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  • Always buy travel insurance as it guards your family and provides a hassle free travel experience.
  • Always go for an adequate insurance cover depending on your travel destination, health, climate and medical care costs applicable there.
  • Ensure your travel insurance covers your entire trip and activities you plan to take up.
  • Travel insurance is a contract, so thoroughly read the product disclosure statement and ensure you understand the terms and conditions mentioned in the policy cover.
  • Ensure you reveal any pre-existing medical conditions in the policy. Failure to do so may nullify coverage.
  • Always carry original insurance policy kit during travel.
  • Make sure you keep claim assistance numbers saved in your mobile while travelling.
  • Always declare and submit medical reports if asked by insurance company for smooth claim settlement.


A Travel Insurance Policy provides you medical benefits in terms of money.
  • Coverage/Plan
  • Medical Expenses
  • Dental Care Expenses
  • Loss of Passport
  • Total Loss of Checked baggage
  • Delay of Checked Baggage
  • Personal Liability
  • Daily Allowance in case of Hospitalization
  • Hijack Distress Allowance
  • Trip Delay
  • Trip Cancellation & Interruption
  • Missed Connection
  • Compassionate visit
  • Seat Bumping
  • Loss of International driving license
  • Personal Accident
  • Warranted that insured is a citizen of India and has a permanent place of residence in India and is not a NRI or OCI or foreign national and was within the territory of India at the time of issuance of the policy and before the commencement of the trip.

  • Warranted that Purpose of visit will be either liesure or personal business only.

  • Any expenses related to pre existing illness/ disability/diseases and its related complications/ consequences are not payable under the policy.

  • Warranted that Declaration of any Pre existing Condition, using words / terms which mean any disease/illness which are same or similar to - Cancer / Leukemia / Malignant Tumor, Cardiac ailments, COPD, HIV /AIDS, Insulin Dependent Diabetes, Kidney Ailment, Liver Disease, Neurological Disorder / Stroke /Paralysis, Thalasemia will render this policy null and Void-ab-initio and the Company shall have no liability under the policy clean health history.

  • Repatriation of Mortal remains USD 7,500

  • Warranted that maximum amount payable per checked-in baggage in case more than one bag has been checked in, is 50% (100% for only one checked-in baggage) of applicable Sum Insured and per item in baggage max 10%.

  • Warranted that policy does not cover any claim arising out of sporting activities or participate.

  • Warranted that payment for Life Saving unforeseen emergency measures provided to the Insured /Insured Person by the Physician for hospitalisation arising out of a pre-existing disease shall be restricted to US 10,000 per insured in aggregate during the Policy Period subject to Sum Insured under the Medical Expenses.

  • Per accident - Per Group limit - USD. 50,000 and Any one year USD 1,00,000

  • Personal liability - per incidence limited to USD 25,000

  • Plan 3L & 5L :- For age <=60 years limit of liability of the company should be restricted to US $1,00,000 per illness/disease/accident sustained or contracted within the period of insurance whilst on the trip abroad that may lead to one or more medical expenses and/or hospitalization expenses.

  • For details on coverage, exclusion, terms and conditions the certificate should be read with master policy issued to << >> vide policy no.

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