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Plans > Travel Insurance Plans > Individual

Our plan protects you against the risk of illnesses, thefts, or other unexpected occurrences while travelling alone. The plan is framed in five policy variants: Platinum, Gold, Silver, Bronze and Asian Region wherein the sum insured ranges from USD 25,000 to USD 5,00,000. The policy offers benefits like reimbursement of travel expenses in case of any medical emergency causing trip cancellation, 24/7 access to medical advice on telephone from anywhere in the world, reimbursement of medical expenses incurred during hospitalization, referrals of medical practitioners and hospitals, and many more.

You can choose plans to cover geographies that include Worldwide [W], Worldwide excluding US & Canada [X], Asiapac excluding Japan [A]


         
Eligibility
  • The policy covers persons in the age group of 6 months to 70 years.
  • The policy can be issued to an individual only.
  • The policy can be issued for travel duration ranging upto 180 days.
Plan Benefits

You can select 5 different plan options ranging from $25000 to $500,000 offering the following coverage’s.

  • Medical Treatment, Assistance & Evacuation - Coverage against any emergency medical treatment requiring inpatient or outpatient care, including medical evacuation to the hospital.
  • Dental Care - Medical Expenses for pain relieving dental treatment or treatment due to an accident.
  • Repatriation of Mortal Remains - The benefit covers cost of either transporting mortal remains to the place of residence or a cremation or burial ceremony in the foreign country.
  • Hospital Daily Cash - Offers a daily cash benefit for each continuous and completed period of 24 hours of hospitalization.
  • Personal Accident - The policy will cover against death or permanent & total disablement due to an accident.
  • Total Loss of Checked Baggage - The plan covers against the loss of checked-in baggage by a carrier on which the you were travelling as a fare paying passenger.
  • Delay of Checked Baggage - The plan offers you compensation for any delay in the delivery of a checked-in baggage by a Carrier on which you were travelling as a fare paying passenger.
  • Loss of Passport - The plan will reimburse the actual expenses incurred in obtaining a duplicate or fresh passport either overseas or within 30 days of your return to India.
  • Financial Emergency Cash - In case of an unforeseen financial emergency such as theft, pilferage, robbery the policy will pay up to a lumpsum amount to replace the travel funds lost.
  • Personal Liability - The policy will help cover against any legal liability (including defence costs) to pay damages for his negligence which results from a third party civil claim for third party death, bodily injury or property damage.
  • Trip Delay - The plan covers against a delay beyond the scheduled departure or arrival time of a carrier a lump sum amount will be paid as specified under the policy.
  • Hijack Daily Allowance - The policy covers against the unfortunate event of a hijacking that may occur during your travel.
  • Trip Cancellation and Curtailment - The policy compensates you against any unforeseen delay or cancellation that may occur due to death, hospitalization or an act of God.
  • Missed Connection - The policy compensates you against any miss of a connecting flight due to the delay of an inward flight.
Exclusions
  • Traveling abroad for obtaining medical treatment.
  • War or any act of war, invasion, act of foreign enemy, war like operations, civil war, public defense, rebellion revolution, insurrection, military or usurped acts, riot, terrorism, chemical, radioactive or nuclear contamination
  • Participation or involvement in naval, military or air force operations, racing, diving, aviation, scuba diving, parachuting, hang-gliding, rock or mountain climbing.
  • Any breach of law with criminal intent.
  • Abuse of intoxicants or hallucinogens including drugs & alcohol.
  • Self-inflicted injury, suicide or attempted suicide.
  • Pregnancy, childbirth & its complications.
  • HIV/AIDS, sexually transmitted diseases.
  • Pre-existing conditions & their complications.

Please refer to the Policy Wording for the complete list of exclusions.


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