Medical Expenses (inclusive of repatriation and emergency medical evacuation)

This cover will reimburse for the expenses incurred for availing immediate medical assistance required on account of any illness or injury sustained or contracted whilst on a trip abroad but not exceeding the Sum Insured for the coverage as agreed under the Plan.

Dental Care Expenses

This cover will reimburse for the expenses incurred in respect acute anesthetic treatment of a natural tooth or teeth during a trip, but not exceeding the Sum Insured as specified in the policy wordings.

Compassionate Visit

In case the insured person is hospitalized for more than seven consecutive days then he can claim for the below mentioned expenses:

1. A return trip economy class air ticket, or first class railway ticket, to allow one immediate family member, to be at his/ her bedside for the duration of stay in the Hospital; and
2. Expenses towards stay of the immediate family member during such compassionate visit

This section also provides for the reimbursement of the cost of return fare for the insured to visit his/her native place in India, in the unfortunate event of the immediate family member (spouse, dependent children, parents) being hospitalized for more than seven consecutive days in India or in the event of death of the immediate family member (spouse, dependent children or parents).

Personal Accident

This cover shall compensate the Insured or his/her nominee or legal representatives, as the case may be, for accidental bodily injury (whilst on a trip covered by this Policy) solely and directly caused by accidental, violent, external and visible means resulting in death or Permanent Total Disablement or Permanent Partial Disablement within 12 calendar months of occurrence of such injury.

Accidental Death and Permanent Total Disablement

This cover will pay compensation up to the limit of the Sum Insured for this benefit as specified in the policy wordings if accidental injury to the Insured results in loss of life or permanent total disablement while riding as a passenger (but not as a pilot operator or member of the crew) in a common carrier.

Daily Allowances in case of Hospitalization

This cover will pay a daily allowance, in the event of hospitalization of the insured beyond a specified number of days as mentioned in the policy wording as deductible, for which a valid claim is admissible under the policy whilst on trip abroad.

Trip Delay

Re-imbursement of additional expenses incurred if your trip is delayed for more than specified number of hours, as mentioned in the Policy Wordings, due to airline problems, medical problems, personal employment problems or natural disasters.

Missed Connection

Provides payment of a fixed allowance towards additional expenses incurred in case of the Insured missing the connecting flight due to cancellation of incoming scheduled flight, beyond 3 hours in the event of inclement weather causing such cancellation.

Loss of Passport/Documents

Provides reimbursement of actual expenses incurred for obtaining a duplicate or fresh passport, traveller’s cheque or other such documents in the event of its loss.

Total Loss of checked - in Baggage

Covers total loss of checked baggage caused by a common carrier (i.e. airline, coach operator, Ferry Company etc.) Valuables, if any, can also be covered if declared specifically and agreed to by the Insurer.

Delay of checked - in Baggage

Provides compensation for reasonable expenses incurred for the purchases of toiletries, clothing and medication due to a delay of checked-in baggage for specified number of hours, as mentioned in the Policy Wordings.

Trip Cancellation and Interruption

This cover shall compensate the Insured, subject to limit of sum Insured, if a trip is cancelled or interrupted due to any of the following reasons:

• Unforeseen disease, illness, injury, or death of the Insured’s family member. Disease, injury or illness must be so disabling as to reasonably cause a trip to be cancelled or interrupted as supported by medical records and opinion acceptable to the Company
• Termination of employment or layoff affecting the Insured or the travelling companion of the Insured, provided that the Insured or the travelling companion, as the case may be, have been employed with the employer for at least three continuous years
• Inclement weather conditions causing cancellation or interruption of the trip with due authentication by a letter from the common carrier
• The place intended to be occupied by the Insured/ Insured Person for purposes of his or her stay during the trip or the destination being made uninhabitable by fire, flood, vandalism, burglary, or such natural disaster
• The insured being abducted or quarantined
• The Insured or a travelling companion being the victim of a felonious assault within 10 days prior to the departure date, provided that the Insured/ Insured Person (including any member of their family) or the travelling companion (including any member of travelling companion's family) is/are not principal or accessory in such felonious assault

Home Fire Insurance – Content

This cover provides for indemnity, against any loss, destruction or damage to the contents of the Insured's home in India caused by any of the fire and related perils specified hereunder whilst the Insured is on a trip abroad covered up to a specified limit as mentioned in the policy wordings.

Home Burglary Insurance – Content

This cover provides for indemnity, against any loss, destruction or damage to the contents of the Insured's home in India caused by burglary and/or housebreaking specified hereunder whilst the Insured is on a trip abroad covered up to a specified limit as mentioned in the policy wordings.

Hijack Distress Allowance

This cover provides for payment of an allowance in the event of hijack of a common carrier in which the Insured/ Insured Person is traveling on a trip covered under this Policy as specified in the policy wordings.

Personal Liability

Provides compensation for third party liability payable to a third party in case of injury or damage to property of third party that is caused by insured.

Loss of Deposit or cancellation – Hotel and Airline

This cover will compensate the insured against the loss of irrevocable deposits or charges paid in advance or contracted to be paid in the event of necessary and unavoidable cancellation of Hotel and Airline booking arrangement which is beyond the control of the Insured up to a specified limit as mentioned in the policy wordings. This cover is only applicable for USD 250,000 and USD 500,000.

Overbooked Flight

This cover will reimburse for the expenses made by the insured for the purchase of new ticket or hotel booking up to a specified limit as mentioned in the policy wordings if the insured is denied boarding of an aircraft on a commercial scheduled flight due to over-booking, and no alternative transportation is made available within 12 hours of the scheduled departure time of such flight. This cover is only applicable for USD 250,000 and USD 500,000.

Legal Expenses

This cover shall pay the legal costs and expenses incurred by the insured or the legal representative of the insured, as the case may be, towards claims for from third parties for compensation for accidental death or disablement arising due to an injury, whilst on a trip abroad, up to the limits specified in the Policy wordings. This cover is only applicable for USD 250,000 and USD 500,000.

Pet Care

This cover provides for payment of medical expenses including fees for the Veterinary Medical Practitioner's fees towards the medical care and treatment of the pet animal (limited to cat or dog) of the insured arising due to an injury sustained whilst under the care of a friend, relative, house servant, other family members of the house or a professional carrier in India during the insured's trip abroad, covered under this Policy. This cover is only applicable for USD 250,000 and USD 500,000.

Emergency Accommodation

This cover provides for payment of compensation for the additional cost of emergency accommodation if the Insured/Insured Person could not stay in the accommodation originally booked due to fire, flood, earthquake, storm, hurricane, explosion, outbreak of major infectious diseases. This cover is only applicable for USD 250,000 and USD 500,000.

Bail Bond

This cover will provide the payment of bail amount to the appropriate authority/court on behalf of the Insured/ Insured Person if the Insured/ Insured Person is arrested or detained by Police or Judicial authorities, for any bailable offence whilst on a trip abroad covered by this policy up to the limits specified in the policy wordings. This cover is only applicable for USD 250,000 and USD 500,000.