| A policy covers |
| 1. |
Personal Accident: Cover death and permanent disablement.
|
| 2. |
Medical Expense And Representation: Covers hospitalization
expenses for accident or illness, including medical evacuation
wherever necessary. |
| 3. |
Loss of Checked Baggage: Covers total and complete
loss of baggage checked in by an international airline.
|
| 4. |
Delay of Checked Baggage: Covers cost of emergency
purchase of replacement items. |
| 5. |
Loss of Passport: Covers reasonable and necessary expenses
to obtain a duplicate passport or a valid travel document.
|
| 6. |
Personal Liability: Covers legal liability attaching
in a private capacity during the course of overseas travel.
|
| 7. |
Cash Less Service: Direct settlement for in - hospital
medical expenses abroad. (subject to policy terms and
conditions and sub limits). |
| 8. |
Hospitalizat ion Allowance: Covers daily allowance
maximum upto $ 150. Applicable only for corporate frequent
traveler policyholder. |
| 9. |
Golfer's Hole-In-One: Reimbursement expenses incurred
in celebration of achieving a hole-in-sole by the insured
during the trip, anywhere in the world excluding India,
in a United State Golfer's Association (USG) recognized
golf course. |
| 10. |
Emergency Cash Advance: This is an assistance service
when the insured person requiresemergency cash following
incidents like theft/ burglary of luggage/ money or hold
up. The service provider shall emergency cash assistance
to the insured person as per his requirement, upto limit
specified in the policy schedule. |
| 1. |
Policy does not cover pre-existing diseases and complications arising from them. |
| 2. |
Routine physical or other examination where there are no objective indication of impairment of normal health. |
| 3. |
Medical expenses beyond the expiry of the policy period. |
| 4. |
Suicide, attempted suicide or willfully self inflicted injury or illness mental disorder, anxiety, stress or depression, venereal disease, alcoholism, drunkenness, abuse of drugs, HIV, AIDS. |
| 5. |
Manual work or hazardous occupation, self-exposure to needless peril (except in an attempt to save human life), or if engaging in any criminal or illegal act. |
| 6. |
Pregnancy, resulting childbirth, miscarriage, abortion or complication arising out of any of the foregoing. |
| 7. |
Loss or damage to the insured’s passport as a result of the complication or detention by customer’s, policy or any other authority. |
| 8. |
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 has not been obtained. |
| 9. |
Loss caused by the insured’s failure to take reasonable steps to guard against loss of passport. |
