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                                    • Personal
                                            Accident – covers death and permanent disablement. | 
                        
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                                    • Medical Expenses and Representation – covers hospitalization expenses for
                                        accident or illness, including
                                        medical evacuation wherever necessary.
 | 
                        
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                                    • Loss of checked baggage –
                                        covers total and complete loss of baggage checked in by an international airline. | 
                        
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                                    • Delay of checked baggage –
                                        covers cost of emergency purchase of replacement items. | 
                        
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                                    • 
                                        Loss of Passport
                                        – covers
                                            reasonable and necessary expenses to obtain a duplicate
                                        passport or a valid
                                            travel document.
 | 
                        
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                                    • Personal Liability – covers
                                        legal liability attaching a private capacity during the course of overseas travel. | 
                        
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                                    • Cash Less Service – Direct
                                        settlement for in-hospital medical expenses abroad.  (Subject to policy terms
                                        and
                                        conditions and sub limits)
 | 
                        
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                                    • 
                                        Hospitalization Allowance
                                        – cover daily allowance maximum upto $ 150.  Applicable
                                        only for Corporate
                                            Frequent Traveller Policy holders.
 | 
                        
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                                    • 
                                            Golf Hole-in-one : Reimbursement 
                                        expenses incurred in celebration of achieving
                                            a hole-in-sole by the
                                            insured during the trip, anywhere in the    world
                                        excluding India,
                                            in a United State Golfer’s Association
 (USGA) recognized golf course.
 | 
                        
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                                    • 
                                        Emergency Cash Advance : This
                                        is an assistance service when the insured person requires emergency cash
                                            following incidents like theft / burglary  of
                                        luggage / money or hold up.  The service provider
                                        shall co-ordinate
 with the insured person’s relatives
                                        in India to provide emergency cash assistance to the insured person as
 per his requirement, upto limit specified in the policy schedule.
 | 
                        
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                                      We have various plans/packages to choose from
                                        like Travel Care, Travel Secure, Travel Value, Travel Family& Travel Age.
 | 
                        
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                                    • Policy does not cover pre-existing
                                        diseases & complications arising from them. 
                                 | 
                        
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                                    • Routine physical or other
                                        examination where there no objective indication of impairment of normal health. 
                                 | 
                        
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                                    • Medical expenses beyond the
                                        expiry of the Policy Period. 
                                 | 
                        
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                                    • Suicide, attempted suicide
                                        or or willfully self inflicted injury or illness, mental disorder anxiety, stress
                                        of
                                        depression, venereal disease, alcoholism, drunkenness by abuse of drugs,
                                        HIV, AIDS.
 | 
                        
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                                    • Manual work or hazardous occupation,
                                            self exposure to needless peril (except in an attempt to save human
                                            life), or if engaging in any criminal or illegal act.
 | 
                        
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                                    • Pregnancy, resulting childbirth,
                                            miscarriage, abortion or complication arising out of an of the foregoing.
                                    
                                 | 
                        
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                                    • Loss or damage to the insured’s
                                            passport as a result of the confiscation or detention by customer’s, policy
                                            or any other authority.
 | 
                        
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                                    • Loss which is not reported to the appropriate police
                                        authority within 24 hours of the
                                    discovery of the loss,
                                        and in respect of which an official report has not been obtained.
 | 
                        
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                                    • Loss caused by the Insured’s
                                        failure to take reasonable steps to guard against the loss of the passport. 
                                 | 
                        
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                                    • Accident & Sickness Medical
                                        Expenses (Hospitalisation & Out Patient). 
                                 | 
                        
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                                    • Emergency Evacuation. 
                                 | 
                        
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                                    • Repatriation of remains. 
                                 | 
                        
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                                    Study companion for
                                        students travelling for studies | 
                        
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                                          This is exclusively for students traveling abroad for
                                                studies.  The Policy covers  reimbursement
                                                cost of :  | 
                        
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                                    1. Tution Fees | 
                        
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                                          In the event of the insured unable to continue the school 
                                                semester due to any of the following reasons
                                                arising during the policy period, the Company   shall reimburse the
                                                tuition fee paid for the current semester
 schedule :
 | 
                        
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                                          a. Serious medical condition of the insured requiring hospitalization
                                                covered under the policy.  | 
                        
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                                      b. 
                                                 Death or
                                                    serious injury requiring hospitalization of either of the parents of the 
                                        insured | 
                        
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                                    2. School Fees due
                                        to accident to sponsor | 
                        
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                                      In the event of the
                                            sponsor mentioned in the policy meeting with an accident during the policy which
                                            results
                                            in his death or permanent total disability during   the policy period
                                            the Company shall reimburse the
 remaining school fee
 | 
                        
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                                    3. Family Members
                                            visit | 
                        
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                                          In the event of the insured become hospitalized
                                                as a result of an accidental injury or sickness covered under
                                                the policy and the attending physician advises   the necessary attendance
                                                of a Family Member of the
 Insured, the Company will reimburse the travel cost for the visit. 
                                                For this purpose, family member   shall
 mean spouse, parent, sibling and in laws
 | 
                        
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