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Why does one require Travel Insurance?

Travel Insurance provides you and your family medical, financial and other assistance in case of an emergency or untoward circumstances while travelling on an International Trip

No matter what you are: a business traveler or a leisure traveler: you are now safer with Overseas Travel Insurance which protects you from unfortunate events such as loss or delay in checked baggage, passport loss, a medical emergency or an Accident

Insure your trip and enjoy a hassle free journey

What are the available plans with USGIC?

USGIC provides coverages for Individual&Family, Daily Rated, AnnualMulti trip, StudentTravel, Travel Asiawith various Sum Insured options to choose from

What are the eligibility criterias?

Age limit of 0 months to 70 years (both inclusive) – completed age as on policy inception

What is the minimum period for a trip to be insured?

Our Travel Plans provide coverage to travel trips as short as 1- 4 days.

Does one have to go through any medical examination?

No, there is no medical examination required upto the age of 60 years

Does the Policy cover preexisting disease?

This policy does not cover pre-existing diseases. A ‘Pre-Existing Illness’ is one with which the person is already suffering from before he buys the policy

Is Travel Insurance mandatory?

Travel Insurance is not mandatory in India. However it is mandatory in UK and countries like Austria, Greece, Portugal, Spain, France, Germany, Belgium, Luxemdurg, Netherlands

However for a safe and peaceful trip,we recommend that you have to take a Travel insurance policy even if you are travelling to countries apart from these.

Can the Policy be cancelled?

The policy may be cancelled via request on Email/Fax, The intimation of policy cancellation has to reach us latest upto 14 days from the inception date of the policy. If the policy has already incepted, a copy of all 40 pages of the passport needs to be submitted as a proof that the journey has not been undertaken

Whom to contact in case of a claim / Hospitalization on the Policy?

You may contact our service provider while you are abroad as per below given table;

Jurisdiction Worldwide coverage for Medical & Travel related assistance Falck TPA
TPA Falck India Pvt Ltd  
Location of centre Haryana, India  
Address

Falck India Pvt Ltd

Upper Floor

The Peach Tree, Block – C

Sushant Lok – I

Sector 43, Gurugram

Haryana – 122015
 
Toll-Free Numbers for assistance 18775367264  
Other Telephone Numbers +91 1244498766  
Fax Numbers  +91 1244006674  
Email id UniversalSompo@falck.com  
Website www.falck.com  

Where can one avail the claim forms?

On registration of a claim, claim form will be forwarded to by mail, email or fax along with the intimation for the various documents required. The form is also available on our website

Where can I get the list of Hospitals extending Cash Facility?

There are no standard lists of Hospitals. The Insured needs to intimate our Service provider provided on Policy document immediately on admission.

Will the claims be settled on return to India?

Except in the case of Hospitalization, claims are settled once the Insured is back in India

Is Emergency financial assistance provided?

In the event of you getting into a financial emergency due to theft, pilferage, robbery, dacoity of your travel funds, we will pay up to the amount stipulated in the Schedule. This is an assistance provided by the company through the service provider.

Is loss of passport covered?

Yes, In the event that the passport belonging to You is lost, We will pay up to the limit stipulated in the Policy Schedule for the reimbursement of actual expenses necessarily and reasonably incurred in connection with obtaining a duplicate or fresh passport.

Does the Policy cover Loss of Cash/Credit Card?

The Company shall not be liable to pay any benefit in respect of loss of cash, bank or currency notes, cheques, debit or credit cards

What is covered under the benefit of Delay of Checked baggage?

This benefit will provide up to the limit of cover shown in the Schedule for costs of necessary emergency purchases of essential items in the event of You suffering a temporaryloss of Your checked-in baggage while being transported during the journey caused by a carrier subject to terms mentioned in policy wordings

What does Medical Repatriation cover?

Medical Repatriation means arrangement for transportation required to move an insured to his/her country of residence following an emergency

What is the benefit under Hijack distress Allowance?

In the event of air or sea common carrier in which You are travelling, being hijacked on the trip abroad during the Period of Insurance for more than 12 hours, and the journey is interrupted, then We will pay US $ 125 to You for each day up to the maximum limit mentioned in the Schedule.