• Why does one require Travel Insurance?

• What are the available plans with TRAVEL INSURANCE COMPANIES?

• What are the eligibility criteria?

• What is the minimum period for a trip to be insured?

• Does one have to go through any medical examination?

• When does one have to submit medical examination?

• What are the medical reports that need to be submitted?

• Does the Policy cover per-existing disease?

• Can Foreign Nationals be covered under the Policy?

• Can Policies be extended?

• For how many day can the Policies be extended?

• Is Travel Insurance mandatory?

• Can the Policy be cancelled?

• Can the plan coverage period be reduced?

• Whom to contact in case of a claim on the Policy?

• Where can one avail the claim forms?

• Whom to contact in case of Hospitalization?

• Can one avail of cashless facility for Hospitalization?

• Where can I get the list of Hospitals extending Cash Facility?

• Will the claims be settled on return to India?

• Is Emergency financial assistance provided?

• Is loss of passport covered?

• Does the Policy cover Loss of Cash/Credit Card?

• What is covered under the benefit Loss of Checked baggage?

• What is covered under the benefit delay of Checked baggage?

• Can one claim under both the sections Loss of Checked baggage and delay of Checked baggage?

• Are ambulance charges covered under the Policy?

• What does Medical Repatriation and Evacuation cover?

• What is the benefit under Hijack distress Allowance?

Why does one require Travel Insurance?
Travel Insurance provides you and your family medical, financial and other assistance in case of an emergency or untoward circumstances while travelling on an International Trip. No matter what you are: a business traveler or a leisure traveler: you are now safer with Overseas Travel Insurance which protects you from unfortunate events such as loss or delay in checked baggage, passport loss, a medical emergency or an Accident. Insure your trip and enjoy a hassle free journey.

What are the available plans with TRAVEL INSURANCE COMPANIES?
TRAVEL INSURANCE COMPANIES provides coverage's for Single Trip, Multiple Trips, Asia, and also a Family Floater Plan with various Sum Insured options to choose from.

What are the eligibility criteria s?
Travel Insurance policy is available for all ages between 6 months – 70 yrs.

What is the minimum period for a trip to be insured?
Travel Plans provide coverage to travel trips as short as 1- 4 days.

Does one have to go through any medical examination?
No, there is no medical examination required up to the age of 70 years.

When does one have to submit medical examination?
For any insured, having adverse history shall have to submit medical reports irrespective of trip band.

What are the medical reports that need to be submitted?
For any insured, having adverse history

• Blood Sugar PP & Fasting

• ECG report with tracing

• Echo Cardiograph report

• USG Whole Abdomen

• Doctors certificate with all details of past ailment & present medication, if any doctor's certificate for fitness to travel

Does the Policy cover pre-existing disease?
This policy does not cover pre-existing diseases. A 'Pre-Existing Illness' is one with which the person is already suffering from before he buys the policy.

Can Foreign Nationals be covered under the Policy?
Foreign nationals working in India with Indian employers of multinational companies, getting salary in INR can be covered subject to verification of Ration Card and IT Verification.

Can Policies be extended?
Extensions under the plan shall be provided, subject to the following:

• Extensions are applicable to original policies of 30 days or more

• The original policy period has not expired

• There is no claim on the original policy

• Declaration of good health

• Extension can be effected only once on the policy

• Extension in days not to exceed 180 days

• The total extension including the original period should not exceed 360 days

• Extension premium has to be paid before actual extension is effected

For how many day can the Policies be extended?
The Policy can be extended only once and upto a maximum of 180 days. The total policy period including the extension should not exceed 360 days.

Is Travel Insurance mandatory?
Travel Insurance is not mandatory in India. However it is mandatory in UK and countries like Austria, Greece, Portugal, Spain, France, Germany, belgium, Luxembourg, Netherlands.

However for a safe and peaceful trip,we recommend that you have to take a Travel insurance policy even if you are traveling to countries apart from these.

Can the Policy be cancelled?
The policy may be cancelled via request on Email/Fax. The intimation of cancellation has to reach us latest up to 14 days from the inception date of the policy. If the policy has already incepted, a copy of all 40 pages of the passport needs to be submitted as proof. Cancellation charges of Rs. 250/- shall be applicable and the balance shall be refunded.

Can the plan coverage period be reduced?
No refund is allowed for an early return to India.

Whom to contact in case of a claim on the Policy?
In the event of a covered emergency and to register claims, call the Assistance provider, International SOS 24 hour Help Center and quote Policy Holders' Name, Policy Number, Insurance Company, Passport Number when seeking assistance within 24 Hours.

Where can one avail the claim forms?
On registration of a claim, claim form will be forwarded to by mail, email or fax along with the intimation for the various documents required. The forms are also available on the website.

Whom to contact in case of Hospitalization?
International SOS should be contacted for all claims. The contact details are as provided above.