Product Benefits-Key Highlights

Benefits offered, their sub-limits and deductibles
 
 Product Benefit Table

 

 

All benefit limits are in USD unless specified

 

Details of all benefits have been provided below:

 

 

1.     Medical Expenses (including Medical Evacuation)

 

Following conditions are covered on actual expenses incurred subject to the limits specified in the policy schedule under this section:

1. OPD, Hospitalisation Expenses, Medical Practitioner’s charges, local emergency medical transportation and medical services for any illness or injury sustained while abroad.
2. Medical Evacuation to another better nearby location or to India subject to obtaining prior approval from our end. The medical evacuation shall be as a result of Accidental Bodily Injury and/or Sickness and/or Disease occurring or having first manifested itself during an Insured Journey. It will not cover rescue operations in case of natural calamities/riots when there is no emergency due to accident/sickness. This benefit is available as cashless benefit and not on reimbursement basis.
3. Any expenses due to Pre Existing Diseases will not be covered. Only in case of Life Threatening emergency, the expenses incurred abroad will be covered up to a max of USD2000.

Back to top

 

 2.     Sickness Dental Relief

 

The companywill cover actual expenses incurred resulting from sickness sustained to Sound Natural Teeth during a Trip abroad subject to the limits specified in the schedule under this section.Back to top

 

 3.     Accidental Death & Dismemberment (24 hours)

 

In case of death or disability arising out of and consequent (within 12 months) upon an injury sustained during the trip, the policy will pay the limits specified in the schedule under this section as per the benefit table mentioned below.

1. Death	100%
2. Permanent Total Disablement
Total and irrevocable loss of
(i) Both Hands or both feet	100%
(ii) sight of both eyes	100%
(iii) one entire hand and one entire foot	100%
(iv) Loss of either hand or foot and sight of one eye	100%
(v) Speech and hearing in both ears	100%
(vi) Either hand or foot	50%
(vii) Sight of One eye	50%
(viii) Speech	50%
(ix) Hearing in both ears	50%
(x) Thumb and index finger of the same hand	25%
(xi) Quadriplegia	100%
(xii) Paraplegia	50%
(xiii) Hemiplegia	50%
(xiv) Uniplegia	25%

 

In any case, the maximum liability of the company in the event of a claim shall not exceed 100% of the sum insured provided under this section.Back to top

 4.     Repatriation of Mortal Remains

 

In the event of the death of the Insured Person during the Trip due to illness/ injuries, which are insured events in terms of this Policy, the Company shall compensate for the transportation expenses reasonably incurred to return the mortal remains of the Insured Person to the place of residence in the Republic of India or the expenses for local burial or cremation in the country where the death occurred, subject to the limits specified in the schedule under this section.Back to top

 

 5.     Delay of Checked-in Baggage 

 

The Company will reimburse up to the limits specified under this section in the policy schedule for necessary emergency purchase of essential clothes, toiletries and essential medicines in the event that the Insured Person suffers a delay of more than 6 hours from the Scheduled Arrival time at the destination for delivery of Baggage that has been checked by a Common Carrier for an international outbound flight from the Republic of India. This benefit is only payable on outward journey from India and not on return journey to India. Amount payable will be only in excess of any amount paid or payable by the carrier responsible for the delay/loss. This benefit shall be payable only once during the policy period irrespective of the number of intermittent trips undertaken by the insured.Back to top

 

 6.     Loss of Checked-in Baggage

 

The Company will reimburse up to the limits specified in the Schedule of the policy in the event of the Insured Person suffering Total Loss of entire piece of Checked in Baggage which is under the care control and custody of the Common Carrier, while the Insured Person is a ticketed passenger on the Common Carrier during the course of the Insured Period. Any amount payable will be in excess of any amount paid or payable by the Carrier responsible for the loss and/or in excess of all other valid and collectible insurance. The maximum amount reimbursable per bag is 50% of the Sum Insured   and the maximum value per article contained in any bag is 10% the Sum Insured.Back to top

 

 7.     Loss of Passport

 

In the event that the Passport, Visa belonging to the Insured Person is lost, the Company will reimburse up to the limit mentioned in the Schedule to cover only the direct expenses necessarily and reasonably incurred in connection with obtaining emergency travel documents in lieu of passport /visa or duplicate or new passport. Any loss should be reported to local Police within 24 hours.Back to top

 

 8.     Personal Liability

 

In the event of the Insured Person becoming legally liable to a Third Party (under statutory liability provisions or in common law for an incident which results in death, injury of such third party or damage to his/ her properties), the company will compensate the Insured person up to the limit specified, provided the incident occurs during the Period of Insurance and whilst on a Trip abroad and provided that the claim is reported to the Company immediately.Back to top

 

 9.     Trip Delay

 

The Company will pay a lump sum subject to the limits specified in the policy schedule under this section, if the Insured Person’s Common Carrier commencement is delayed for more than 6 continuous hours due to any Covered Occurrence. This section provides coverage both for inbound and outbound journey out of India. This benefit shall be payable only once during the period specified in the policy schedule.

 

Covered occurrence shall mean the following:

      i.        Earthquake.

     ii.        Lighting, Storm,  Tempest, Typhoon, Hurricane, Inundation, Subsidence

    iii.        Landslide and rockslide

    iv.        Avalanche

     v.        Floods resulting from unseasonal rains, storm or cyclone.

    vi.        Terrorism.

   vii.        Tsunami

  viii.        Volcano Eruption

 

provided that, the named perils hereinabove shall take place at and in the vicinity of any port involved in the Trip; and Cancellation or rescheduling of flights done at the instance of the  Common Carrier that causes delay.Back to top

 

 10.  Hijacking Benefit

 

A lump sum amount is payable subject to the limits as specified in schedule for each 24 hours in captivity in the event of any Common Carrier, in which the Insured Person is traveling being hijacked on the trip abroad and held captive for more than 12 continuous hours.Back to top

 

 11.  Compassionate Visit 

 

The company shall subject to the limits specified under this section, when  insured person is hospitalized on account of an illness/accident for a period exceeding 5 days and as opined and recommended by the attending Medical Practitioner requires special assistance from an immediate family member, shall reimburse the cost of the economy class flight ticket incurred by the  immediate family member  rendering such special assistance from and to the place of residence/origin of such person together with accommodation expenses not exceeding 200 USD/day. This benefit shall be payable only once during the policy period.Back to top

 12.  Missed Connections/Missed Departures

 

The Company will reimburse cost of reasonable expenses towards actual boarding and lodging incurred if the insured misses the connecting flight at intermediate port due to a delay beyond 12 hours from the original schedule by the outbound air craft from India in which insured is expected to travel, caused by Inclement weather, Equipment failure of the common carrier, strike or other job action by employees of the airlines. This benefit shall be payable either for a Missed connection or departure and not for both.Back to top

 13.  Assistance Services

 

The Company shall provide assistance services such as Overview of country, Weather, Currency Exchange Rates, Vaccinations etc.Back to top

 

 14.  Study Interruption 

 

In the event of Hospitalization of the insured person of 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 in case of the death of an immediate family member, which prohibits the Insured Person from continuing his/her studies for the remaining part of a school semester for which Tuition fee has been paid, the Company shall reimburse the Insured Person the Tuition fees which has already been advanced to the educational institution, up to the amount stated in the Policy Schedule.Back to top

 

 15.  Sponsor Protection

 

In the event of injury to the Insured Person’s Sponsor as stated in the Enrolment Form resulting in Death or Permanent Disablement as defined in the Policy, the Company shall reimburse the insured person the Tuition Fee incurred for the remaining period of this education up to the maximum limit stated in the Schedule of benefits.Back to top

 

 16.  Bail Bond

 

The Company will pay bail bond costs that the insured person incurs, as a result of any inadvertent law breaking or false arrest or wrongful detention during his/her travel overseas, by any government or foreign power up to the amount stated in the Policy Schedule.Back to top

 

 17.  Felonious Assault (Accidental Death & Dismemberment)

 

Felonious Attack means any wilful or unlawful use of force upon You that is a felony or a misdemeanour in the jurisdiction in which occurs and which results in bodily harm to You. We will pay a percentage of the Principal Sum shown in the Schedule if Injury to You results in one of the losses shown in the Table of Losses below due to a loss as a result of a Felonious Assault during Your Trip. The loss must occur within 365 days of the date of the accident which caused Injury. We will pay, provided such disability has continued for a period of 12 consecutive months and is total, continuous and Permanent at the end of this period, the Principal Sum less any other amount paid or payable under: Accidental Death & Dismemberment sections of this Policy, if these coverages are offered under this Policy, as the result of the same Accident.Back to top

If more than one loss results from any one accident, only one amount, the largest, will be paid.

 

 18.  Maternity benefit

 

Coverage is towards Inpatient Medical expenses related to termination of pregnancy as a result of physician's advice to terminate pregnancy due to medical reasons and not due to insured person's choice to terminate pregnancy, subject to waiting period of 10 months from the effective date of Policy.Back to top

 

 19.  Treatment for mental and nervous disorders: including alcoholism and drug dependency

 

Medical expenses related to treatment for mental and nervous disorders, including alcoholism and drug dependency are covered subject to maximum amount as provided in the schedule of BenefitsBack to top

 

 20.  Cancer screening and mammography examinations

 

Coverage is towards reasonable and customary charges incurred for the Cancer Screening and mammographic examination which are done on recommendation of a physician. Any tests done as a part of preventive health check-up are not included under this benefit.Back to top

 

 21.  Child Care Benefits

 

Coverage is towards hospitalization of an Insured’s child who is in between the age of 7 days - 90 days and is hospitalized for 2 days or more for any aliment.Back to top

 

 22.  Coverage for pre-existing conditions Accident & Sickness

 

Medical expenses due to Pre-existing Condition in case of Life threatening unforeseen emergency subject to maximum amount as provided in the schedule of benefits. In such event, measures solely designed to relieve acute pain, provided to the Insured by the Physician for Disease/accident arising out of a pre-existing condition would be reimbursed. The treatment for these emergency measures would be paid till the insured becomes medically stable or is relieved from acute pain.Back to top

 

 23.  Ambulance charges

 

Coverage up to the limits specified under this section of the policy is for Ambulance charges by road from home to hospital and back in the case of illness and from place of accident to hospital and then back to residence when being discharged. In both sickness and accident cases inter hospital shift through ambulance is admissible. Ambulance charges shall be admissible only in the event of an admitted claim under Medical Expenses or Accidental Death and Dismemberment benefit sections.Back to top

 

 24.  Physiotherapy

 

Coverage is for the ongoing physiotherapy to treat a disablement due to an accident which treatment continuance is recommended in writing by the treating registered medical practitioner.Back to top

 

 25.  Loss of Laptop

 

The Company will indemnify the Insured for the loss due to Theft, subject to sum insured/limit under this section. The claim shall be settled at present market value of the laptop at the time of the loss, which will be arrived at by depreciating the replacement value of the laptop by 25% per annum or any part thereof.Back to top

 

Key Exclusions:

 

The Company shall not be liable to make any payments in respect of:

1. Any claim relating to events occurring before the commencement of the cover or otherwise outside of the Period of Insurance.

2. Any claim in respect of Pre-existing conditions (excepting in case of life threatening situations up to a maximum of USD2000).

3. Any claim arising out of illnesses or Accidents that the Insured Person has caused intentionally or by committing a crime or as a result of drunkenness or addiction (drugs, alcohol).

4. Any claim arising from the Insured Person engaging in Air Travel unless he/she flies as a fare paying passenger on an aircraft properly licensed to carry passengers. For the purpose of this exclusion Air Travel means being in or on or boarding an aircraft for the purpose of flying therein or alighting there from following a flight.

5. Any claim for any losses in whole or in part and/expenses directly or indirectly in respect of the Insured Person riding on a motor cycle or any other two-wheeled and two-wheeled motorized mode of conveyance as driver unless at the time of the Accident the insured is in possession of a currently valid full international driving licence and while riding a two wheeler is wearing a safety crash helmet and following rules applicable in the country of visit.

6. Illness and Accidents that are results of war and warlike occurrence or invasion, acts of foreign enemies, hostilities, civil war, rebellion, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power, seizure, capture, arrest, restraints, detainments of all kings princes and people of whatever nation condition or quality whatsoever.

7. Any claim up to the Excess as shown in the Policy Schedule.

8. Any claim for participation in Hazardous Sports/Hazardous Activities

9. Any claim arising out of sporting activities in so far as they involve in training or participation in competitions of professional or semi- professional sports persons

 

Please note that this list is not exhaustive. Please refer to the policy terms and conditions for the complete list of exclusions.