Frequently Asked Questions
Here is a list of commonly asked questions while applying for visa.
What kinds of medical coverages are provided?
The following medical expenses are covered:
- Travel insurance includes medical expenses, repatriation, and emergency medical evacuation. Even dental care expenses such as acute anesthetic treatment of teeth are covered.
What is a deductible?
“Deductible”means a cost-sharing requirement under this policy, that provides that the insurer will not be liable for a specified rupee amount or percentage of claim amount or number of days or number of hours, as specified in the policy schedule and which will apply before any benefits are payable by the insurer. A deductible does not reduce the sum insured and is applicable per event, upto the specified limits mentioned.
What Is Not Covered Under the Travel Insurance Plan?
- Medical Expenses (inclusive of Repatriation and Emergency Medical Evacuation), Daily Allowance in case of hospitalization, Compassionate Visit benefits, the following will not be payable for Any pre-existing condition, Routine examinations, Expenses for rest or recuperation at spa/ health resort/ sanatorium, Pregnancy (including childbirth, miscarriage, abortion or related complications ) or treatment relating to the removal of physical flaws or anomalies (cosmetic treatment or plastic surgery).
- Cosmetic surgery, unless such cosmetic surgery is rendered medically necessary as part of treatment for accidents and burns whilst being abroad.
- Suicide, attempted or wilfully self inflicted injury or illness, mental disorder, anxiety, stress or depression, venereal disease, alcoholism, drunkenness or the abuse of drugs, or any loss arising, directly or indirectly, from any injury, illness, death, loss, expense, or other liability attributable to HIV and/or any HIV related illness including AIDS and/or any mutant derivative or variation thereof however caused.
- Treatment which could be reasonably delayed until the Insured’s return to India, which will be decided jointly by the treating Physician and the Emergency Assistance Service Provider and shall be in accordance with accepted standards of medical care.
- The Insured taking part in naval, military or air force operations; war and nuclear perils.
- Insured engaging in air travel unless he or she flies as a Fare Paying passenger in an aircraft licensed to carry passengers.
- Participation of the Insured in winter sports, mountaineering and such other professional sports or any other hazardous or potentially dangerous sport for which the Insured members are adequately trained, physically fit and using proper equipment. and that too only if specifically agreed and mentioned in the policy schedule.
- Hazardous occupation, or if engaged in any criminal or illegal act.
- Medical Expenses in respect of experimental, investigational or unproven treatments or treatments 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. Any Illness or treatment which is a result or a consequence of undergoing such experimental or unproven treatment.
- Naturopathy treatment.
- Non Allopathic treatment e.g. - Ayurvedic, Yogic, Homeopathic, Unani treatment(s).
- Under no circumstances shall this insurance contract be deemed to provide cover and no liability be incurred to pay any claim or provide any benefit hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose us to any sanction, prohibition, or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union, United Kingdom, United States of America India
What Is Covered Under Travel Insurance?
Loss of passport and documents
Reimbursement of actual expenses incurred in connection with obtaining a duplicate or fresh passport or reasonable cost of replacing/obtaining the stolen documents/ tickets if the passport belonging to the Insured / Insured Person be lost
Home fire insurance and contents at home burglary insurance
Cover against any loss or damage of the Contents at Home of the Insured in India caused by Fire and Allied perils or through burglary and/or housebreaking while the Insured is on a trip abroad.
Hijack Distress Allowance
Payment of distress allowance in case of hijack of a common carrier for more than certain number of hours whilst on the trip. You can easily avail the allowance by filing a claim online through Travel Insurance cover online
process.
Medical expenses inclusive of repartration and emergency medical evacuation
If you are sick or injured during the journey, your medical expenses can prove to be costly. In such cases, Travel Insurance
cover greatly helps. The insurance company also offers a cashless settlement with the network hospitals or you can also opt for the reimbursement process within 30 days of hospitalisation.
Legal Expenses
Payment of legal costs and expenses incurred by the insured towards claims from third parties for compensation in respect of death or disablement arising due to an injury whilst on a trip abroad.
Personal Accident
Payment of compensation if the Insured sustains accidental bodily injury during a trip resulting in death or Permanent Total Disablement or Permanent Partial Disablement within 12 months of occurrence of such injury.
Trip Cancellation/Or Interruption
Payment towards the non-refundable prepaid payments incurred on the trip being cancelled and additional cost of transportation in case of interruption due to medical problems, personal employment problems or natural disasters or other listed reason in policy wordings.
Trip Delay
Reimbursement of additional expenses if trip is delayed beyond a period, due to airline problems, medical problems, personal employment problems or natural disasters.
Daily Allowance in case of Hospitalisation
Payment of daily allowance for the days the Insured is hospitalised beyond a specified number of days, as mentioned in the Policy Schedule, for which a valid claim is admissible under the Policy whilst on a trip abroad.
Emergency Accommodation
Payment of compensation for the additional cost of emergency accommodation if the Insured/ Insured Person could not stay in the accommodation originally booked due to fireflood, earthquake, storm, hurricane, explosion, outbreak of major infectious diseases.
Why do I need Travel insurance?
During a trip there are chances of unfortunate events such as loss of checked in baggage, medical emergency, loss of passport that can spoil your international trip, be it business or leisure. Travel insurance can protect you from such events ensuring that you are not stuck in foreign land without any help.