acceptable to the Company. Such cancellation will be
subject to deduction of cancellation charges.
b. In case of any extension of stay abroad, requiring extension of policy period, approval
of issuing office to be obtained and appropriate premium paid before expiry of policy.
Request or such extension should be supported with a declaration of good health. In such
case if the insured has suffered from any illness or accident during the existing policy
period, the same shall not be covered under extended policy.
2. In case of any early return of the insured person prior to expiry of the policy period the
Company will refund premium at the following rates subject to no claims being preferred
under the policy.
Percentage of premium to be
Period of Risk in % (Number of days)
retained by company
50 100
40-50 80
30-40 75
20-30 60
Up to 20 50
3. It is a condition precedent to liability hereunder that in the event of any occurrence likely to
give rise to a claim under this Insurance, that the Insured Person, or his representative, must
notify `April immediately. The Insured person or his representative should quote April as
much information concerning the illness; accident or occurrence as is available, including
the name of the treating doctor, name and telephone number of the hospital, the OMP policy
number and its date of issue.
The claim document, together with invoices, travel documents and any other relevant details
must be sent to April/Heritage, clearly stating under which section of this policy a claim is
being made. Please note that if medical treatment has been received, medical certificates
showing the nature of illness or injury together with all bills and receipts if already paid
should be forwarded to April/Heritage.
4. Insurers shall be fully and completely subrogated to the rights of the insured Person against
parties who may be liable to provide indemnity or make a contribution In respect of any
matter which is the subject of a claim under this insurance. The Insured Person further agrees
to co-operate fully with insurers in seeking such indemnity or contribution including where
appropriate insurers instituting proceedings at their own expense against such parties in the
name of the Insured Person.
5. The Insurers may require the Insured Person to furnish at his own expense all certificates,
documents in English if in any language other than English, including all information, proofs
and other evidence of claims. The insurers may approach any physician who might have
treated the Insured Person, and the Insured Person must cooperate in this respect.
6. Insured person shall not admit liability or make any offer or promise of payment without the
express written consent of the Insurers/April International Assistance.
7. The Insured Person shall take all reasonable and proper care to safeguard against accident or
illness or loss of or damage to his property, as if this insurance is not in force. Failure to do so
will prejudice the Insured Persons claim under this Policy.
8. The Insured Person cannot transfer his interest in this Insurance. However, the legal
representatives of the Insured Person shall have the right to act for and on behalf of the
Insured Person who is Incapacitated or deceased.
9. In case of Annual Corporate Frequent Travelers Policy, the maximum duration shall not exceed
60 days per trip and maximum overall period of stay outside India shall not exceed 180 days
during the policy year. The trip duration means the length of time period commencing from
the date when the Insured / Insured Person travels out of the Republic of India and ending on
the date of return of the Insured / Insured person to the Republic of India, both days inclusive,
and calculated according to Indian Standard Time.
10. Notwithstanding anything contrary to the above, if the Insured / Insured Person stays for
any period beyond 60 days period as defined above, the Insurance Companys liability will
cease immediately on expiry of such 60 days unless such period is extended by the insurance
company by issuing an endorsement to this effect before completion of trip.
11. This policy and the Overseas Mediclaim Policy Schedule shall be read together as one contract
and any wording or expression to which a specific meaning has been attached in any part of
the Overseas Mediclaim Policy and Schedule shall bear such specific meaning wherever it may
appear.
12. Dispute resolution clause and procedure: This Contract of Insurance includes the following
dispute resolution procedure which is exclusive and a material part of this Contract of
Insurance.
a) Nature of coverage: This policy is not a general health insurance policy. Coverage under
the medical expense section of this insurance is intended for use by the insured person
in the event of a sudden and unexpected sickness or accident arising when the Insured
Person is outside the Republic of India.
b) Pre-existing Exclusions: This policy is not designed to provide an indemnity in respect
of medical services, the need for which arises out of a pre-existing condition as defined
below in General Condition 12(c) in normal course of treatment. However, in any of the life
 threatening situation this exclusion shall not be applied and also that the cover will up to 8. No claim will be paid for losses arising from accidents on two wheeled motorized vehicles 8. The insurance will not cover pregnancy of the Insured Person including resulting childbirth,
the limit shown in the policy schedule. unless at the time of the accident the driver is duly qualified, is in possession of a current miscarriage, abortion or complication of any of these.
c) Pre-existing condition: The pre-existing condition means any sickness / illness, which full international Driving License and the Insured Person is wearing a safety crash helmet, or 9. RESTRICTED COVER:
existed prior to the effective date of this insurance including whether or not the insured losses arising from accidents on two wheeled motorized vehicles over 50 cc. a) The policy shall be subject to restricted cover limiting the liability of insurers under Section
person had knowledge that symptoms were related to the sickness / illness. Complication 9. No claims will be paid for losses arising directly or indirectly from manual work or hazardous
arising from a pre-existing condition will also be considered part of the pre-existing occupation, self exposure to needless peril (except in an attempt to save human life) or if A Medical Expenses/Evacuation/Repatriation where the insured person is above the age
condition. engaging in any criminal or illegal act. of 60 years. These restrictions/ limitations shall be per illness and as under :
d) Prior Consultation: Any medical services or series of services with a cost of greater BENEFITS AVAILABLE UNDER THE POLICY
than USD 100 shall not be covered by this policy unless the Insured Person consults with Without medical
SECTION A MEDICAL EXPENSES, EVACUATION AND REPATRIATION: 61-70 Above 80
April in the manner set out in the General Condition number 2. 71-80 years reports above 70
Nature of coverage: This policy is not a General Health Insurance Policy. Coverage under the years years
e) Choice of Law: The parties to this insurance policy expressly agree that the laws of the years
medical expense section of this insurance is intended for use by the Insured Person in the event
Republic of India shall govern the validity, construction, interpretation and effect of this Basic Sum Medical & Medical &
of a sudden and unexpected sickness or accident arising when the Insured Person is outside the Medical Accidental Medical Accidental
policy. Insured Accidental Accidental
Republic of India.
13. Arbitration: Any claim, controversy or dispute of any kind or nature arising out of or
This insurance will pay up to the limit of cover shown in the Schedule in total for the Insured USD 50,000 20,000 15,000 20,000
relating to this Contract of Insurance or breach thereof or to the construction, existence,
Person in respect of covered medical related expenses mentioned below, reasonably and
interpretation, meaning or validity thereof or to the operation or performance there under,
necessarily incurred outside the Republic of India by the Insured Person suffering bodily injury, USD 250,000 25,000 17,500 20,000 7500 12,500 20,000
involving any of the parties, or any one, claiming the rights of any party to this contract shall
sickness, disease or death during the period of Insurance.
be by arbitration in the Republic of India in accordance with the provisions of The Indian USD 500,000 30,000 25,000
Arbitration and Conciliation Act 1996 as amended from time to time and for the time being Notwithstanding the above, if April recommends that continued treatment in India is
in force, and it is the intent and purpose of the parties hereto, to make the submission to appropriate, the policy is extended to cover medical expenses incurred in India as specified USD 10,00,000 50,000 35,000 50,000 15,000 20,000
arbitration or any dispute or controversy arising out of this condition precedent to any legal in covered expenses described below, provided that expenses will only be paid at the usual
and customary level for such services, and further provided that expenses will only be paid for Euro 30,000 12,000 10000
or equitable action or proceeding of any nature.
treatment incurred within the 90 days period immediately following the first manifestation of the
14. Any claim under this policy that is fraudulent or if fraudulent means are used to secure Euro 60,000 18,000 12,000 5500 8000
bodily injury, sickness or disease.
payment of benefits under this policy, then such action shall render this policy null and void
and all claims hereunder shall be forfeited. COVERED EXPENSES Euro 200,000 25,000 15,000
15. No sum payable under this policy shall carry interest. The following expenses are payable only if they relate to covered sickness/injury/disease or death.
1. Expenses for physician services, hospital and medical services and local emergency medical b) Above sublimit will not be applicable if additional premium is charged for waiver of above
16. In the event of the Insured Persons death, Insurers shall have the right to carry out a post
transportation. restricted cover.
mortem at their expenses.
2. The expenses incurred for immediate relief of dental pain are covered up to the extent of c) Specific waiver for schengen and assosiate countries :
17. Any claim which has not been conclusively proven and the amount thereof substantiated 1) No restriction as above is applicable in Schengen and its associate countries
shall not be payable. the limit as shown in the schedule of the policy. However, dental care rendered necessary as
a result of a covered accident shall not be subject to the limit of cover stated in the policy 2) No medical reports up to 70 years
18. This policy is valid for air travel (Flight), waterways (Cruise Ships) and land transportation 3) For Insured above 70 years, if medical reports are not submitted, the sum insured will
schedule.
(International Carrier). be restricted to Euro 30000 or USD 50000
3. Expenses for physician ordered emergency medical evacuation, including medically
GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS 4) There is no age limit for the above mention restricted cover of Euro 30000 or USD 50000
appropriate transportation and necessary medical care en route to the nearest suitable
for Schengen and its associate countries respectively
1. No claim will be paid where the Insured Person: hospital when the insured person is critically ill or injured and no suitable local care is
a. Is traveling against the advice of a Physician; or available, subject to the prior approval of the Medical Advisors. In extreme emergency in
remote areas where April cannot be contacted, the medical evacuation must be reported to DEDUCTIBLES UNDER EACH CLAIM SHALL REMAIN SAME AS MENTIONED IN THE SCHEDULE OF
b. Is receiving or on a waiting list for specified medical treatment declared in the Physicians
the first available physician and the nearest Indian Consulate. POLICY.
report or certificate at the time of his journey; or
c. Is traveling for the purpose of obtaining treatment; or 4. Expenses for medical evacuation including transportation and medical care en route to 10. RESTRICTED COVER FOR ANNUAL PLAN
d. Has received a terminal prognosis for a medical condition. a hospital in the Republic of India or the Insured Persons normal place of residence in Insurers liability under this plan for the Insured Person between the ages of 61 years to 80 years
the Republic of India when deemed medically advisable by the Medical Advisors and the shall be limited as under for benefits under Sec. A Medical Expenses/Evacuation/Repatriation:
2. No claim will be paid arising from suicide, attempted suicide or willfully self inflicted injury
attending physician.
or illness, mental disorder, anxiety, stress or depression, venereal disease, alcoholism, No restriction as above is applicable in Schengen Countries where benefit under the policy
drunkenness or the abuse of the drugs, or any loss arising directly or indirectly from 5. If the insured Person dies outside the Republic of India, the expenses for preparing the air
transportation of the remains for repatriation to the Republic of India or up to an equivalent coverage is defined in Euro currency
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 amount for a local burial or cremation in the country where the death occurred. All expenses
must be approved by April before the remains are prepared for transportation to the Republic 61-70 yrs 71-80 Without medical reports above 61 years
Deficiency Syndrome) and/or any mutant derivative or variation thereof however caused.
of India or for local burial or cremation.
3. No claim will be paid arising from the insured person taking part in Naval, Military or Air force Basic Sum Medical & Medical &
operations. 6. Cashless Assistance can be provided on all covered ailments / diseases and accidental injuries Medical Accidental
treated on Outpatient & Inpatient basis subject to the acceptance of the hospital / service Insured Accidental Accidental
4. No claim will be paid arising from War, invasion, acts of foreign enemy, hostilities (Whether
providers and further subject to the prior approval of April International / Heritage Health TPA
war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power USD 250K 25K 17.5K
Pvt Ltd in their respective jurisdictions.
or confiscation or nationalization or requisition of or destruction of or damage to property by
or under the order of any government or local authority. 7. Expenses relating to Evacuation and Repatriation for all covered illness and injury arising USD 500K 35K 25K 12.5K 20K
out of any insured travelling to Kailash Manasarovar will be restricted to USD 5000 only per
5. This insurance does not cover any claim arising from the loss or destruction or damage to any USD 1000K 50K 35K
occurrence irrespective of the plan chosen.
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. SPECIFIC CONDITIONS: (applicable to Section A - Medical expenses and Repatriation) Euro 200K 25K 15K
a. Ionizing radiation or contamination by radioactivity from any nuclear waste from the 1. Medical, dental and transportation related claims will not be paid except at the usual 10K 15K
customary and reasonable level of charges for such services. Euro 500K 30K 20K
combustion of nuclear fuel; or
b. The radioactive, toxic, explosive or other hazardous properties of any explosive nuclear 2. All medical evacuation or transportation of remains must be approved in advance by April
assembly or nuclear component thereof. and their Medical Advisors. SECTION B PERSONAL ACCIDENT
6. No claim will be paid which arises from the insured Person engaging in Air Travel unless he or 3. No claim will be paid in respect of expenses for treatment which could reasonably be This insurance will pay as hereinafter mentioned:
she flies as a passenger on an aircraft properly licensed to carry passengers. For the purpose delayed until the Insured Persons return to Republic of India. The question of what can or
1. If at any time during the covered trip, the insured person sustains any bodily injury resulting
of this exclusion, Air Travel means being in or on, or boarding an aircraft for the purpose of what cannot be reasonably delayed will be decided jointly by the treating physician and the
solely and directly from accident caused by external, violent and visible means, then the
flying therein or alighting there from following a flight. Medical Advisors.
Insured Person or his legal personal representative (s), as the case may be, will be paid, the
7. No claim will be paid arising from the participation of the Insured Person in winter, 4. No claim will be paid that is less than the deductible stated in the Schedule. The deductible Capital Sum Insured mentioned against Personal Accident in the Schedule of this policy, if
mountaineering (where ropes or guides are customarily used), riding or driving in races or shall apply to each insured event and shall be borne by the Insured Person. such injury shall within twelve calendar months of occurrence be the sole and direct cause of:
rallies, carving or potholing, hunting or equestrian, scuba diving or other underwater activity, 5. No claim in respect of cosmetic surgery will be paid, unless such cosmetic surgery is rendered a. Death of the insured person
rafting or canoeing involving white water rapids, yachting or boating outside coastal water necessary as a result of a covered accident.
b. Permanent Total Disablement (as defined in the policy) of the Insured Person
(2 miles) and if he participates in any adventures (Professional sports or any other hazardous 6. No claims will be paid in respect of routine physical examination or any other examination
c. Total and irrecoverable loss of both eyes and two limbs or of one eye and one limb
sports) unless specifically covered by getting such extension of cover under the policy on where there is no objective indication of impairment of normal health.
Provided always that the policy will not pay under more than one of the foregoing sub clauses
payment of requisite additional premium for the same. 7. No claim will be paid in respect of medical treatment and related services obtained within
in respect of the same accident.
the Republic of India except as stated in related sections.
No claim will be paid for:
1. More than USD 2,000 in respect of death if the Insured Persons age is under 16 years; to be
calculated at the time of affecting this insurance.
2. Any claim in excess of the amount stated in the Schedule in respect of any one Insured
Person.
Accidental Death and Disability (Common Carrier)
Subsequent to the payment of additional premium as specified in the schedule, this policy is
extended to cover an additional accidental benefit apart from that is covered under Personal
Accident Section mentioned hereinabove. In the event of accidental bodily injury to the Insured
Person(s) while he/she is travelling in a common carrier such as Rail, Bus, Tram, or Aircraft,
resulting into death or loss of two eyes or loss of two limbs or loss of one eye and one limb with
12 calendar months of the date upon which Insured sustains the injury and such injury is the sole
and direct cause of Insureds death or disablement, the Insurance Company shall pay the sum
insured shown in the policy schedule subject to the exclusions mentioned hereinabove under
Personal Accident section as also in general exclusions.
SECTION C LOSS OF CHECKED IN BAGGAGE:
This insurance will pay up to the limit of cover shown in the Schedule in the event of the Insured
Person suffering total loss of Checked in Baggage by an International airline, as defined. The
insurers reserve the right to replace or pay the intrinsic value of any lost article.
The maximum amount payable per lost bag is 50% of the amount stated in the Policy Schedule
and if any covered article is lost, the maximum amount payable per article contained in any bag
is 10% of the amount stated in the Policy Schedule.
Special Conditions:
1. The amount payable in respect of any one article, pair or set is limited to the amount stated
in the Schedule.
2. In the event of loss of property whilst in the custody of a carrier, a Property Irregularity Report
(PIR) must be obtained from the carrier immediately upon discovering the loss which must be
submitted to April in the event of a claim hereunder.
3. No partial loss or damage shall become payable, However, total loss or damage of an
individual unit (s) of baggage shall not be construed as falling within this exclusion.
4. No claim will be paid for Valuable as defined in the Policy. Such items should at all times be
carried by the Insured Person and not packed as part of checked baggage. Specific Conditions
5. Any recovery from a carrier or an airline including under the terms of the Warsaw Convention,
shall become the property of insurers.
6. Proof on baggage delivery has to be submitted.
7. Purchase of new articles or items after the loss of baggage will not be covered under loss of
baggage section.
8. Any payment under section D shall be offset against any claim ultimately payable under this
section.
SECTION D-DELAY OF CHECKED IN BAGGAGE:
This insurance shall reimburse to the limit of cover shown in the Schedule for necessary
emergency purchase of replacement items that the Insured Person suffers a delay of more
than 12 hours from the scheduled arrival time at the destination for delivery of Baggage that
has been checked in by an International Airline for an international outbound flight from the
Republic of India OR the transportation expenses incurred in recovering the baggage from the
airlines
Specific Conditions:
1. A non-delivery certificate must be obtained immediately from the airline which must be
submitted to April in the event of a claim hereunder.
2. Proof of purchase and transportation must be provided for all items reimbursed under this
section.
3. Any payment under section D shall be offset against any claim ultimately payable under
Section C.
SECTION E LOSS OF PASSPORT:
In the event of the insured Person losing his/her Passport during the trip covered, this
insurance will pay up to the limit of cover shown in the Schedule for the reimbursement of
actual expenses necessarily and reasonably incurred by the Insured Person in connection with
obtaining emergency travel documents or duplicate/ fresh passport in lieu of lost passport
outside India.
Specific Exclusions:
The Company shall not be liable for the followings:
1. Loss of damage to passport due to delay or from confiscation or detention by custom, police
or other authority.
2. Theft which is not reported to any appropriate police authority within 24 hours of discovery
and an official report obtained.
3. Loss or theft of passport left unattended by the Insured Person unless while kept in a locked
hotel room or apartment when an appropriate sized safety deposit box was not available for
use by the Insured Person.
4. Visa charges due to loss of passport
5. Curtailment of trip due to loss of visa along with passport.
SECTION F PERSONAL LIABILITY:
Under this Section the Insurance Company will pay up to the limit of cover shown in the Schedule
if the Insured Person in his or her private capacity becomes legally liable to pay for accidental
bodily injury to Third Parties or accidental damage to Third Party Properties arising from an
incident during the covered trip.
Specific Conditions:
1. No claims will be paid that is less than the deductible stated in the Schedule. The deductible
shall apply to each insured event and shall be borne by the Insured Person. However, the
deductible shall apply only to claims in respect of Third Party Property Damage.
2. No claims shall be paid arising from Employers or Contractual Liability.
3. No claims shall be paid arising from liability to any members of the Insured Persons family,
traveling companion, friend or colleague.
4. No claims shall be paid for any liability arising directly or indirectly from or due to:
a. Animals belonging to the Insured Person or in their care, custody or control.
b. Any willful, malicious or unlawful act.
c. Pursuit of a trade, business or profession, employment or occupation.
d. Ownership, possession or use of vehicles, aircraft, watercraft, parachuting, hand gliding,
hot air ballooning or use of firearms.
e. With out Police report.
f. Legal costs of any proceedings that result from any criminal or illegal act.
g. Insanity, the use of any alcohol, drugs, (except as medically prescribed) or drug addiction;
h. The supply of goods or services.
i. Any form of ownership or occupation of land or building (other than occupation only of any
temporary residence.)
SECTION G HIJACK COVER:
In the event that a Carrier in which Insured is travelling is hijacked during insured trip covered
under the Policy and Insured person is not released for more than 24 hours, the Insurance
Company will pay up to the sum specified in the schedule of policy subject to the maximum limit
as specified in the Policy Schedule.
SECTION H DAILY ALLOWANCE IN CASE OF HOSPITALISATION:
IIn the event of hospitalization of the Insured / Insured Person for more than two consecutive
days due to a disease, illness or injury sustained or contracted within the period of insurance
whilst on the trip, the Company will pay to the Insured / Insured Person a daily allowance for
specified number of days as stated in the Schedule of the Policy.
This benefit can be claimed only once during the Policy period.
SECTION I BOUNCED HOTEL BOOKING:
In the event of hotel booking at destination point(s) being bounced i.e. Insured Person(s) could
not obtain hotel accommodation services already booked for him on confirmed basis with the
suppliers/ agents outside Republic of India due to non-supply of services, the Insurance Company
shall reimburse to the extent of 90% of following expenses:
a. Reasonable cost of Transportation expenses to the alternative hotel.
b. The difference of cost in up gradation to a superior class of accommodation, wherever
alternate accommodation is not available on the cost of pre-booked hotel. For this benefit
the Insured shall be required to furnish proof that the alternate accommodation on the
cost of pre-booked hotel is not available in the form of a certificate issued by the Alternate
Accommodation Service Provider.
SECTION J GOLFER HOLE IN ONE:
In the event of Insured Person being declared winner for Hole in One during the covered trip, it
is hereby agreed that the insurer shall reimburse expenses incurred in celebration of achieving
the Hole in One by the insured, anywhere in the world excluding India, in an internationally
recognized golf course, subject to maximum limit shown against this cover.
SECTION K CHILD ESCORT:
In the event of Insured Person travelling abroad with his minor children, dies during the covered
trip due to a covered illness or accident, the Insurance Company agrees to reimburse the
travelling expenses of his children aged below 17 years for return to India provided that the
children were also covered under insurers travel policy and they are not accompanied by any
other adult family member. The amount of such reimbursement will not exceed the limit as
mentioned in the Policy Schedule.
SECTION L TRIP CANCELLATION/CURTAILMENT:
In the event of cancellation / curtailment of trip due to necessary and unavoidable reasons as
stated below, the Company will indemnify the insured subject to limits shown in the schedule, for
loss of personal accommodation, visa charges, any sightseeing booked in advance, cruise ticket
and travel charges paid or contracted to be paid by the insured, which are not recoverable from
any other source,
1. Cancellation before the trip because of
a. Death of Insured / Insured spouse, children, parent or parent in laws.
b. Death of Brother or Sister of the insured 15 days prior to the departure date as stated in
the policy.
d. Serious injury, sudden sickness of Insured, insureds spouse or parent or parent in-law or
child requiring hospitalization for more than 24 hrs.
c. Compulsory quarantine or prevention of travel by Government of India
2. Curtailment (the cutting short by early return to India) of the trip because of:
a. Death, serious injury or sudden major sickness of Insured / Insured spouse, child or parents
/ parent in laws residing in India at the time of incident. (While the insured is on a trip
abroad)
b. The hijack of an aircraft in which Insured Person is traveling as a fare paying passenger.
c. Death of Brother or Sister of the insured in India.
SECTION M MISSED CONNECTIONS:
In case of the Insured Person missing a connecting flight or train or ship/cruise (due to
cancellation of service or departure, delayed departure, change of route, non-landing / docking,
offloading of passengers due to any reason including overbooking) the followings shall be
reimbursed him/her to the extent of 90% only:
a. Reasonable expenses relating to alternate transportation up to intended destination as
may be absolutely necessary by any other airline, train or surface transportation.
b. Reasonable and necessary cost of up gradation of travel ticket to a superior class of travel.
c. Reasonable and necessary expenses incurred for accommodation, food and
communication
d. Reasonable and necessary cost of up gradation of accommodation services in case where
only partial services are provided by the concerned supplier,
e. Loss of expenses incurred on sightseeing or entertainment programmes, events, sports/
games and assignment.
SECTION N TRIP DELAY:
The Insurance Company agrees to indemnify the Insured for the amount mentioned in the
Schedule of Policy ( subject to deductible as specified in the Policy ) for any one incident in
respect of delay in pre-booked flight for journey ( other than from the place/ country of Insureds
residence) due to following reasons:
1. Adverse weather condition &/or Air Traffic Congestion.
2. Riot, Strike, Industrial Action at airport or that of Airlines,
3. Accidental or Mechanical Failure or Technical problem in the Aircraft, Provided always that
a. The insured has taken every reasonable step to complete the journey to the departure
point on time, and
b. The insured shall submit to the Company sufficient proof to substantiate the cause of
delay in support of his claim.
This section of policy is also subject to following Exclusions:
1. Any departure which is delayed as a result of the insured or any other person who have
arranged to travel with failing to check in timely as required by the airlines.
2. Any delayed departure caused by strike or industrial action known to exist or was anticipated
at the time the trip was booked
3. If the air craft is taken out of service on the instruction of the Civil Aviation Authority.
4. No claim shall be payable for delay of First 6 Hrs from the schedule time of departure of Flight
i.e. 12 hrs delay will be reckoned after such 6 hrs of flights departure time only.
SECTION O HOME TO HOME ACCIDENT COVER:
If the Insured suffers Accidental Bodily Injury on the way from his residence to the International
Airport in India to start his Overseas journey or back to his residence from the International
Airport in India on his return from Overseas journey during Policy Period and if this is the sole and
direct cause of his Death or Permanent Disability within 3 months from the date of such injury,
then the Insurer will pay the Insured the percentage of the Sum Insured specified for each and
every form of condition mentioned in the table below. The Insurers maximum liability however
shall not be more than 100% of the Limit of Indemnity as stated in the schedule.
Condition Percentage of
Limit of Indemnity
Accidental Death 100%
Loss of sight of both eyes 100%
Loss of two entire hands or two entire feet 100%
Loss of one entire hand and one entire foot 100%
Loss of sight of one eye and such loss of one entire foot, or hand. 100%
Total loss of hearing of both ears & Total loss of Speech 100%
Total Loss of hearing only - both ears 60%
Total Loss of speech only 60%
Loss of thumb - both phalanges 25%
 Condition Percentage of
Limit of Indemnity
Loss of index finger -three phalanges or two phalanges or one phalanx 10%
Loss of Sight of one eye 50%
Loss of One hand 50%
Loss of One foot 50%
Terms and Conditions
1. In case of any disability not listed in the table above, the Insurer will pay a proportion
of the Sum Insured according to the degree to which the Insureds previously existing
normal functional physical capacity has been impaired, which the Insured agrees shall be as
determined by the Insurers medical advisors. (In case of any disability not listed in the table
above, the insurer will pay a proportion of Sum Insured according to the degree of disability
sustained by the Insured in comparison to normal functional capacity as certified by the
Medical advisor.)
2. In the event of Accidental death of a minor below 18 year of age, the maximum liability of
the Insurer will be 50% of limit of Indemnity as mentioned in the Schedule of Policy or to be
admitted otherwise for any partial disability.
3. The Maximum limits of reimbursement under this section is as mentioned in the Schedule
of Benefits
4. The maximum period of the cover shall be the actual period of local journey not exceeding
48 hrs. each for onward/return journey and in any case not exceeding four days in all. The
Insured shall be required to furnish adequate proof confirming the duration of such journey.
Loss wherever used herein means the permanent and total loss of functional use or complete
and permanent severance.
Permanent Disability means disability lasting 12 calendar months from the date of accident or
at the end of that period being beyond hope of improvement, whichever occurs first.
Exclusions:
The Insurer shall not be liable for any claim under this Section that is caused by or attributable
to or arises out of or is howsoever connected to any of the following:
a) Any loss resulting directly or indirectly from, any internal or external Congenital
conditions;
b) Accidental Bodily Injury due to the operation of any aircraft (other than a scheduled flight
on which the Insured travels as a fare paying passenger) or parachuting;
c) Accidental Bodily Injury due to mental or psychiatric disorders, disturbances of
consciousness, strokes, fits affecting the entire body, and pathological disturbances caused
by mental reactions;
d) Any loss resulting directly or indirectly from or contributed or aggravated or prolonged by
childbirth or from pregnancy.
e) Any loss caused directly or indirectly, wholly or partly by bacterial infections (except
phylogenic infections which shall occur through an accidental cut or wound) or any other
kind of disease;
f) Any loss caused directly or indirectly, wholly or partly due to use of intoxicating liquor or
drugs.
g) Falling under any of the General Exclusions of this policy.
h) For any loss arising or resulting from the insured person committing any breach of law.
SECTION P HOME PROTECTION :
In the event of an actual or attempted burglary &/or robbery in the Insureds residence situated
at the address given in the Policy Schedule, or usual place of resident the insurance company
will indemnify the Insured up to the limit of sum insured mentioned in the Policy Schedule, pro-
vided always that proper F.I.R. is lodged with the nearest Police Station (or as per the jurisdiction
of Police for Insureds residence) and a copy thereof is provided to Insurance Company followed
by Police Final Report confirming the loss.
SPECIFIC CONDITION
1. The cover shall incept from the date of departure of Insured from Country and shall cease on
the expiry date of policy or the return of Insured to country, whichever occurs first.
2. Claim, if any, shall be payable only for those household items which are lying in the stated
residence.
3. All claims shall be settled only on Market Value of the item lost or damaged, which existed
just prior to the occurrence
4. The cover granted is on first loss basis.
5. In case of damage to an item, this will be option of Insurance Company either to allow
Total Loss on Market Value or to allow repair cost of the same. In both the cases reasonable
salvage value shall be adjusted from the loss amount.
6. Proof of ownership need to be submit.
Exclusions
1. Gold or Silver articles, watches or jewellery or precious stones or models or coins (unless
the same are kept in a locked & secured cupboard & proper list of the same is available) or
curious, sculptures, manuscripts, rare books, plan, medals, moulds, designs, deeds, bonds,
bills of exchange, bank, treasury or promissory notes, cheque, money, securities, stamp,
collection of stamps, business books or papers.
2. Loss or damage where any inmate or member of insureds household or any other person
lawfully in the premises is concerned in actual theft or damage to any of the articles or
premises or where such loss or damage have been expedited or in any way assisted or
brought about by any such person or persons.
3. Loss or damage which is recoverable under Fire or Plate Glass or any other Policy
4. Loss or damage directly or indirectly, proximately or remotely occasioned by or which arises
out of or in connection with riot and strike, civil commotion, terrorist activities or Act of God
Perils.
5. Consequential Loss or Legal Liability of any kind.
6. Any Loss directly or indirectly caused following the use of the key of said premises or any
duplicate thereof belonging to the Insured, unless such key has been obtained by assault or
violence or any threat thereof.
CONTRIBUTION:
If at the time of happening of any loss or damage covered by this policy there shall be existing
any other insurance of any nature whatsoever covering the same risk, whether effected by
Insured or not, then the Company shall not be liable to pay or contribute more than its rate able
proportion of any loss or damage.
SUBROGATION:
The insured and any claimant under this policy shall at the expense of the Company do or concur
in doing or permit to be done all such acts and things that may be necessary or reasonably
required by the Company for the purpose of enforcing any rights and remedies or obtaining
relief or indemnity from other parties to which the Company shall be or would become entitled
or subrogated upon the Company paying or making good any loss or damage under this policy
whether such acts and things shall be or become necessary or required before or after the
Insureds indemnification by the Company.
SECTION Q OVERSEAS TRAVEL SERVICE PROVIDERS INSOLVENCY:
In the event of an Overseas Travel Service Provider who is located at the intended destination(s)
turns insolvent and the insured does not get intended service, the Insurance Company will
indemnify the Insured for the expenses incurred by Insured for which he has already booked
the tour by paying in advance. The cover shall be as under and subject always to the limit as
mentioned in the Schedule of Policy:
1. In case of re-arrangement of journey, the company will pay the reasonable cost of such
rearrangement but not exceeding the cost that the insured has already incurred for intended
d journey.
2. The rearrangement cost should be for the same standard of transportation and
accommodation as was originally booked by the Insured for intended journey.
3. In case of cancellation of journey because of non-rearrangement of Scheduled journey, the
Insurance company shall be liable only up to the extent of non-refundable cost of unused
travels for which the Insured has already paid, including agents fee for such cancellation but
limited to the amount of commission the agent had earned on pre-paid refundable amount
of cancelled travel arrangements.
4. Any additional expenses necessarily incurred on returning to Insureds home including
reasonable hotel accommodation and transport expenses
Exclusions
The Company shall not be liable for:
1. The insolvency of any travel agent, tour wholesaler, tour operator or booking agent in India.
2. Insolvency of a travel services provider if at the relevant time, the travel services provider was
insolvent or a reasonable person would have reason to expect the travel services provider
might become insolvent.
3. Claims arising directly or indirectly from war, acts of foreign enemies, hostilities or warlike
operations (whether war be declared or not), civil war, rebellion, insurrection, civil commotion
assuming the proportions of or amounting to an uprising, military or usurped power;
4. Accommodation expenses incurred after the pre-decided return date of the trip to insureds
town.
5. Any other loss falling under the General Exclusions of the Policy.
SECTION R LOSS OF INTERNATIONAL DRIVING LICENCE:
In the event of loss of Insureds International Driving License Overseas during covered trip,
Insurer will pay the amount up to the Limit of Indemnity towards the Insureds reasonable
expenses incurred in obtaining a duplicate or fresh International Driving License either overseas
or within 30 days upon return to India.
Specific Conditions
1. The limits under this section are as mentioned in the Schedule of Benefits
2. The Insurers liability to make payment is only in excess of the Deductible.
Exclusions
The Insurer shall not be liable for any claim under this Cover that is caused by or is attributable
to or arises out of or is howsoever connected to any of the following:
a) Any loss not reported to the police having jurisdiction at the place of loss within 24 hours of
the incident and a written report is obtained from the police.
b) Any loss arising from any delay, detention or confiscation by customs officials, police or other
public authorities.
c) Any loss arising from due to International Driving License left unattended or forgotten by the
Insured in the public place or public transport, hotel or apartment.
d) Any loss falling under the General Exclusions of this policy.
Procedure for making a Claim under Loss of International Driving License:
It is a condition precedent to the Insurers liability that the Proposer and/or the Insured shall
immediately:
a) Give immediate notice of loss to the Indian Administration as also expeditiously give or
arrange for the Indian.
b) Administrator to be provided with any and all information and documentation in respect of
the claim and/or the Insurers liability for it that may be requested by the Insurer or by the
Indian Administrator.
c) Report the loss to the local police authorities and obtain a written report from them in
relation to the loss and send it to the Indian Administrator.
d) Furnish all documents mentioned in the Claim Documentation of this policy.
SECTION S CAR RENTAL EXCESS INSURANCE:
In consideration of the payment of the additional premium, the insurers shall reimburse to the
Insured in respect of the Excess Amount that the Insured is obliged to pay arising from physical
loss of or damage to the rental car whilst in the Insureds control and custody during the covered
trip, up to the maximum amount of the cover as shown in the policy schedule (or equivalent in
local currency).
This policy covers the Excess Charge following the theft or damage to Rental car including the
undercarriage, windows and tyres.
The insurers will also reimburse to the Insured for the costs of followings for which the Insured is
liable in case of insured event:
CAR RENTAL KEY COVER: Replacing a lost or stolen rental car key, including replacement of locks
and locksmith charges up to 20% of limit of indemnity under this section.
MISFUELING COVER: Cleaning out the engine and fuel system and associated towing costs up to
20% of the limit of indemnity as mentioned in the schedule, in case the Insured put wrong type
of fuel in its rented vehicle,
TOWING COSTS COVER:Towing or recovery costs following an accident or breakdown involving
the Rental Vehicle, up to a maximum of 20% of the limit of indemnity under this section.
UNDER NO CIRCUMSTANCES THE TOTAL PAYMENT FOR ALL ABOVE CONTINGENCIES SHALL
EXCEED THE LIMIT AS SHOWN IN THE SCHEDULE OF POLICY UNDER THIS SECTION.
Specific Conditions:
1. All insured drivers must hold a valid and effective driving license, or hold a full
internationally recognized license which must be effective at the time of incident.
2. Except with the written consent of the insurers, no person is entitled to admit liability on
their behalf or to give any representations or other undertakings binding upon them. The
insurer shall be entitled to the absolute conduct, control and settlement of all proceedings
arising out of or in connection with claims in the name of the insured person.
3. The insurers may at their option take proceedings in the name of the insured person to
recover compensation from any Third party in respect of any indemnity provided under this
insurance and any amounts so recovered shall belong to the insurers and the insured person
shall render all reasonable assistance to the insurers.
4. The cover under this section will incept from the time the Insured Person takes legal control
of Rental Car and will cease at the time Rental Agency assumes back control of rented car,
subject always to the condition that the custody of such rental car with the Insured Person is
during the period of his covered Trip only.
Exclusions:
The Insurance Company shall not be liable in respect of any claim made of:
1. Loss or destruction of or damage to any property whatsoever, or any liability, loss or exposure
whatsoever resulting or arising there from or any consequential loss directly or indirectly
caused by or contributed to or arising from (a) ionizing radiation or contamination by
radioactivity from any
2. Nuclear fuel or any waste and the combustion of nuclear fuel or (b) the radioactive toxic
explosive or other hazardous properties or any explosive nuclear assembly or nuclear
component thereof.
3. Operation of the vehicle in violation of the terms of the rental agreement.
4. Automobiles, or other vehicles, which are not rental vehicles and not rented from a licensed
rental agency.
5. The rental of certain vehicles namely, motor homes, trailers or caravans, vans, trucks, non-
passenger carrying vehicles, vehicles that carry more than 9 people including the driver,
motorcycles, mopeds, motorbikes, off-road vehicles and recreational vehicles.
6. Expenses reimbursed by the insured persons employers Insurer.
7. Applicable to car rental key cover replacement of locks when only the parts need to be
changed.
8. Applicable to misfueling cover repair or replacement of any mechanical part or damage
to engine arising from the use of the incorrect fuel, i.e. only cleaning charges are payable
under this section.
SECTION T LOSS OF LAPTOP/TAB:
In the event of loss of insureds laptop/Tab due to theft only during the covered trip, the
Insurers will indemnify the loss as detailed below. The loss has to occur out of the Republic
of India while the Insured is on his journey for intended destination(s) or during stay there.
The insured must complain to the police within 24 hours of incident of theft and seek the
complaint copy in writing from them along with the circumstances of loss. The insurance
company will then reimburse subject to the limit shown in the schedule of policy as under:
1. Wherever the Insured submits the proof of purchase of Laptop/Tab The replacement cost
less depreciation @ 15% p.a. or part thereof subject to maximum depreciation of 70% (Up
to 5 years and no amount is payable thereafter)
2. The insured is required to substantiate the loss by providing proof of ownership of laptop
i.e. submission of purchase bill or authorized custody of the same, if it is provided by his
employer/business organization.
3. The insured must take reasonable care to protect his/her laptop/Tab and under no
circumstances be exposed to any opportunity of being stolen or lost
Exclusions:
1. The Laptop/Tab should not be left unattended by the insured.
2. The Laptop/Tab should not be packed in the cargo baggage which is handed over to the
airline for sending it to the cargo hold.
3. Lost accessories of the laptop will not be covered in the policy.
4. Damage due to mishandling by insured or any other party is not covered under the policy.
5. Pilferage done to the Laptop/Tab or damage due to spilling of fluid or repairs to the
internal hardware or software or chargers or its accessories.
SECTION U SUBSTITUTE EMPLOYEE:
If an Insured Person suffers an Illness or Accident during the Policy Period that requires his
hospitalization, then the Insurance Company will reimburse the cost of an economy class
return air fare to send a substitute person to occupy the post and continue job responsibility
for which the Insured Person was travelling, provided that the Insurance Company is satisfied
that:
1. The Insured Persons Hospitalization lasts for a period of at least 7 consecutive days from
the date of the Accident or Illness and this is established by a Doctors certificate and
Discharge Summary, and
2. The Insured Persons travel was for a pre-arranged specific and specified business
purpose.
Special Conditions
1. The substitute employee must commence his journey within 30 days from the date of
Hospitalization of the Insured Person.
2. The Insured must have the same contractual relationship with the substitute employee.
SECTION V COMPASSIONATE VISIT:
In the event of the Insured who travelled alone and being hospitalized on account of any
major illness for more than seven (7) consecutive days and also where his medical condition
forbids him for repatriation, the Company shall reimburse the expenses of visit of one
Immediate family Member up to the amount stated in the Schedule of Policy subject to the
following terms:
Terms and Conditions
The company or April International after obtaining confirmation of need for a companion
from Medical Advisors will provide round trip economy class air fare or 1st Class railway fare
to one Immediate Family Member to be at his beside for duration of his stay in the hospital
during covered trip.
The company will also reimburse the cost of stay of said immediate family member up to
the amount to maximum of USD 100 per night subject to the limit as stated in the Policy
Schedule.
Exclusion
The benefit under this extension does not allow the Insured to claim any other loss, directly
or indirectly, in whole or in part of what so ever in nature including any loss caused by
or resulting from any exclusion mentioned in any of the Section of the Policy or General
Exclusions.
SECTION W-TRAVEL INCONVENIENCE COVER:
In the event of Trip cancellation or Interruption of a covered trip due to necessary and
unavoidable reasons as stated below, the Company will indemnify the insured subject to the
limits shown in the policy schedule, for loss of personal accommodation, any sightseeing
booked in advance, cruise ticket and travel charges paid or contracted to be paid by the
insured, which are not recoverable from any other source.
1. When Insureds Principal residence and/or his intended place of stay at destination is
rendered uninhabitable due to Fire, flood, vandalism or natural disaster and also his place
of business is rendered inoperative due to operation of said perils.
2. Termination of employment or layoff affecting the insured provided that the insured have
been employed with the same employer for at least five continuous years without any
break.
3. The Insured and/or his immediate family member have become victim of Felonious
Assault 10 days prior to the departure date provided he/they are not principal or an
accessory in such felonious assault.
4. Inclement weather / climatic condition in the city or primary place of departure and / or at
intended destination.
5. Civil Unrest, Riot and Strike in the home city and/or at departing station and/or intended
destination (as defined in the policy) of the Insured making the trip impossible, provided
that
The Govt. of India issues a travel advisory.
Airport is shut down forcing the Airline to delay the flight for more than 24 hours or extent of Sum Insured as mentioned in the Schedule of Policy on the following terms and
to cancel the flight.
Curfew is imposed by the City Administration.
6. Terrorist Attack in the home city and/or at departing station and/or destination listed on
the insureds itinerary 3 days prior to the Insureds departure date and resulting that the
Insured is unable to move out consequent upon such terrorist attack.
BENEFITS UNDER THE POLICY:
1. TRIP CANCELLATION BENEFITS: When the insured risk occurs before departure, the
policy provides payment of the entire non-refundable, cancelled portion of the travel
arrangements (As per coverages shown in the policy schedule) i.e. Flight and/or Hotel
Booking and/or other incidental expenses for which the insured has or contracted to
be paid prior to his departure and which are not recoverable from any source, subject
otherwise to the terms, conditions, limitations, exclusions and limit of Sum Insured opted
under the Policy.
2. TRIP INTERRUPTION BENEFIT: The Company will pay this benefit up to the Maximum Limit
as specified in the Policy Schedule for the Trips that have been interrupted or delayed due
to operation of Insured Peril as mentioned hereinabove. The company will reimburse for
the forfeited, non-refundable unused prepaid expenses made prior to Insureds departure
date and additional reasonable and necessary transportation expenses incurred by him /
her plus accommodation expenses maximum up to $100 per night for
Return to Republic of India
Rejoining the remaining trip after its interruption during the period of trip. Due to
operation of any of the insured peril.
SPECIFIC EXCLUSION
a. Travel arrangements being cancelled or changed by any airline, cruise line or the tour
operator beyond insured peril
b. Voluntary changes in travel plans by the Insured giving rise to a claim under this section.
c. Any business or contractual obligations of the Insured and/or any family member except
for termination or lay off of employment as defined above provided insured is not the
Owner, proprietor, Majority Shareholder and Director of the said company.
d. Termination of employment due to any unlawful act of the insured.
e. Default / insolvency by and of the person, agency or tour operator from whom the Insured
had bought his Travel arrangements.
f. Any governmental regulations or prohibition imposed by any Administrative Authority at
the time or before booking of insureds travel arrangement.
g. Booking of the trip is undertaken ignoring the adverse situation as published by the Mass
Media, Union Government, State Government and/or any Administrative Authority for
travel to particular country or part of the country which may give rise to a claim.
h. Loss of visa charges shall not be paid under this section.
SPECIFIC CONDITIONS
a) It is a condition precedent to liability hereunder that in the event of any occurrence likely
to give rise to a claim under this Insurance, that the Insured Person must notify insurer
immediately. While notifying the occurrence, the insured person must quote as much as
information concerning the occurrence as is available including policy number and its
date of issue.
b) It shall be the responsibility of Insured to take appropriate action to avoid or minimize
any potential claim under policy (e.g. avoid intentional delay during interruption or not to
travel to the country or part thereof for which warning has been issued.)
c) The insured must not be aware of any reason (as stated in the list of covered risks) at the
time of opting of this extension that may give rise to a claim under the policy.
d) The companys liability shall be restricted to the sum insured opted by the Insured or the
sum of total non-refundable amount whichever is less.
e) In case of partial cancellation of the trip, i.e. if only one or two members trip is cancelled
on account of operation of Insured peril, the companys liability shall be restricted to the
non-refundable portion of insureds travel tickets only and not for Hotel Charges unless
exclusive booking was made for each member. No partial charges of Hotel Booking for
reduction in number of members will be allowed in such cases.
f) If the situation becomes normal against the alert of Quarantine issued earlier by the
Govt. of India or if the prevention of travel is withdrawn by Govt. of India before the
departure date mention in the schedule of policy and this information is available for the
knowledge of General Public through any communication, the company shall not be liable
for any claim in respect of such perils.
g) Operation of any of insured peril shall be considered only at the time of travel for all
practical purposes in settlement of claims.
SECTION X - TRAVEL LOAN SECURE:
The Policy is also extended to cover Travel Loan Taken by Insured from NBFC / Bank to the
conditions:
SCOPE OF COVER:
The cover is provided for repayment of outstanding amount of loan taken by the Principal
Applicant / Insured ( wherever applicable) for travel and trip arrangement only, to the extent
of the Sum Insured as mentioned in the Schedule of Policy if he meets with an accident
during the period of trip as mentioned in the schedule of policy, resulting into Principal
Applicant / Insureds death and or permanent total disablement within a period of 180 days
from the date of such bodily injury and such bodily injury is the sole and direct cause of his
death or permanent total disablement, provided always that the Insured has assigned the
benefits under this Section of the Policy in favour of the commercial bank / licensed financial
institution, which are in the trade of granting such travel loans. The limit of such repayment
of loan shall be restricted to outstanding amount of loan as on the date of death of the
Insured.
SPECIFIC CONDITIONS:
This section does not cover the loan taken from any individual / firm / non-financial
institution (including his/her own firm / company) other than Commercial Bank /licensed
financial institutions.
SPECIFIC EXCLUSION:
No claim under this section would be paid if the death is due to or caused by
1. Any loss falling under general exclusion of the policy
2. Directly or indirectly caused by contributed to or aggravated or prolonged by childbirth
or pregnancy or in consequence thereof,
3. Due to participation in winter sports, skydiving, parachuting, hang gliding, bungee
jumping, scuba diving, mountain climbing, riding or driving in races or rallies using
a motorized vehicle or bicycle, caving or pot holing, hunting or equestrian activities,
skiing, diving or other underwater activity, rafting or canoeing involving white water
rapids, yachting or boating outside coastal waters ( 2 miles), participation in any
Professional Sports, any bodily contact sport or any other hazardous or potentially
dangerous sports.
SECTION Y PRE-EXISTING COVER:
On Insured agreeing for payment of additional premium as shown in the schedule of policy,
all expenses incurred on any unexpected / unavoidable hospitalization related with insureds
pre-existing disease, directly or indirectly shall be payable to the extent of limit shown in the
Schedule of Policy subject to the terms, conditions, exceptions and limitations as laid down
under Sec.A of this Policy. However this benefit is available to Insured up to the age of 70
years only.
Note: For the purpose of availing benefit under this section, the General Condition Number
12(b) shall not be applied for this policy.
Exclusions:
Following expenses are not payable under the policy
a) Any sickness for which the insured person has taken medical treatment in the preceding
12 months prior to the commencement of the policy.
b) Any complication arising out of any surgery / repair of injury or likewise treatment taken
during preceding 12 months prior to commencement of the policy.
c) Expenses incurred on hospitalization for any diseases or surgery which was already
diagnosed prior to departure and for which insured medical advisor has recommended
due treatment / surgery prior to his departure.
d) Expenses incurred in removal or up gradation of any implants already placed inside /
outside of body of the insured.
e) Dental problem of any kind,
f) Stone Removal of any site,
g) Hernia, Piles, Cataract, Hydrocele, Fistula in Anus, Tonsillitis
h) Expenses in respect of any such treatment initiated in abroad which is to be continued on
return to Republic of India.
SECTION Z - CRUISE COVER:
Z - 1. Missed Port Departure
In consideration of an additional premium paid by the Insured and shown in the policy, the
Insurance Company agrees to pay up to the amount shown in the table of benefits of policy
schedule for reasonable additional accommodation (room only) and travel expenses
necessarily incurred in joining the cruise ship journey at the next docking port if insured fails
to arrive at the international departure point in time to board the ship on which he has
booked to travel on the initial international journey of his trip as a result of:
a) The failure of scheduled public transport;
b) An accident to or breakdown of the vehicle in which he is travelling;
c) An accident or breakdown occurring ahead of him on a motorway or dual carriageway
which causes an unexpected delay to the vehicle in which Insured is travelling; or
d) Strike, industrial action or adverse weather conditions.
SPECIFIC EXCLUSIONS
1. Claims arising directly or indirectly from:
a) Strike or industrial action or air traffic control delay existing or publicly declared by the
date this insurance is purchased by you or the date your trip was booked whichever is the
later;
b) An accident to or breakdown of the vehicle in which you are travelling for which a
professional repairers report is not provided;
c) Breakdown of any vehicle in which you are travelling if the vehicle is owned by you
and has not been serviced properly and maintained in accordance with manufacturers
instructions; or
d) Withdrawal from service (temporary or otherwise) of an aircraft or sea vessel on the
recommendation of the Civil Aviation Authority or a Port Authority or any such regulatory
body in a country to/from which you are travelling.
2. Additional expenses where the scheduled public transport operator has offered
reasonable alternative travel arrangements.
3. Additional expenses where your planned arrival time at the port is less than 3 hours in
advance of the sail departure time if you are travelling independently and not part of an
integrated cruise package.
4. Anything mentioned in the General exclusions
Specific Condition
1. In the event of a claim arising from any delay arising out of traffic congestion obtain
written confirmation from the Police or emergency breakdown services of the location,
reason for and duration of the delay.
2. Allow sufficient time for the scheduled public transport or other transport to arrive on
schedule time and to deliver you to the departure point.
Z - 2. UNUSED EXCURSIONS:
The Insurance Company agrees to pay up to the amount shown in the table of benefits of
policy schedule for the cost of pre-booked excursions, which you were unable to use and
which are not refundable from any other source as a direct result of being confined by the
medical officer on the ship to your own cabin due to an accident or illness which is covered
under Medical section A and other expenses.
Z - 3. CRUISE INTERRUPTION:
We will pay up to the amount shown in the table of benefits as shown in the policy schedule
for additional travel expenses incurred to reach the next port in order to re-join the cruise,
following your temporary illness requiring hospital treatment on dry land, provided you
submit a certificate from the medical practitioner in attendance to confirm the details of your
unforeseen illness or injury. The market value (i.e. replacement cost less appropriate depreciation as per the age of
Specific exclusions equipment) of Insureds own or hired Golf Equipment and/or its accessories subject to the
a) Claims where less than 25% of the trip duration remains. limit as shown in the policy, when the same are lost due to theft or damaged during the
entire trip.
b) Any claim arising directly or indirectly from a known medical condition prior to departure
Exclusions:
c) Anything mentioned in the General Exclusion
1. Following losses are not covered under the policy :
SECTION A A - MUGGING BENEFITS:
a) Any loss due to theft or damage to your golfing equipment and accessories during
We will pay up to the amount shown in the table of benefits if you are Mugged in country
insureds entire journey if he does not get a written PIR (Property Irregularity Report)
in which you are traveling. A mugging is a violent, unprovoked attack by someone not insured issued by the airline. For the purpose he shall be required to lodge the complaint with
on this policy which results in physical bodily injury, as shown in the police report. the airline immediately.
EXCLUSION OF THE COVER: b) Loss to golfing equipment and accessories at any other time if insured does not report
No claim will be paid if the incident is not reported to the local police within 24 hours of the the loss or theft to the local police within 24hrs of discovering it and get a written
assault and if no such report is obtained. police report from them.
SECTION A B - DEBIT / CREDIT CARD FRAUD: c) Loss or damage caused by delay, wear and tear, moths, vermin, weather and
In consideration of additional premium paid by the insured and shown in the policy schedule, atmospheric conditions or mechanical failure.
the Insurance Company agrees to pay up to the amount shown in the Policy Schedule in d) Loss or damage to golfing equipment and accessories left unattended at any place.
respect of financial loss, arising out of fraudulent utilization of lost or stolen credit card e) Any loss or damage to the property due to confiscation or detention by any authority
of the Insured Person from the date such debit / credit card is reported lost till the date of other than airline.
lot listing f) Any loss falling under the General Exclusions of the Policy
provided such loss occurs during the period of Insurance when the Insured Person is on 2. Any amount of loss which is refundable from any other source whatsoever it may be.
foreign trip. Conditions applying for the claim:
Specific Conditions: a) The Insured must keep the damaged property for inspection of the insurer or its
authorized representative at any time after the loss is reported to the insurer.
1. All claim under this section shall be payable in India and in Indian Rupees only.
2. Any suit or legal proceedings against the Company under this section shall be filed and b) The Insured shall be required to surrender the said damaged property to the insurer on
demand by them at the time of final settlement of the claim or shall agree to deduct an
instituted in the court having jurisdiction in India only.
appropriate salvage value from the claim amount admissible at the option of the insurers.
3. Each insured person must take all reasonable steps to avoid any loss, damage or expense.
c) If the claim involves a part of a set of Property, the insurer liability shall be limited to the
Exclusions
value of that part which has been damaged or lost during the trip.
a) Any financial loss up to the amount of deductible as shown in the Policy Schedule.
d) Receipts for items lost, stolen or damaged or proof of ownership should be preserved
b) Claims where Insured can or could have recovered his losses from any other source. properly so as to the Insured to substantiate his claim.
c) Claims where the cards reporting of loss procedures have not been followed immediately e) The insured shall preserve all his recovery rights against the Third Party and shall be
of its knowledge. required to subrogate the same to the insurer at the time of settlement of claim.
d) Any costs incurred in procurement of new card.
e) Any claim, arising out of any contractual liability
f) Any claim arising out of a loss where the Insured and/or Insured Person and/or his family
member and/or business staff is involved as principal/accomplice.
g) Any loss falling under the general exclusions of Policy.
h) Any consequential loss of whatsoever nature.
i) Any liability due to misuse of card occurring after date of intimation to the merchant
establishment by the Insured through the Hot Card Bulletin.
j) Any claim where loss is not notified to the local police immediately of its knowledge.
k) The Company shall not be liable to make any payment under this Policy in respect of
any claim, if such claim be in any manner Fraudulent or supported by any fraudulent
statement or device, whether by the Insured Person or by any person acting on behalf
of the Insured Person.
SECTION A C - PET CARE:
In consideration of additional premium paid by the Insured and shown in the Policy, the
Insurance Company agrees to pay up to the amount shown in policy schedule for extra
charge for kennel or cattery to be paid to Outside Agency if Insureds final booked return
journey to India by aircraft, sea vessel, coach or train is delayed for more than 24hrs due
inclement weather, strike, industrial action or mechanical breakdown.
Under such circumstances the Insured shall be required to obtain written confirmation from
appropriate transport company or authority stating the reason for delay & how long the delay
lasted. Insured must keep all receipts for extra kennel or cattery fees paid on account of such
delay
Exclusions:
a) Any Kennel or cattery fees paid outside India as a reason of quarantine regulation.
b) Any claims where you have not checked in for your trip at your final International
departure on or before recommended time.
c) Any expenses incurred on account of mishandling and/or improper care of pet by the said
agency.
SECTION A D - GOLF EQUIPMENT COVER:
In consideration of additional premium paid by the Insured, the policy is extended to cover
following benefits whilst the Insured Person is on an Overseas Trip