FAQs in relation to Covid-19 for International Travel Insurance claims

Will the insured receive the full refund if he/she chooses to cancel his/her travel insurance?

Yes. We will waive off the INR 300** cancellation charge and pay full refund of the policy premium to the insured if he/she decides not to travel to the destination country as a precautionary measure due to COVID-19.

Full refund of policy premium will be payable only if the insured has not left the country to start his/her scheduled trip

** A cancellation charge of INR 300 is charged as per policy terms and conditions if insured cancels his/her policy after the free look up period of 15 days and prior to the start of the policy period.

Can the insured claim hospitalisation expenses if he/she has been hospitalised due to COVID-19?

Hospitalization expenses (both in-patient and out-patient) will be payable in case the insured is hospitalized* in the destination country due to COVID-19.

If the insured’s scheduled trip is cancelled due to hospitalisation, will insurance cover the losses?

Claims will be payable for the financial loss incurred by the insured if the scheduled trip is cancelled or interrupted due to hospitalization* of the insured/immediate family member due to COVID-19

*Mandatory hospitalization of 3 days is required

The insured’s family member gets infected while travelling with the insured. Will the travel insurance remain valid and claim payable?

The medical expenses will be borne by the travel insurance policy if the said family member is covered in the policy up to Sum Insured.
The following types of claims will be payable:

• Medical In-patient and out-patient claims
• Trip Cancellation/Interruption/Re-scheduling
• Trip Delay– except any delay at the Indian port of origin of the insured trip

The insured is not in a restricted country but has a return flight that stops in a restricted country. Will the travel insurance claim be paid in that case?

No country specific restriction has been imposed for Travel policy claims. The following types of claims will be payable:

• Medical In-patient and out-patient claims
• Trip Interruption/Re-scheduling
• Trip Delay

Will the insured’s expenses incurred due to trip delay be covered?

Claims will be payable for food and lodging expenses in case the trip is delayed abroad due to cancellation or re-scheduling of flights done at the instance of the common carrier due to COVID-19

The insured is travelling to a non-restricted country but has to stop over in a restricted country. Will the travel insurance claim remain valid and claim payable?

No country specific restriction has been imposed for Travel policy claims. The following types of claims will be payable:

• Medical In-patient and out-patient claims
• Trip Cancellation/Interruption/Re-scheduling
• Trip Delay – except any delay at the Indian port of origin of the insured trip

The insured has to travel to a restricted country due to compulsion. Will the travel insurance remain valid and claim payable?

No country specific restriction has been imposed for Travel policy claims. The following types of claims will be payable:

• Medical In-patient and out-patient claims
• Trip Cancellation/Interruption/Re-scheduling
• Trip Delay – except any delay at the Indian port of origin of the insured trip

The insured has both of our health and travel insurance. Will the claim be applicable in both cases and how?

With respect to Medical in-patient and out-patient expenses, if the events happen in India, then health insurance policy claim will be triggered. If it happens abroad, then travel insurance claim will be applicable as follows:

• Medical In-patient and out-patient claims – If India (Health policies); If abroad (Travel Policy)
• Trip Cancellation/Interruption/Re-scheduling
• Trip Delay – except any delay at the Indian port of origin of the insured trip

The insured is in one of the restricted countries as specified by the government. Will the travel insurance policy remain valid and claim payable?

No country specific restriction has been imposed for Travel policy claims. The following types of claims will be payable:

• Medical In-patient and out-patient claims
• Trip Interruption/Re-scheduling
• Trip Delay