INTERNATIONAL TRAVEL INSURANCE

WHY INTERNATIONAL TRAVEL INSURANCE?

An ideal holiday is a balance of planning and enjoyment. Travel Insurance plan plays a pivotal role in the success of your trip and can make your journey secure and stress free. The expenses incurred in a foreign land for availing medical/health care facilities are exorbitant. It has always been recommended to take preventive measure of insuring oneself when away from home. Many tourists travelling abroad for vacations often neglect opting for Travel Insurance assuming that unforeseen events such as natural calamities and social unrest would not take place. Unfortunately, in an individual’s capacity these events cannot be controlled.

TRAVEL INSURANCE provides a gamut of coverages and plans to suit every individual’s need. The various available plans of Travel Insurance covers travellers from the age of 3 months to 85 years, It can be with or without any medical check-up for policy issuance. The policy gives Coverage upto 360 days (Original policy for 180 days and extension for additional 180 days)

Salient Features of Travel Insurance policy

Medical covers :

Medical Cover with medical evacuation costs : Sum Insured from $50,000 to $5,00,000
Repatriation of remains : Covers repatriating the remains back as well as local burial or cremation in the country where the death shall occur
Daily Allowance in case of hospitalisation : Covered in case of hospitalisation for more than 2 days Applicable to selective plans under International Travel Insurance
Dental Treatment : Covers cost of treatment to natural teeth in case of injury
Personal Accident : Compensation paid in case of accidental – death or permanent total/partial disability
Personal Liability : Compensation for legal liability incurred by the insured for involuntarily causing bodily injury or property damage to third parties
Accidental Death (Common Carrier) : Compensation paid in case of death or permanent total/partial disability while travelling in common carrier

Non-medical covers :

Total Loss of Checked-in Baggage : Reimbursement for the loss suffered due to permanent loss of checked-in baggage whilst in custody of the Common Carrier
Political Risk & Catastrophe Evacuation : Company will pay the cost of Insured’s return to the Country of Residence or the nearest place of safety, in case insured needs to immediately evacuate the country
Compassionate Visit : Payment of traveling and lodging & boarding expenses for a family member or relative in case of Insured’s hospitalisation for more than 5 days
Delay of Checked-in Baggage : Allowance for the incidental expenses incurred due to a delay of checked-in baggage for more than 6 hours
Loss of Passport : Reimbursement of expenses incurred in obtaining an emergency certificate to prosecute journey to resident country as well as cost incurred towards the prescribed application fee for a duplicate passport
Trip Cancellation & Interruption : Reimbursement of the non-refundable prepaid payments, for the trip being cancelled or interrupted due to medical problems, acts of terrorism or natural disasters
Trip Delay : Reimbursement of additional expenses incurred if trip is delayed for more than 6 hours
Bounced Booking : Reimbursement of additional expenses incurred due to bounced booking of an airline or hotel, solely at the instance of the common carrier and accommodation provider respectively
Emergency Cash Advance : Emergency cash allowance given in case of accidental loss of all or almost all travel funds
Emergency Hotel extension : Payment of the actual additional expenses for lodging and boarding incurred in case the insured trip is delayed due to natural calamities, act of terrorism or medical emergencies
Loss of Baggage & Personal Effects : Reimbursement for loss incurred due to loss of Checked In Baggage or personal effects outside the airport
Missed (Flight) Connections : Reimbursement of the extra expenses incurred due to a missing a connecting flight, due to aircraft delay of more than 3 hours
Hijack Distress Allowance : Compensation payable in case of hijack of air or sea common carrier, for more than 12 hrs while on your trip abroad
Return of Minor Child(ren) : Compensation of the cost of economic class air ticket for the unattended minor child in the foreign land
Home Insurance ( Fire cover for Building and Contents, Burgulary Cover for Contents) : Compensation to the losses incur due to damage to your home or its contents from fire and allied perils or any loss of home contents on account of burglary, whilst on your trip abroad