What’s Covered Under Our International Travel Insurance Plan?

International travel insurance covers multiple events, such as flight cancellation, unexpected medical needs, loss of passport or lost luggage, etc. Here is the detailed coverage of an international travel insurance plan:

Medical Benefits of International Travel Insurance

• Hospitalization Cover: The international travel insurance covers various hospitalization-related expenses, including in-patient and out-patient care one incurs in an emergency.
• Daily Allowance for Hospitalisation: We will reimburse the daily expenses, for a specified amount per day, in case of hospitalisation maximum of up to five days per claim. A deductible of 2 days per claim is applicable.
• Dental Expenses: The injury-related dental expenses the insured incurs during the trip will be covered, up to a specified amount, in the international travel insurance policy.
• Common Carrier Accidental Death: In the case of an unfortunate accidental death of the insured person on a common carrier/transport, the foreign travel insurance policy will provide a lump sum amount.
• 2-Way Compassionate Visit: We will cover the flight expenses incurred by an immediate family member (one adult) if the insured is hospitalised.
• Accidental Death/Permanent Total Disability: The international travel insurance policy provides financial compensation in case of accidental death or permanent total disability during the trip.
• Family Option Discount: You can also get a discount on the premium of an additional person if more than one family member is covered in the same overseas travel insurance policy, for the same sum insured, on an individual basis.
• Medical Evacuation: International travel insurance policy also covers transportation costs for any emergency evacuation to transfer you to any medical facility within the network.
• Pre-existing Disease Cover: This overseas travel policy covers you for pre-existing disease in case of any life-threatening condition.

Non-Medical Benefits of International Travel Insurance

• Trip Delays: In case of trip delays due to unforeseen reasons like an earthquake, or severe weather conditions, the expenses will be covered up to a defined limit for each block of 4 hours delay, subject to the policy T&C.
• Trip Cancellation or Interruption: We will cover the related expenses if you face trip cancellations or interruptions due to unavoidable circumstances like natural calamity or terrorism subject to the policy t&c.
• Loss/Delay of Checked-in-Baggage: The international travel insurance policy will protect you by reimbursing a fixed amount in case of loss of checked-in or delays in receiving the luggage, as per policy T&C.
• Loss of Passport: Losing travel documents can cause stress. Our international travel insurance plan will provide coverage up to a fixed amount on an aggregate basis for getting a new or duplicate passport.
• Return of Minor Child: Our Overseas travel insurance will cover the reasonable expenses incurred during the return of the minor child to the home location.
• Up-Gradation to Business Class: If the insured is hospitalized for five consecutive days or more and needs to return to the home location, we will reimburse the expenses towards up-gradation to business class, subject to policy T&C.
• Automatic Trip Extension: You do not need to bother about your extended trip as the overeseas travel insurance policy provides automatic trip extensions for up to 7 consecutive days.
• Missed Flight Connection: We will reimburse the additional accommodation and travel expenses if you missed a pre-booked flight, subject to policy T&C.
• Hijack Distress Allowance: We would never want you to be in such a situation, but the policy will cover unforeseen events like hijacks by providing a fixed benefit for a specified time limit.

What is Not Covered Under Our International Travel Insurance Plan

It is necessary for any traveller opting for international travel insurance in India to know what the plan will not cover. This way, they will prevent any hassle when filing a claim.

Check here some *exclusions of international health insurance for travel:

• Any treatment that could be reasonably delayed until the insured person’s return to the country of residence.
• Any pre-existing ailment or illness or injury.
• Any beauty/ cosmetic treatment/ or any reconstructive plastic surgery.
• Trip cancellation or interruption due to a natural calamity not declared by the appropriate government authority.
• Medical treatment or surgery (whether invasive or non-invasive) using a robotic surgical system.
• Expenses due to the treatment related to self-inflicted injury or suicide.
• Any personal liability arising out of Breach of Law or any criminal liability.
• Treatment expenses incurred related to any hazardous activity, the influence of drugs/ or alcohol, or expenses incurred due to consequences of war/nuclear perils.
• Any liability arising out of a false arrest, wrongful detention, wrongful eviction, defamation, or mental trauma and shock resulting from such situations

*Please refer to the policy T&C and prospectus to know about exclusions.

Claim Process for International Travel Insurance

The first thing you want to experience after an unfortunate accident is a smooth claim settlement. With our quick and simple claim process, making a claim under international travel insurance is no longer a difficult task: