| This policy is suitable for any Indian resident frequently travelling abroad in a year. This plan is recommended for the persons travelling for various business purposes more than one time in a year between the age group of 6 months to 70 years. The plan provides coverage upto USD 250,000 with additional benefits such as In Hospital Indemnity, Trip Delay, Automatic extension of the policy upto 7 days, Trip Cancellation , Trip Curtailment, Emergency Cash Advance, Sickness Dental Relief, Personal Liability, Home Burglary Insurance, Hijack cover, Bail Bond card, AT & T Post paid global calling card.
Sailent Features:
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Medical Cover:
The policy basically provides cover for medical expenses upto USD 2,50,000 of the insured during his / her stay abroad.
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Personal Liability:
This feature covers the liability of insured while abroad, arising out of death or injury of third party or damage to the property of third party upto USD 2,00,000.
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Emergency Medical Evacuation:
In the event that you suffer from injury or illness which necessitates your emergency medical evacuation, ISOS will arrange for the evacuation and pay for the expenses incurred.
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Repatriation of Remains:
If the remains or the body has to be sent back to the home country due to the death of the insured the expenses incurred for the same are taken care off under this feature.
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Accidental death and dismemberment (24 hours):
This feature takes care of death or disablement of the insured due to an accident abroad.
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Baggage Loss (Checked):
This feature provides for total loss of checked baggage by a common carrier, upto a specified limit.
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Baggage Delay:
This feature provides for delay of checked baggage by a common carrier, upto a specified limit.
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Loss of Passport:
In the event of insured losing his passport this section provides for the expenses incurred in getting a duplicate passport.
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Hijack:
This cover provides an allowance, in the event of carrier in which insured is travelling gets hijacked.
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Trip Delay :
This cover provides you with reasonable additional expenses for Trip Delay if your trip is delayed for more than 12 hours due to a covered hazard.
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Bail Bond:
This cover will provide with the bail bond cost which the insured incurs as a result of false arrest or wrongful detention by any government or foreign power.
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Home Burglary Insurance:
This cover will provide for the loss and damage caused by Burglary or attempted Burglary of the contents of the insured home in India while he is on a trip abroad.
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In Hospital Indemnity :
The insured will get a daily allowance for each day he is in patient in a hospital due to injury or sickness.
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Automatic Extension of the policy upto 7 days :
Automatic extension of the period of the policy is granted upto a period of 7 Days from the policy expiry date, if the extension is necessary due to delay by the scheduled airlines, which is beyond the control of the insured, and no alternative air transportation is made available to the insured.
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Trip Cancellation :
This feature covers the re-imbursements of the deposits made for the travel arrangements prior to the Contracted Departure Date. If the insured is prevented from taking a trip due to Medical or compassionate reasons.
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Trip Curtailment :
This feature covers the expenses reasonably incurred by the insured person who is not been able to continue or complete his / her trip due to medical or compassionate reasons.
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Emergency Cash Advance :
The assisstance company will arrange for cash payments to the insured through a variety of sources including Credit Cards / Hotels / Banks / Consulates.
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Sickness Dental Relief. :
If the insured person has to incur any expense in relation to his dental treatment the amount will be reimbursed to him.
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AT & T Post Paid Global Calling Card :
It entitles you to make calls from abroad back home so that you can stay in touch with your near and dear ones, from anywhere in the world.
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Contact us on
Tel.: 1800 22 8687
Email: leisuremail@tci.co.in
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| Benefits: |
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Nature of Cover |
Amount In USD |
| Accidental Death and Dismemberment Benefit |
15,000 |
| Accident & Sickness Medical Expenses Benefit |
250,000 |
| Assistance Services |
Included * |
| Emergency Medical Evacuation |
Included * |
| Repatriation of Remains |
Included * |
| Hospital Indemnity Benefit |
$15 per day |
| Dental Relief |
400 |
| Baggage Delay Benefit |
100 |
| Checked-in Baggage Loss Benefit |
1,000 |
| Personal Liability |
200,000 |
| Loss Of Passport |
250 |
| Bail Bond |
5000 |
| Hijack Benefit |
$100 per day |
| Trip cancellation Benefit |
2,500 |
| Emergency Cash Advance |
1,000 |
| Trip Delay Benefit |
$10 per 12 Hours |
| Trip Curtailment Benefit |
3000 |
| Home Burlary Insurance |
2,00,000 (INR)# |
| AT&T Post-paid Global Calling Card |
Included* |
| Deductibles & conditions apply |
| * Included under the benefit limit of Accident & Sickness Medical Expense Benefit. |
| # Home Burglary Insurance is applicable on the Family as one unit and not on per person basis. |
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No Medical Tests Requirement.
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Settlement of claim within 7 days after completion of the claims procedure.
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Issuance of policy within minutes.
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Covers Trip duration from 1 – 30 Days or 1- 45 Days.
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Covers persons in the range of 6 months – 70 Years.
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Medical Emergency Assistance.
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Arrangement of Hospital admissions.
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Arrangement for Emergency Medical Evacuation & Repatriation.
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Emergency Travel Services.
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Embassy Referral Services.
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Claims Procedures Information Services.
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| Rates:
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| Age Band |
1-40 |
41-60 |
61-70 |
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| 1-30 |
4531 |
5318 |
10343 |
| 31-45 |
5059 |
5553 |
16751 |
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Requirements:
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Recommendations:
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It is mandatory in some Western countries for a visitor to their country to be covered by a Health Insurance Policy. In its absence, he may run the risk of repatriation or quarantining in the airport itself.
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Medical treatment is expensive overseas and can become a major financial problem in case of any emergency / accident.
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For a small premium paid in Indian currency, payment of claim in foreign currency of the country in which a claim arises is disbursed.
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Besides, the foreign currency allowances allowed by the host Country can be conserved as the premium is paid in Rupees in home country.
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The Claim procedure is very simple. The policy document that the insured carries with him contains full details of the claim settling agencies. The insured has to just get in touch with the Agency and they take over the responsibility of dealing with the respective Hospitals/Authorities who then undertake to settle the bills directly with the hospitals.
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