| The following points are covered for
all our policies *: |
 |
Emergency medical
expenses: Covers medical costs incurred due to illness or
accident including medically necessary and prescribed emergency evacuation.
It covers out-patient, in-patient, medical aid, therapies and diagnostic
tests, as described in the policy schedule |
|
Emergency medical evacuation:
Covers medical costs up to the sum insured for evacuation
to the insured’s home country |
|
Repatriation of remains:
Covers the funeral expenses or expenses to repatriate the remains
back to India, in case of death of the insured overseas |
|
Emergency dental expenses:
Covers acute anesthetic treatment of natural teeth |
|
Hospital cash: Pays
a daily allowance, as stated in the policy schedule, in the event
of hospitalisation either due to sickness or accident |
|
Accidental death and permanent
total disability - common carrier: Pays the sum insured specified
in the schedule in addition to the sum insured specified under the
Personal Accident Section, if the insured sustains Accidental Bodily
Injury during the course of the journey while travelling in a common
carrier such as rail, bus, tram, or aircraft; and such bodily injury
results in death or permanent total disability. |
|
Personal accident:
Pays compensation in case of death or permanent total disability caused
due to an accident |
|
Flight delay: Pays
compensation if the aircraft is delayed for more than 12 hours than
the original scheduled departure time |
|
Loss of passport:
Covers expenses incurred to obtain a fresh or new passport |
|
Loss of checked baggage:
Pays compensation for the permanent loss of checked-in baggage |
|
Delay of checked baggage:
Pays compensation for reasonable expenses incurred for the purchase
of toiletries, clothing and medication due to delay of checked-in
baggage for more than 12 hours |
|
Personal Liability:
Pays compensation for damages to a third party, resulting from death,
injury or damage to his health or property caused involuntarily by
the insured |
|
Financial Emergency Assistance:
Covers the insured person if he/she requires finances due to theft,
pilferage, robbery or dacoity of his / her travel funds. A fixed sum
is paid as emergency assistance up to the limits specified under the
policy |
|
Hotel accommodation:
Pays for the cost of hotel accommodation, if the insured person sustains
bodily injury or sickness, directly and independently of all other
causes, which results in a hospital stay as an in-patient and he/she
misses a flight back to his/her country of residence |
|
Hijack distress allowance:
Covers the insured in the event of hijack of the air or sea common
carrier in which the insured person is traveling, while on a trip
abroad during the period of insurance. An allowance will be paid for
each day of the hijack up to the limits specified under the policy
|
