Inclusions | Inclusions Exclusions |
Medical and Dental Expenses:
These include medical expenses, repatriation, emergency medical evaluation. Even dental care expenses such as | Cosmetic surgery:
Cosmetic surgery isn’t covered, unless essential as part of treatments for accidents when abroad. |
Personal Accident:
Compensation for bodily injuries, permanent or partial disablement, death caused in an accident. | Self-inflicted injury/harm:
Suicide, alcoholism, depression, or any direct/indirect loss due to death, illness, etc. won’t be covered. |
Compassionate Visit:
If one is hospitalized for more than a certain number of days then the reimbursement and stay expenses of their family member too are covered. | Participation in warfare:
Coverage isn’t provided if one is involved in the naval, military, or air force operations |
Study Interruption:
Tuition fees are reimbursed in case of discontinuation due to hospitalization, injury, etc. | Performing professional and risky sports:
Participating in risky winter sports, like mountaineering isn’t covered unless specifically agreed and mentioned in the policy document. |
Legal Expenses/Personal liability:
All legal costs and expenses are covered in case of claims towards third-party liabilities that arise out of death or bodily injuries. Bail amount is given if the insured is arrested or detained by police . | Non-Allopathic treatment:
Yogic, homeopathic, unani, and ayurvedic treatments are strictly excluded . |
Daily Cash Allowance:
Payment of daily allowance for the number of days that the insured person is hospitalized beyond the specific number of days | Medical expenses due to unproven treatment:
Coverage isn’t provided for expenses with respect to unproven or experimental treatment. |
Loss of essentials:
Loss/theft of passport, documents, delay or loss of checked-in baggage is compensated. | Illegal Activity:
If one is involved in a hazardous occupation or engages in criminal activities while on the trip abroad, coverage won’t be provided. |
Trip cancellation/delay:
Be it because of technical issues by the airline, natural disasters, medical, or any other reason, compensation is given for trip cancellation, delay or interruption . | Limitations in medical expenditure:
Daily allowance isn’t paid in case of hospitalization for certain pre-existing conditions. |
Emergency Accommodation:
Due to some natural disaster, if the insured isn’t able to stay in the original accommodation, compensation for additional cost of emergency accommodation will be provided. | Treatment that could be delayed until return:
Coverage isn’t provided, if the treating physician and the emergency service provider decide that the treatment could have been delayed until return to India. |
Hijack Distress:
In case if there is hijack on a common carrier for a certain number of hours, distress allowance is compensated. |
Home and Fire Insurance:
Any kind of loss or damage of the things at the insured’s home back in India caused by theft/fire will be covered. |
