Travel
Travel
Look for
A sum insured suitable to your need say USD 200,000 USD 250,000 slab provides comprehensive
cover.(highest value is of no use) with all practically possible losses even if
the premium is slightly higher
A service provider of your insurance company is available in the country of your
visit
Treatment for both outpatient and inpatient
lesser than 12 hours duration for baggage delay cover
Automatic extension of travel beyond policy period due to failure of transport on
which the policy holder is reliant upon.
A min of USD 250 for loss of passport with deductible @ USD 50
Automatic extension for Treatment beyond policy period when you are sick abroad
with max number of days
Provision of Longer claim notification period
Payment for delayed baggage claim without bills
Avoid
This insurance for medical tourism
Suppressing pre-existing illness and conditions if asked specifically as no policy
pays for it
Intake of liquor or intoxicating drugs during travel which may affect your claim
Delay in intimation of changes required in the policy or claim as claim notification
for sickness and accident related claims is to be done immediately and for other
claims within 14 days of your return to India.
Carrying cash, valuables, securities and tickets in the checked in baggage
Traveling to countries where Govt of India has not given permission
Driving without international license as policy does not cover such claims
Travel during pregnancy as medical claim may be attributed to pregnancy and not
payable under the policy
Useful Hints
Property irregularity report must be obtained when a theft takes place
Baggage cover has limitations under the travel insurance (each baggage value is
limited to 50% of the cover limit and each item has 0nly10% of the cover limit)
and also exclude many normally carried items. Hence look for additional cover if
you carry more value.
Keep documentary evidence for valuable purchase which may help in the event of claim
Insurance Company may use the hammer clause if you refuse to give consent for settlement.
Be aware you don't get your baggage claim if paid by the carrier.
Be aware of sub limits of benefits if you are above 55 years
