Travel Insurance is a service provided by insurance companies as coverage against any losses accrued during travel or from any unforeseen risk. It protects you from financial losses and others like
baggage loss, flight delay or cancellation, theft, accidental demise, the occurrence of natural calamities, medical emergencies, and many more. When traveling alone or with family, it is always
advisable to take travel insurance to travel without any fear and to make your journey more enjoyable.
COVER Indemnify for (Sickness/ Accidental) Usual, Reasonable and Customary expenses up to Sum Insured shown in the Policy Schedule under specified conditions mentioned in the event of medically
admissible sickness /illness/disease first sustained or contracted while you are on your Insured Trip within the Policy Period.
Medical Expenses -are any costs incurred in treatment of injury or disease.
Medical Evacuation - provides for medically necessary evacuation to a medical facility in India,
Repatriation of Mortal Remains -provides for transportation necessary to return the deceased body/remains to his or her Place of Stay or to a nearby funeral or cremation facility.
The deductible as specified in the Policy Schedule in respect of Medical Sickness/ Accident will apply for each and every claim which You will have to self-pay and this amount cannot be claimed.
Medical Expenses :
1. Few are mentioned below
2. Hospital Room, boarding and nursing
3. Use of Operation Theatre, emergency room and Ambulatory Medical Facility
4. Doctors’ Fees, physicians’ services including chiropractitioner, psychiatrist
5. Medical expenses including laboratory tests, therapeutics, anesthetics (Including procedure administration), transfusion
6. X-rays, CT/ MRI Scans etc.
7. Day care expenses
8. Out Patient Department expenses (OPD)
9. Local emergency medical transportation including ambulance services.
10. Pharmacy bills for prescribed medicines and drugs.
Emergency Medical Evacuation:
Company will indemnify you for medically eligible and necessary expenses incurred to evacuate you from overseas medical facility to a medical facility in India, and to continue medical treatment commenced by you outside India.
Repatriation of Mortal Remains:
In any unfortunate event leading to death, eligible expenses shall be paid for transportation of a deceased body/mortal remains and personal belongings back to India,reasonablepreparation of the body for transportation with minimally necessary container appropriate for transportation or cremation or embalming and other permissions and paperwork associated with it.
Usually above 50/55/60 years of ages Sub-limits are applicable with various plans :: The sub-limits will apply per hospitalization/OPD on Hospital Room rent, Emergency Room rent, Board and hospital miscellaneous,
Intensive Care Unit rent, Surgical Treatment cost, Anesthetist Services, Consultation Charges, Diagnostic and Testing charges, Ambulance Services etc.
On Payment of additional premium, few Company/Plan have options and declares that the Policy shall provide a waiver of sub-limits for age above 50/55/60 years as per the policy terms mentioned can be provided.
PRE- EXISTING ILLNESS AND INJURY COVER:
Any pre-existing condition or any complication arising from it are not covered in the Policy terms (unless specifically covered under certain plans that are purchased by the insured). It is extremely important to disclose all ongoing and past medical history in good faith while choosing travel insurance and chose plan wisely so that you can be benefited if any such emergency situation arises.Few Companies have limited covers for PED related emergency medical treatment in lifethreatening situations.On Payment of additional premium to us, We hereby agree and declare that this Policy is extended to indemnify You for Section “Sickness Medical Exigencies” and “Accidental Medical Exigencies” indemnifying Pre-existing illness/injury and its related complications up to limit specified in Policy Schedule.
SPORTING ACTIVITIES COVER
You engage in any sporting activity for training or participation in professional or semi-professional sports competitions outside of India provided this being declared beforehand in the proposal form and agreed by the
Company subject to additional premium. Coverage extended under Sporting Activities Cover are Personal Accident and Accidental Medical Exigencies
EMERGENCY DENTAL PAIN RELIEF
Covers emergency dental expenses incurred in connection with any injury while on your trip or due to sudden acute pain to one or more teeth, first sustained or contracted whilst on Insured trip and requires immediate
medical attention for getting relief from such pain.
HOSPITALIZATION DAILY ALLOWANCE:
Daily allowance is a per day compensation paid to the Insured in the event of hospitalization. Its an extra specified amount per day of stay at the hospital to meet numerous incidental expenses such as attendants meals,transportation and communication incurred etc.
This cover pays for the to and fro economy class cost of transportation expenses of one family member or friend or relative or Doctor to meet you when You are hospitalised while travelling.
In the event of Accidental Injury or Sickness requiring Your hospitalisation, Company will reimburse up to the Sum Insured shown in the Policy Schedule for the actual cost of to and fro economy class cost of ticket for one of
the family member of Yours via Common Carrier, provided no family member or relative or friend is there to attend your medical emergency during Your visit overseas, only once in entire Policy Period.
Cover pays for the accommodation expenses of one family member, who travelled to take care of You when You are hospitalised while travelling in the event of Accidental Injury or Sickness.
RETURN OF MINOR CHILDREN:
Cover pays travel expense of economy class incurred to return Your child/ children ( Max 2 upto 15 Years ) to India if You are hospitalized abroad In the event of Accidental Injury or Sickness requiring Your hospitalisation, Company will reimburse you for travel expenses excluding refund received on scheduled departure tickets, up to the Sum Insured shown in the Policy Schedule.
Cover provides compensation in the event of defined disability or death caused solely by Accident. This section does not apply to trips within India.
DEATH: Due to accidental Bodily Injury
DISAPPEARANCE: In the event of Your disappearance, disappearance shall be deemed as death after eighty-four (84) months.
PERMANENT TOTAL DISABILITY: completely disabled due to accidental bodily injury, You sustain and results in permanent total disability within twelve (12) months from the Date of Incident,
Loss of the sight of both eyes
Physical separation of or the loss of ability to use both hands or both feet
Physical separation of or the loss of ability to use one hand and one foot
Loss of sight of 1 eye and the physical separation of or the loss of ability to use either 1 hand or 1 foot
PERMANENT PARTIAL DISABILITY
Who are not totally disabled but who have some type of lasting impairment within twelve (12) months from the Date of Incident, ( Claim as per percentage of Sum Insured as per Table given)
Lifestyle Modification Benefit
Indemnify for lump sum Benefit and “Children Education Benefit” (lump sum Benefit as mentioned in Policy Schedule towards the cost of education of Your dependent children ) as extension to “Personal Accident”
ACCIDENTAL DEATH & DISABILITY- COMMON CARRIER (AD&D)
Provides additional compensation in the event of Permanent Total Disability, Permanent Partial Disability or Death of Insured caused solely by Accidental Injury while travelling in Common Carrier. This section is not applicable
for trips within India.
TRIP AND EVENT CANCELLLATION:
This cover will compensate You for costs that have been paid or are payable and cannot be recovered if Your trip is completely cancelled. In case of necessary and unavoidable conditions as per policy terms, cancellation of your insured trip from India prior to its commencement, Company will indemnify for the financial losses arising out of followings like, cancellation of accommodation, cancellation of pre-booked events, tours, excursions and activities etc.
It cover will compensate you for costs that have been paid or are payable and cannot be recovered in case You had to change travel plans. In case of necessary and unavoidable change of plans after commencement of the journey, Company will indemnify you for the financial losses incurred within the policy period arisen due to your early return towards difference in air fare payable, cancellation of accommodation, events, tours, excursions and activities, en-route emergency accommodation extension. Conditions are death or minimum two days of hospitalization of you or your family member or Travel Companion or Weather conditions like Storm, Flood, Hurricanes, or Natural Disaster or Involuntary loss of Job and or retrenchment etc. considered in policy, political disturbance, Travel prohibition declared by Government and or Airline Authorities which was not publicly known before policy issuance date. Or loss of passport/Visa etc.
To compensate expenses related to missing of a connecting flight, a fixed amount as mentioned in Policy Schedule in case of Your failure to board the connecting flight as per itinerary, any time during the Trip within the Policy Period, arising out
of and consequent upon the delayed arrival of the earlier flight caused by reasons beyond Your control and the scheduled time difference between the two flights is more than 4 hours.
Covers will compensate You in case Your trip is extended beyond original schedule due to listed reason incurred for accommodation and transportation expenses. Costs of Hotel accommodation and difference in Airfare
between original return ticket and new ticket of economy class for You and Your travelling companion insured with us up to the limits mentioned in the Policy Schedule if Your trip is extended due to Death or serious injury
requiring minimum two days of hospitalization inclement Weather conditions like Storm, Flood, Hurricanes, or Natural Disaster which is not publicly known before policy issuance date or Political disturbance, Travel prohibition
declared by Government and or Airline Authorities which is not publicly known before policy issuance date etc.
Covers the monetary loss upto the Sum Assured mentioned in the Policy Schedule in case of ticket overbooking ( ticket is overbooked by airlines ) resulting in you being denied to board the scheduled flight subject to
overbooking is confirmed by respective airlines authority in writing.
LOSS OF CHECKED-IN BAGGAGE
The most important thing for a traveller is the luggage or baggage items of the traveller which are of prime importance to him. This benefit cover compensate monetary loss in respect of the complete and permanent loss of
Your Checked-In Baggage including contents therein, if the airline loses Your checked in baggage. You must obtain a relevant property irregularity report (PIR) from the Airline and submit the same along with claim
documents. Insurance liability shall not arise until liability is admitted by the Airline and supported by documentary proof issued by Airline.
DELAY OF CHECKED-IN BAGGAGE
Cover provide You a fixed benefit in case the airline delays Your checked-in baggage, upto the Sum Insured mentioned in the Policy Schedule in case Your checked-in baggage is delayed beyond the deductible hour
mentioned in the Policy Schedule.
MISCELLANEOUSCONTINGENCIES
LOSS OF PERSONAL BELONGING
This cover compensates for the replacement cost in case of theft/ robbery of Your baggage during Your overseas trip. INCLUDING DEVICES OF PERSONAL USE VIZ MOBILE, LAPTOP, IPAD etc. Insurance indemnify your
loss or damage to Personal Belongings due to theft, larceny, robbery or hold up at international airport and or anywhere outside India during the Policy Period.
Covers the costs incurred for which You are legally liable if You cause a loss or damage to property of third party. Company indemnifies you up to the Sum Insured specified in Policy Schedule against any claim of legal
liability incurred by you in your private capacity to pay damages for third party Civil Claims arising out of Accidental Bodily Injury or Accidental Property Damage occurring during an Insured Journey in the Policy Period.
Liability must be determined by a foreign court of law. In the event of any legal action taken against you, you must give immediate written notice to the Insurance Company and work in close coordination with the claim team.
LOSS OF PASSPORT/ DRIVING LICENSE
It indemnifies necessary and reasonable cost of replacing Your passport and or Driving License costs you incur in getting a replacement passport/Driving License/temporary permit (this would include travel costs to respective
Government Office incurred to obtain for Passport/ Driving License) ) subject to maximum of Sum insured specified in Policy Schedule. Receipts for all related costs incurred by You must be submitted to company.
CAR HIRE EXCESS INSURANCE
If You hire a car and it gets damaged or stolen, this cover can compensate You for excess charges imposed by the car rental company. Company pays up to the Sum Insured specified for the excess / deductible, You may
have to pay under a car rental agreement and or b) additional costs You may be liable to pay over and above the amount. Insured must be named as the lead driver on the car rental agreement and must hold an international
driving license which must be effective at the time of incident and insured must have taken possession of the rental car etc.
ALTERNATIVE TRANSPORT EXPENSES
Company will pay Sum Insured stated in Policy Schedule for alternate accommodation and transport taken because of cancelled, delayed, shortened or diverted Scheduled Transport Arrangement (air or sea transport
arrangement booked and confirmed by the respective provider before inception of Journey from the India, you had booked to travel to reach on time to any event or prepaid travel/tour arrangements.
Cover pays prosecution cost for claiming damages or compensation against third party. Company shall indemnify You / Your legal heir for prosecution cost incurred on claiming damages or compensation against third party
responsible for Your death, illness or injury. Company indemnifies to you/your legal heir up to amount stated in your Policy Schedule for 1. Nominating an appointed advisor and 2. Prosecution costs for legal action on behalf
of You / Your legal heir.
In case of unavoidable cancellation of Your day(s) itinerary in Your Insured trip overseas due to adverse and unpredicted weather conditions which lead to contingency like and not limited to public transport failing, roads being
blocked offen route and hence mandated You to stay in the Hotel for complete day, the Company will pay the Sum Insured specified in the Policy Schedule.
Cover agrees that the insurer shall pay the Sum Insured shown in the Policy Schedule for celebration of achieving a hole-in-one in a United States Golfers’ Association (USGA) recognized golf course, anywhere in the world
excluding India.
If you not getting hotel stay booked on confirmed basis with the suppliers, company will reimburse You for the cost of, expenses relating to transportation to the alternative hotel, Cost of difference in booking alternate hotel
stay or one level upgrade in case of non-availability of the equivalent accommodation type, up to the Sum Insured stated on the Policy Schedule.
If You are detained by hijackers following hijacking of any Aircraft in which You were travelling, company will pay the Sum Insured specified in the Policy Schedule. This need to confirmed and declared by government and or
airlines authority.
EMERGENCY CASH ASSISTANCE SERVICE
This is only an assistance service provided when you require emergency cash flow following incidents like theft/burglary of luggage/money or hold up. company ourselves or through our Claims Administrator shall co-
ordinate with Your relatives in India to provide emergency cash to You or collect the amount & arrange for the transfers up to the limit specified in the Policy Schedule.
As soon as the theft/burglary of luggage/money occurs, FIR should be registered with the local police authority and intimation should be received by company/TPA to arrange for transfer of funds through a variety of sources,
after the confirmed of Credit trasaction, administrative cost incurred if any for the transfer of funds shall be deducted from the collected amount and balance will be made available to insured.
Cover pays for extension of Your pet’s stay in pet house in India due to listed covered perils.
Company will reimburse you against expenses incurred for extended stay of Your pet in the pet house in India as a result of your final booked return journey to India is delayed for more than 24 hrs due to inclement weather,
strike, Political Disturbance, Compulsory quarantine by Government, Airline’s acts of omission / commission or mechanical breakdown of the aircraft on which You were scheduled to travel on or You or Your travelling
companion’s (insured with us) Hospitalization in overseas facility or death due toSickness / Accidental injury due to which You were not able to return back on scheduled arrival date. You need to obtain written confirmation
from appropriate transport authority stating the reason for delay & how long the delay lasted except for Your Sickness/ Accident for which You have to submit medical documents for your Hospitalization and You must keep all
receipts for fees paid to Pet house on account of such delay.
HOME BURGLARY AND ROBBERY INSURANCE
The Company will indemnify the Insured in respect of the loss of or damage to the Insured Property belonging to the Insured Beneficiary stored or lying in the Insured Premises caused by actual or attempted Burglary and/or
Robbery during the Policy Period.
STANDARD FIRE AND SPECIAL PERILS COVER
Notwithstanding what is mentioned in these Policy Wordings, for the purposes of this Section, in case of contradiction of these Policy Wordings with the provisions of Bajaj Allianz General Insurance Company Ltd Bharat Griha
Raksha Policy Wordings annexed hereto, then the Bajaj Allianz General Insurance Company Ltd Bharat Griha Raksha Policy Wordings annexed hereto shall prevail over these Policy Wordings.
Waiver of Condition of Average for “Home Burglary and Robbery Insurance”
Condition of average shall be waived off for this cover since in such case there would be no specific declaration from the Proposer towards the value at risk of the respective assets to be insured.
A:: Flight Delay for International Travel
In consideration of the payment of additional premium for below mentioned Plan(s) opted by you, it is hereby agreed and declared that terms and conditions of respective Plan will be applicable for Covers displayed on your
Policy Schedule:
B:: Flight Delay for Domestic Travel (Within India Only)
If Public Aircraft on which Insured/ Insured Person/Beneficiary is travelling within India and or his/her connecting flight(s) during Insured Journey is delayed beyond the time deductible opted by the Insured from the original
scheduled departure time for whatsoever reason within policy period, the Company will pay the sum as per the below table.
ALL RISK TRIP AND EVENT CANCELLATION
In case of necessary and unavoidable cancellation of Your insured trip from India prior to its commencement due to events which are sudden and unpredicted, which are paid or contracted to be paid by you and are not
recoverable from any source, subject to limits and co- payment shown in the Policy Schedule. Company will indemnify You for the financial losses arising out of following:
·cancellation of accommodation,
·cancellation of pre-booked events, tours, excursions and activities,
·International SIM card charges,
General Exclusions Applicable to All Sections No liability to make payment in respect of any Claim
1.The Insured Person’s participation in any naval, military or air force operations
2.War, invasion, acts of foreign enemy, hostilities (whether war be declared or not), civil war, civil unrest, rebellion, revolution, insurrection, military or usurped power or confiscation or nationalization or requisition of or
destruction of or damage to property by or under the order of any government or local authority.
3.The loss or destruction or damage to any property whatsoever or any loss or expenses whatsoever resulting or arising there from or any consequential loss directly or indirectly caused by or contributed to or arising
from:
Ionising radiation or contamination by radioactivity form any nuclear waste from combustion of nuclear fuel; or
The radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof, or Asbestosis or any related Sickness or Disease resulting from the existence, production,
handling, processing, manufacture, sale, distribution, deposit or use of asbestos, or products thereof.
4.The Insured Person’s actual or attempted engagement in any criminal or other unlawful act.
5.Any consequential losses.
6.In respect of travel by the Insured Person to any country against whom the Republic of India has imposed general or special travel restrictions, or against whom it may impose such restrictions, or any country which has
imposed or may impose subsequently, such restrictions against travel by a citizen of the Republic of India to such country.
7.The Insured Person engaging in air travel unless he flies as a passenger on an Airline. 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.
I.ACCIDENTAL CONTINGENCIES
1.Accidental bodily injury arising on account of alcoholism, drunkenness or the abuse of drugs.
2.Your participation in riding or driving in races or rallies unless opted for “Sporting Activities Cover
3.Losses arising directly or indirectly on account of engagement in any criminal or illegal act.
4.Whilst You are engaged in adventure sports in a non-professional capacity unless under the supervision of a trained professional.
5.Your participation in any sport activities in a professional capacity unless opted for “Sporting Activities Cover
6.Suicide, attempted suicide or willfully Self-inflicted injury or Illness
7.Expenses incurred due to Accidents as while driver/rider on motorized vehicles unless at the time of the Accident he/she is in possession of a current full international driving license and while riding a two wheeler You
are wearing a safety crash helmets if this is required by local regulations.
II.“SICKNESS MEDICAL EXIGENCIES” AND “ACCIDENTAL MEDICAL EXIGENCIES”
The Company shall be under no liability to make payment in respect of-
1.Any routine physical or other examination, vaccination, vitamins where there is no objective indication of impairment of normal health
2.Any routine dental examination, corrective treatment to previously fitted dental implants, bridge, caps prior to policy inception date, dental pain relief or treatment unless rendered necessary due to accidental injury
requiring hospitalization.
3.The cost of spectacles, contact lenses,
4.Any medical treatment obtained in India except that is covered under sub-section Emergency Medical Evacuation
5.Any medical Evacuation undertaken without the consent of the Insurer.
6.Any Claim arising when You are:
·Travelling against the advice of a Physician; or
·Receiving or on a waiting list for specified medical treatment declared in the Physician’s report or certificate provided by You in Your proposal; or
·Travelling for the purpose of obtaining treatment; or
·Receiving treatment for a terminal medical condition
·Routine medication which commenced before Your trip start
7.Any Pre-existing ailment or disease unless opted for “Extension 3: Pre- Existing Illness And Injury Cover”
8.Suicide, attempted suicide or willful Self-inflicted injury or Illness.
9.Any mental retardation.
10.Alcoholism, drunkenness or the abuse of drugs and or intoxicating substances. Waiver is provided for student plan if optional cover for the same is opted by Insured Student.
11.Pregnancy, resulting childbirth, miscarriage, abortion, medical termination of pregnancy or complication arising out of any of the foregoing. Waiver is provided for student plan if optional cover for the same is availed by
Insured Student.
12.Any Fertility, sub fertility, impotence, assisted conception operation or sterilization procedure.
13.Whilst You are engaged in adventure sports in a non-professional capacity unless under the supervision of a trained professional
14.Your participation in any sport activity in a professional capacity unless opted for Sporting Activities Cover
15.Your participation in riding or driving in races or rallies
16.Expenses incurred due to Accidents as a driver/rider on motorized vehicles unless at the time of the Accident You are in possession of a current full international driving license and while riding a two wheeler You are
wearing a safety crash helmet if this is required by local regulations.
17.Losses arising directly or indirectly from manual work or hazardous occupation, self-exposure to needless peril (except in an attempt to save life)
18.Losses arising directly or indirectly from engaging in any criminal or illegal activities.
19.Cost of Experimental, unproven or non-standard treatment.
20.Treatment by any other system other than modern medicine (also known as Allopathy).
21.Weight management services and treatment related to weight reduction programs including treatment of obesity and its complications.
22.Congenital anomalies or any complications or conditions arising there from.
23.Cosmetic surgery unless required due to accidental injuries.
III.EMERGENCY DENTAL PAIN RELIEF
The Company shall be under no liability to make payment in respect of
1.Any routine dental examination
2.Any Pre-existing ailment or disease
3.Dentures including dental crowns, inlays and onlays
4.Dental treatment that goes beyond treatment for pain relief as well as prophylactic dental treatment including plaque removal
5.Corrective treatment incurred due to previously fitted dental implants, bridge, caps prior to policy inception date.
6.Any cosmetic dental treatment.
IV.TRIP AND EVENT CANCELLATION:
1.Involuntary loss of Job due to any criminal activity, moral hazards, disciplinary action, non-performance and retirement.
V.LOSS OF CHECKED-IN BAGGAGE
1.Accompanied or cabin luggage
2.Partial destruction of baggage or contents missing from the baggage.
VI.LOSS OF PERSONAL BELONGING:
1.Loss due to Your negligence, or acting in a non-prudent manner, or leaving personal belongings unattended
2.Loss to Jewellery, coins or curios, Gold or silver or any precious metals or articles made from any precious metals; bonds, cheques, money, financial loss on account of loss of debit card, credit card, pre- paid/ forex
cards or any other negotiable instrument.
3.Loss or damage arising for any reason, other than Theft
4.Loss or theft which has not been reported to the Police within 24 hours of discovery.
5.Loss or damage caused by delay, wear and tear, moth, vermin, atmospheric or climatic conditions, deterioration or electrical or mechanical derangement of any kind.
6.Loss or damage caused by Spilled fluid from cosmetic or beverage containers whilst in the baggage.
7.Loss to Hired or borrowed property or equipment or Personal belongings entrusted to a third party.
8.Claims arising from confiscation or detention by customs or other law enforcement officials and authorities.
9.Claims in respect of documents of any kind.
10.Items which have not been noted on the police report, or Property Irregularity Report
11.Liability in respect of a pair or set of articles where we shall be liable only for the value of that part of the pair or set which is lost or damaged.
12.Breakage, Cracking or Scratching of Musical Instruments and similar articles of brittle or fragile nature unless caused by the Insured Peril.
13.Loss or damage to software or data or any other material including pictures stored in the Laptops, Mobile Phones, Cameras, I-pads, I-pods etc.
14.Loss of Checked-in baggage, passport
15.Any consequential loss or damage, loss of use, delay or loss of markets, loss of income, depreciation, reduction in functionality, or increased cost of working;
16.Loss arising out of mysterious disappearance of the personal belongings
17.Losses due to Your willful acts or willful act of any other person with or without Your connivance.
1.Your liability towards Your employees (whether under a contract of or for services);
2.Bodily Injury to and/or Property Damage to property belonging to the Your Family or Travelling Companion.
3.Any liability for Bodily Injury and/or Property Damage arising directly or indirectly from or due to:
iLivestock belonging to You or in Your care, custody or control;
iiAny willful, malicious, criminal or unlawful act, error, or omission;
iiiThe pursuit of any trade, business of profession, employment or occupation;
ivOwnership, possession or use of vehicles, aircraft or aerial devices, or watercraft or hovercraft;
vDue to Your being involved in any other dangerous or hazardous activity;
viUse or misuse of alcohol, any hallucinogenic substance, drugs (except those used as medically prescribed), or drug addiction;
viiSupply of goods or services;
viiiAny form of ownership or occupation of land or buildings (other than occupation only of any temporary residence).
ixAny professional liability arising out of Your professional activities.
VIII.LOSS OF PASSPORT AND DRIVING LICENSE
We shall be under no liability to make payment for:
1.Loss or damage to Your passport/ Driving License as a result of the confiscation or detention by customs, police or any other authority
2.Loss which is not reported to the appropriate police authority within 24 hours of the discovery of the loss, and in respect of which an official report has not been obtained.
3.Loss caused because of Your negligence
IX.CAR HIRE EXCESS INSURANCE
iThe incident is not reported to an appropriate police authority as soon as reasonably possible or where an official police report has not been obtained, if required by local law;
iiany claim arising from wear and tear, gradual deterioration, insect or vermin attack/infestation, hidden defect or inherent damage of the rental car;
iiiany claim as a result of mechanical or electrical breakdown, other than towing costs;
ivany damage to the rental car’s interior unless the damage is as a result of an accidental collision, fire, theft or vandalism;
2.Any loss claimed for vehicle other than the rental car (as specified on the car rental agreement)
X.ALTERNATIVE TRANSPORT EXPENSES
1.The cancellation, delay, shortening or diversion of Your scheduled transport arising from the financial collapse of any transport, tour or accommodation provider
2.If You failed to check in or reach to the transportation destination/pick up point within stipulated time
3.Any action or detention or travel prevention by Airlines Authority.
4.Non Scheduled Transport Arrangements which are from unscheduled transport services of passengers which operates without fixed and published Schedule at an hourly/ per mile / kilometer charge.
1.Trigger event should not be on account of Your involvement.
2.Reported to us more than 48 hours after the event giving rise to the claim;
3.Where the cost of legal action could be more than the settlement; unless You take all necessary measures towards expeditious disposal of the dispute.
4.Involving legal action between members of the same household, an immediate relative, a travelling companion or one of Your employees;
5.Against a travel agent, tour operator or carrier, us, the insurer, another person insured by this policy or our agents.
6.Legal costs and expenses incurred in pursuit of any claim against us, our Assistance or our agents, someone You were travelling with, a person related to You, or another Insured.
Any consequential liability or expenses incurred on account of mishandling and/or improper care of pet.
XIII.HOME BURGLARY AND ROBBERY INSURANCE
No indemnity is available hereunder for any Claim directly or indirectly caused by, based on, arising out of or howsoever attributable to any of the following
1.The deductible of first 5% of each and every claim amount subject to a minimum of INR 1,000 excluding Jewellery, unless specifically revised and altered by the Insurer and mentioned in the Policy Schedule. The
deductible shall apply for each and every loss arising out of the perils in respect of which the Insured Beneficiary is indemnified by this section. The deductible shall apply per event per Insured Beneficiary.
2.Any loss or damage covered and/or recoverable under other Sections of this Policy.
3.Earthquake, flood, storm, cyclone or other convulsions of nature or atmospheric disturbances.
4.Any consequential losses of any kind, be they by way of loss of profit, business interruption, market loss or otherwise, and any other legal liability of any kind.
5.Contents from any safe following the use of a key to gain access to the safe, or any duplicate thereof belonging to the Insured Beneficiary unless such key has been obtained by Robbery.
6.Loss or damage caused by theft.
XIV.ALCOHOL AND SUBSTANCE ABUSE -
1.Any treatment taken for de-addiction will not be covered under the policy.
2.Medical Emergencies, complications and injuries arising out of use of Psychoactive Substance which do not fall under Exempted substances under local legislation.
GENERAL / SPECIFIC TERMS AND CLAUSES
Automatic Extension of the Policy Period will be granted up to a period of 7 days, from the policy expiry date, if the extension is necessary, due to delay by the Scheduled Airlines, which is beyond the control of the Insured
Person, and no alternative air transportation is made available to the Insured due to Inclement weather, political instability and terrorism. Claims arising under “Medical Exigency” Cover will be excluded from the scope of this
clause.
Extension of Policy Period- On expiry of the Policy Period, there is no automatic extension of Policy Period shall be allowed. If Insurance cover is required beyond the expiry date stated in the Policy Schedule, a fresh Policy
will be issued subject to the proper details, declaration and documents provided before expiry of the running policy as per guidelines of the company conditions.
a.Declaration letter (Company Format) clearly mentioning his/her medical status including any event giving rise to claim if any within 7 days after expiry of Policy Period.
b.Proposal for fresh policy if accepted by company is subject to a complete medical declaration, Passport Stamp page, Air Ticket copy etc. and Payment of premium.
c.Depending upon the medical declaration mentioned on the declaration letter, Insurance company shall reserve the right to accept/decline such proposals in case required.
d.The premium payable for the policy during the trip will be as per the trip duration and age band slab.
e.If the Insured /Insured Person does not declare the correct medical status or any such event giving rise to a claim under fresh certificate to be issued, it shall be deemed to be invalid and premium shall be forfeited.
f.If the Insured person suffers with any illness/injury in the first Policy Period with which he travels overseas then any claim arising of or related to or complication of the same shall be termed as pre-existing in the Fresh
Policy Period and shall not be covered.
**** Always refer to your policy documents for actaul coverages and terms and conditions
**** Limits, terms and coverages varies from one company to another. Above mentioned details are only for your understanding and not related to any specific company plan
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