Easy Domestic Travel Insurance: Quick Reference Guide To Benefits Offered

Easy Domestic Travel Insurance
Quick reference guide to benefits offered
10th Floor, Building No. 10, Tower B, DLF City Phase II, DLF Cyber City, Gurgaon-122002
Specially designed for makemytrip customers
Benefit
Coverage
Does not cover
Accident: Medical
Treatment, Assistance &
Evacuation
Reimbursement upto Rs 100,000 for Medical Treatment of any illness even if caused by Accident, unless necessitated to
maintain life and relieve pain.
expenses incurred for Hospitalization or outpatient treatment by an Insured Person due to Treatment which is not medically necessary
an accident during the risk period.
Dental treatment unless necessitate by an Accident
Total Loss of Checked-in

Baggage
Reimbursement upto Rs. 7,500 for expenses Valuables, money, any kind of securities
incurred to purchase new similar quality items Any partial loss or not amounting to total loss
in an event of total loss of checked-in baggage Any claim not supported by a written confirmation from the competent airline
while travelling by a Carrier.
authority confirming baggage lost was checked in.
Maximum reimbursement for any one item
within one piece of baggage will be 10% of
the Sum Insured. If the Insured Person has
checked in more than one item of baggage,
then maximum reimbursement for all items
within one piece of baggage will be 50% of the
Sum Insured.
Delay of Checked-in
Baggage
Reimbursement upto Rs.1, 000 for purchasing

essential personal items of medication,
toiletries or clothing in an event of delay of
accompanying checked-in baggage while
travelling by a Carrier.
Personal Liability
Indemnification upto Rs. 100,000 against Legal liability other than third party civil claim
actual legal liability (including defence costs) Transmission of an illness
to pay damages for negligence which results Deliberate, willful, malicious or unlawful act or omission
from a third party civil claim made for third
party death, bodily injury or property damage.
Personal Accident [24

hours]
Lumpsum benefit upto Rs 500,000 hedging Bacterial infection other than (pyogenic infection which occurs due to
Accident )
against risk of permanent total disablement or
death of the Insured Person in an event of an Medical or surgical treatment except as an result of Accident
accident during risk period.
Flight delay
Reimbursement upto Rs.1,000 for expenses Any delay which is of less than continuous and completed 6 hours
incurred by the Insured Person for meals Any claim not supported by a written confirmation from the competent airline
and accommodation due to delay in flight for
authority confirming reason and duration of said delay.
a continuous and completed 6 hour period Voluntary suspension of services by Carrier
beyond its scheduled departure or scheduled
arrival time, provided that the delay is due to
severe weather conditions, strike or industrial
action of the airline employees and due to
unforeseen breakdown of Carriers equipment
Trip Cancellation
Reimbursement upto Rs. 15,000 for travel and Any charges that could have been avoided but were incurred because of any
delay in cancelling travel or accommodation.
accommodation expenses that the Insured
Person has paid and cannot recover, if Facts or matters of which was aware or ought to be aware which may result
outward journey is cancelled due to death or
in a cancellation while booking the ticket
Hospitalisation of Insured Person or Insured
Persons immediate family member
Trip Curtailment
Reimbursement upto Rs. 15,000 000 for travel Any charges that could have been avoided but were incurred because of any
and accommodation expenses that the Insured
Person has paid and cannot recover, if the trip Facts or matters of which was aware or ought to be aware which may result
is unavoidably curtailed during the Risk period
in a cancellation while booking the ticket
due to death or Hospitalisation of insured
Person or Insured Persons immediate family
member.
Any delay which is of less than 12 hours

Delay on return to the usual place of residence
Destinations not mentioned on travel tickets
Any claim not supported by a written confirmation from the competent airline
authority confirming delay of checked in baggage.

Quick reference guide to benefits offered
Benefit
Coverage
Does not cover
Emergency Travel
Reimbursement of return economy class airfare Hospitalisation less than 7 consecutive days
upto Rs. 10,000 for one immediate family Immediate family member does not reside in India
member in case of accidental hospitalization
of insured person for more than 7 consecutive
days
Emergency Hotel
Reimbursement upto Rs. 10,000 of costs Hospitalisation less than 7 consecutive days
for accommodation (boarding and lodging) Immediate family member does not reside in India
for an immediate family member in case of
accidental hospitalization of insured person for
more than 7 consecutive days.
Trip delay
Reimbursement upto Rs.500 for expenses Any delay which is of less than continuous and completed 6 hours
incurred by the Insured Person for meals Any claim not supported by a written confirmation from the competent airline
and accommodation due to delay in flight for
authority confirming reason and duration of said delay.
a continuous and completed 6 hour period Voluntary suspension of services by Carrier
beyond, provided that the delay is due to
severe weather conditions, strike or industrial
action of the airline employees and due to
unforeseen breakdown of Carriers equipment
This is a summary of benefits and exclusions, pl refer to policy terms and conditions for full description.
Insurance is subject a matter of solicitation.
E-mail : customerservice@apollomunichinsurance.com
toll free 1800-102-0333 www.apollomunichinsurance.com

Policy Wording

Apollo Munich Health Insurance Company Limited will provide the insurance
cover detailed in the master Policy to the Insured Person up to the Sum Insured
subject to the terms and conditions of this Policy, Your payment of premium, and
Your statements in the Proposal, which is incorporated into the master Policy and
is the basis of it.
BENEFITS
We will provide the Benefits as detailed below and shown in the Schedule to
be operative for an event or occurrence described in such Benefits that occurs
during the Policy Period. The Sum Insured for each Section represents Our
maximum liability for each Insured Person for any and all claims made under
that Section during the Policy Period.
Section 1. Accident: Medical Treatment, Assistance & Evacuation
If any Insured Person suffers an Accident during the Risk Period that alters the
Insured Persons state of health and requires immediate medical treatment in
order to maintain life or relieve immediate pain or distress, then We will pay:
1) Medical Treatment
The Medical Expenses incurred for Hospitalisation or Out-patient Treatment
during the Risk Period for:
a) Room rent, boarding expenses,
b) Nursing,
c) Intensive care unit,
d) Medical Practitioner,
e) Anaesthesia, blood, oxygen, operation theatre charges, surgical
appliances,
f) Medicines, drugs and consumables,
g) Diagnostic procedures,
h) The cost of prosthetic and other devices or equipment if implanted
internally during a Surgical Procedure.
2) Medical Evacuation
We will reimburse the reasonable cost of the transportation of the Insured
Person (and an attending Medical Practitioner if We are satisfied this is
necessary) during the Risk Period (a) from a Hospital to the nearest facility
which is prepared to admit the Insured Person and provide the necessary
medical services if such medical services cannot satisfactorily be provided
at a Hospital where the Insured Person is situated, and (b) following the
treatment, from the place in which the Hospital is based to the Insured
Persons usual place of residence, provided in both cases that:
a) Transportation has been prescribed by a Medical Practitioner and is
medically necessary, and
b) Our Assistance Company has agreed to the reimbursement of the costs of
transportation in advance of the transportation, and has arranged the same.
3) Transportation of mortal remains
If the Insured Person dies during the Risk Period, then We will reimburse the
reasonable cost of either transporting his mortal remains to his usual place
of residence or to a cremation or burial ground.
Special Exclusions to Section 1
We will not make any payment for any claim in respect of any Insured Person
directly or indirectly for, caused by, arising from or in any way attributable to:
a) The treatment of any Illness even if caused by the Accident suffered by the
Insured Person. except any caused by accident and requiring immediate
medical treatment in order to maintain life or relieve immediate pain or distress.
b) Any medical treatment which was not medically necessary.
c) Plastic or cosmetic surgery unless this is certified by the attending Medical
Practitioner to be medically necessary for reconstruction following an Accident.
d) Dental treatment or surgery of any kind, unless to sound natural teeth and
necessitated by an Accident.
e) Any health check-ups or examinations or measures primarily carried out
for diagnostic or investigative reasons for any purpose other than treatment
related to an accident
f) Any costs relating to physiotherapy unless undertaken while the insured
person is hospitalised.
any similar institution.

h) Any costs in any way related to psychiatric or mental disorders.
i) Any costs relating to the Insured Persons pregnancy, childbirth or the
consequences of either.
j) Any congenital internal or external diseases, defects or anomalies.
Section 2. Total Loss of Checked-in Baggage
If an Insured Persons accompanying checked-in baggage is permanently lost by a
Carrier on which the Insured Person is travelling as a fare paying passenger to his
destination and to whom it was entrusted against a receipt during the Risk Period,
then We will pay the amount required to purchase new items of the same kind and
quality less the amount representing the condition and reasonable depreciation of
the articles lost, provided that:
a) Our maximum liability for any one item within one piece of baggage will be
10% of the Sum Insured. If the Insured Person has checked in more than
one item of baggage, then Our maximum liability for all items within one
piece of baggage will be 50% of the Sum Insured.
b) The Insured Person obtains a property irregularity report from the Carrier
confirming the loss.
c) If Section 3 is effective and We have accepted a claim under it, then We will
only pay the difference between the amount due or paid under Section 3
and the amount payable in respect of the subsequent claim
d) Our liability will be limited to the travel destinations specified in the Insured
Persons original travel ticket, including all halts and destinations specified
therein.
e) Our payment will be reduced by any sum for which the Carrier is liable to
make payment.
a) Valuables, Money, any kinds of securities or tickets.
b) Any loss of checked-in baggage amounting to a partial loss or not amounting
to a permanent loss.
c) Any item within the checked-in baggage that is valued at more than Rs.
2000 if the Insured Person cannot provide Us with satisfactory proof of
ownership.
d) Any actual or alleged loss arising from any delay, detention, confiscation or
distribution of baggage by customs, police or other public authorities.
e) Any item that the Carriers policy or rule specifies should not have been
carried.
f) Animals, perishables and consumables.
g) Any loss of baggage sent in advance or souvenirs and articles mailed or
shipped separately.
Section 3. Delay of Checked-in Baggage
If the delivery of an Insured Persons accompanying checked-in baggage is delayed
by a Carrier on which the Insured Person is travelling as a fare paying passenger
and to whom it was entrusted against a receipt during the Risk Period, then We
will reimburse the actual expenses incurred by the Insured Person in purchasing
essential personal items of medication, toiletries or clothing, provided that:
a) The delay is 12 or more hours from the scheduled arrival time.
b) The Insured Person gives Us written proof of delay from the Carrier.
c) Our liability will be limited to the travel destinations within India specified in
the Insured Persons original travel ticket, including all halts and destinations
specified therein.
d) Our payment will be reduced by any sum for which the Carrier is liable to
make payment.
Special Exclusion to Section 3
We will not make any payment for any delay directly or indirectly caused by,
arising from or in any way attributable to:
a) Any actual or alleged delay arising from detention, confiscation or
distribution by customs, police or other public authorities.
b) Any delay of checked-in baggage on the return to the Insured Persons usual
place of residence.
Section 4. Personal Liability
a) We will indemnify an Insured Person subject to the Limit of Indemnity
g) Any costs or periods of residence incurred in connection with rest cures or

recuperation at spas or health resorts, sanatorium, convalescence homes or

Policy Wording

specified in the Schedule against his actual legal liability (including defence
costs) to pay damages for his negligence which results from a third party
civil claim first made against the Insured Person during the Policy Period for
third party death, bodily injury or property damage.
b) To the extent that We accept a claim under a) then We will also, subject
to the Limit of Indemnity, pay all costs, fees and expenses incurred with
Our prior written consent in the investigation, defence or settlement of any
claim.
c) Coverage under a) is limited to third party civil claims which are made against
an Insured Person during the Policy Period for an event or occurrence which
took place during the Risk Period.
Special Conditions to Section 4
a) The Insured Person shall:
i) Immediately and in any event within 10 days give Us written notice of
any claim or demand made against him or any circumstance which
might reasonably be expected to give rise to a claim or demand.
ii) Not admit liability for or settle or compromise or make or promise any
payment in respect of any claim or incur any costs or expenses in
connection with it without Our prior written consent.
iii) Allow Us (in Our sole and absolute discretion) to take over and conduct
in the name of the Insured Person the investigation, defence and/or
settlement of any claim, for which purpose the Insured Person shall
provide all the cooperation and assistance We may require. Having
taken over the defence of any claim, We may in Our sole and absolute
discretion relinquish the same.
b) We will not settle any claim without the Insured Persons consent but if the
Insured Person refuses to consent to any settlement We recommend and
chooses to contest or continue any legal proceedings, then Our liability will
not exceed the amount for which the claim could have been settled plus the
defence costs incurred with Our consent up to the date of such refusal.
c) In respect of any claim, We may in Our sole and absolute discretion make
payment of the lesser of the amount available under the Limit of Indemnity
or of any lesser amount for which the claim could be settled in full and final
settlement of any liability We may have under this Policy in respect of the
claim, including the costs of defending it.
d) Any and all amounts We expend in the payment of any claim or defence
costs will reduce the Limit of Indemnity.
a) A claim by one Insured Person against another Insured Person with whom
he had arranged to travel or against an Insured Person by a relation, a
travelling companion or work colleague.
b) The transmission of an Illness by an Insured Person.
c) The Insured Persons professional activities or the supply of goods or
services.
d) Being a keeper or owner of animals.
e) The ownership, possession or use of vehicles, aircraft or watercraft.
f) The use or misuse of weapons, including firearms.
g) Any deliberate, wilful, malicious or unlawful act or omission.
h) Insanity, the use or abuse of solvents, alcohol or drugs (except as medically
prescribed but not including for the treatment of drug addiction).
i) Any ownership or occupation of land or buildings except as a temporary
residence by the Insured Person.
j) Any agreed assumption of risk except to the extent that liability would have
attached in the absence of such agreement.
Section 5. Personal Accident (24 Hours)
a) If during the Risk Period an Insured Person suffers an Accident and this
solely and directly results in:
i) His death within 365 days of the Accident, then We will pay the Sum
Insured.
ii) The permanent impairment of the Insured Persons physical capabilities
as detailed in the table below only within 365 days of the Accident,
then We will make payment in accordance with the table below if that
permanent impairment is claimed for and confirmed by the attending
Medical Practitioner and Our medical advisor within 365 days of the
Accident.
% of Sum Insured
Accidental death
100%
Loss of 2 Limbs (both hands or both feet or 100%

one hand and one foot)
Loss of a Limb and an eye
100%
Complete and irrecoverable loss of sight of 100%

both eyes
Complete and irrecoverable loss of speech & 100%
hearing of both ears
Loss of a Limb
50%
Complete and irrecoverable loss of sight of 50%

an eye
In no event shall Our payment under this Section exceed the Sum Insured.
Special Conditions to Section 5
a) If the Insured Person dies as a result of the Accident within 365 days of
its occurrence, or thereafter for any other covered reason, and a claim for
permanent impairment had been made prior to the death, then We will
make payment of the Sum Insured less any sum paid for the permanent
impairment, and any sum that was due to be paid for the permanent
impairment shall not be paid.
b) If the Insured Person is not found within 365 days of the disappearance,
sinking or wrecking of the Carrier in which he was travelling as a fare paying
passenger, the Insured Person will be presumed to have died as a result of
the Accident.
directly or indirectly for, caused by, arising from or in any way attributable to any of
the following unless expressly stated to the contrary in this Policy:
a) Bacterial infections (except pyogenic infection which occurs through an
Accidental cut or wound).
b) Medical or surgical treatment except as necessary solely and directly as a
result of an Accident.
c) Hernia.
Section 6. Trip Cancellation
If an Insured Persons outward journey as a fare paying passenger (as shown
on his original travel booking and ticket) on a Carrier is unavoidably cancelled
because of:
a) The death of the Insured Person or the travelling Insured Persons Immediate
Family Member or travelling companion, or
b) The Hospitalisation of the Insured Person or the travelling Insured Persons
parent, spouse or child due to a sudden Illness or injury where a Medical
Practitioner has recommended that due to the severity of the medical
condition it is necessary to cancel the trip.
Then We will reimburse up to the Trip Cancellation Sum Insured, for those
travel and accommodation expenses that the Insured Person has paid and
cannot recover or for which no value can be derived or he is liable to pay.
a) Childbirth, pregnancy or related medical complications.
b) Any charges that could have been avoided but were incurred because of
any delay in cancelling travel or accommodation.
c) Facts or matters of which the Insured Person was aware or should have
been aware might result in the cancellation of the trip.
d) The Hospitalisation of the Insured Person or the travelling Insured Persons
parent, spouse or child for due to depression or anxiety, mental, nervous or
emotional disorders, alcohol or drug abuse, addiction or overdose, elective,
cosmetic, or plastic surgery
e) Travel and accommodation expenses that the Insured Person has paid and
cannot recover or for which no value can be derived or he is liable to pay if

Policy Wording

he paid or committed to such expenses when he knew or should have known
of the possibility of cancellation.
Section 7. T rip Curtailment
If an Insured Persons journey as a fare paying passenger (as shown on his original
travel booking and ticket) on a Carrier is unavoidably curtailed during the Risk
Period before completion and after it has commenced because of:
a) The death of the Insured Person or the travelling Insured Persons Immediate
Family Member or travelling companion, or
b) The Hospitalisation of the Insured Person or the travelling Insured Persons
parent, spouse or child for due to a sudden Illness or injury where a Medical
Practitioner has recommended that due to the severity of the medical
condition it is necessary to curtail the trip.
a) Facts or matters of which the Insured Person was aware or should have been
aware might result in a delay at the time the Insured Person booked his ticket.
b) Any delay arising from the order or action of any government, civil authority
or official government body.
c) Voluntary suspension of services by the Carrier.
Section 11. Trip Delay
If an Insured Persons journey on a Carrier or Scheduled Railway as a fare paying
passenger is delayed for a continuous and completed 6 hour period beyond its
scheduled departure or scheduled arrival time during the Risk Period because of
any of the reasons below, then We will reimburse up to the Trip Delay Sum Insured
for those expenses incurred by the Insured Person for meals and accommodation
provided that neither meals nor accommodation were offered by the Carrier or
Scheduled Railway or any other person without charge:
a) Delay of the Carrier due to any severe weather conditions.
b) Delay caused by strike or industrial action by the employees of the Carrier.
c) Delay caused by any sudden or unforeseen breakdown of the Carriers
equipment.
Special Condition to Section 11
a) The Insured Person must provide Us with written confirmation from the
Carrier or Scheduled Railway of the length and exact nature of the delay.
a) Facts or matters of which the Insured Person was aware or should have
been aware might result in a delay at the time the Insured Person booked
his ticket.
b) Any delay arising from the order or action of any government, civil authority
or official government body.
c) Voluntary suspension of services by the Carrier.
GENERAL EXCLUSIONS:
directly or indirectly for, caused by, arising from or in any way attributable to any of
the following unless expressly stated to the contrary in this Policy:
a) War or any act of war, invasion, act of foreign enemy, war like operations
(whether war be declared or not or caused during service in the armed
forces of any country), civil war, public defence, rebellion, revolution,
insurrection, military or usurped acts, nuclear weapons/materials, chemical
or biological weapons, radiation of any kind.
b) Any Insured Persons participation or involvement in naval, military or
air force operation or professional or semi-professional sporting, racing,
diving, aviation, scuba diving, parachuting, hang-gliding, rock or mountain
climbing.
c) Arising or resulting from the insured person(s) committing any breach of law
with criminal intent, or intentional self injury , suicide or attempted suicide
while sane or insane.
d) The abuse or the consequences of the abuse of intoxicants or hallucinogenic
substances such as drugs and alcohol, including smoking cessation
programs and the treatment of nicotine addiction or any other substance
abuse treatment or services, or supplies.
e) The loss or destruction or damage to any property whatsoever or any loss
or expenses whatsoever resulting or arising therefrom or any consequential
loss directly or indirectly caused by or contributed to by or arising from:
i) Ionising radiation or contamination by radioactivity from any nuclear
waste from combustion of nuclear fuel; or
ii) The radioactive, toxic, explosive or other hazardous properties of any
explosion nuclear assembly or nuclear component, thereof
iii) Asbestosis or other related sickness or disease resulting from the
existence, production, handling, processing, manufacture, sale,
distribution of asbestos or other products thereof.
f) Obesity or morbid obesity or any weight control program, where obesity
means a condition in which the Body Mass Index (BMI) is above 29 & morbid
obesity means a condition where BMI is above 37.
g) Pregnancy (including voluntary termination), miscarriage (except as a result
of an Accident or Illness), maternity or birth (including caesarean section)
except in the case of ectopic pregnancy.
Then We will reimburse up to the Trip Curtailment Sum Insured, for those travel
and accommodation expenses that the Insured Person has paid and cannot
recover or for which no value can be derived or he is liable to pay.
a) Childbirth, pregnancy or related medical complications.
b) Any charges that could have been avoided but were incurred because of any
c) Facts or matters of which the Insured Person was aware or should have been
aware might result in the curtailment of the trip.
d) The Hospitalisation of the Insured Person or the travelling Insured Persons
parent, spouse or child for due to depression or anxiety, mental, nervous or
emotional disorders, alcohol or drug abuse, addiction or overdose, elective,
cosmetic, or plastic surgery
e) Travel and accommodation expenses that the Insured Person has paid and
cannot recover or for which no value can be derived or he is liable to pay if
he paid or committed to such expenses when he knew or should have known
of the possibility of curtailment.
Section 8. E mergency Travel
If We have accepted a claim under Section 1-1) and the Accident suffered by the
Insured Person necessitates his Hospitalisation for more than 7 consecutive days,
We will reimburse the actual cost of an economy return airfare for one Immediate
Family Member to travel to the Insured Persons place of Hospitalisation subject to
the Emergency Travel Sum Insured, provided that:
a) The Immediate Family Member resides in India, and
b) The Insured Person was travelling alone.
Section 9. E mergency Hotel
If We have accepted a claim under Section 1-1) and the Accident suffered by the
Insured Person necessitates his Hospitalisation for more than 7 consecutive days,
We will reimburse the reasonable costs of accommodation (boarding and lodging),
of the Immediate Family Member subject to the Emergency Hotel Sum Insured,
provided that
a) The Immediate Family Member resides in India, and
b) The Insured Person was travelling alone.
Section 10. F light Delay
If an Insured Persons journey on a Carrier as a fare paying passenger is delayed
for a continuous and completed 6 hour period beyond its scheduled departure or
scheduled arrival time during the Risk Period because of any of the reasons below,
then We will reimburse up to the Flight Delay Sum Insured for those expenses incurred
by the Insured Person for meals and accommodation provided that neither meals nor
accommodation were offered by the Carrier or any other person without charge:
a) Delay of the Carrier due to any severe weather conditions.
b) Delay caused by strike or industrial action by the employees of the Carrier.
c) Delay caused by any sudden or unforeseen breakdown of the Carriers
equipment.
Special Condition to Section 10
a) The Insured Person must provide Us with written confirmation from the
Carrier of the length and exact nature of the delay.

Policy Wording

h) Any non allopathic treatment.
i) Charges related to a Hospital stay not expressly mentioned as being
covered, including but not limited to charges for admission, discharge,
administration, registration, documentation and filing.
j) Items of personal comfort and convenience including but not limited to
television, telephone, foodstuffs, cosmetics, hygiene articles, body care
products and bath additive, barber or beauty service, guest service as well
as similar incidental services and supplies, and vitamins and tonics, unless
vitamins and tonics are certified to be required by the attending Medical
Practitioner as a direct consequence of an otherwise covered claim.
k) Treatment rendered by a Medical Practitioner which is outside his
discipline or the discipline for which he is licensed; referral-fees or outstation consultations; treatments rendered by a Medical Practitioner who
shares the same residence as an Insured Person or who is a member of
an Insured Persons family, however proven material costs are eligible for
reimbursement in accordance with the applicable cover.
l) The provision or fitting of hearing aids, spectacles or contact lenses including
optometric therapy, any treatment and associated expenses for alopecia,
baldness, wigs, or toupees, medical supplies including elastic stockings,
and similar products unless it is used for and during the hospital stay.
m) Non-prescription drugs or treatments.
n) If the Insured Person is travelling against the advice of a Medical Practitioner,
or is receiving or on a waiting list for specified medical treatment, or is
traveling for the purpose of obtaining medical treatment, or has received a
terminal prognosis for a medical condition.
o) Venereal disease, sexually transmitted disease or illness; AIDS
(Acquired Immune Deficiency Syndrome) and/or infection with HIV (Human
immunodeficiency virus) including but not limited to conditions related to or
arising out of HIV/AIDS such as ARC (AIDS related complex), Lymphomas in
brain, Kaposis sarcoma, tuberculosis.
p) Any act of Terrorism which means an act, including but not limited to the
use of force or violence and/or the threat thereof, by any person or group
of persons, whether acting alone or on behalf of or in connection with any
organisation or government, committed for political, religious, ideological,
or ethnic purposes or other reasons including the intention to influence any
government and/or to put the public, or any section of the public, in fear.
q) Experimental, investigational or unproven treatment devices and
pharmacological regimens, or measures primarily for diagnostic, X-ray or
laboratory examinations or other diagnostic studies which are not consistent
with or incidental to the diagnosis and treatment of the positive existence or
presence of any Illness for which confinement is required at a Hospital.
r) Any Pre-existing Condition declared or not declared or any complication
arising from it.
s) Any person who has obtained cover and is under Age 180 days or above Age
70 years.
d) Supporting Documentation & Examination

1) The Insured Person shall provide Us with any documentation and information
We or Our Assistance Company may request to establish the circumstances
of the claim, its quantum or Our liability for it within 30 days of the earlier
of Our request or the Insured Persons discharge from Hospitalisation or
completion of treatment or the completion of the event or occurrence giving
rise to a claim. Such documentation will include but is not limited to the
following in English:
i. Our claim form, duly completed and signed for on behalf of the Insured
Person.
ii. Original Bills (including but not limited to pharmacy purchase bill,
consultation bill, diagnostic bill) and any attachments thereto like
receipts or prescriptions in support of any amount claimed which will
then become Our property.
iii. All reports, including but not limited to all medical reports, case histories,
investigation reports, treatment papers, discharge summaries.
iv. A precise diagnosis of the treatment for which a claim is made.
v. A detailed list of the individual medical services and treatments
provided and a unit price for each.
vi. Prescriptions that name the Insured Person and in the case of drugs: the
drugs prescribed, their price and a receipt for payment. Prescriptions
must be submitted with the corresponding Medical Practitioners
invoice.
2) The Insured Person additionally hereby consents to:
i. The disclosure to Us of documentation and information that may be
held by medical professionals and other insurers.
ii. Being examined by any Medical Practitioner We authorise for this
purpose when and so often as We may reasonably require. We will bear
the reasonable costs towards performing such medical examination (at
the specified location) of the Insured Person.
e) Claims Payment
1) We shall be under no obligation to make any payment under this Policy
unless We have been provided with the documentation and information We
or Our Assistance Companyhas requested to establish the circumstances of
the claim, its quantum, Our liability for it, the Insured Persons usual place of
residence, and unless the Insured Person has complied with his obligations
under this Policy.
2) All payments made shall be subject to an applicable Deductible (if any) for
such payment for each and every claim made, and to the Accumulation Limit.
3) We will only make payment to an Insured Person who will be deemed to be
authorised by You to receive the concerned payment. If the Insured Person
has died, We will only make payment to:
i. The Nominee (as named in the Certificate of Insurance), or
ii. The Insured Persons, legal heirs if no nominee has been appointed, or
if the nominee has died.
4) All payments under this Policy will be in Indian Rupees only.
5) We are not obliged to make payment for any claim or that part of any claim
that could have been avoided or reduced if the Insured Person had taken
reasonable care or could reasonably have minimised the costs incurred, or
that is brought about or contributed to by the Insured Person failing to follow
the directions, advice or guidance provided by Us or by Our Assistance
Company or by a Medical Practitioner.
6) We will not pay any interest on any benefit We are liable to pay.
f) Fraud
If any claim is in any manner dishonest or fraudulent, or is supported by any
dishonest or fraudulent means or devices, whether by You or any Insured Person
or anyone acting on behalf of You or an Insured Person, then this Policy shall be
void and all benefits paid under it shall be forfeited.
g) Other Insurance
If at the time when any claim arises under this Policy, there is in existence any
other Policy effected by any Insured Person or on behalf of any Insured Person
which covers any claim in whole or in part made under this Policy (or which would
cover any claim made under this Policy if this Policy did not exist) then We shall
not be liable to pay or contribute more than Our rateable proportion of the claim.
GENERAL CONDITIONS:
a) Conditions Precedent
The fulfilment of the terms and conditions of this Policy (including the
payment of premium by the due dates mentioned in the Schedule) insofar
as they relate to anything to be done or complied with by You or any Insured
Person shall be conditions precedent to Our liability.
b) Insured Person
Only those persons to whom a Certificate of Insurance has been issued shall
be covered under this Policy. Any person may be accepted as an Insured
Person during the Policy Period only after his application has been accepted
by Us, additional premium has been paid and We have issued a Certificate
of Insurance to such person.
c) Notification of Claim
1) If any treatment, consultation or procedure for which a claim may be made
is required in an emergency, then We or Our Assistance Company must be
informed within 7 days of the beginning of such treatment, consultation or
procedure.
2) In all other cases, We or Our Assistance Company must be informed of any
event or occurrence that may give rise to a claim under this Policy within 7
days of the occurrence of the event giving rise to the claim.

Policy Wording

If the other insurance which also covers, or would cover, a claim made by the
Insured Person includes a policy/Certificate of Insurance issued by Us, then Our
total liability shall not exceed the amount that would have been payable under
the policy/Certificate of Insurance which pays the highest monetary benefit
for the claim made, and further Our liability shall be restricted to Our rateable
proportion if there is a policy issued by another Insurer.
h) Subrogation
You and/or any Insured Persons shall at Your own expense do or concur in
doing or permit to be done all such acts and things that may be necessary or
reasonably required by Us for the purpose of enforcing and/or securing any civil
or criminal rights and remedies or obtaining relief or indemnity from any other
party to which We are or would become entitled upon Us making reimbursement
under this Policy, whether such acts or things shall be or become necessary or
required before or after Our payment. Neither You nor any Insured Person shall
prejudice these subrogation rights in any manner and shall at Your own expense
provide Us with whatever assistance or cooperation is required to enforce such
rights. Any recovery We make pursuant to this clause shall first be applied to the
amounts paid or payable by Us under this Policy and Our costs and expenses
of effecting a recovery, whereafter We shall pay any balance remaining to You.
i) Alterations to the Policy
This Policy constitutes the complete contract of insurance. This Policy cannot be
changed or varied by anyone (including an insurance agent or broker) except Us,
and any change We make will be evidenced by a written endorsement signed
and stamped by Us.
j) Notices
Any notice, direction or instruction under this Policy shall be in writing and if it is to:
1) Any Insured Person, then it shall be sent to You at Your address specified in
the Schedule and You shall act for all Insured Persons for these purposes.
2) Us, it shall be delivered to Our address specified in the Schedule. No
insurance agents, brokers or other person or entity is authorised to receive
any notice, direction or instruction on Our behalf unless We have expressly
stated to the contrary in writing.
k) Dispute Resolution Clause
Any and all disputes or differences under or in relation to this Policy shall be
determined by the Indian Courts and subject to Indian law.
l) Geography
This Policy applies to incidents anywhere within India only, and it is expressly
agreed that an Insured Persons usual place of residence for the purposes of this
Policy and the benefits payable under it will be and remain within India.
m) Termination
1) You may terminate this Policy at any time by giving Us written notice, and
the Policy shall terminate when such written notice is received by Us. If
no claim has been made under the Policy then We will refund premium in
accordance with the table below:
Length of time Policy in force
Refund of premium
Upto 1 Month
75.00%
Upto 3 Months
50.00%
Upto 6 Months
25.00%
Exceeding 6 Months
0%
2) We are under no obligation to give notice that the Policy is due for renewal,
or to renew it or to renew it on the same terms whether as to premium or
otherwise. We shall be entitled to call for and receive any information or
documentation before agreeing to renew the Policy, and in renewing We are
not bound to renew for all Insured Persons.
3) The Certificate of Insurance will terminate no later than the expiry date
mentioned therein or the end of the Risk Period (whichever is earlier). No
renewal or extension of the Certificate of Insurance will be permitted. After
the commencement of the Risk Period, the amount paid for the Certificate of
Insurance will be non-refundable.
DEFINITIONS
The terms defined below have the meanings ascribed to them wherever they
appear in this Policy and, where appropriate, references to the singular include
references to the plural; references to the male include the female and references
to any statutory enactment include subsequent changes to the same.
a) Accident or Accidental means a sudden, unforeseen and unexpected
event caused by external, violent and visible means (but does not include
any Illness) which results in physical bodily injury during the Risk Period.
b) Accumulation Limit means the amount stated in the Schedule which
represents Our maximum liability for all claims under any and all benefits
from all Insured Persons arising from the same Accident, event or occurrence
or series of related Accidents, events or occurrences, and if at any time
the total value of unpaid claims would, if paid, result in the Accumulation
Limit being exceeded (even if the Sum Insured is not) the individual benefits
attributable to those outstanding claims shall be reduced pro rata as
necessary to ensure that the Accumulation Limit is not exceeded.
c) Age or Aged means completed years as at the commencement date.
d) Carrier means a civilian air carrier :
1) which is operating under a valid licence issued by the appropriate
Indian governmental authority for the transportation of passengers
within India by air for a fee, and
2) which maintains and publishes tariffs for regular passenger air services
which it operates between named cities at regular and specified times.
e) Certificate of Insurance means the certificate We issue to an Insured
Person. The Certificate of Insurance can only be issued prior to the
commencement of the Risk Period.
f) Deductible means, in respect of each and every claim, the amount stated
in the Schedule which will first be paid by each Insured Person or apply for
the period of time stated in the Schedule.
g) Medical Practitioner means a person who holds a qualification in
medicine from a recognised institution and is registered and licensed
by a state council, governed by the Medical Council of India, in which he
operates and is practicing within the scope of such license and will include
(but is not limited to) physicians, specialists and surgeons who satisfy the
aforementioned criteria.
h) Hospitalisation or Hospitalised means the Insured Persons admission
into a Hospital for medically necessary treatment as an inpatient for a
continuous period of at least 24 hours following an Accident occurring
during the Risk Period.
i) Hospital means any institution in India (including nursing homes)
established for medical treatment which:
Either:
has been registered and licensed as a hospital with the appropriate local or
other authorities competent to register hospitals in the relevant area and is
under the constant supervision of a Medical Practitioner and is not, except
incidentally, a clinic, rest home, or convalescent home for the addicted,
detoxification centre, sanatorium, home for the aged, mentally disturbed,
remodelling clinic or similar institution.
Or:
(i) is under the constant supervision of a Medical Practitioner, and
(ii) has fully qualified nursing staff (that hold a certificate issued by
a recognised nursing council) under its employment in constant
attendance , and
(iii) maintains daily records of each of its patients, and
2) We may terminate this Policy without assigning any reason upon 30 days
notice by sending an endorsement to Your address shown in the Schedule,
and We shall refund a rateable proportion of the premium as long as no
claim has been made under the Policy. If the Policy is cancelled, then each
Certificate of Insurance which is already in force under the Policy will
continue in force until the end of the Risk Period.
3) The amount paid for any Certificate of Insurance will be non-refundable.
n) Renewal
1) This Policy will terminate no later than the expiry date of the Policy Period
unless we have agreed in writing to an extension of the Policy Period and
Our conditions for agreeing to the extension, including as to the payment of
additional premium, have been met.

Policy Wording

(iv) has at least 10 inpatient beds, and
(v) has a fully equipped and functioning operation theatre.
j) Illness means a sickness (a condition or an ailment affecting the general
soundness and health of the Insured Persons body) or a disease (an
affliction of the bodily organs having a defined and recognized pattern of
symptoms) or pathological condition leading to the impairment of normal
physiological function which first manifests itself and requires medical
treatment during the Risk Period. For the avoidance of doubt, Illness does
not mean and this Policy does not cover any mental illness or sickness
or mental disease (including but not limited to a psychiatric condition,
disorganisation of personality or mind, or emotions or behaviour) even if
caused by or aggravated by or related to an Accident or Illness. In relation
to Section Trip Cancellation, however, it is agreed that the first manifestation
requiring Hospitalisation must occur after the Certificate of Insurance is
issued.
k) Immediate Family Member means the Insured Persons legal spouse,
parent, parent-in-law, child.
l) Insured Person means the persons to whom a Certificate of Insurance has
been issued.
m) Medical Expenses means those reasonable and customary medical
expenses that an Insured Person has necessarily and actually incurred for
medical treatment during the Risk Period or Policy Period and on the advice
of a Medical Practitioner following an Accident during the Risk Period, as
long as these are no more than would have been payable if the Insured
Person had not been insured and no more than other hospitals or Medical
Practitioners in the same locality would have charged for the same medical
treatment.
n) Money means cash, bank drafts, current coins, bank and currency notes,
treasury notes, cheques, travellers cheques, postal orders and current
postage stamps (which are not part of a collection).
o) Outpatient Treatment means consultation, diagnosis or medical treatment
taken by any Insured Person at an outpatient department of a Hospital, clinic
or associated facility, provided that he is not Hospitalised.
p) Policy means Your statements in the proposal form, Certificate of Insurance,
this policy wording (including endorsements, if any) and the Schedule.
q) Policy Period means the period between the commencement date and the
expiry date specified in the Schedule.
r) Pre-existing Condition means any condition, ailment or injury or related
condition(s) for which Insured Person had signs or symptoms, and / or were
diagnosed, and / or received medical advice/ treatment, within 36 months
prior to the commencement of the Insured Person first being covered under
this Policy
s) Risk Period means only the period between:
1) The scheduled time of departure of the Carrier on which the Insured
Person is booked to travel as a fare paying passenger, and
2) The earlier of:
a. The time when the Insured Person returns to his usual place of residence
as shown in the Certificate of Insurance, and
b. The expiry date specified in the Certificate of Insurance.

The Risk Period will be evidenced only by the Certificate of Insurance
issued by Us during the Policy Period.
t) Schedule means the schedule attached to and forming part of this Policy,
and if more than one then latest in time.
u) Scheduled Railway Carrier means a civilian railway carrier
1) which is operated between named cities under a valid licence issued by
the appropriate Indian governmental authority for the transportation of
passengers within India by railroad for a fee, and
2) which maintains and publishes regular tariffs for regular passenger
rail services which it operates between named cities at regular and
specified times.
v) Sum Insured means, in respect of each Section, the sum shown in the
Schedule against that Section and such sum represents Our maximum
liability for each Insured Person for any and all claims made during the
Policy Period under that Section.
w) Surgical Procedure means an operative procedure for the correction
of deformities and defects, repair of injuries, cure of diseases, relief of
suffering and prolongation of life.
x) Assistance Company means the service provider that We appoint from
time to time as specified in the Schedule.
y) Valuables means photographic, audio, video, computer (including personal
data assistants or handheld computers), telecommunications, electronic
and electrical equipment, cellular phones, data recorded on tapes, cards,
discs or otherwise, business goods or samples, securities such as credit
cards, debit cards, membership cards, tickets or documents, musical
instruments, telescopes, binoculars, spectacles, contact or corneal lenses,
artificial teeth, bridges or prosthetic limbs, hearing aids, sunglasses, snow
skis, motor vehicles (including accessories), motorcycles, boats, motors,
any conveyance (except bicycles while checked as baggage with a Carrier),
household effects, antiques, watches, art, jewellery, furs and any articles
made of precious stones and metals.
z) We/Our/Us means the Apollo Munich Health Insurance Company Limited.
aa) You/Your or Policyholder means the person named in the Schedule who
has concluded this Policy with Us.
Schedule of Benefits
Benefits
Sum Insured
Deductible
Benefit 1.1 Accident: Medical Treatment
Rs. 100,000
Nil
Benefit 1.2 Accident: Medical Evacuation
Rs. 100,000
Nil
Benefit 1.3 Transportation of Mortal Remains Rs. 100,000
Nil
Benefit 2 Total Loss of Checked-in Baggage
Rs. 7,500
Nil
Benefit 3 Delay of Checked-in Baggage
Rs. 1,000
12 Hrs.
Benefit 4 Personal Liability
Rs. 100,000
Nil
Benefit 5 Personal Accident [24 Hrs.]
Rs. 500,000
Nil
Benefit 6 Trip Cancellation
Rs. 15,000
Nil
Benefit 7 Trip Curtailment
Rs. 15,000
Nil
Benefit 8 Emergency Travel
Rs. 10,000
Nil
Benefit 9 Emergency Hotel
Rs. 10,000
10%
Benefit 10 Flight Delay
Rs. 1,000
Nil
Benefit 11 Trip Delay
Rs. 500
Nil
Section. 5 Claim Related Information

For any claim related queries, intimation of claim, preauthorization, claim
processing, claim status, and submission of claim related documents, You can
contact Us:

Address : Claims Department,

Apollo Munich Health Insurance Company Limited

10th Floor, Building No. 10, Tower B, DLF City Phase II,

DLF Cyber City, Gurgaon-122002

Toll Free : 1800 - 102 - 0333

Fax
: +91 - 124 - 4584112

Email
: claim@apollomunichinsurance.com

Website
: www.apollomunichinsurance.com
Grievance Redressal Procedure
If You have a grievance that You wish Us to redress, You may contact Us with the
details of Your grievance through:

Our website : www.apollomunichinsurance.com

Email
: customerservice@apollomunichinsurance.com

Toll Free: : 1800 - 102 - 0333

Fax
: +91 - 124 - 4584111

Courier
: Any of our Branch office or Corporate office

Policy Wording
Jurisdiction
Office Address
Gujarat, UT of
Dadra & Nagar
Haveli, Daman and
Diu
Shri P. Ramamoorthy (Ombudsman)

Insurance Ombudsman,
Office of the Insurance Ombudsman, 2nd Floor,
Ambica House, Nr. C.U. Shah College, Ashram Road,
AHMEDABAD-380 014.
Tel.:- 079-27546840 Fax : 079-27546142
Email: ins.omb@rediffmail.com
Madhya Pradesh &

Chhattisgarh
Office of the Insurance Ombudsman, Janak Vihar
Complex, 2nd Floor, 6, Malviya Nagar, Opp. Airtel, Near
New Market, BHOPAL(M.P.)-462 023.
Tel.:- 0755-2569201 Fax : 0755-2769203
Email: bimalokpalbhopal@airtelmail.in
Orissa
Shri B. P. Parija (Ombudsman)

Insurance Ombudsman, Office of the Insurance
Ombudsman, 62, Forest Park,
BHUBANESHWAR-751 009.
Tel.:- 0674-2596455 Fax : 0674-2596429
Email: ioobbsr@dataone.in
Punjab, Haryana,
Himachal Pradesh,
Jammu & Kashmir,
UT of Chandigarh
Shri Manik Sonawane (Ombudsman)

Insurance Ombudsman, Office of the Insurance
Ombudsman, S.C.O. No.101-103, 2nd Floor, Batra
Building. Sector 17-D, CHANDIGARH-160 017.
Tel.:- 0172-2706468 Fax : 0172-2708274
Email: ombchd@yahoo.co.in
Tamil Nadu, UTPondicherry Town

and Karaikal (which
are part of UT of
Pondicherry)
Office of the Insurance Ombudsman,
Fathima Akhtar Court, 4th Floor, 453 (old 312), Anna
Salai, Teynampet, CHENNAI-600 018.
Tel.:- 044-24333668 /5284 Fax : 044-24333664
Email: chennaiinsuranceombudsman@gmail.com
Delhi & Rajasthan
Shri Surendra Pal Singh (Ombudsman)

Office of the Insurance Ombudsman, 2/2 A, Universal
Insurance Bldg., Asaf Ali Road, NEW DELHI-110 002.
Tel.:- 011-23239633 Fax : 011-23230858
Email: iobdelraj@rediffmail.com
Assam, Meghalaya,
Manipur, Mizoram,
Arunachal Pradesh,
Nagaland and
Tripura
Shri D.C. Choudhury (Ombudsman)

Office of the Insurance Ombudsman, Jeevan Nivesh,
5th Floor, Near Panbazar Overbridge, S.S. Road,
GUWAHATI-781 001 (ASSAM).
Tel.:- 0361-2132204/5 Fax : 0361-2732937
Email: ombudsmanghy@rediffmail.com
Jurisdiction
Office Address
Andhra Pradesh,
Karnataka and
UT of Yanam - a
part of the UT of
Pondicherry
Office of the Insurance Ombudsman,

6-2-46, 1st Floor, Moin Court, A.C. Guards, Lakdi-KaPool,
HYDERABAD-500 004.
Tel : 040-65504123 Fax: 040-23376599
Email: insombudhyd@gmail.com
Kerala, UT of (a)
Lakshadweep, (b)
Mahe - a part of UT
of Pondicherry
Shri R. Jyothindranathan (Ombudsman)

Office of the Insurance Ombudsman, 2nd Floor, CC
27/2603, Pulinat Bldg., Opp. Cochin Shipyard, M.G.
Road,
ERNAKULAM-682 015.
Tel : 0484-2358759 Fax : 0484-2359336
Email: iokochi@asianetindia.com
West Bengal, Bihar,

Jharkhand and
UT of Andeman &
Nicobar Islands,
Sikkim
Ms. Manika Datta (Ombudsman)

Office of the Insurance Ombudsman, 4th Floor,
Hindusthan Bldg. Annexe, 4, C.R.Avenue,
Kolkatta - 700 072.
Tel: 033 22124346/(40) Fax: 033 22124341
Email: iombsbpa@bsnl.in
Uttar Pradesh and

Uttaranchal
Shri G. B. Pande (Ombudsman)

Office of the Insurance Ombudsman, Jeevan Bhawan,
Phase-2, 6th Floor, Nawal Kishore Road, Hazaratganj,
LUCKNOW-226 001.
Tel : 0522 -2231331 Fax : 0522-2231310
Email: insombudsman@rediffmail.com
Maharashtra , Goa
Office of the Insurance Ombudsman, S.V. Road,
Santacruz(W), MUMBAI-400 054.
Tel : 022-26106928 Fax : 022-26106052
Email: ombudsmanmumbai@gmail.com
IRDA REGULATION NO 5: This policy is subject to regulation 5 of IRDA (Protection

of Policyholders Interests) Regulation.
AMHI/PR/H/0012/0008C/102010/P
You may also approach the grievance cell at any of Our branches with the details
of Your grievance during Our working hours from Monday to Friday.
If You are not satisfied with Our redressal of Your grievance through one of
the above methods, You may contact Our Head of Customer Service at The
Grievance Cell, Apollo Munich Health Insurance Company Ltd., Tenth Floor,
Building No. 10, Tower - B, DLF Cyber City, DLF City Phase II, Gurgaon,
Haryana - 122002
If You are not satisfied with Our redressal of Your grievance through one of
the above methods, You may approach the nearest Insurance Ombudsman for
resolution of Your grievance. The contact details of Ombudsman offices are
mentioned below.
Ombudsman Offices

Quick reference guide for making a claim
Benefit
Claim Supporting Documents
Accident: Medical
Treatment, Assistance &
Evacuation
Apollo Munich Health Insurance Company Limited will provide the insurance cover detailed in the master Policy
Signed claim form
Medical reports and discharge summary issued by the Hospital or prescriptions and medical report from the Medical
Practitioner furnishing the name of the Insured, period of treatment and details of treatment rendered.
Bills / receipts for
a. Charges paid towards Hospital accommodation, nursing facilities and other medical services rendered;
b. Fees paid to the medical practitioner, special nursing charges, etc.
c. Charges incurred towards any and all test and / or examinations rendered in connection with the treatment.
d. Charges incurred towards medicines or drugs purchased from a registered pharmacy other than the Hospital duly
supported by the prescriptions of the Medical Practitioner attending to the Insured.
Address proof
Total Loss of Checked-in

Baggage
Signed claim form

Statement of claim furnishing the details of items contained in the Checked-In Baggage.
Property Irregularity Report issued by the Common Carrier clearly accepting the Total Loss of Checked in baggage along with
Compensation details
Address proof
Delay of Checked-in
Baggage
Signed claim form

Property irregularity report stating the scheduled time of delivery and actual time of delivery of the Checked-In Baggage issued
by the Common Carrier;
Voucher of the Common Carrier for the compensation paid for the delay in delivery of the Checked-In Baggage;
Invoices and receipts towards personal items purchased
Address proof
Personal Liability
Signed claim form

An application letter/statement detailing the incident of personal liability, circumstances, location and liability.
Witness statements
Proof of judicial decision rendered by a court of law.
Copy of police report (in case of legal case)
Apart from the above, any other documents as required by the claims department.
Address proof
Personal Accident [24

hours]
Signed claim form

Discharge summary
Death certificate mentioning cause of death (in case of death)
Disability certificate
Copy of policy report
Address proof
Flight delay
Signed claim form

Invoices and Receipts Towards meals and accommodation
Letter from the Airline clearly stating the reason for delay along with duration of delay
Address proof
Trip Cancellation
Signed claim form

Proof of Cancellation of the Trip
Discharge Summary along with recommendation from the Medical Practitioner on necessity of Trip Cancellation
Death certificate in case of Cancellation due to death
Proof of incurred expenses which is paid and cannot recover (only towards travel and accommodation)
Address proof

Quick reference guide for making a claim
Benefit
Claim Supporting Documents
Trip Curtailment
Emergency Travel
Address proof
Attested copy of Discharge Summary
Original Invoice, Receipts and Boarding pass along with copy of Air tickets
Signed claim form
Emergency Hotel
Signed claim form

Attested copy of Discharge Summary
Copy of Air ticket along with Original Boarding pass
Original Invoice and receipts towards boarding and Lodging
Address proof
Trip delay
Signed claim form

Invoices and Receipts Towards meals and accommodation
Letter from the Airline clearly stating the reason for delay along with duration of delay
Address proof
Signed claim form

Proof of Cancellation of the Trip
Discharge Summary along with recommendation from the Medical Practitioner on necessity of Trip Cancellation
Death certificate in case of Cancellation due to death
Proof of incurred expenses which is paid and cannot recover (only towards travel and accommodation)
Address proof
This is a summary of benefits and exclusions, pl refer to policy terms and conditions for full description.
Insurance is subject a matter of solicitation.

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Easy Domestic Travel Insurance

Quick reference guide to benefits offered

Specially designed for makemytrip customers

Does not cover

Total Loss of Checked-in

Reimbursement upto Rs.1, 000 for purchasing

Personal Accident [24

Any delay which is of less than 12 hours