Frequently Asked Questions

This Policy is designed to cover the compulsory Third Party Liability as required by Motor Vehicles Act. together with loss or damage to the Vehicle itself. The Policy also provides cover for This Policy is designed to cover the compulsory Third Party Liability as required by Motor Vehicles Act. together with loss or damage to the Vehicle itself. The Policy also provides cover for This Policy is designed to cover the compulsory Third Party Liability as required by Motor Vehicles Act. together with loss or damage to the Vehicle itself.

Travel Insurance (Business & Holiday) FAQs

Following are the terms of extension:

  • With prior approval of the Insurer and on payment of extra premium:- Extension in Policy duration is only permissible in single trip insurance for a maximum 180 days subject to the condition that total Policy duration after extension shall not be more than 270 days. The premium for extension of Policy duration will be difference of full extended period premium minus premium received till date.
  • Automatic extension: - This extension is over and above extension of the Policy duration after prior approval for a period not exceeding 7 days if necessitated by delay of public transport services beyond the control of the Insured person. This automatic extension will be free of any charge.

The Insurer shall also indemnify the medical expenses incurred by the Insured person in India for continuation of medical treatment commenced by the Insured Person outside India as a result of the injury/illness/disease manifesting for the first time during the course of the insured journey. This benefit shall be limited to a period of 90 days from and including the date upon which the aforesaid illness and/ or accident bodily occurred or first manifested itself, and to Medical Expenses at the usual and customary level.

Treatment arising from or traceable to pregnancy childbirth, miscarriage, abortion or complications of any of these, including caesarian are excluded. However, this exclusion will not apply to abdominal operation for extra uterine pregnancy (Ectopic Pregnancy), which is proved by submission of Ultra Sonography Report and certification by a Gynaecologist that it is life threatening.

FIR (First Information Report) is required in cases of:

  • Loss of passport
  • Claim under Home burglary insurance
  • Bail Bond
  • Accidental Claims under Personal accident section
  • Personal liability
  • Financial emergency

This Policy will indemnify the Insured Person for claims made in respect of loss of or damage to contents of the Insured Person’s home in India (located at the address mentioned in the Policy Schedule) caused by actual or attempted Burglary and/or Robbery during the Period of Insurance. The cover incepts from the date of departure of the Insured person from the country and ends on the expiry date or date of return to the country, whichever is earlier. The Insurer’s liability will be subject to maximum limit specified in the schedule. The cover excludes loss or damage to valuables.

Subject to all other terms and conditions, if the aircraft on which the Insured person is booked to travel from India is delayed beyond 12 hours than the original scheduled departure time, the Insurer will pay US $ 200 for every 12 hours delay in excess of first 12 hours, subject to the maximum amount mentioned in the Policy Schedule. However, the Insurer will not pay,

  • for any departure which is delayed as a result of the Insured person or any other person who is to travel with him failing to check-in correctly as required by the airlines
  • for any delayed departure caused by strike or industrial action known to exist or was anticipated at the time the trip was booked
  • if the aircraft is taken out of service on the instructions of the Civil Aviation Authority or similar authorit

For each 24 hour period the Insured Person is detained by hijackers following hi-jacking of any aircraft in which the Insured person is traveling, the Insurer will pay US $ 200 for every 24 hours in excess of first 24 hours subject to the maximum limit specified in the Policy Schedule. All other Policy terms and conditions shall remain unaltered.

This is an assistance service when the Insured Person requires emergency cash following incidents like theft/ burglary of luggage/ money or hold up. The Service Provider shall co-ordinate with the insured person’s relatives in India to provide emergency cash assistance to the insured person as per his requirement, up to the limit specified in the Policy Schedule. As soon as the need arises Insured person shall call up Service Provider named in Policy Schedule on the telephone number indicated in the Policy Schedule. Service Provider named in policy schedule shall verify the details of the Insured person and ascertain the amount of cash required, local contact in India who can provide payment security including delivery charges through credit card or close relatives. Service Provider named in Policy Schedule shall organize cash delivery after obtaining payment security from Insured Person or his relatives.

The medical expenses incurred by the Insured person in India for continuation of medical treatment commenced by the Insured Person outside India as a result of the injury/illness/disease manifesting for the first time during the course of the insured journey are covered under the policy. This benefit shall be limited to a period of 90 days from and including the date upon which the aforesaid illness and/or accident bodily occurred or first manifested itself, and to Medical Expenses at the usual and customary level.

This policy does not cover pre-existing diseases.