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Overseas Travel Ease Policy (Business & Holiday)
Travel Insurance Policy
Overseas Travel Ease Policy (Business & Holiday)
Highlights of cover
- Entry Age: 6 months - 80 Years. Beyond 80 years upto 90 years, proposals need to be referred to H.O. and acceptance will be on merits of the case.
- Plan Options : Basic, Economy, Advanced, Elite and Supreme - available World wide
- Sum Insured : USD 25,000; USD 50,000; USD 100,000; USD 250,000 and USD 500,000
Medical Covers
- Medical Expenses for sudden sickness or injury
- Emergency Dental Treatment
- Medical Evacuation Expenses
- Repatriation Expenses
- Hospital Cash
Travel Related Covers
- Missed Connection
- Trip Cancellation
- Loss of Passport
- Emergency Financial Assistance
- Delay in checked in baggage
- Loss of checked in baggage
Other covers
- Personal Accident
- Hijack Allowance
- Personal Liability
Salient Features
- Loyalty Discount of 10% for domestic retail health policy holders
- Digital Discount of 10% is applicable
- Staff Discount of 33.3% is applicable
- Refund for early trip completion.
- Extension of policy period
- Change in travel itinerary
Some of the exclusions are as follows: (The list is only indicative and not exhaustive. Please refer to the policy document for full details.)
This entire Policy consisting of its various sections does not provide benefits for any loss resulting in whole or in part from, or expenses incurred, in respect of:
- Any Pre-existing condition and complication arising from it.
- Travelling against medical advice or being wait listed for receiving medical treatment.
- Being under influence of drugs, alcohol or other intoxicants.
- Participation in hazardous activities
- Pregnancy and all related conditions.
- Congenital anomalies
- Osteoporosis
- Serving in the armed forces.
- Routine tests or examination not consistent with the diagnosis or treatment of the covered illness.
- Any type of vaccination or inoculation.
- Treatment obtained within the Republic of India unless as stated.
Note: For complete details of the product, please refer to the policy document and or prospectus
Table of benefits and Sum insured
| Overseas Travel Ease Policy (Business & Holiday) | |||||
| Including / Excluding USA & CANADA option | |||||
| Coverages / Plan | Limits of Liability | ||||
| Basic | Economy | Advanced | Elite | Supreme | |
| Medical Expenses | $25,000 | $50,000 | $1,00,000 | $2,50,000 | $5,00,000 |
| Deductible for Medical Expenses | $100 | $100 | $100 | $100 | $100 |
Hospital cash for Critical ailments for hospitalization beyond 2 days. (For a maximum of 5 days) | NIL | NIL | 25$ per day | 50$ per day | 75$ per day |
| Emergency Dental Care | $100 | $200 | $300 | $400 | $500 |
| Personal Accident | $2,500 | $5,000 | $10,000 | $25,000 | $50,000 |
| Repatriation of Mortal Remains | $1,250 | $2,500 | $5,000 | $12,500 | $25,000 |
| Loss of Checked in Baggage | $300 | $400 | $600 | $800 | $1,000 |
| Delay in Baggage over 12 hours (outbound flights) | $25 | $50 | $100 | $150 | $200 |
| Loss of Passport | $200 | $200 | $250 | $300 | $300 |
| Personal Liability | $12,500 | $25,000 | $50,000 | $1,25,000 | $2,50,000 |
| Deductible for Personal Liability | $200 | $200 | $200 | $200 | $200 |
| Emergency Financial Assistance | $50 | $100 | $150 | $200 | $300 |
| Hijack Allowance (over 12 hours) | $100 per day (max 7 days) | $100 per day (max 7 days) | $100 per day (max 7 days) | $100 per day (max 7 days) | $100 per day (max 7 days) |
| Trip Cancellation/Interruption | $200 | $300 | $400 | $500 | $750 |
| Missed Connection | $200 | $300 | $400 | $500 | $750 |
UIN NO: NIATIO22220V012122
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