BENEFIT TABLE – DOMESTIC TRAVEL INSURANCE

COVERAGE- Domestic Cruise Plan Details

SUM INSURED DEDUCTIBLE
Hospitalization Expenses for Illness (incl COVID) 7,00,000 Nil
& Injury
Outpatient Treatment Expenses for Injury 1,00,000 Nil
Outpatient Treatment Expenses for Illness Up to 25,000 1,000
PED cover in case of life threatening condition Up to 10% of SI Nil
PA Cover in India (24 hours before and after trip) 15,00,000 Nil
Trip Cancellation & Interruption 1,50,000 2,500
Medical Evacuation 5,00,000 Nil
Repatriation Of remains 2,50,000 Nil
Missed Cruise 25,000 Nil
Doctor on call and discount connect Included Nil

Age band covered 6 months - 80 years

BENEFIT TABLE – INTERNATIONAL TRAVEL

INSURANCE

Coverages- Overseas Cruise Plan Details

SUM INSURED DEDUCTIBLE
Hospitalization expenses for Illness (including USD 1,00,000 USD 200
COVID) and Injury
Outpatient Treatment Expenses for Injury Included in Above Nil
Outpatient Treatment Expenses for Illness Up to USD 10,000 USD 50
PED cover in case of life threatening condition Up to 10% of SI Nil
Medical Evacuation USD 75,000 Nil
Emergency Dental Pain Relief included in above USD 1,000 Nil
limits
Personal Accident USD 25,000 Nil
Trip Cancellation or interruption USD 1200 USD 50
Trip Delay (by the carrier) 50 USD per 12 hrs to Nil
max 200 USD
Loss of Passport USD 500 Nil
Personal Liability INR 2,00,000 USD 100
Repatriation of Remains USD 7,500 Nil
Accidental Death & Disability (Common Carrier) USD 5,000 Nil
Hospitalization Daily Allowance 20 USD per day to Nil
max 100 USD
Emergency Cash Benefit USD 750 Nil
Bounced Hotel USD 700 Nil
PA Cover in India (24 hours before and after trip) INR 1,00,000 Nil
Missed Cruise USD 500 Nil
Doctor on call and discount connect Included Nil

Age band Covered 6 months - 80 years

POLICY WORDINGS FOR TRAVEL INSURANCE-
INTERNATIONAL AND DOMESTIC

IN-PATIENT CARE
If an Insured Person is diagnosed with an Illness or suffers an Injury during the Period of
Insurance that requires the Insured Person’s Hospitalization, then the Company will indemnify
the Medical Expenses incurred on Hospitalization provided that:
(i) the Hospitalization is on the written advice of a Medical Practitioner;
(ii) the treatment for the Illness or Injury commences during the Period of Insurance and
immediately after the diagnosis of the Illness or occurrence of the Injury;

PRE-EXISTING DISEASE COVER IN LIFE THREATENING MEDICAL CONDITION

The scope of cover under Benefit – ‘Medical Cover’ is extended to the Medical Expenses
incurred by the Insured Person during Hospitalization for the Emergency medical treatment
rendered in case of a Life Threatening Medical Condition, during the Period of Insurance for
any sudden, unexpected, unforeseen development attributable to any Pre-existing Disease,
provided that the approval of the Company or the Assistance Service Provider is obtained
within 48 hours of Hospitalization.
Company will indemnify for the Medical Expenses incurred during Hospitalization on that Life
Threatening Medical Condition due to pre-existing disease up to the limits specified in the
Certificate of Insurance or as opted.

MEDICAL EVACUATION

a) The Company will indemnify up to the Sum Insured specified in the Certificate of Insurance for
the reasonable cost incurred for the Medical Evacuation of the Insured Person in an
Emergency through an Ambulance or any other transportation and evacuation services
(including necessary medical care en- route forming part of the treatment) for any Illness
contracted or Injury sustained by the Insured Person during the Period of Insurance, provided
that:
(i) The treating Medical Practitioner certifies in writing that the severity or the nature of the
Insured Person’s Illness or Injury warrants the Insured Person’s Emergency medical
evacuation;
(ii) These transportation expenses are limited to transporting the Insured Person from the
place of contracting or sustaining such Illness or Injury to the nearest appropriate
Hospital;
(iii) This Optional benefit will be provided on a cashless basis if the costs are certified and
authorized by the Company or the Assistance Service Provider in advance, unless the
Insured Person has a Life Threatening Medical Condition and the Insured Person (or his
representatives) arrange for the Medical evacuation at their own cost and expense in
which case the Company will indemnify the costs incurred on the Medical evacuation in
accordance with the terms of this Optional Benefit;
(iv) Payment under this Optional Benefit is subject to a Claim for the Illness or Injury which
requires Hospitalization and is Medically Necessary.

b) Documents to be submitted for any Claim under this Optional Benefit :

It is a condition precedent to the Company’s liability under this Optional Benefit that the
following information and documentation shall be submitted to the Company or the Assistance
Service Provider immediately and in any event within 30 days of the event giving rise to the
Claim under this Optional Benefit:
(i) Medical reports and transportation details issued by the evacuation agency,
prescriptions and medical report by the attending Medical Practitioner furnishing the
name of the Insured Person and details of treatment rendered along with the statement
confirming the necessity of evacuation;
(ii) Documentary proof for all expenses incurred towards the Medical Evacuation.
REPATRIATION OF MORTAL REMAINS

a) If the Insured Person dies solely and directly due to an Accident, the Company will indemnify
for the costs of repatriation of the mortal remains of the Insured Person back to the Country of
Residence / City of Residence or, up to an equivalent amount, for a local burial or cremation at
the place where death has occurred.

b) Documents to be submitted for any Claim under this Optional Benefit :

It is a condition precedent to the Company’s liability under this Optional Benefit that the
following information and documentation shall be submitted to the Company or the Assistance
Service Provider immediately and in any event within 30 days of the event giving rise to the
Claim under this Optional Benefit:
(i) Copy of the death certificate providing details of the place, date, time, and the
circumstances and cause of death;
(ii) Copy of the postmortem certificate;
(iii) Documentary proof for expenses incurred towards disposal of the mortal remains;
(iv) In case of transportation of the body of the deceased to the Country of Residence / City
of Residence, the receipt for expenses incurred towards preparation and packing of the
mortal remains of the deceased and also for the transportation of the mortal remains of
the deceased.

PERSONAL ACCIDENT

a) If the Insured Person dies or suffers Permanent Total Disablement within twelve months from
the date of occurrence of an Injury solely and directly due to an Accident occurring during the
Period of Insurance, the Company will pay up to the Sum Insured specified in the Certificate of
Insurance in accordance with the table below provided that death or Permanent Total
Disablement is solely and directly due to the Injury and the Insured Person or his
representative arranges for the immediate treatment of the Insured Person in a Hospital.

Sr. Event % of the Sum

No. Insured payable
1 Death 100%
2 Permanent Total Disablement (PTD)
A Loss of sight of both eyes, or actual loss by physical separation of two 100%
entire hands or two entire feet, or one entire hand and one entire foot,
or loss of
sight of one eye and loss of one entire hand or one entire foot
B Loss of sight of one eye, or actual loss by physical separation of one 50%
entire
hand or one entire foot
For the purpose of this Optional Benefit only, physical separation of a hand or foot means
actual severance of hand at or above the wrist, and of foot at or above the ankle.

b) Documents to be submitted for any Claim under this Optional Benefit:

It is a condition precedent to the Company’s liability under this Optional Benefit that the
following information and documentation shall be submitted to the Company or the Assistance
Service Provider immediately and in any event within 30 days of the event giving rise to the
Claim under this Optional Benefit:
(i) Medical reports giving the details of the Accident, nature of the Injury, the extent of
disability (if applicable) and the details of treatment provided.
(ii) Death certificate (if applicable).
(iii) Postmortem certificate
(iv) Police report.
(v) Medical Practitioner’s certificate in case of Injury stating the reasons for and the extent of
the Injury
TRIP CANCELLATION AND INTERRUPTION

a) Trip Cancellation:
i. If the Insured Person’s outward journey as a fare paying passenger from the Country of
Residence / City of Residence to a Place of Destination on a Common Carrier is
unavoidably cancelled before the commencement of the Period of Insurance solely and
directly due to one of the reasons below, then the Company will indemnify for those
travel expenses that the Insured Person paid and cannot recover and for which no value
can be derived:
(i) Earthquake, storm, flood, inundation, cyclone or tempest provided that the peril
takes place prior to the commencement of the Period of Insurance at or in the
vicinity of the Place of Origin of the journey, the ultimate scheduled Place of
Destination or any intermediate place which is involved in or related to the
proposed journey.
(ii) Terrorism provided that the peril takes place prior to the commencement of the
Period of Insurance at or in the vicinity of the Place of Origin of the journey, the
ultimate scheduled Place of Destination or any intermediate place which is involved
in or related to the proposed journey;
(iii) The Insured Person’s Immediate Family Member dies or is Hospitalized in an
Emergency due to an unforeseen Illness or Injury for atleast 2 consecutive days
provided that such Illness or Injury shall occur not earlier than 10 days consecutive
days from the scheduled commencement of the Period of Insurance;
(iv) The Insured Person is Hospitalized in an Emergency due to an unforeseen Illness
or Injury and such Hospitalization commences within 10 days from the scheduled
commencement of the Period of Insurance and continues for at least 2 consecutive
days and the treating Medical Practitioner certifies in writing that the Insured Person
is not fit to undertake travel.
ii. If a Claim is admitted under this Optional Benefit and the Certificate of Insurance
specifies that this is a Single Trip Policy, the Policy shall be immediately and
automatically cancelled on the Company’s admission of the Claim.
iii. If a Claim is admitted under this Optional Benefit and the Certificate of Insurance
specifies that this is an Annual Multi Trip Policy, no other Claim shall be admitted
under the Policy in respect of that Period of Insurance.
iv. Any amount refunded to the Insured Person by the Common Carrier in relation to the
cancellation shall be deducted from the amount payable to the Insured Person under
this Optional Benefit.

b) Trip Interruption:
i. If the Insured Person’s overseas stay is unavoidably curtailed after the
commencement of the Period of Insurance solely and directly due to one of the
reasons below, then the Company will indemnify for the costs of direct route economy
class airfare of the Insured Person to return to the Country of Residence / City of
Residence:
(i) Earthquake, storm, flood, inundation, cyclone or tempest provided that the peril
takes place within the Period of Insurance at or in the vicinity of the Place of Origin
of the journey, the ultimate scheduled Place of Destination or any intermediate
place which is involved in or related to the proposed journey.
(ii) Terrorism provided that the peril takes place within the Period of Insurance at or in
the vicinity of the Place of Origin of the journey, the ultimate scheduled Place of
Destination or any intermediate place which is involved in or related to the
proposed journey;
(iii) The Insured Person’s Immediate Family Member dies or is Hospitalized in an
Emergency due to an unforeseen Illness or Injury and such Hospitalization
continues for at least 5 consecutive days;
ii. Any amount refunded to the Insured Person by the Common Carrier in relation to the
curtailment shall be deducted from the amount payable to the Insured Person under
this Optional Benefit.

c) Exclusions applicable to Optional Benefit 12 - Trip Cancellation and Interruption

 Any Claim in respect of any Insured Person for, arising out of or directly or indirectly due to any
of the following shall not be admissible under this Optional Benefit unless expressly stated to
the contrary elsewhere in the Policy terms and conditions:
(i) strikes or labor disputes or slowdown;
(ii) Interruption or cancellation of the journey either wholly or in partly at the instance of
the Common Carrier (apart from the reasons listed above) or by the travel agent;
(iii) Interruption or cancellation of the journey either wholly or in partly at the instance of
the authority governing the Common Carrier or the government;

d) Documents to be submitted in support of the Claim:

It is a condition precedent to the Company’s liability under this Benefit that the following
information and documentation (as applicable) shall be submitted to the Company or the
Assistance Service Provider immediately and in any event within 30 days of the event giving
rise to the Claim under this Optional Benefit:
(i) Confirmation in writing of cancellation of the journey from the Common Carrier
detailing the circumstances of cancellation;
(ii) Ticket / boarding pass issued by the Common Carrier indicating the cost of ticket
and receipt for the refund of the fare of the Common Carrier towards the
cancelled portion of the journey indicating cancellation charges retained by the
Common Carrier.
(iii) Boarding pass in original for return journey from the place of cancellation to the
Country of Residence / City of Residence which indicates the cost of the tickets
together with the receipts for the refunds obtained towards the unfulfilled portion
of the journey.
(iv) A declaration from the Insured Person furnishing the circumstances that compelled him
/ her to cancel the journey;
(v) Medical evidence as may be required in case of the cancellation of the journey
arising out of personal contingencies of the Insured Person or his / her Immediate
Family Member;
(vi) Receipt for the refund of the fare of the Common Carrier towards the cancelled
portion of the journey indicating the cancellation charges retained;
(vii) Boarding pass in original for return journey from the place of cancellation to the
Country of Residence / City of Residence of the Insured Person together with the
receipts for the refunds obtained towards the unfulfilled portion of the journey.

OUT-PATIENT COVER

The Company shall indemnify the Insured for the Out-Patient Cover reasonably incurred by the
Insured whilst on a Trip during the Period of Insurance.

a) The Company has provided an option to cover either Clause 2.26 (a.1) : Out-patient care or
Clause 2.26(a.2) : Out-patient care for injury.

1. OUT-PATIENT CARE
If an Insured Person suffers an Illness or an Injury that requires the Insured Person to
take Out- patient Care, then the Company will indemnify for the Medical Expenses
incurred on that Out- patient Care.
2. OUT-PATIENT CARE FOR INJURY
If an Insured Person suffers an Injury that requires the Insured Person to take Out-patient
Care, then the Company will indemnify for the Medical Expenses incurred on that Out-
patient Care.

TRIP DELAY

a) If the departure of a Common Carrier in which the Insured Person is scheduled to travel on a
valid ticket during the Period of Insurance is delayed for more than 12 consecutive hours or
consecutive
 hours as specified in the Certificate of Insurance from the later of the declared time of
departure or expected time of departure due solely and directly to any one of the following:
(i) Earthquake, flood, rains, storm, cyclone or tempest; or
(ii) Terrorism
the Company will pay the Sum Insured provided that the Company or the Assistance Service
Provider is given written notice of the delay immediately and in any event within 30 days of
the commencement of the delay and immediate alternative arrangements are made by the
Insured Person for progressing the journey as scheduled.

b) Exclusions applicable to Trip Delay

Any Claim in respect of any Insured Person for, arising out of or directly or indirectly due to
any of the following shall not be admissible under this Optional Benefit unless expressly
stated to the contrary elsewhere in the Policy terms and conditions:
(i) Any contingencies other than those specifically named above;
(ii) The Common Carrier is taken out of service on the instructions of the Civil
Aviation Authority or any similar authority;

DENTAL EXPENSES

a) The Company will indemnify for the Medical Expenses incurred in connection with any Injury /
illness to the Insured Person’s Sound Natural Teeth during the Period of Insurance provided
that:
(i) the treatment is provided by a Medical Practitioner qualified in practicing dentistry or
dental surgery;
(ii) For the purposes of this Optional Benefit only:
Sound Natural Teeth means natural teeth that are either unaltered or are fully restored
to their normal function and are disease-free, have no decay and are not more
susceptible to Injury than unaltered natural teeth.

b) Exclusions
Any Claim in respect of any Insured Person for, arising out of or directly or indirectly due to any
of the following shall not be admissible under this Optional Benefit unless expressly stated to
the contrary elsewhere in the Policy terms and conditions:
(i) Treatment of any orthopedic, degenerative or oenological diseases;
(ii) Rest or recuperation at a spa or health resort, sanatorium, convalescence home or
similar institution;
(iii) Treatment, which could reasonably be delayed until the Insured Person's return to the
Country of Residence / City of Residence.

c) Documents to be submitted for any Claim:

It is a condition precedent to the Company’s liability under this Optional Benefit that the
following information and documentation shall be submitted to the Company or the Assistance
Service Provider immediately and in any event within 30 days of the event giving rise to the
Claim under this Optional Benefit:
(i) Original pathological or diagnostic reports and medical prescriptions issued by the
treating Medical Practitioner or Hospital;
(ii) Original Bills and receipts for:
i. Fees paid to the Medical Practitioner and special nursing charges.;
ii. Charges incurred towards any and all test and / or examinations rendered in
connection with the treatment;
(iii) 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 Person.
(iv) Any other information or documentation related to the treatment taken.

LOSS OF PASSPORT
 a) If the Insured Person loses his original passport, the Company will indemnify the cost incurred
by the Insured Person towards obtaining a duplicate or new passport.

b) Documents to be submitted for any Claim:

It is a condition precedent to the Company’s liability under this Optional Benefit that the
following information and documentation shall be submitted to the Company or the Assistance
Service Provider immediately and in any event within 30 days of the event giving rise to the
Claim under this Optional Benefit:
(i) Copy of the police report;
(ii) Statement of Claim for the expenses incurred;
(iii) Original receipt for payment of charges to the authorities for obtaining a new or duplicate
passport.

COMMON CARRIER FATALITY

If the Insured Person dies within twelve months from the date of occurrence of an Injury solely
and directly due to an Accident occurring during the Period of Insurance whilst the Insured
Person is mounting into or dismounting from or travelling in a Common Carrier on a valid
ticket, the Company will pay the Sum Insured provided that death is solely and directly due to
the Injury.

PERSONAL LIABILITY

a) The Company shall indemnify the Insured Person against actual legal liability for Damages for
Accidental Injury or property damage to third parties arising on account of Insured Person’s
negligence for which civil claim is made or suit brought against the Insured Person by the third
parties not later than 60 days from the expiry of the Period of Insurance.
b) The Company shall also indemnify the Insured Person towards the cost of defense maximum
up to 10% of claim amount incurred upon the prior written consent of the Company.

c) Exclusions
Any Claim in respect of any Insured Person for, arising out of or directly or indirectly due to any
of the following shall not be admissible under this Optional Benefit unless expressly stated to
the contrary elsewhere in the Policy terms and conditions:
(i) Liability of the Insured Person in relation to any professional services rendered by him;
(ii) Liability for injury or damage of any kind whilst the Insured Person is engaged in his
business activities or in course of business activities;
(iii) Liability assumed by the Insured Person by an agreement or contract which would not
have attached in the absence of such agreement or contract;
(iv) Liability arising out of any Acts of God including but not limited to earthquake, earth-
tremor, volcanic eruption, flood, storm, tempest, typhoon, hurricane, tornado, cyclone or
other similar acts or convulsions of nature and atmospheric disturbances;
(v) Fines, penalties, punitive or exemplary damages of any kind;
(vi) Liability arising from the use of any motor vehicle, aircrafts, water crafts and other vehicles;
(vii) Any liability, which is the subject matter of specific insurance elsewhere;
(viii) Any personal liability of the Insured Person towards his family, relations or traveling
companions, whether personal or official or commercial;
(ix) Liability resulting from transmission of an illness or disease by the Insured Person;
(x) Personal liability arising out of false arrest, wrongful eviction, wrongful detention,
defamation, libel or slander or mental trauma, anguish, or shock resulting there from;
(xi) Liability arising out of any infringement of intellectual property rights such as copyright,
patent, trademark, registered designs and trade secrets;
(xii) Liability arising from the possession of animals, birds, reptiles or insects and their
byproducts such as skin, hair, feathers, horns, fur, ivory, bones or eggs;
 (xiii) Liability arising from the ownership or possession of vehicles, aircrafts or water crafts or
activities of the Insured Person involving parachuting, hang-gliding, hot air ballooning or
the use of firearms;
(xiv) Liability arising from insanity, use or abuse of any intoxicant, alcohol or drugs (except as
medically prescribed) or drug addiction;
(xv) Liability arising from any supply of goods or services on the part of the Insured Person;
(xvi) Liability arising from any ownership or occupation of land or buildings other than the
occupation of any temporary residence;
(xvii) Any liability arising from a contingency occurring anywhere in the Country of Residence /
City of Residence of the Insured Person;
(xviii) Liability arising out of any breach of law or rules or any criminal liability.
d) Terms and conditions applicable
(i) Every notice, writ, summons or process and all documents relating to the Claim/ event
shall be forwarded to the Company immediately on receipt by the Insured Person.
(ii) No admission, offer, promise or payment shall be made or given by or on behalf of the
Insured Person without the prior written consent of the Company.
(iii) Insured Person shall fully co-operate and support and act as per the advise of the
Company or the Assistant Service Provider.
(iv) Insured Person shall fully support the Company in reaching a compromise with the
aggrieved party and/ or to take such steps as may be required to bring the Claim to an
amicable settlement.
(v) All amounts incurred by the Company in the defense, settlement and/or payment of any
Claim, will correspondingly reduce the Sum Insured under this Optional benefit.
(vi) In the event the Company chooses to exercise its right pursuant to this condition, no
action taken by the Company in the exercise of such right will serve to modify or expand
in any manner, the Company’s liability or obligations under this Optional Benefit beyond
what the Company’s liability or obligations would have been had it not exercised its
rights under this condition.
(vii) The Insured Person shall not settle or offer for settlement or enter into a compromise
with the claimant or any other person without the prior consent and the written approval
of the Company or Assistance Service Provider.
(viii) The terms and exclusions of this Optional Benefit (and any phrase or word contained
therein) shall be interpreted in accordance with Indian law.

e) Documents to be submitted for any Claim under this Optional Benefit:

It is a condition precedent to the Company’s liability under this Optional Benefit that the
following information and documentation shall be submitted to the Company or the Assistance
Service Provider immediately and in any event within 30 days of the event giving rise to the
Claim under this optional Benefit:
(i) Statement of Claim furnishing particulars of the event leading to the liability such as the
court order;
(ii) Photocopy of the police report (wherever reported).

EMERGENCY CASH ADVANCE

a) If the Insured Person suffers a Financial Emergency, then the Company or the Assistance
Service Provider will co-ordinate with the Insured Person’s relatives in his Country of
Residence / City of Residence, to provide emergency financial assistance to the Insured
Person provided that:
(i) The Company’s liability under this Benefit is limited to organising the delivery of funds
received from the Insured Person’s relatives to the Insured Person in cash within 7 days
from receipt of funds;
(ii) The Company shall not have or be deemed to have any direct financial liability to the
Insured Person under this Optional Benefit;
(iii) This Optional Benefit shall not be available more than once during the Policy Period.
 For the purpose of this Optional Benefit only Financial Emergency means the Insured
Person’s loss of Money (money, travelers cheque or credit cards issued in favor of the
Insured Person) available with him such that he has insufficient Money to continue the
journey but not including any immediate financial support available to the Insured Person from
any alternative source on request and/ or any emergency situation encountered by him by
causes other than substantial loss of money and/ or where a Financial Emergency is not an
immediate and instantaneous consequence at the place of loss of money;

b) Documents to be submitted for any Claim:

It is a condition precedent to the Company’s liability under this Optional Benefit that the
following information and documentation shall be submitted to the Company or the Assistance
Service Provider immediately and in any event within 30 days of the event giving rise to the
Claim under this Optional Benefit:
(i) A copy of the complaint lodged with the police authorities or the first information report.

MISSED CONNECTION

a) If the Insured Person misses the connecting flight solely and directly due to the delayed
arrival of the Common Carrier in which the Insured Person was traveling on a valid ticket, the
Company will indemnify the Insured Person for the cost of direct route economy class airfare
actually incurred by the Insured Person to continue the journey to the scheduled Place of
Destination provided that:
(i) The Company shall not be liable to make any payment under this Optional
Benefit if the delay could reasonably have been foreseen by the Insured Person
or if the Insured Person could reasonably have become aware of such delay in
advance;
(ii) The Company shall be liable under this Optional Benefit only if the time gap
between the scheduled arrival of the Common Carrier and the connecting flight is
more than 6 consecutive hours or consecutive hours as specified in the
Certificate of Insurance;
(iii) The Company’s liability to make payment under this Optional Benefit shall be in
excess of the total amount refunded or returned to the Insured Person by flight
service provider.

b) Exclusions
Any Claim in respect of any Insured Person for, arising out of or directly or indirectly due to
any of the following shall not be admissible under this Optional Benefit unless expressly
stated to the contrary elsewhere in the Policy terms and conditions:
(i) A Claim has already been made under either Optional Benefit 10 or Optional Benefit 13.
(ii) Missing of the flight is the result of: Any deviation from the originally scheduled
route at the instance of the Insured Person for any reason whatsoever;
(iii) Any advance intimation given to the Insured Person of a possible delay of the
Common Carrier that might lead to missing of connecting flight;
(iv) Any circumstances other than those directly attributable to the delay of the earlier
Common Carrier.

c) Documents to be submitted in support of the Claim:

It is a condition precedent to the Company’s liability under this Optional Benefit that the
following information and documentation shall be submitted to the Company or the Assistance
Service Provider immediately and in any event within 30 days of the event giving rise to the
Claim under this Optional Benefit:
(i) Confirmation from the Common Carrier of the delay as to the expected time of
arrival and the actual time of arrival at Place of Destination together;
(ii) Copy of unused ticket for the missed flight;
(iii) Certificate from the Common Carrier of the missed flight that the fare for the part
of the journey covered by the missed flight is forfeited in full or in part together
with the amount of forfeiture;
(iv) Original used ticket obtained afresh towards the alternative flight for the part of
the journey covered by the missed flight indicating the amount paid as fare.
DAILY ALLOWANCE

a) If the Illness or Injury suffered by the Insured Person solely and directly requires the Insured
Person’s Hospitalization during the Period of Insurance, then the Company will pay for each
continuous and completed day of Hospitalization for a maximum duration as specified in the
Certificate of Insurance (maximum up to 60 days), provided that:
(i) The Insured Person is hospitalized for Medically Necessary Emergency Care of any Injury
or Illness suffered; and
(ii) In case of “Zero day” deductible applicability, the Company will pay 50% of Daily
Allowance Limit under this Optional Benefit in case of day care treatment

b) Documents to be submitted for any Claim

It is a condition precedent to the Company’s liability under this Optional Benefit that the
following information and documentation shall be submitted to the Company or the Assistance
Service Provider immediately and in any event within 30 days of the event giving rise to the
Claim under this Optional Benefit: Copy of pathological and diagnostic reports, discharge
summary, indoor case papers and prescriptions issued by the treating Medical Practitioner or
Hospital.

BOUNCE BOOKING

a) The Company will indemnify the Insured Person the actual additional expenses / cost incurred
by the Insured for alternative flight arrangements or for alternative accommodation in the event
of the confirmed flight reservation for any part of the Trip within the Period of Insurance
bouncing at the sole instance of the Common Carrier or bouncing of the confirmed
accommodation booking at place of stay being part of the Trip solely at the instance of the
accommodation provider.
(i) Provided that the Company's liability shall be in relation to the travel covered by such
confirmed booking and in relation to accommodation in the same place of stay and
also provided that the Company's liability to such additional expenses shall be in
relation to the same class of travel and same category of accommodation as the case
may be covered by the original confirmed bookings.
(ii) It is a condition precedent to admission of liability by the Company under this Optional
Benefit that the Insured shall take all steps to fix the primary responsibility for the
bouncing of bookings both with the Common Carrier and / or with the accommodation
provider and try to recover from them the consequential loss incurred by the Insured
by way of additional expenses for alternative travel arrangement or alternative
accommodation arrangement. Details of the steps taken by the Insured shall be
furnished to the Company.
(iii) Any recovery towards additional expenses incurred for alternative travel or
accommodation arrangement effected from the Common Carrier or accommodation
provider as the case may be, if any, effected from the concerned agencies after
settlement of the claim under the policy, shall be remitted to the Company to the
extent of the amount of claim admitted and paid by the Company to the Insured.

b) Exclusions:
Any Claim in respect of any Insured Person for, arising out of or directly or indirectly due to
any of the following shall not be admissible under this Optional Benefit unless expressly
stated to the contrary elsewhere in the Policy terms and conditions:
(i) If the Insured shall fail to adhere to the rules of the Common Carrier or the
accommodation provider in connection with reconfirmation of the booking before the date
of travel or date of accommodation as the case may be;
(ii) In connection with any waitlisted travel booking or accommodation booking irrespective of
whether such bookings have been promised to be confirmed later;
(iii) If the confirmed accommodation is a personal arrangement or is free of charge;
 (iv) Where the alternative arrangements for either the travel or the accommodation is
provided by the Common Carrier or the accommodation provider as the case may be
within 6 hours from the time of departure of the travel covered by the bounced booking or
the time of commencement of stay covered by the earlier confirmed
c) Documents to be submitted for any Claim:
It is a condition precedent to the Company’s liability under this Optional Benefit that the
following information and documentation shall be submitted to the Company or the Assistance
Service Provider immediately and in any event within 30 days of the event giving rise to the
Claim under this Optional Benefit:
(i) A declaration from the Insured that he / she has strictly complied with the rules laid down
by the Common Carrier or accommodation provider as the case may be relating to the
reconfirmation of the booking prior to the date of departure of the flight or occupation of
the accommodation.
(ii) A confirmation from the Common Carrier of the bounced booking solely at their instance
and responsibility.
(iii) A confirmation from the accommodation provider of the bounced booking solely at their
instance and responsibility.
(iv) The Insured shall lodge his / her claim on the Common Carrier and / or the
accommodation provider in writing
(v) Statement of Claim for the expenses incurred;
(vi) Original receipt for payment of charges to the other Common Carrier and / or other the
accommodation provider

ADDITIONAL SERVICES
a) The Company or Assistance Service Provider will arrange for the Insured Person to avail any
of the following services , subject to details as specified in the Policy Certificate, including but
not limited to:

(i) Health Card in physical form

(ii) Doctor On Call
The Company / Assistance Service Provider will arrange for the provision of medical advice to
the Insured Person over the telephone.
(iii) Other value added services as follows:
i. Medical Assistance Services
The Company / Assistance Service provider shall provide Medical assistance service
e.g. Referral, emergency medical assistance etc.
ii. Medical Service Provider Referral
The Company / Assistance Service Provider shall provide to the Insured Person,
upon request, with the name, address, telephone number and, if available, office
hours of physicians, hospitals, clinics, dentists and dental clinics (collectively “Medical
Service Providers”). The Company / Assistance Service Provider shall not be
responsible for providing medical diagnosis or treatment. Although The Company /
Assistance Service Provider shall make such referrals, it cannot guarantee the quality
of the Medical Service Providers and the final selection of a Medical Service Provider
shall be the decision of the Insured Person. The Company / Assistance Service
Provider, however, will exercise care and diligence in selecting the Medical Service
Providers.
iii. Arrangement of Hospital Admission
If the medical condition of the Insured Person is of such gravity as to require
hospitalization, The Company / Assistance Service Provider will assist such Insured
Person in the hospital admission.
iv. Arrangements of Appointments with Local Doctors for Treatment
The Company / Assistance Service Provider shall assist the Insured Person by
arranging for appointments with local doctors for treatment.
v. Medical Translation Service
The Company / Assistance Service Provider will arrange for the provision of medical
translation to the Insured Person over the telephone.
 vi. Delivery of Essential Medicine
The Company / Assistance Service Provider will arrange to deliver to the Insured
Person essential medicine, drugs and medical supplies that are necessary for a
User’s care and/or treatment but which are not available at the Insured Person’s
location. The delivery of such medicine, drugs and medical supplies will be subject to
the laws and regulations applicable locally. The Company / Assistance Service
Provider will not pay for the costs of such medicine, drugs or medical supplies and
any delivery costs thereof.
vii. Arrangement of Compassionate Visit
The Company / Assistance Service Provider will arrange for one return airfare for an
Immediate Family Member of the Insured Person wishing to join the Insured Person
who, when travelling alone, is hospitalized outside the Country of Residence / City of
Residence.
viii. Arrangement of Return of Minor Child
The Company / Assistance Service Provider will arrange for one-way airfares for the
return of minor child to the Country of Residence / City of Residence if they are left
unattended as a result of the accompanying Insured Person’s illness, accident or
Emergency Medical Evacuation. Escort will be provided, when requested.
ix. Arrangement of Parent Accommodation
The Company / Assistance Service Provider will arrange for the hotel accommodation
of the Insured Person’s one of the Parents related to an incident requiring Emergency
Medical Evacuation, Emergency Medical Repatriation or hospitalization.
x. Inoculation and Visa Requirement Information
The Company / Assistance Service Provider shall provide information concerning visa
and inoculation requirements for foreign countries, as those requirements are
specified from time to time in the most current edition of World Health Organization
Publication “Vaccination Certificates Requirements and Health Advice for
International Travel” (for inoculations) and the “ABC Guide to International Travel
Information” (for visas). This information will be provided to the Insured Person at any
time, whether or not the Insured Person is travelling or an emergency has occurred.
The Company / Assistance Service Provider shall inform the Insured Person
requesting such information that The Company / Assistance Service Provider is
simply communicating the requirements set forth in a document and The Company /
Assistance Service Provider shall name the document.
xi. Embassy Referral
The Company / Assistance Service Provider shall provide the address, telephone
number and hours of opening of the nearest appropriate consulate and embassy
worldwide.
xii. Emergency Document Delivery
The Company / Assistance Service Provider shall assist the Insured Person to
arrange for emergency document to be delivered to the Insured Person’s Immediate
Family Member, upon the Insured Person’s request to do so.
xiii. Home Care Assistance
If the medical condition of the Insured Person is of such gravity as to require qualified
nurse, The Company / Assistance Service Provider will assist such Insured Person to
provide reference of such qualified nurse.
xiv. Lifestyle Services
The Company / Assistance Service Provider shall assist the Insured Person by
arranging local lifestyle service provider reference e.g. gym, spa etc.
xv. Diet and nutrition consultation
The Company / Assistance Service Provider shall assist the Insured Person by
arranging for appointments with local diet and nutrition consultation.
xvi. Chat with Medical Practitioners
The Company / Assistance Service Provider will arrange for the provision of medical
advice to the Insured Person over the online chat.
xvii. Preferred pricing and discounts on services offered by fitness centers or diagnostic
centers or dental clinics or pharmacy’s or optical clinics or beauty or Hotel or any
travel related services and skin-clinics
xviii. Special discounts on medical equipment’s or medicines as provided by service providers
xix. Health risk assessment
 Health Risk Assessment (HRA) is an online questionnaire based application, which
empowers the Insured Person to analyze his / her health status and identify health
risks early. HRA helps in early identification and management of risks, promotion of
preventive healthcare, regular follow up and monitoring to ensure effective
management of health status
xx. Crisis Management Services provided by companies
The Company / Assistance Service Provider will arrange to provide emergency alerts
for the country the Insured Person is travelling.
xxi. Tele Support: Basic medical advice and symptom information, pre-travel advice,
Details of local and national support groups, emotional stress related to foreign
environs

It is agreed and understood that:

(i) The Insured Person is free to choose whether or not to obtain the additional services
and, if obtained under this Optional Benefit, then whether or not to act on it.
(ii) This Optional Benefit is for additional information purposes only and does not and should
not be deemed to substitute the Insured Person’s visit/ consultation to an independent
Medical Practitioner.
(iii) The company do not provide the services under this Optional Benefit or make any
representation as to the adequacy or accuracy of the same, the Insured Person’s or any
other person’s reliance on the same or the use to which the services under this Optional
Benefit are put.
(iv) The company do not assume any liability for and shall not be responsible for any actual
or alleged errors, omissions or representations made by any Medical Practitioner or in
any service under this Optional Benefit or for any consequences of actions taken or not
taken in reliance thereon.
(v) The Insured Person shall indemnify the Company and hold the company harmless for
any loss or damage caused by or arising out of or in relation to any opinion, advise,
prescription, actual or alleged errors, omissions or representations made by the Medical
Practitioner or service provider or for any consequences of any action taken or not taken
in reliance thereon.

Terms for admissibility of Claim under this Optional Benefit:

(i) Claim under this Optional Benefit can be claimed only under Cashless Facilities in
accordance with the Policy.
(ii) Payment of Claims for this Optional Benefit is not subject to availability of the Sum
Insured under the Policy.
(iii) The Company or Assistance Service Provider will arrange for the above mentioned
services to the Insured Person; On utilizing these services, the Insured Person shall
make payment for the services (if any), directly to the service provider.

OTHER TERMS AND CONDITIONS:

1. Trip Cancellation (by Traveler) - Extended to a travel companion which will be defined at time
of ticket purchase as someone booking and sharing the cabin with insured on same ticket
2. Accidental death benefit can be offered for 24 hours before cruise reporting and 24 hours
after alighting from cruise [cruise reporting time will be the maximum allowed time defined
to board the cruise for a particular trip & 24hours post the defined de-boarding time at the
end of the trip]
3. In case of missing cruise due to delay in flight only, minimum gap between flight arrival and
cruise reporting time must be >=4 hours [cruise reporting time will be the maximum allowed
time defined to board the cruise for a particular trip]
4. Doctor on Call & Discount Connect – Virtual doctor consultation & Discounts on OPD
expenses such as pharmacy, diagnostics & consultations when services availed through Care
Network partners.
5. Emergency Hospitalization in case it is needed immediately upon de-embankment (max up to
2 hours) and incident had occurred on board will be covered. Proof of being evaluated on
board by doctors will be required.