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Salient Feature

This is a Policy for the persons undertaking Overseas Travel. The Policy provides cover for emergency medical expenses incurred in relation to bodily injury, sickness, disease or death outside Republic of India and for repatriation of the Insured person during the period of Insurance. It also provides for personal accident and other travel related losses such as loss of checked baggage, loss of passport etc.

Eligibility

Minimum Entry age for you (the proposer) is 18 years

Maximum entry age under the Policy for all is 70 years

A person may be enrolled under the Policy from day 1 to 70 years of age only except for Student Travel in which enrolment age is from 16 years to 35 years.

Pre –Acceptance Medical Checkup*-If the proposer is above 60 years, then the following medical test reports should be obtained from him/her before acceptance of the risk (Pre-policy Health Check Up Cost will be borne by the Insured):

ECG Printout with report (ECG to be carried out by cardiologists)

Fasting and blood sugar and urine sugar or urine strip test report etc

A Doctor’s Certificate is to be completed and signed by a Doctor with minimum M.D. qualifications conducting the test.

Note: ♣In the absence of such medical tests and reports due to a shortage of time before travel, cover may still be granted subject to a satisfactory Proposal Form but the Sum Insured under the Policy, in respect of expenses incurred for the treatment of illness of disease shall be restricted to US $ 10,000 only. In case of accident, however, the full Sum Insured would be available.

Coverage

SECTION 1: HEALTH COVER
WHAT IS COVERED WHAT IS NOT COVERED

If You fall ill or contact any disease or sustain an accident whilst abroad during the Period of Insurance, then We will reimburse the following costs:

1. MedicalExpenses:Costs incurred for Medically during a temporary abroad less the deductible stated in the Schedule. Within the meaning of these coverage’s, treatment is deemed to include only the following :

a) Out-patient treatment.

b) In patient treatment in a local hospital at the place You are staying or at the nearest suitable hospital.

c) Medical aid that is necessary as part of the treatment for broken limbs or injuries (e.g.plaster casts,bandages and walking aids) prescribed by a physician.

d) Radiotherapy, heat therapy or phototherapy and other such treatment prescribed by a physician.

e) X-Ray, Diagnostic tests.

f) Cost of transportation including necessary medical care enroute by recognized emergency services for medical attention at the nearest hospital or from the nearest available physician.

g) Cost of being transferred to a special clinic if this is Medically Necessary and prescribed by a Physician.

h) Life saving unforeseen emergency measures or measures solely designed to relieve acute pain provided to You by medical assistance for disease / accident including their consequences arising out of a pre-existing condition. This coverage is specifically subject to General Exclusions (2) of this Policy and will not include “Transportation” described in Item 3 of “What Is Covered” of Section 1 of the Health Cover of this Policy.

2. Dentaltreatment:In principle for only acute anesthetic treatment of a natural tooth or teeth upto the maximum limit shown in the Schedule. However dental treatment rendered necessary as a result of a covered accident shall be up to the maximum limit of medical expenses and deductible shown in the Schedule.

3. Medical Repatriation:

(a) Extra costs of Medically Necessary and prescribed transportation from the foreign country to Your permanent country of residence provided that -

1. Extra costs in the event of transportation home are the additional costs arising for the return journey home as a consequence of the insured event.

2. If You are transportable from a medical point of view, it is Our decision whether the Insured Person is repatriated to India or not.

(b) Additional extra costs for an accompanying person, if it is medically necessary that the insured person be accompanied in this way.

4. Repatriation of Mortal Remains

In the event of death of the Insured Person due to illness/ injuries covered on the trip abroad, extra costs of transporting the mortal remains of the deceased back home or up to an equivalent amount for a local burial or cremation in the country where the death occurred up to the limit stipulated in the Schedule.

5. Balance Period of Policy + 30 days:

If it has been established that the continued treatment in the Republic of India is appropriate, then We will pay the medical expenses incurred in India for the same illness/ bodily injury contracted abroad following the transportation home at the usual customary level, for treatment received within the Insurance Period – and for a maximum of 30 days beyond the Insurance Period provided the disease/ injury/ illness is contracted within the Insurance Period.

6.HospitalDailyAllowance:In the event of You being hospitalised for a period of more than 48 hours and also if We have acceptedliability under the Medical Expenses cover aforementioned, then We will pay You up to the maximum limit mentioned in the Schedule

We will not pay for:

1. The Deductible mentioned in the Schedule except in case of Hospital Daily Allowance.

2. Treatment abroad if that is the sole reason or one of the reasons for temporary stay abroad.

3. Medical Expenses / services, the need for which arises out of a pre-existing condition

4. A treatment which could reasonably be delayed until You return Republic of India.The question of what can or what cannot be reasonably delayed will be decided jointly by the treating physicians and Us.

5. Treatment of orthopaedic,degenerative or oncological diseases,unless the medical assistance provided abroad involves unforeseen emergency measures to save Your life or measures solely designed to relieve the acute pain.

6. Charges in excess of reasonable and customary charges.

7. Any costs incurred in connection with cancer treatment, unless the medical assistance provided abroad involves unforeseen emergency measures to save Your life or measures solely designed to relieve the acute pain.

8. Treatments relating to the removal of physical flaws or anomalies (cosmetictreatment).

9. Any costs incurred in connection with rest cures or recuperation at a spa or health resort, sanatorium, convalescence home or similar institution.

10. Any costs related to mental or psychiatric disorders.

11. Pregnancy, childbirth and their consequences. In the event of acute complications in the course of pregnancy however, We will indemnify within the scope of the Policy, medical measures to directly avert danger to the life of the mother and / or child, on the condition that the pregnant woman has not reached the age of 38 and the 30th week of the pregnancy is not yet completed.

12. Medical Treatment of typical complaints suffered during pregnancy and their consequences, including changes in the chronic conditions as a result of pregnancy

13. Checkups during pregnancy or treatment of the pregnancy.

14. Treatment by relatives.

15. Rehabilitation and physiotherapy or the costs of prostheses (artificial limbs etc.)

16. Any other costs not listed as indemnifiable under “What is Covered”.

17. Any claim in respect of Hospital Daily Allowance for the first 48 hours.

18. Medical Expenses incurred as the result of alcohol and/or drug abuse,addiction or overdose

19. Eyeglasses, contact lenses, hearing aids,and examination for prescription or fitting thereof,unless Injury or Sickness has caused impairment of vision or hearing

SECTION 2: TOTAL LOSS OF BAGGAGE INCLUDING DELAY OF BAGGAGE
WHAT IS COVERED WHAT IS NOT COVERED

We will reimburse for total loss of Checked baggage caused by a carrier (i.e. airline, coach operator, ferry company etc.) up to the limits stipulated in the Schedule provided that:

1. Loss of a Pair/Set: (pair or set of articles is treated as one article e.g. a pair of earrings) In case of loss to a pair or set, We may elect to:

a) repair or replace any part, to restore the pair or set to its value before the loss; or

b) pay the difference between the cash value of the property before and after the loss.

You make a report to the Police within 24 hours after You become aware of the loss.

2. You provide all the Reports concerning the loss to Us or Our Assistant Service Provider.

3. We will pay the benefit on Market Value. Market Value is the sum required to purchase new items of the same kind and quality less a figure representing the condition of the articles insured (age, wear, usage etc.)

4. The maximum amount to be reimbursed per bag is 50%, and the maximum value per articlecontained in any bag is 10%, of the amount stated in the Policy Schedule

Benefits:(Delay of Baggage)

We will pay 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 temporary loss of Your baggage while being transported during the journey provided that:

a) The delay of baggage is more than 12 hours from the scheduled arrival time at the destination and relates to delivery of baggage that has been checked in by the carrier.

b) You give Us written proof of delay from the carrier.

c) Any claim under this additional benefit will be offset against any claim payable under Total Loss of Baggage.

We will not pay for –

1. Valuables andMoneyall kinds of securities and tickets. The Valuables and Money should at all times be carried on personby You.

2. loss of property unless the Property Irregularity Report has been obtained from the carrier after the discovery of loss by You.

3. any partial loss. However loss of individual units of baggage will be considered as a total loss.

4. losses arising from any delay, detention, confiscation or distribution by customs officials or other public authorities.

SECTION 3 : HIJACK DISTRESS ALLOWANCE
WHAT IS COVERED WHAT IS NOT COVERED
In the event of air or sea common carrier in which You aretravelling,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.

We will not pay for –

1. First 12 hours of hijacking

2. Any claim where You are considered as the principal or accessory in the hijacking.

3. Any claim as a consequence of change in the direction of the route of the carrier due to traffic,weather,fuel shortage,technical snag or security reasons.

SECTION 4: LOSS OF PASSPORT
WHAT IS COVERED WHAT IS NOT COVERED
In the event that the passport belonging to You is lost, We will pay up to the limit stipulated in the PolicySchedule for the reimbursement of actual expenses necessarily and reasonably incurred in connection with obtaining a duplicate or fresh passport.

We will not pay for loss:

1. of the passport due to delay or confiscation or detention by the customs, police or public authorities.

2. of the passport due to theft unless it has been reported to the Police within 24 hours of Your becoming aware of the theft and a written Police Report obtained.

3. of the passport due to,it being left unattended or forgotten by You in a public place or public transport.

4. or theft of the passport from a private place or from a private vehicle unless it was located in a locked hotel room or apartment and any forcible and violent entry was used to gain access to it.

SECTION 5 : FINANCIAL EMERGENCY ASSISTANCE COVER
WHAT IS COVERED WHAT IS NOT COVERED
In the event of Your 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

We will not pay for any:

i. claim reported in excess of 30 days after the occurrence of the incident, giving rise to a claim.

ii. loss or shortage due to currency fluctuation, errors,omission, exchange loss or depreciation in value.

iii. lossif not reported to the Police having jurisdiction at the place of loss within 24 hours of the incident and a written Report obtained.

iv. claim in respect of loss of travellers’ cheques not immediately reported to the local branches or agents of the issuing authority.

v. oftravel funds not kept in Your personal custody.

SECTION 6 : PERSONAL LIABILITY
WHAT IS COVERED WHAT IS NOT COVERED

a. Property Damage:

If a claim is made or a suit is brought against You for Property Damage caused by an Occurrence to which this coverage applies, We will pay up to the amount stated in the Policy Schedule or the Schedule of Benefits subject to any applicable Deductible, for Our limit of liability for the damages for which You are legally liable.

b.Medical Payments to Others:

We will pay the necessary medical expenses that are incurred or medically ascertained within one year from the date of an Accident causing Bodily Injury. Medical expenses means reasonable charges for medical, surgical, X-ray, dental, ambulance, Hospital, professional nursing, prosthetic devices and funeral services. This coverage does not apply to You or regular residents of Your household. As to others, this coverage applies only if the Bodily Injury is caused by Your activities.

We will not pay for any claim:

I. up to the deductible stated in the Schedule.The deductible will apply to each insured event and shall be borne by You.In case of a single claim l eading to a series of claims single deductible will be applicable

II. arising from employer’s liability or contractual liability or through special promises made by You.

III. of Your personal liability towards Your family, relations and travelling companions,whether personal or official.

IV. resulting from transmission of an illness or disease by the insured person.

V. ordamage resulting from Your professional activities.

VI. for liability arising directly or indirectly from or due to Your

a) ownership of animals.

b) ownership, possession of vehicles, aircrafts,watercrafts, or Your activities of parachuting,hang-gliding, hot air ballooning or use of firearms.

c) willful, malicious or unlawful act.

d) insanity, the use of any alcohol/ drugs (except as medically prescribed) or drug addiction.

e) supply of goods or services.

f) ownership or occupation of land or buildings other than the occupation only of any temporary residence.

Limit of Liability:

Our liability for this Section shall be limited to the maximum per insured trip equal to the Sum Insured mentioned in the Schedule.

Special Conditions:

1. Our liability comprises checking the question of personal liability, contesting unjustified claims and providing indemnity for damages which You have to pay. For indemnity to be provided against damages, the damages must be payable under an acceptance of liability given or approved by Us or under a judicial decision.

2. If there is a legal action with the claimant or Your assignees over a Personal Liability claim, We may conduct the legal action at Our expenses in Your name and You will allow us to do so.

3. If an event insured against occurs which may result in a Personal Liability claim falling within the cover provided and if there are criminal proceedings relating to this event and if in these proceedings, We wish to appoint a defence counsel for You. For approval of such an appointment, We will pay the costs of this counsel.

4. If We wish to settle a Personal Liability claim by accepting liability or making an out of court settlement and cannot do so due to Your resistance, We shall not be liable to pay the extra expenditure incurred from the date of refusal in respect of main sum, interest and cost.

SECTION 7 PERSONAL ACCIDENT
WHAT IS COVERED WHAT IS NOT COVERED

If You meet with an Injury on a trip abroad which leads to Your death or subsequent disablement,We will indemnify You in the following way:

1.Your Death:If following an Injury that directly causes Yourdeath within one year directly as a result of an accident,We will pay to Your legal heirs the Sum Insured mentioned in the Schedule.

2.YourPermanenttotal/partial disablement: If following an injury which causespermanent impairment of Your mental or physical capabilities, We will pay the following benefits depending upon the degree of disablement as provided in the Table of Benefits subject to:

a. the disablement must occur within a year of the accident

b. the disablement must be confirmed and claimed for prior to the expiry of a further period of 3 months

We will not pay for:

1. accidents due to mental disorders or disturbances of consciousness, strokes, fit which affect the entire body and pathological disturbances caused by the mental reaction.

2. damage to health caused by curative measures,radiation, infection and poisoning except where these arise from an accident.

3. any payment under this Section during any one Period of Insurance by which Our liability in that period would exceed the sum payable in the event of death.

4. more than 50% of the Sum Insured as mentioned in the Schedulein respect of death if Your age is below the age of 18 years at the time of effecting this insurance.

5. any other claim after a claim for death has been admitted and becomes payable.

6. any claim which arises out of an accident where the cause has to do with the operation of an aircraft except when You are flying as a passenger on a multi engine aircraft or which occurs during parachuting.

7. any claim arising out of an accident relating to pregnancy or childbirth, venereal disease or infirmity.

Table of Benefits Percentage of Sum Insuredmentioned in the Schedule
Death 100
Loss or Inability to function of an arm at the shoulder joint 70
An arm to a point above the elbow joint 65
An arm below the elbow joint 60
A hand at the wrist 55
A thumb 20
An index finger 10
Any other finger 5
A leg above the Centre of the femur 70
A leg up to a point below the femur 65
A leg to a point below the knee 50
A leg up to the Centre of the tibia 45
A foot at the ankle 40
A big toe 5
Some other toe 2
An eye 50
Hearing in one ear 30
Sense of smell 10
Sense of taste 5

Special Conditions Applying to the Personal Accident Section

1. In the event of partial loss or impairment of the function of one of the above parts of the body or senses, the appropriate proportion of the percentage stated in the Table of Benefits will be considered by Us.

2. If the accident impairs a number of physical or mental functions, the degree of disablement given in the Table of Benefits will be added together, but not exceeding 100% of the Sum Insured stated in the Schedule.

3. If the accident affects parts of the body or senses whose loss or inability to function is not dealt with above, the governing factor in such a case will be the extent to which normal physical or mental capabilities are impaired, solely from a medical point of view as ascertained by Us.

4. If the accident affects any physical or mental function, which was already impaired beforehand, a deduction will be made equal in amount to this prior disablement.

5. If You die for a reason unconnected with the accident within one year of an accident or for whatever reasons after more than 12 months from the accident, and if a claim for disablement payment had arisen, then the payment will be made in accordance with the degree of disablement which would have been expected to exist from the findings of the last medical examination made.

6. In the event of Permanent Disablement, You will be under obligation to:

a. have Yourself examined by doctors appointed by Us or on Our behalf and We will pay the costs involved thereof.

b. authorize doctors providing treatments or giving expert opinion, other insurers and any other authority to supply Us any information that may be required. If the obligations are not met with due to whatsoever reasons, We may be relieved of Our liability to pay.

7. In the event of permanent disablement, a disablement payment cannot be claimed prior to completion of the healing process or within one year of occurrence of the accident, whichever is earlier.

SECTION 8: TRIP DELAY
WHAT IS COVERED WHAT IS NOT COVERED
We will reimburse Reasonable Additional Expenses for Trip Delay, subject to all other terms and conditions , if the aircraft in which You are booked to travel from India is delayed beyond 12 hours from the original scheduleddeparture time, up tothe maximum limit shown in the Policy Schedule or the Schedule of Benefits

We will not pay for:

1. for any departure which is delayed as a result of the You or any other person who have arranged to travel withYou failing to check in correctly as required by the airlines.

2. For any delay 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 instructions of the Civil Aviation Authority or similar authority.

SECTION 9 : TRIP CANCELLATION
WHAT IS COVERED WHAT IS NOT COVERED

We will indemnify You subject to the limits shown in the Schedule , for loss of personal accommodation or travel charges paid or contracted to be paid by You which are not recoverable from any other source , following the necessary unavoidable cancellation of the trip prior to its commencement because of

1. Your death or sudden sickness requiring minimum three days hospitalisation

2. Death of Your spouse or parent or child

3. Serious injury or sudden sickness requiring minimum three days hospitalisation of Your wife or child who were booked to travel with You and who are also insured with Us

4. Compulsory quarantine or prevention of travel by Government

We will not pay for:-

1.Common Carrier-caused delays, including an announced,organized sanctioned union labor strike that affects publictransportation, unless the commencement of the Period of Insurance is prior to a date when the Strike is foreseeable. A Strikeis foreseeable on the date the labor union members vote to approve a Strike.

2.Travel arrangements cancelled or changed by an airline, cruise line,or tour operator, unless the cancellation is the result of bad weather.

3.Changes in Your plan, an immediate Family Member,or Traveling Companion for any reason.

4.Adverse circumstances,any Family Member, or a Traveling Companion.

5.Any business or contractual obligations of Yours, any FamilyMember, or a Traveling Companion, except for termination or layofffrom employment as defined above

6.Defaultby the person, agency, or tour operator from whom You bought this Policy and made travel arrangements.

7.Any government regulation or prohibition.

8.An event or circumstance, which occurs prior to thecommencement of the Period of Insurance.

9.On accountof afeloniousassault onYou, any FamilyMember of Yours, the Travelling Companion Travelling Companion's Family Member been a principalaccessory inthe assault committed.

SECTION 10 : MISSED CONNECTION
WHAT IS COVERED WHAT IS NOT COVERED

We will pay subject to all the terms conditions, if the air craft on which You are booked to travel from India is delayed beyond 12 hours from the original scheduled arrival time at the destination of the connecting flight, We will pay the sum mentioned in the Schedule towards missed connection. For a claim to be admissible under this Section it is condition precedent to liability that the claim is admissible under Section 9 :

This Benefit does not cover any other loss,directly or indirectly, in whole or in part,including loss caused by or resulting from any exclusion mentioned in the 'General Exclusions' Section of this Policy.

Trip Delay
SECTION 11 : BURGLARY (HOME CONTENTS)
WHAT IS COVERED WHAT IS NOT COVERED

We will pay You for any claim in respect of loss of or damage to contents of Your home in India(Located at the address mentioned in the PolicySchedule) caused by actual or attempted Burglary and/or Robbery during the Policy period. The cover incepts from the date of Your departure from the country and ends on the expiry date or date of return to the country whichever is earlier.Our liability will be limited to the Sum Insured specified in the Schedule.

We will not pay for

1. Any loss or damage to, or on account of loss of,livestock, motor vehicles, pedal cycles, money,securities for money,stamp,Jewellery, bullion,deeds, bonds, bills of exchange,promissory notes, stock or share certificates, business books, manuscripts, documents of any kind,ATM debit or credit cards, precious stones that are not part of jewellery or ornaments, gold bullion (unless previouslyspecifically declared to, and accepted by Us in writing

2. Loss or damage to any property/item illegally acquired,kept,stored or property subject to forfeiture in any manner whatsoever;

3. Any claim up to the deductible stated in the Schedule.The deductible will apply to each insured event and shall be borne by You.

SECTION 12 : STUDY INTERRUPTION
WHAT IS COVERED WHAT IS NOT COVERED

We shall pay You,compensation in the event of Study Interruption up to the amount stated in the Schedule subject to the following terms.

1. In the event of Your Hospitalisation for more than one consecutive month from either a covered Injury or sickness or in the case of terminal sickness or in the case of a medical repatriation, or

2. In case of death of any one immediate family member or the sponsor during the entire Policyperiod, which leads You to discontinue Your studies for the remaining part of the current school semester for whichTuition has been paid, We shall reimburse You, the Tuition fees which has already been advanced to the educational institution less possible/actual refunds, up to the amount stated in the Policy Schedule.

We will not pay for

1. Routine physical check up

2. A trip, the purpose of which was to obtain medical care;

3. Cosmetic or plastic surgery except as a result of an accident;

4. Elective surgery;

5. Any mental and nervous disorders, rest, cures or stress of anykind;

6. Alcoholism or drug addiction, or use of any drug or narcoticagent;

7. Any treatment provided by a family member;

8. Specific named hazards, hang gliding, mountaineering, rockclimbing, sky diving, professional or amateur racing andpiloting an aircraft;

9. Accidents due to mental disorders or disturbances of consciousness, strokes, fits or convulsions which affect theentire body and pathological disturbances caused by themental reaction to the same.

10. Damage to health caused by curative measures,radiation,infection,poisoning except where these arise from an accident.

11. Any other claim after a claim for death has been admitted by Us and becomes payable.

12. Any claim which arises out of an accident connected with theoperation of an aircraft or which occurs during parachutingexcept when You are flying as a passenger on a multi engine, commercial aircraft.

13. This Benefit does not cover any other loss, directly or indirectly, in whole or in part, including loss caused by or resulting from any exclusion mentioned in the 'General Exclusions' Section of this Policy.

Claim Procedure

In the event of a claim, You shall make a request to the institution, in writing, seeking a written response from the institute towards any amount due to You by way of refunds, both of which shall require being provided to Us. Only the figures shown on an official invoice(s) from the educational institution for payment of said Tuition Fees in conjunction with the refund statement, if any, shall be used for calculating any reimbursement to be paid by Us. It cannot exceed the maximum amount stated in the Schedule of benefits under this Policy.

SECTION 13 : ACCIDENT TO SPONSOR
WHAT IS COVERED WHAT IS NOT COVERED
In the event of accidental injury to Your Sponsor, as stated in the Enrollment Form, resulting in his Death within the PolicyPeriodthe Company shall reimburse You the Tuition Fee incurred for the remaining period of this study up to the maximum limit stated in the Schedule of benefits. In the event of a claim, only the figures shown on official invoice(s) from the educational institution and voucher(s) of payment of the said Tuition fees, shall be used forcalculating any reimbursement to be paid by Us. This Benefit does not cover any other loss, directly or indirectly, in whole or in part, including loss caused by or resulting from any exclusion mentioned in the 'General Exclusions' Section of this Policy.

Claim Procedure

The claim would be payable by Us upon Your submissionof an official death certificate and a statement from a Medical Practitioner (which Medical Practitionershould not be a relative or spouse of the Insured or the Sponsor) stating cause of death, as proof of death, of the Sponsor. Simultaneous claims under 'Study Interruption' and 'Sponsor Protection' is not permitted.

SECTION 14 : COMPASSIONATE VISIT
WHAT IS COVERED WHAT IS NOT COVERED
We shall pay compensation,to You in the event of Compassionate Visit by one Immediate Family Member, up to the amount stated in the Schedule, as per the following terms. In the event You areHospitalised for more than seven (7) consecutive days, and Your medical condition forbids Your repatriation and no adult member of Your immediate family is present, We or the Assistant Service Provider,after obtaining confirmation of need for acompanion from Our panel doctor / the Assistant Service Provider, will provide a round trip economy class air ticket, or first class railway ticket, to allow one immediate Family Member, during the -relevant period of insurance, to be at Your bedside for the duration of Your stay in the hospital. Additionally, We will refund the cost of stay of oneimmediate family member, up to the amount stated in the PolicySchedule. In any event, the Company's total liability for round trip transport and for daily allowances (accommodation andtransportation only) shall not exceed the maximum amount stated in the Schedule under this Policy. In the event parent(s), spouse / child of the Insured is Hospitalized for more than (7) consecutive days, We or the Assistant Service Provider, after obtaining confirmation of need for a companion from Our panel doctor / the Assistant Service Provider,will provide a round trip economy class air ticket, or first class railway ticket, to allow You to be at the bedside of Your parent(s), spouse / child for the duration of his/her stay in thehospital. In any event, Our total liability for round-trip transportshall not exceed the maximum amount stated in the Schedule of this Policy. This Benefit does not cover any other loss, directly or indirectly, in whole or in part, including loss caused by or resulting from any exclusion mentioned in the 'General Exclusions' Section of this Policy.

General Exclusions (What is not Covered by the whole Policy):

We will not pay for:

1. any claim relating to events occurring before the commencement of the cover.

2. any claim if You –

a) are travelling against the advice of a physician.

b) are suffering from a Pre-existing condition or any complication arising from it

c) are receiving or on a waiting list for specified medical treatment declared in a physician’s report or certificate or

d) have received terminal prognosis for a medical condition.

e) are taking part in a naval, military or air force operation.

3. any claim arising out of illnesses or accidents that caused by the insured person intentionally or bycommitting a crime or as a result of drunkenness or addiction (drugs, alcohol).

4. any claim arising out of mental disorder, anxiety, stress, depression, venereal disease or any loss directly or indirectly attributable to HIV (Human Immune Deficiency Virus) and / or any HIV related illness including AIDS (Acquired Immuno Deficiency Syndrome) and / or any mutant derivative or variations thereof howsoever caused.

5. illness and accidents that are results of war and warlike occurrence or invasion, acts of foreign enemies, hostilities, civil war, rebellion, insurrection, military or usurped power, active participation in riots, confiscation or nationalisation or requisition of or destruction of or damage to property by or under the order of any government or local authority.

6. any claim arising from damage to any property or any loss or expense whatsoever resulting or arising 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 nuclear fuel or from any nuclear waste from the combustion of nuclear fuel or

b) the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof.

7. any claim arising out of sporting risk in so far as they involve the training or participation in competitions of professional or semi professional sportsmen or women (unless declared beforehandand necessary additional premium paid)

8. any loss, damage cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any act of terrorism regardless of any other cause or event contributing concurrently or in any other sequence to the loss

Sum Insured Options under various Travel Insurance Plans

1) Travel Worldwide Plan
a)Specific Plan Silver $50,000
Gold $ 2,00,000
Platinum $ 5,00,000
b)Annual Plan Gold $ 2,00,000
Platinum $ 5,00,000
2) Student Travel Insurance Plan
Primary $50,000
Buddy $ 1,00,000
Intellectual $2,00,000
3) Travel Asia Plan
Gold $20,000
Platinum $25,000

General Conditions (applicable to the whole Policy)

1. Validity:The Policy will be valid only if Youcommence- the journey within 14 days of the first day of insurance as indicated in the Policy Schedule.

2. Changes in Circumstances :You must inform Us, as soon as reasonably possible of any change in information You have provided to Us about the insured person which mayaffect the insurance cover provided.

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4. Claim Procedure:

a.

You shall immediately contact the Alarm Center of the Overseas Assistance Provider providing the necessary details. The phone numbers of the Alarm Centre are as mentioned on the Schedule.

b.

You need to contact the Alarm Centre number while abroad as soon as possible and inform in case You will be filing - any claim, even if assistance is not required. We will not be liable to pay any claim on return back to India, that has not been informed by You, while abroad to the Alarm Centre

c.

The Alarm Centre, will verify the identity of the caller by asking his name passport number.

d.

In the event of an accident or sudden illness where it is not possible to do sobefore consulting a Medical Practitioneror going to the Hospital, You shall contact the Alarm Centre as soon as possible. In either case, when being admitted as a patient,You shall show the concerned Medical Practitioneror personnel this Policy, if requested.

e.

In case of Financial Emergency, You shall immediately contact the Alarm Centre stating the details given on Your Insurance Policy along with the police report containing the passport number and a written statement narrating the incident of loss i.e. causes, circumstances and the place. Failure to do so may prejudice Your claim, as Our liability will only attach in case of claim supported by above documents.

f.

In case of Hijacking, the fact of the incident having occurred should be confirmed by the proper police authorities. The police report should contain details such as the passport number of the Insured, the period of hijack, etc. In rare casesWe may consider the other supporting documents such as a report issued by the airlines, newspaper reports, TV and other media coverage with regard to the particular hijacking incident.

g.

If the procedure stated above is complied with, the Overseas Assistance Provider, as the case may be, will guarantee to the service provider the costs of hospitalization, transportation for emergency services, transportation home for You and any covered accompanying person and Financial Emergency Assistance. All costs will be directly settled by the Overseas Assistance Provider on Our behalf and the same shall constitute due discharge of Our obligations hereunder.

h.

If the service provider does not accept the guarantee of payment from the Overseas Assistance provider, We cannot be held responsible for the same. The relevant costs will then have to be borne by You. These costs will then be considered for reimbursement by - Us or the Overseas Assistance Provider on submission of required documents.

i.

Reimbursement of all claims (except claims under Financial Emergency Assistance) will be made by the Overseas Assistance Provider in Indian Rupees on the insured's return back to the Republic of India, at the exchange rate specified by the Reserve Bank of India, as applicable on the date the amount is billed.

j.

Claims under Financial Emergency Assistance shall be settled/arranged directly to You, whilst abroad, by the Overseas Assistance Provider

k.

In case of burglary loss at the home of the insured whilst on the trip abroad, the loss is to be intimated to the Overseas Assistance Provider in India.

The company shall appoint an independent surveyor to assess the loss.

5. Claim Documentation:

a. The original ticket / boarding pass or a copy of the passport indicating the travel dates must be submitted with every claim, along with the completed claim form.

b. The original bills and vouchers must be submitted along with all claims.

c. Bills/vouchers/reports/discharge summary must mention the name of the person treated, the type of illness, details of the individual items of medical treatment provided and the dates of treatment. Prescriptions must clearly show themedicines prescribed. The pharmacy bills must clearly show the price and the receipt stamp of the pharmacy. In the case of dental treatment, the bills/ vouchers/ reports must give the details of the tooth treated and the treatment performed. Treatment taken on different dates for separate ailments will be treated as separate claims. The claim form should clearly indicate the same and supporting documents should be provided for each one. Deductible will apply for each claim separately.

d. For Reimbursement of the costs of Transporting the Mortal Remains to the Republic of India or of the costs of burial abroad, an official death certificate and a physician's statement giving the cause of death needs to be submitted. Medical statements from relations or spouses will not be accepted. Original bills / receipts of the expenses incurred need to be submitted.These would be paid as per the usual and customary charges incurred for the same.

e. For Reimbursement of Extra Expenses of Yourtransportation to the Republic of India, a medical statement from a qualified registered Medical Practitionerindicating the cause of illness and the necessity of the transportation needs to be submitted. Medical statements from relations or spouses will not be accepted. Original bills / receipts of the expenses incurred need to be submitted. These would be paid as per the usual and customary charges incurred for the same.

f. In case of Loss of Checked-In Baggage, a Property Irregularity Report or other report usually issued by the carriers in the event of loss of checked-in baggage will need to be submitted with the claims form. A letter from the airline will also need to be submitted stating the compensation received from them for the lost baggage.

g. Adequate proof of ownership of items contained within Checked-In Baggage valued in excess of the Indian Rupee equivalent of US $ 100 for Loss/Delay of Checked-In Baggage will need to be submitted.

h. Original bills of emergency items purchased, and the property irregularity report or any other such report from the airline stating the date and time of arrival of delayed baggage needs to be submitted in case Delay of Checked-In Baggage delay claims.

i. For loss of Passport, a Police Report obtained within 24 hours of You becoming aware of the theft needs to be submitted. Along with this, bills / receipts of expenses incurred in obtaining a new / fresh passport needs to be submitted.

j. For Financial Emergency, the original police report filed within 24 hours of becoming aware of the theft, pilferage, robbery, and dacoity needs to be submitted.

k. For any claim under Hijacking, the incident should be confirmed by the police. The police report should be submitted along with the claim form should contain the details such as the name and passport number of the insured, period of hijacking and details of the hijacking.

l. For Personal Liability, proof of judicial decision rendered by a court of law needs to be submitted.

m. For Personal Accident, original bills/ vouchers/ reports/discharge summary that are submitted, must mention the name of the person treated, the cause of accident, details of the individual items of medical treatment provided and the dates of treatment. Post mortem report, if applicable, shall also be submitted.

n. For claims under Trip Cancellation and Interruption the following documents need to be furnished;

i. Medical reports and doctors statement if trip is cancelled or interrupted due to medical reasons.

ii. If due to employment reason, then termination letter from the company shall be submitted.

iii. If due to other insured events, police report confirming the incident shall be submitted.

iv. In case the cancellation or interruption is owing to the sickness, injury or death of a traveling companion, Your original tickets and those of the traveling companion indicating travel to the same destination for the same dates. It should contain the Passport number of the Insured and Period. All the bills / receipts of reasonable additional expenses incurred and/or proof of cancellation charges levied by the carriers shall be submitted. For claims under travel delay the following documents need to be furnished, Medical reports and doctors' statement, or police report confirming the incident causing the trip delay.

o. In case the delay is owing to the sickness, injury or death of a travelling companion, YourOriginal tickets and the travelling companion indicating travel to the same destination for the same dates. It should contain the Passport number of the Insured and Period. All Bills / receipts of reasonable additional expenses incurred should also be attached

p. For claims under Missed Connection the following documents need to be submitted i.e. confirmation from the airline, clearly mentioning the scheduled arrival time and the actual arrival time. The reason for delay in the flight also needs to be mentioned. All the bills / receipts of reasonable additional expenses incurred shall be submitted to Us.

q. Any other document(s) that We require from You to process the claim may be asked for. IfWe or the Overseas Assistance Provider request that bills/vouchers in a foreign language be accompanied by an appropriate translation then the costs of such translation must be borne by You.

r. Claim documents to be submitted in event of a claim under Burglary(Home contents) coverage.

i. First Information Report

ii. Panchnama

iii. Investigation Report by the Police

iv. Estimate and final bills of repairs if any, required on damaged property

v. Invoices of owned articles, where called for by Us

vi. Legal opinion wherever required.

vi. Legal opinion wherever required.

a. Claims for insurance benefits must be submitted to Us or Our Assistant Service Provider not later than one month after the completion of the treatment or transportation home, or in the event of death, after transportation of the mortal remains / burial.

b. You shall provide Us or Our Assistant Service Provider on demand any information that is required to determine the occurrence of the insured event or establish Our liability to pay the benefits. In particular, at Our or request of Our Assistant Service Provider request, proof shall be furnished of the actual commencement date of the trip abroad.

c. If requested to do so by Us or Our Assistant Service Provider, You shall authorize Our Assistant Service Provider to obtain all the information considered necessary from third parties (physicians, dentists, alternative practitioners, medical institutions of any kind, insurance companies, health or pension offices) and release these parties from their obligation not to disclose information.

d. If requested to do so by Us or Our Assistant Service Provider ,You are obliged to undergo a medical examination by a Medical Practitionerdesignated by them

e. We or Our Assistant Service Provider are authorised by You to take all measures that are suitable for loss prevention and claim minimisation which includes Your transportation back home with simultaneous consideration of the insured person’s interests.

f. We shall be released from any obligation to pay insurance benefits if any of the aforementioned obligations are breached.

7. Transfer and Set- off of Claims:

a) If You have claims for damages of a non-insurance nature against third parties, such claims shall be transferred in writing to Us up to the amount for which the reimbursement of costs is made by Us in accordance with the insurance contract. If You surrender such a claim or any right serving to secure such a claim without Our consent, then We are released from Our obligation to provide indemnification in so far the insured person could have attained a recovery from the claim or right.

b) In so far as You receive compensation for costs You have incurred either from third parties liable for damages or as a result of other legal circumstances, We are entitled to set off this compensation against the insurance benefits payable.

c) Claims to the insurance benefits can neither be pledged nor transferred by You.

8. Fraud:

If a claim is fraudulent in any respect or supported by any fraudulent statement or device with or without Your knowledge,all benefit(s) under this Policy shall be forfeited.

Sum Insured enhancement:We will not allow you to enhance your sum insured during the term of the policy issued to you. If you wish to enhance your sum insured, you may cancel the current policy held by you and purchase a new policy with higher SI from Us.

Tax Benefit:-Income Tax benefits on the premium paid towards medical expenses as per section 80D of Income Tax Act, 1961 and amendments made thereto.

9. Cancellation:

Cancellation of the Policy may be done only in cases where a journey is not undertaken and only on production of Your passport and cancelled ticket as a proof of the same. Any request for Cancellation of Policy will be entertained not later than 14 days after the first day of insurance as indicated in the Policy Schedule. Such cancellation will be subject to retaining a minimum of 25% of the premium or Rs 200/- for Short Term ( Single Trip) and Rs 500/- for Annual ( Multi Trip) , whichever is higher.

We may at any time terminate this Policy on grounds of misrepresentation, fraud, non-disclosure of material facts or non-cooperation by You or any Insured Person or anyone acting on Your behalf or on behalf of an Insured Person without refund of premium.

10. Your Right:

On receipt of the survey report or the additional survey report, as the case may be, an insurer shall within a period of 30 days offer a settlement of the claim to the insured. If the insurer, for any reasons to be recorded in writing and communicated to the insured, decides to reject a claim under the Policy, it shall do so within a period of 30 days from the receipt of the survey report or the additional survey report, as the case may be. Upon acceptance of an offer of settlement by the insured, the payment of the amount due shall be made within 7 days from the date of acceptance of the offer by the insured. In the cases of delay in the payment, the insurer shall be liable to pay interest at a rate which is 2% above the bank rate prevalent at the beginning of the financial year in which the claim is reviewed.

11. Contribution:

If at any time of the happening of any loss/ damage covered by this Policy, there shall be existing any other insurance of any nature whatsoever covering the same contingency whether effected by You or not, We shall not be liable to pay or contribute more than the rateable portion of loss / damage. This Condition does not apply to Personal Accident (Section 7) claims.

i. Multiple Policy: If two or more policies are taken by You during the period for which You are covered under this Policy from one or more insurers, the contribution clause shall not be applicable where the cover/benefit offered:

  • is fixed in nature i.e. Personal Accident Benefit, if available under the Policy,
  • does not have any relation to the treatment costs;

ii. We also agree that even if, You are covered under multiple policies providing Personal Accident cover, We shall make the claim payments independent of payments received under other similar polices in respect of the covered event.

iii. We agree that even if two or more policies are taken by You during the time for which You are covered under this Policy from one or more insurers for indemnification of Your Hospitalisation treatment costs, We shall not apply the Contribution clause and You shall have the following rights

  • You may choose to get the settlement of claim from Us as long as the claim is within the limits of and according to terms and conditions of the Policy
  • If the amount to be claimed exceeds the Sum Insured under a single Policy after consideration of the deductible and co-pay, You shall have the right to choose any insurers including Us by whom You wish Your claim to be settled. In such cases, We shall settle the claim with contribution clause
  • Except for Personal Accident cover, in case if You have taken policies from Us and one or more insurers to cover the same hospitalisation risk on indemnity basis , You shall only be indemnified the hospitalisation costs in accordance with the terms and condition of the Policy.

12. Geographical Scope:

The insurance cover applies in the foreign countries stated in the Policy Schedule, except for those countries the citizenships of which Youpossess or whereYouhave a permanent place of residence.

13. Substitute Product

In case We may decide to withdraw this product under which this Policy is issued to You We shall provide You with an option to buy a substitute travel insurance Policy from Us.

14.

In the event of Your death, We or Our representatives shall have the right to get - a post mortem carried out at Our expense.

15.

This insurance does not operate beyond a period of 125 days of continuous absence of the insured person from the Republic of India unless specifically agreed to by Us.

16. Renewal Conditions:

This Policy will terminate at the expiration of the period forwhich premium has been paid or on the expirydate shown in the Proposal and Declaration

Form and Schedule, whichever is earlier.

a. The Single Trip Insurance and Daily Rated Plan is non-renewable, non cancellable and non refundable while effective. Single Trip / Multi Trip - Cancellation of the Policy may be done only prior to the Effective Date stated in the Policy Schedule and will be subject to deduction of cancellation charge by Us.

b. The Student Plan and Annual Multi Trip Insurance may be renewed on payment in advance of the total premium specified by Us, which premium shall be at Our premium rate in force at the time of renewal. We, however, are not bound to give notice that it is due for renewal. Unless renewed as herein provided, this Policy shall terminate at the expiry of the period for which premium has been paid.

Premium details and summary of benefits under the Policy

Premium Rates for Travel Insurance

Please note that all premium shall be payable in advance in a single installment.

Travel Worlwide Premium (in Rs ) Plan- Silver ( Excluding Service tax)
. Worldwide Excluding US/ Canada Worldwide
Age Band/days of Travel 0-40 yrs 41-60 yrs 61-70 yrs 0-40 yrs 41-60 yrs 61-70 yrs
1-7 417 454 737 619 689 1073
8-14 594 647 993 880 954 1498
15-21 673 757 1277 917 1105 1925
22-28 772 937 1549 1100 1267 2422
29-35 925 1092 1877 1361 1550 2943
36-47 1107 1358 2396 1667 2007 3801
48-60 1346 1580 3009 2329 3228 4721
61-75 1599 2007 3952 3447 4804 5791
76-90 1825 2331 4961 4126 5159 7180
91-120 2548 3043 6789 4283 5208 11706
121-150 3316 4224 9347 5675 7016 16258
151-180 4017 4982 11231 6869 8301 19345
Travel Worlwide Premium (in Rs ) Plan- Gold ( Excluding Service tax)
. Worldwide Excluding US/ Canada Worldwide
Age Band/days of Travel 0-40 yrs 41-60 yrs 61-70 yrs 0-40 yrs 41-60 yrs 61-70 yrs
1-7 568 633 1040 793 911 1432
8-14 731 847 1474 1038 1284 2063
15-21 869 1040 1938 1189 1461 2771
22-28 1014 1255 2359 1405 1768 3310
29-35 1210 1442 2947 1667 2137 4219
36-47 1404 1796 3669 2092 2729 5447
48-60 1687 2320 4497 2751 3864 6761
61-75 2150 2715 5658 3832 5647 8680
76-90 2524 3502 6793 4602 5684 10836
91-120 3714 4791 9896 5690 7101 16345
121-150 4548 6288 13903 7848 9963 23642
151-180 5653 7346 16516 9595 11879 27628
Travel Worlwide Premium (in Rs ) Plan- Platinum ( Excluding Service tax)
. Worldwide Excluding US/ Canada Worldwide
Age Band/days of Travel 0-40 yrs 41-60 yrs 61-70 yrs 0-40 yrs 41-60 yrs 61-70 yrs
1-7 658 760 1221 837 953 1612
8-14 823 1155 1636 1174 1650 2288
15-21 1000 1247 2189 1405 1778 2927
22-28 1226 1449 2632 1567 2135 3559
29-35 1349 1723 3204 1923 2439 4497
36-47 1593 2091 3997 2301 2989 5729
48-60 2292 3411 4909 3282 4859 7185
61-75 3300 4601 6236 4694 6812 9128
76-90 3961 5477 7451 5684 7746 11500
91-120 4338 6048 10587 6299 8453 17993
121-150 5690 7147 15335 8621 11607 25362
151-180 6999 8596 18629 10376 12966 29304
Annual Multi - trip (in Rs ) ( Excluding Service tax)
. Gold Platinum
Single trip 18-40 yrs 41-60 yrs 61-70 yrs 18-40 yrs 41-60 yrs 61-70 yrs
30 days 3218 3777 7346 3499 4272 8471
45 days 3594 3944 11898 4051 4350 13883
Student Travel (in Rs ) ( Excluding Service tax)
Age Primary age 16-35 Buddy 16-35 Intellectual 16-35 yrs
No of Days Worldwide Excluding US/ Canada Worldwide Worldwide Excluding US/Canada Worldwide Worldwide Excluding US/Canada Worldwide
30 441 914 551 1150 694 1489
60 763 1607 971 2040 1379 2897
90 1188 2489 1387 2754 2007 4121
120 1399 2856 1697 3182 2440 4896
180 1775 3721 2048 4308 2946 6201
240 2301 4814 2489 5589 3778 8200
270 2652 5573 3084 6364 4447 9302
365 3966 7311 4626 8323 6609 11913
Travel Asia (in Rs ) ( Excluding Service tax)
. Gold Platinum
Age Band/days of Travel 0 - 40 yrs 41- 60 yrs 61- 70 yrs 0 - 40 yrs 41- 60 yrs 61- 70 yrs
1-4 235 306 493 306 375 563
5-7 306 352 539 375 422 656
8-14 352 399 656 488 539 774
15-21 399 445 751 539 610 999
22-30 446 516 844 610 656 1220
31-35 464 537 878 635 683 1269
36-47 481 558 911 659 709 1318
Premium for Daily Rated Travel Plans (in Rs) ( Excluding Service tax)
. Platinum Gold Silver
No of Days Worldwide Worldwide Excluding US/Canada Worldwide Worldwide Excluding US/Canada Worldwide Worldwide Excluding US/Canada
21-60 yrs 44 41 39 25 20 15
61-70 yrs 54 49 47 31 24 18

USGI Travel Insurance – Worldwide (Specific Plan)

Specific Plan
. Silver Gold Platinum
Section under the policy Sum Insured Excess Sum Insured Excess Sum Insured Excess
Sum(s) insured in U.S.$ (Including and excluding America)
1)Health Cover-Medical Expenses 50,000 100 200,000 100 500,000 100
This Health Cover would also include the following expenses up to the sub limits specified:
a) Dental Treatment 300 150 400 150 500,000 150
b) Medical Repatriation Included . Included . Included 100
c) Repatriation of Mortal Remains Included . Included . Included 100
d) Hospital Daily Allowance 30/ day for 15 days 48 hrs. 30/ day for 15 days 48 hrs. 30/ day for 15 days 48 hrs.
2)Total Loss of Checked Baggage* 500 Nil 1000 Nil 1000 Nil
Delay of Checked Baggage 50 12 hrs. 100 12 hrs. 200 12 hrs.
3) Hijack Distress Allowance 125/day for 14 days 12 hrs. 125/day for 14 days 12 hrs. 125/day for 14 days 12 hrs.
4) Loss of Passport N/A . 250 25 250 NIL
5) Financial Emergency Assistance 500 NIL 1,000 NIL 1,500 NIL
6) Personal Liability 100,000 100 200,000 100 200,000 100
7) Personal Accident 15,000 NIL 25,000 NIL 25,000 NIL
8) Trip Delay $20/12hrs maximum $120 12hrs $30/12hrs maximum $120 12hrs $30/12hrs maximum $120 12hrs
9) Trip Cancellation $20/12hrs maximum $120 12hrs $30/12hrs maximum $120 12hrs $30/12hrs maximum $120 12hrs
10) Missed Connection 500 NIL 1000 NIL 1000 NIL
11)Burglary Home Contents Rs 100,000 NIL Rs 200,000 NIL Rs 300,000 NIL
Automatic Extension of Policy for 7 days Available . Available . Available .

*maximum amount to be reimbursed per bag is 50% maximum value per article contained in any bag is 10% of the sum insured

USGI Travel Insurance – Worldwide (Annual Plan)

Annual Plan
. Gold Platinum
Section under the policy Sum Insured Excess Sum Insured Excess
Sum(s) insured in U.S.$ (Worldwide)
1) Health Cover - Medical Expenses 200,000 100 500,000 100
This Health Cover would also include the following expenses up to the sub limits specified:
a) Dental Treatment 400 150 500 150
b) Medical Repatriation Included . Included .
c) Repatriation of Mortal Remains Included . Included .
d) Hospital Daily Allowance 30/day for 15 days 48 hrs. 30/day for 15 days 48 hrs.
2)Total Loss of Checked Baggage* 1000 Nil 1000 Nil
3) Hijack Distress Allowance 125/day for 14 days 12 hrs. 125/day for 14 days 12 hrs.
4) Loss of Passport 250 25 250 NIL
5) Financial Emergency Assistance 1,000 NIL 1,500 NIL
6) Personal Liability 200,000 100 200,000 100
7) Personal Accident 25,000 NIL 25,000 NIL
8) Trip Delay $30/12hrs maximum $120 12hrs $30/12hrs maximum $120 12hrs
9) Trip Cancellation 1000 NIL 1000 NIL
10) Missed Connection $30/12hrs maximum $120 12hrs $30/12hrs maximum $120 12hrs
11) Burglary Home Contents Rs 200,000 NIL Rs 300,000 NIL
Automatic Extension of Policy for 7 days Available . Available .

*maximum amount to be reimbursed per bag is 50% maximum value per article contained in any bag is 10% of the sum insured

USGI Travel Insurance – Student Travel

Student Travel
. Primary Buddy Intellectual
Section under the policy Sum Insured Excess Sum Insured Excess Sum Insured Excess
Sum(s) insured in U.S.$ (Including and excluding America)
1)Health Cover-Medical Expenses 50,000 100 100,000 100 200,000 100
This Health Cover would also include the following expenses up to the sub limits specified:
a) Dental Treatment 500 100 500 100 500 100
b) Medical Repatriation Included . Included . Included .
c) Repatriation of Mortal Remains Included . Included . Included .
d) Hospital Daily Allowance 30/ day for 15 days 48 hrs. 30/ day for 15 days 48 hrs. 30/ day for 15 days 48 hrs.
2)Total Loss of Checked Baggage* 1,000 100 1,000 100 1,000 100
Delay of Checked Baggage 100 12 hrs. 150 12 hrs. 200 12 hrs.
3) Loss of Passport 250 30 250 30 250 30
4) Personal Liability 100,000 200 100,000 200 100,000 200
5) Personal Accident** 20,000 NIL 25,000 NIL 25,000 NIL
6)Study Interruption 10,000 Nil 12,500 Nil 15,000 Nil
7)Accident To Sponsor 10,000 Nil 12,500 Nil 15,000 Nil
8)Compassionate Visit 8,000 NIL 9,000 NIL 10,000 NIL
Automatic Extension of Policy for 7 days Available . Available . Available .

*maximum amount to be reimbursed per bag is 50% maximum value per article contained in any bag is 10% of the sum insured

** Only 50 % of the sum insured in respect of death of the insured below age of 18 years

USGI Travel Insurance –Travel Asia

Travel Asia
. Gold Platinum
Section under the policy Sum Insured Excess Sum Insured Excess
Sum(s) insured in U.S.$ .
1) Health Cover - Medical Expenses 20,000 50 25,000 50
This Health Cover would also include the following expenses up to the sub limits specified:
a) Dental Treatment 200 50 250 50
b) Medical Repatriation Included . Included .
c) Repatriation of Mortal Remains Included . Included .
2)Total Loss of Checked Baggage* 250 Nil 250 Nil
Delay of Checked Baggage 100 12 hrs. 200 12 hrs.
3) Hijack Distress Allowance 125/day for 14 days 12 hrs. 125/day for 14 days 12 hrs.
4) Loss of Passport 100 15 150 15
5) Personal Liability 10,000 100 15,000 100
6) Personal Accident 7,500 NIL 10,000 NIL
Automatic Extension of Policy for 7 days Available . Available .

Notices and Claims

Any notice, direction or instruction given under this Policy shall be in writing and delivered by hand, post, or facsimile to:

Assistance Providers for Travel Insurance:

Coris Heritage Asia Pacific Pvt. Ltd.

Universal Sompo General Insurance Co. Ltd.

Express IT Park, Plot No. EL - 94, T.T.C. Industrial Area, M.I.D.C., Mahape, Navi Mumbai-400710

Toll Free Numbers: 1-800-224030 (For MTNL/BSNL Users) or 1-800-1024030 or 1-800-2004030

Landline Numbers:(022) 27639800 or (022) 41582900 or (022) 41582999 or (022) 39133700 (Local Charges Apply)

E-mail Address:This email address is being protected from spambots. You need JavaScript enabled to view it."> This email address is being protected from spambots. You need JavaScript enabled to view it.. Fax Numbers: (022) 41582929 or (022) 41582939

Claims Disclaimer

In the unfortunate event of any eventuality resulting into a claim on this Policy, please intimate the mishap IMMEDIATELY to Our Call Centre at Toll Free Numbers on 1-800-22-4030 (for MTNL/BSNL users) or 1-800-102-4030 or 1-800-200-4030 (other users) or on chargeable numbers at +91-22-27639800/+91-22-41582900/+91-22-41582999/+91-22-39133700. Please note that no delay should be allowed to occur in notifying a claim on the Policy as the same may prejudice liability.

In case of any discrepancy, complaint or grievance, please feel free to contact us within 15 days of receipt of the Policy.

For all your service requests e-mail us at This email address is being protected from spambots. You need JavaScript enabled to view it.">This email address is being protected from spambots. You need JavaScript enabled to view it..

Statutory Warning:

No person shall allow or offer to allow either directly or indirectly as an inducement to any person to take out or renew or continue an insurance in respect of any kind of risk relating to lives or property in India any rebate of the whole part of the commission payable or any rebate of the premium shown on the policy nor shall any person taking out or renewing or continuing a policy accept any rebate except such rebates as may be allowed in accordance with the published prospectuses or tables of the Insurer. Any person making default in complying with the provisions of this section shall be punishable with fine which may extend to Ten Lakh Rupees

Please note:

The prospectus contains only an indication of cover offered, for complete details on terms, conditions, coverages and exclusions please get in touch with us or our agent and read policy wordings carefully before concluding a sale. Insurance is a subject matter of solicitation.


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"IRDAI or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums”; “IRDAI does not announce any bonus”; “Those receiving such phone calls are requested to lodge a police complaint along with details of phone call and number”.