Ic 57 Real Feel

GROUP OVERSEAS TRAVEL GUARD
TATA AIG General Insurance Company Limited (The Company) will provide the insurance described in this
Policy and any endorsements to the Policy, detailed in the Policy Schedule / Certificate of Insurance and in
reliance upon the statements contained in the Proposal which shall be the basis of this Policy and are deemed
to be incorporated herein in consideration for the payment of the premium and in compliance with all
applicable provisions of this Policy.
The insurance provided under this Policy is only with respect to such and so many of the coverages as are
indicated by a specific amount set opposite in the Policy Schedule/Certificate of Insurance.
The Extension Coverages to the Base cover are provided on payment of additional premium and subject to the
terms and conditions and exclusions as stated in the Policy Wordings. These Extensions shall be available only
if the same has been specifically mentioned in the Policy Schedule/Certificate of Insurance.
The insurance provided under these Extensions are only with respect to a such extensions as has been
mentioned in the Policy Schedule/Certificate of Insurance
SECTION 1- DEFINITIONS
The terms defined below in the Policy have the meanings ascribed to them wherever they appear in this
Policy and, where, the context so requires, references to the singular include references to the plural;
references to the male includes the female and references to any statutory enactment includes subsequent
changes to the same.
1. Accident/Accidental: means a sudden, unforeseen, and involuntary event caused by external, visible
and violent means.
2. Acquired Immune Deficiency Syndrome: means Acquired Immune Deficiency Syndrome, a condition
characterised by a combination of signs and symptoms, caused by Human Immunodeficiency Virus,
which attacks and weakens the body’s immune system making the HIV-positive person susceptible to life
threatening conditions or other conditions, as may be specified from time to time;
3. Adventure Sports means Recreational activities perceived as involving a high degree of risk. These
activities involve either or speed, height, a high level of physical exertion, and highly specialized gear.
4. Age: means the age of the Insured Person on his completed birthday as per the English calendar,
regardless of the actual time of birth at the time of Policy inception.
5. Air Travel: means travel by a Scheduled Airline/aircraft for the purpose of flying therein as a passenger.
6. Ambulance: means a motor vehicle operated by a licensed/authorised service provider and equipped
for taking ill or injured people requiring medical attention to and from Hospital in emergencies.
7. Assistance Company: means with whom the Company contracts, as an independent contractor, to
provide travel related emergency assistance services.
8. Act of Terrorism means an Act, including but not limited to the use of force or violence and/ or the threat
thereof, of any person or group(s) of Persons whether acting alone or on behalf of or in connection with
any organization(s) or government(s), committed for political, religious, ideological or similar purpose
including the intension to influence any government and/or to put the public, or any section of the public
in fear.
9. Burglary means an act involving the unauthorized and forcible entry to or exit from the Insured
Person’s Usual place of Residence with an intent of committing a Theft.
10. Cashless facility: means a facility extended by The Company to the Insured Person where the
payments, of the costs of treatment undergone by the Insured Person in accordance with the Policy
terms and conditions, are directly made to the Network Provider by The Company to the extent pre-
authorisation is approved.
TATA AIG General Insurance Company Limited

Registered Office: Peninsula Business Park, Tower- A, 15th Floor, G.K. Marg, Lower Parel, Mumbai – 400013, Maharashtra, India
Toll Free No: 1800 266 7780 | Fax: 022 6693 8170 | E-mail: customersupport@tataaig.com | Website: www.tataaig.com
IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425
Page 1 of 47 UIN No. TATTGOP23085V022223
11. Catastrophe: means an unexpected natural event, such as an earthquake, tsunami or flood which causes
widespread loss, damage, or disruption at locations which are forming part of the trip.
12. Certificate of Insurance: means certificate attached to and forming part of this Policy mentioning the
details of the Insured Person who is covered, along with the Coverages and Sum Insured, the Cover
Period and the limits and condition, to which the Coverages under the Policy are subject to, including
any annexure and/or endorsements.
13. Child(ren): means named dependent children of the Insured Person.
14. Chiropractor: means a regulated healthcare professional and a licensed practitioner.
15. Claim(s): A demand made by the Insured Person for payment under any Coverage, as covered under
the Policy Schedule/Certificate of Insurance.
16. Common Carrier: means any public road, rail or water conveyance or Scheduled Airline, which is
operating under a valid license from the relevant authority for the Transportation of fare paying
passengers.
17. Congenital Anomaly: means a condition(s) which is present since birth, and which is abnormal with
reference to form, structure or position
a) Internal Congenital Anomaly – which is not in the visible and accessible parts of the body.
b) External Congenital Anomaly – which is in the visible and accessible parts of the body.
18. Cover Period End Date: means the date on which the Cover Period expires.
19. Cover Period Start Date means the date on which the Cover period commences.
20. Day: means a period of 24 consecutive hours.
21. Day Care Centre: means any institution established for Day Care Treatment of Illness and /or injuries
or a medical set up with a Hospital and which has been registered with the local authorities, wherever
applicable, and is under supervision of a registered and qualified Medical Practitioner and must comply
with all minimum criterion as under
i) Has qualified nursing staff under its employment
ii) Has qualified Medical Practitioner/s in charge
iii) Has fully equipped operation theatre of its own where Surgical Procedures are carried out
iv) Maintains daily records of patients and will make these accessible to The Company’s authorize
personnel
22. Day Care Treatment: means medical treatment, and/or Surgical Procedure which is:
i. undertaken under General or Local Anesthesia in a Hospital / Day Care Centre in less than 24 hrs.
because of technological advancement, and
ii. Which would have otherwise required Hospitalisation of more than 24 hours. Treatment normally
taken on an out-patient basis is not included in the scope of this definition.
23. Deductible / Excess Period/ Time Deductible means the number of hours/days of each and every
loss payable by Insured Person before the Policy Coverages becomes payable.
24. Deductible/Co-pay amount means the amount which shall be borne by the Insured Person in respect
of each and every Claim made under opted Coverage. The Company’s liability to make any payment
under the Coverage is in excess of the Deductible / Co-pay opted.
25. Dismemberment: means actual severance i.e. entire and irrecoverable loss
26. Emergency Care: means management for Illness/ Injury which results in symptoms which occur
suddenly and unexpectedly and requires immediate care by a Medical practitioner to prevent death or
serious long-term impairment of Insured Person’s health.
27. Emergency Medical Evacuation: means
o Transportation of the Insured Person from the place where he has suffered an Injury or contracted
an Illness to the nearest Hospital where appropriate medical treatment can be obtained;
o After being treated at a local Hospital, Insured Person’s medical condition warrants Transportation
to the country where the trip commenced to obtain further medical treatment.
28. Family: means the Insured Person and/or his Spouse and/or Children.
29. Hospital: means any institution constituted and registered as a facility for the care and treatment of ill
and injured person as paying bed patients and which
i) has qualified nursing staff under its employment round the clock

ii) is not primarily a clinic, nursing, rest or convalescent home, a home for the aged, a place for the
treatment of alcoholism or drug addiction or an institution for mental or behavioural disorder; and
iii) has qualified Medical Practitioner(s) in charge round the clock
iv) has full facilities for diagnosis, a fully equipped operation theatre of its own where Surgical
Procedures are carried out
v) Maintains daily records of patients and makes these accessible to the insurance company’s
authorized personnel
30. Hospitalisation: means admission in a Hospital for a minimum period of 24 consecutive ‘In-patient’
hours and Day Care Treatment.
31. Hemiplegia: means the complete and irreversible paralysis of upper and lower Limbs of the same side
of the body.
32. Illness: means a Sickness or a disease or pathological condition leading to the impairment of normal
physiological function and requires medical treatment.
(a) Acute condition - Acute condition is a disease, Illness or Injury that is likely to respond quickly to
treatment which aims to return the person to the Insured Person state of health immediately
before suffering the disease/ Illness/ Injury which leads to full recovery.
(b) Chronic condition - A chronic condition is defined as a disease, Illness, or Injury that has one or
more of the following characteristics:
1. it needs ongoing or long-term monitoring through consultations, examinations, check-ups, and
/or Tests
2. it needs ongoing or long-term control or relief of symptoms
3. it requires rehabilitation for the patient or for the patient to be specially trained to cope with it
4. it continues indefinitely
5. It recurs or is likely to recur.
Provided such Illness / disease/ sickness should be contracted and /or commenced during the Trip.
33. Immediate Family Member: means Insured person's Spouse; Children; Children-in-law; siblings and
their children; Parents; parents-in-law; grandparents; grandchildren; legal guardian.
34. Injury: means Accidental physical bodily harm excluding Illness or disease solely and directly caused
by external, violent, visible and evident means which is verified and certified by a Medical Practitioner.
35. In-patient: means treatment for which the Insured Person has to stay in Hospital for more than 24
consecutive hours for a covered event.
36. Immediate Dental Treatment: means Medical treatment commencing within 24 hours of the time and
date the sudden acute pain first occurs without warning to the Insured Person’s teeth.
37. Insured Person: means the person who is part of the Group and qualifies the eligibility criteria to be
covered under this Policy and for whom the premium has been received by The Company and whose
name is as detailed in the Policy Schedule / Certificate of Insurance.
38. Intensive Care Unit: means an identified section, ward or wing of a hospital which is under the constant
supervision of a dedicated Medical Practitioner(s), and which is specially equipped for the continuous
monitoring and treatment of patients who are in a critical condition, or require life support facilities and
where the level of care and supervision is considerably more sophisticated and intensive than in the
ordinary and other wards.
39. IRDAI: means Insurance Regulatory and Development Authority of India.
40. Life Threatening Condition means a medical condition suffered by the Insured Person which has all
the following characteristics
o Markedly unstable vital parameters (blood pressure, temperature and respiratory rate)
o Acute impairment of one or more vital organ systems (involving brain, heart, lungs, Liver, Kidneys
and pancreas)
o Critical care being provided, which involves high complexity decision making to assess, manipulate
and support vital system function(s) to treat single or multiple vital organ failure(s) and requires
interpretation of multiple physiological parameters and application of advanced technology
o Critical care being provided in critical care area such as Coronary Care Unit, Intensive Care Unit,
respiratory care unit, or the emergency department
41. Limb: means entire arm or leg
42. Medical Advice: means any consultation or advice from a Medical Practitioner including the issue of
any prescription or follow-up prescription.
43. Medical Expenses: means those expenses that an Insured Person has necessarily and actually incurred
for medical treatment on account of Illness or Accident on the advice of a Medical Practitioner, as long
as these are no more than would have been payable if the Insured Person had not been insured and no
more than other Hospitals or doctors in the same locality would have charged for the same medical
treatment.
Medical Expenses include
• In-patient treatment and/or Day Care Treatment in a local Hospital at the place the Insured
Person is staying at the time of occurrence of an insured event.
• Medically Necessary charges towards Hospital Room and Boarding, Intensive Care Unit, Surgery
(Includes Operating room charges, Surgical Appliance, Surgeon fee and Implant charges),
Anesthetist services, x-ray examinations or treatments, and laboratory tests, Medical Practitioner’s
visit fees, Specialist fees, Miscellaneous expenses including cost of medicines / Pharmacy / Drugs /
Supplies, Nursing charges, External medical appliances as prescribed by a registered Medical
Practitioner as necessary and essential as part of the treatment on actual, Blood storage and
processing charges towards In-patient treatment
• Diagnostic tests towards diagnostic methods necessary for the treatment of the Insured Person
provided these pertain to the Illness / Injury due to which the In-patient treatment was deemed
Medically Necessary
• Ambulance service
• Drugs, medicines, and therapeutic services and supplies.
44. Medical Practitioner: means a person who holds a valid registration and entitled to practice medicine
within its jurisdiction; and is acting within its scope and jurisdiction of license. This excludes
Chiropractor as defined in Point 15 of this Section.
45. Medically Necessary: means any treatment, tests, medication, or stay in Hospital or part of a stay in
Hospital which:
i) is required for the medical management of the Illness or Injury suffered by the Insured Person.
ii) must not exceed the level of care necessary to provide safe, adequate and appropriate medical care
in scope, duration, or intensity
iii) must have been prescribed by a Medical Practitioner
iv) Must conform to the professional standards widely accepted in international medical practice or by
the medical community in India.
46. Network Provider: means the Hospitals or health care providers enlisted by the Company, Assistance
Company, or jointly by the Company and Assistance Company to provide Medical Services to an
Insured Person by a Cashless facility.
47. Newborn Baby: means baby born during the Policy / Cover Period and is aged up to 90 days.
48. OPD Treatment means the one in which the Insured Person visits a clinic / Hospital or associated
facility like a consultation room for diagnosis and treatment based on the advice of a Medical
Practitioner. The Insured Person is not admitted as a Day Care or In-Patient.
49. Paraplegia: means the complete and irreversible paralysis of both lower Limbs.
50. Personal Effects means clothes and other articles of personal nature likely to be worn, used or carried
but excluding money, jewellery and valuables.
51. Permanent: means lasting twelve calendar months and at the expiry of that period being beyond
reasonable hope of improvement.
52. Permanent Partial Disability: means the Insured Person has suffered a Permanent loss of physical
function or anatomical loss of use of a body part, substantiated by a Certificate from a Medical
Practitioner
53. Permanent Total Disability: means the Insured Person is unable to engage in each and every
occupation or employment for compensation or profit for which the Insured Person is reasonably
qualified by education, training or experience for the rest of Insured Person’s life. If at the time of loss,
the Insured Person is unemployed, Permanent Total Disability shall mean Injury due to Accident

leading to functional loss and the total and permanent inability to perform all the usual and customary
duties and activities of a person of like age and sex.
54. Per Occurrence Limit: means the maximum amount payable under a specific Coverage per incident
during the Policy / Cover Period.
55. Physiotherapy: means any form of physical or mechanical therapy; diathermy; ultra-sonic therapy; heat
treatment in any form; manipulation or massage administered by Medical Practitioner.
56. Policy: means the contract of insurance including but not limited to Policy Schedule, Certificate of
Insurance, Endorsements, Policy Wordings, Extensions and Add On covers wherever opted for.
57. Policyholder: means the Person(s) or the entity named in the Policy Schedule / Certificate of
Insurance.
58. Policy Period End Date: means the date on which the Policy Period expires.
59. Policy Period Start Date means the date on which the Policy Period commences.
60. Policy Schedule: means Schedule attached to and forming part of this Policy mentioning the details of
the Insured Persons who are covered along with the Coverages and Sum Insured, the Policy Period
and the limits and condition, to which the Coverages under the Policy are subject to, including any
annexure and/or endorsements.
61. Post-hospitalisation Medical Expenses : means Medical Expenses incurred during predefined
number of days immediately after the Insured Person is discharged from the Hospital provided that:
i. Such Medical Expenses are for the same condition for which the Insured person’s
Hospitalisation was required, and
ii. The In-patient Hospitalisation Claim for such Hospitalisation is admissible by the Company
62. Pre-existing Disease: means any condition, ailment, Injury or disease:
o That is/are diagnosed by a Medical Practitioner within 48 months prior to the effective date of the
Policy issued by the Company or its reinstatement; or
o For which medical advice or treatment was recommended by, or received from, a Medical
Practitioner within 48 months prior to the effective date of the Policy issued by the Company; or
its reinstatement.
63. Professional Sports: means a sport, which remunerates in excess of 50% of the Insured Person‘s
annual income as a means of their livelihood.
64. Property Damage: means physical damage, destruction of or loss of use of tangible property.
65. Public Transport: means travel systems available for use by general public, typically managed on a
schedule, operated on established routes, and that charge a fee for each trip. Public transport may include
city buses, trams (or light rail), passenger trains, rapid transit (metro/subway/underground etc.) and
taxis. It may also include transport between cities including Scheduled Airlines.
66. Quadriplegia: means the complete and irreversible paralysis of both upper and both lower Limbs.
67. Scheduled Airline: means any civilian aircraft operated by a civilian scheduled air carrier transport
under license issued by the country of the aircraft’s registry, and which in accordance therewith flies,
maintains and publishes tariffs for regular passenger service between named cities at regular and specific
times or regular flights operated by such carrier.
68. Subrogation: means the right of The Company to assume the rights of the Insured Person to recover
expenses paid out under the Policy that may be recovered from any other source.
69. Sum Insured: means the maximum amount of coverage, as specified against each Coverage in the Policy
Schedule / Certificate of Insurance to this Policy, which represents the maximum liability of the
Company for any and all Claims made during Policy / Cover Period under that Coverage.
70. Surgery or Surgical Procedure: Surgery or Surgical Procedure means manual and / or operative
procedure (s) required for treatment of an Illness or Injury, correction of deformities and defects,
diagnosis and cure of diseases, relief from suffering and prolongation of life, performed in a Hospital or
day care centre by a Medical Practitioner.
71. The Company: means Tata AIG General insurance Company Ltd.
72. Transportation: means any land, water or air conveyance required to transport the Insured Person in
case of a medical emergency. Transportation includes but is not limited to air Ambulance, land
Ambulances and private motor vehicles.

73. Traveling Companion: means up to two (2) person(s) who is/are booked to accompany the Insured
Person on the Trip.
74. Usual Place of Residence: means Insured Person’s address in India as mentioned in Policy Schedule/
Certificate of Insurance.
75. Uniplegia: means the complete and irreversible paralysis of one Limb.
76. Various Insurance Period(s)
o Policy Period means the time during which this Policy is in effect. Such period commences from
the Policy Period Start Date and ends on the Policy Period End Date and specifically appears
in the Policy Schedule.
o Cover Period means the time during which this Cover is in effect. Such period commences from
the Cover Period Start Date and ends on the Cover Period End Date and specifically appears
in the Certificate of Insurance against the Insured Person during which this Coverage is valid
for that specific Insured Person.
77. Various Trip Definitions:
o Annual Multi Trip: means one or more trips, where each trip does not exceed the maximum
number of Days as specified in the Policy Schedule/ Certificate of Insurance, that the Insured
Person undertakes during the Policy/Cover Period.
➢ Insured Person ‘s Annual Multi Trip Insurance Policy/Cover will start on the date
specified on the Policy Schedule/Certificate of Insurance.
➢ However, Insured Person ‘s coverage under this Policy/ Certificate of Insurance
begins later of:
1) the Policy/ Cover Period Start Date; or
2) The commencement of each Trip / Overseas Trip as applicable.
o Insured Journey: means any journey undertaken by the Insured Person, which commences
when the Insured Person enters the Port/Airport for onward journey and ends when he
alights/ exits the Port/Airport in each leg of journey.
o Single Trip: means the Trip where the Insured Person takes only one (1) trip which lasts or
is expected to last for the number of days as specified in the Policy Schedule/Certificate of
Insurance.
o Trip: means a journey starting within the Policy / Cover Period which commences and
terminates within the geographical boundaries of India and includes an Overseas Trip. Such
Trip should commence and terminate from/ at Insured Person’s Usual Place of Residence.
The coverage under this Trip is subject to there not being a time difference of more than 48
hours between
➢ the time the Insured Person leaves the Usual Place of Residence till the time he boards
a Common Carrier which is scheduled to leave for a foreign destination for the
Overseas Trip; and
➢ the time the Insured Person lands in India after completion of the Overseas Trip and
the time he reaches his Usual Place of Residence
Such time difference of 48 hours being applicable independently for both the above scenarios.
o Overseas Trip: means a journey which commences from a Sea port / Land port/ Airport in
India and whose next destination is a Sea Port /Land Port/ Airport outside India, starting
within the Policy / Cover Period and terminates on return to India or Policy/Cover Period
End Date whichever is earlier.
SECTION 2 - COVERAGES
The Company hereby agrees to pay for the Coverages opted during the Policy / Cover Period. The Policy
Schedule / Certificate of Insurance will specify which Coverages are in force for the Insured Person. Such
Coverages are subject to applicable Deductible, Co-Pay, sub-limits and Sum Insured as specified in the Policy
Schedule / Certificate of Insurance. Each and every Claim should occur within Policy /Cover Period.

1. MEDICAL CONTINGENCIES
1.1 Medical Expenses
1.1.a. Base Cover - Medical Expenses – Accident and Illness

The Company will reimburse Medical Expenses arising out of Hospitalization resulting from any Injury due
to an Accident and/or Illness occurring whilst on an Overseas Trip, which is Medically Necessary and such
Hospitalization is advised by treating Medical Practitioner
Pre-existing disease is included in this coverage provided additional premium for such inclusion has been
received by the Company and the same has been specifically mentioned on the Policy Schedule/ Certificate
of Insurance. Consequently, the Exclusion under - Section 4.A.1. and 4.A.2., shall not be applicable for this
coverage.
Exclusions Specific to this coverage:

In addition to the General Exclusions listed in this Policy, this Coverage shall not cover any Medical Expenses
related to: -
1. Routine physicals or other examinations including but not restricted to laboratory diagnostic or X-ray
examinations where there are no objective indications or impairment in normal health
2. Dental treatment, dentures or Dental / Oral Surgery, unless caused by Hospitalisation arising out of
an Injury. Treatment related to gum disease or tooth disease or damage unless related to irreversible
bone disease involving the jaw, which cannot be treated in any other way.
3. Elective, cosmetic, or plastic surgery, except because of an Injury caused by a covered Accident.
4. Expenses incurred in connection with weak, strained, or flat feet, corns, calluses, or toenails.
5. Treatment of acne.
6. Surgical treatment undertaken for correction of Deviated nasal septum, including sub mucous
resection and/or other surgical correction thereof.
7. Organ transplants that are considered experimental in nature.
8. Childcare including general medical examination and immunization.
9. Expenses which are not exclusively medical in nature.
10. Eyeglasses, contact lenses, hearing aids, and examination for the prescription or fitting thereof unless
caused by Hospitalisation arising out of an Injury.
11. Treatment provided in a government Hospital or services for which no charge is normally made.
12. Expenses related to the treatment for correction of eye sight due to refractive error.
13. Treatment for Alopecia, loss of hairs, treatment for hair including hair transplant and Laser treatments.
14. Bone marrow transplant in blood disorders.
15. Stem cell implantation/Surgery, harvesting, storage or any kind of Treatment using stem cells.
1.1.b. Base Cover - Medical Expenses – Accident Only

The Company will reimburse Medical Expenses arising out of Hospitalization resulting from any Injury due
to an Accident occurring whilst on an Overseas Trip, which is Medically Necessary and such Hospitalisation
is advised by treating Medical Practitioner

In addition to the General Exclusions listed in this Policy this coverage shall not cover any Medical Expenses
related to: -
1. Treatment of any Illness.
2. Routine physicals or other examinations including but not restricted to laboratory diagnostic or
X-ray examinations where there are no objective indications or impairment in normal health
3. Dental treatment, dentures or Dental / Oral Surgery unless caused by Hospitalisation arising out
of an Injury.
4. Elective, cosmetic, or plastic surgery, except as a result of an Injury caused by a covered Accident.
5. Expenses incurred in connection with weak, strained, or flat feet, corns, calluses, or toenails
9. Childcare including general medical examination and immunization.
10. Loss caused, wholly or partly by infections (except pyogenic infections which shall occur through
an Accidental cut or wound)
12. Eyeglasses, contact lenses, hearing aids, and examination for the prescription or fitting thereof.
unless caused by Hospitalisation arising out of an Injury.
14. Expenses related to the treatment for correction of eye sight due to refractive error.
15. Treatment for Alopecia, loss of hairs, treatment for hair including hair transplant and Laser
treatments.
1.2 Extension - Emergency Medical Evacuation

(This extension is applicable only to 1.1.a. Base Cover - Medical Expenses – Accident and Illness or 1.1.b.
Base Cover - Medical Expenses – Accident Only as opted for)
The Company will reimburse Covered Expenses if an Injury or Illness during an Overseas Trip necessitates
an Insured Person’s Emergency Medical Evacuation.
An Emergency Medical Evacuation must be
a. recommended by the attending Medical Practitioner who certifies that the severity or
b. the nature of Insured Person’s Injury or Illness warrants Insured Person’s Emergency Medical
Evacuation arranged and authorized in advance by the Assistance Company.
Covered Expenses means expenses, which are incurred for Transportation and medical treatment, including
medical services and medical supplies for Insured Person’s Emergency Medical Evacuation. All
Transportation arrangements made for evacuating the Insured Person must be by the most direct and
economical route possible.
Claim under this cover shall be admissible subject to such Injury or Illness being admissible under Coverage
1.1.a. Base Cover - Medical Expenses – Accident and Illness and / or 1.1.b. Base Cover - Medical Expenses
– Accident Only as specified in the Policy Schedule/ Certificate of Insurance.
1.3 Extension - Repatriation of Mortal Remains

The Company will reimburse Covered Expenses to bring Insured Person’s mortal remains to Insured
Person’s Usual Place of Residence if Insured Person dies whilst on an Overseas Trip. All Repatriation of
Remains arrangements must be approved in advance by Assistance Company.
The payment for cremation will be limited to INR 5000 as a fixed benefit in the event of non-submission of bills.
Covered Expenses include, but are not limited to, expenses for (a) embalming (b) cremation (c) coffin and (d)
Transportation.
1.4 Extension - Treatment of Mental and Nervous Disorders

(This extension is applicable only to 1.1.a. Base Cover - Medical Expenses – Accident and Illness or 1.1.b. Base
Cover - Medical Expenses – Accident Only as opted for)
The Company will pay a fixed amount for Medical Expenses related to mental and nervous disorders
consequent to an Illness or Injury, Claim for which is admissible under Coverage 1.1.a. Base Cover - Medical
Expenses – Accident and Illness / or 1.1.b. Base Cover - Medical Expenses – Accident Only as specified in
the Policy Schedule/ Certificate of Insurance. Such disorder should result in a Hospitalization whilst on an
Overseas Trip and should be Medically Necessary and as advised by treating Medical Practitioner.
1.5 Base Cover - Hospital Daily Cash

The Company will pay for each Day (of 24 hours), the amount as mentioned in the Policy Schedule /
Certificate of Insurance of Insured Person’s Hospitalisation resulting from any Injury due to an Accident
and/or Illness whilst on an Overseas Trip, which is Medically Necessary and such Hospitalization is advised
by treating Medical Practitioner up to maximum number of Days as mentioned in the Policy Schedule /
Certificate of Insurance.
Pre-Existing disease is included in this coverage provided additional premium for such inclusion has been
received by the Company and the same has been specifically mentioned on the Policy Schedule/ Certificate
of Insurance. Consequently, the Exclusion under - Section 4.A.1. and 4.A.2., shall not be applicable for this
coverage.

In addition to the General Exclusions listed in this Policy, this Coverage shall not cover any Hospitalization
for: -
2. Dental treatment, dentures or Dental / Oral Surgery. Treatment related to gum disease or tooth
disease or damage unless related to irreversible bone disease involving the jaw, which cannot be
treated in any other way.
4. Any treatment in connection with weak, strained, or flat feet, corns, calluses, or toenails.
1.6 Extension - Post-Hospitalization expenses

The Company will reimburse Post-Hospitalization expenses incurred for consultations, investigations and
medicines up to the number of days as mentioned in the Policy Schedule / Certificate of Insurance subject
to valid Claim under Coverage 1.1.a. Base Cover -Medical Expenses – Accident and Illness / or 1.1.b. Base
Cover - Medical Expenses – Accident Only as specified in the Policy Schedule/ Certificate of Insurance.
In case of same event, Insured Person may Claim either under Coverage 1.8. Well-being Expenses or 1.6.
Extension - Post-Hospitalisation Expenses and not both.
1.7 Extension - Emergency Dental Expense

The Company will reimburse Covered Expenses for Immediate Dental Treatment whilst on an Overseas
Trip, which is Medically Necessary and as advised by treating Medical Practitioner.
Covered Expenses means expenses incurred in filling of the tooth or surgical treatment, services, or supplies,
subject to Per Occurrence Limit as shown in the Policy Schedule / Certificate of Insurance.
The Company’s liability under this Coverage shall not exceed USD 100 in the event the Insured Person is
unable to provide Medical Bills for Covered Expenses subject to the Insured Person at least providing Medical
prescription and treatment papers related to such dental treatment.

In addition to the General Exclusions listed in this Policy this Coverage shall not cover: -
1. Any Pre-existing Disease and /or any complications arising from it.
2. Fixation of tooth or teeth bridge(s).
3. Dental Crowning, bridging and bracing.
4. Orthodontic treatment, and any treatment related to degenerative or oncological diseases.
5. Treatment which could be reasonably delayed until the Insured Person's return to Usual Place of
Residence.
6. Treatment relating to the removal of physical flaws or anomalies (cosmetic treatment or plastic surgery
in any form or manner unless Medically Necessary as a part of any covered treatment).
7. General dental treatment including but not limited to cleaning-polishing, scaling
1.8 Well-being Expenses

Base Cover - Medical Expenses – Accident Only and/or 1.5. Base Cover – Hospital Daily Cash as opted for)
1.8.a. Extension - Outpatient Expenses

The Company will reimburse OPD Treatment per visit up to maximum number of visits as mentioned in
the Policy Schedule / Certificate of Insurance whilst on an Overseas Trip which are Medically
Necessary and as prescribed by treating Medical Practitioner for: -
1. Costs of medicines / Pharmacy/ Drugs/ Supplies
2. Diagnostic tests
3. Consultations excluding covers mentioned in Coverage 1.8.b. Extension – Recuperation
Expenses if opted
4. Treatment of Fractures/ Burns
In case of same event, Insured Person may Claim only under any one of the following Coverage 1.8. Well-
being Expenses or 1.6 Extension - Post-Hospitalization expenses or 1.1. Medical Expense and not all

In addition to the General Exclusions listed in this Policy, this Coverage shall not cover any Medical Expenses
related to: -
2. Dental treatment, dentures or Dental / Oral Surgery. Treatment related to gum disease or tooth
disease or damage unless related to irreversible bone disease involving the jaw, which cannot be
treated in any other way.
4. Expenses incurred in connection with weak, strained, or flat feet, corns, calluses, or toenails.
8. Eyeglasses, contact lenses, hearing aids, and examination for the prescription or fitting thereof.
1.8.b. Extension - Recuperation Expenses

The Company will reimburse recuperation expenses per session up to maximum number of sessions as
mentioned in the Policy Schedule / Certificate of Insurance whilst on an Overseas Trip which are
Medically Necessary and results from an Illness or Injury contracted/sustained whilst on an Overseas
Trip and is advised by treating Medical Practitioner for:-
1. Psychological therapy
2. Speech Therapy
3. Occupational therapy
4. Physiotherapy
5. Service expenses for recovery of mental and physical skills lost due to Injury
6. Visits to Chiropractor.
1.8.c. Extension - Routine Check-Up

The Company will reimburse expenses incurred for the below given preventive healthcare packages up
to maximum number of packages as mentioned in the Policy Schedule / Certificate of Insurance whilst
on an Overseas Trip as advised by treating Medical Practitioner.
Package 1. Pathological / Diagnostic Tests

Package 2. Routine Dental Care
Package 3. Routine Vision Care
Pre-existing disease is included in this cover provided the Policyholder has paid additional premium for such
inclusion and the same has been specifically mentioned on the Policy Schedule/ Certificate of Insurance.
Consequently, the Exclusion under - Section 4.A.1. and 4.A.2., shall not be applicable for this Cover.
1.9 Extension - Pre-Existing Disease Cover for a Life-Threatening Condition

(This extension is applicable only to 1.1.a. Base Cover - Medical Expenses – Accident and Illness)
The Company will pay a fixed amount in the event of Hospitalization of the Insured Person arising out of a
Life-Threatening Condition caused by Pre-Existing Disease whilst on an Overseas Trip.
General Exclusion related to Pre-Existing Disease under 4.A.1 stands deleted for this Coverage.
1.10 Extension - Maternity Expenses

(This extension is applicable only to 1.1.a. Base Cover - Medical Expenses – Accident and Illness and/or
1.5. Base Cover – Hospital Daily Cash as opted for)
The Company will reimburse Medical Expenses incurred by the female Insured Person, as a result of
Pregnancy, childbirth, miscarriage, abortion and complications thereof whilst on an Overseas Trip.
Maternity expenses shall include-

1. Medical Expenses traceable to childbirth (including complicated Deliveries and caesarean sections)
incurred during Hospitalisation.
2. Expenses towards lawful medical termination of pregnancy during the Policy / Cover Period.

3. Pre-natal and post-natal expenses up to 30 days provided such period falls within Policy / Cover Period
and Policy / Cover Period End Date whichever is earlier.
4. Expenses towards treatment of Newborn Baby up to the date of discharge of Insured Person from
Hospital.
5. Vaccination schedule of the Child within one (1) year of Birth or Policy / Cover Period End Date
whichever is earlier.
Insurance cover under this Coverage is available provided additional premium has been received by the
Company for such cover and the same has been specifically mentioned on the Policy Schedule/ Certificate of
Insurance the same has been specifically mentioned on the Policy Schedule/ Certificate of Insurance.
Consequently, the Exclusion under - Section 4.A.5 and 4.A.7 shall not be applicable for this Cover.
Nine (9) months waiting period is not applicable for this Cover provided additional premium has been received
by the Company for such waiver and the same has been specifically mentioned on the Policy Schedule/
Certificate of Insurance. Consequently, the Exclusion under - Section 4.A.6. shall not be applicable for this
Cover.
1.11 Extension - Corporate Floater

The Company will provide Corporate Floater amount as mentioned in the Policy Schedule/Certificate of
Insurance: -
• This Corporate Floater amount will be available for those Insured Person(s), who have already
exhausted their Sum Insured limit Coverage 1.1.a. Base Cover - Medical Expenses – Accident and
Illness or 1.1.b. Base Cover -Medical Expenses – Accident Only as specified in the Policy
schedule/Certificate of Insurance.
• Claim under Corporate Floater can be lodged only for Medical expenses related to Coverages 1.1.a.
Base Cover -Medical Expenses – Accident and Illness or 1.1.b. Base Cover - Medical Expenses –
Accident Only as specified in the Policy schedule/Certificate of Insurance, subject to the same
being admissible under Coverages 1.1.a. Base Cover - Medical Expenses – Accident and Illness or
1.1.b. Medical Expenses – Accident Only.
• Any approval of Claim from Corporate Floater shall be at the sole discretion of Policyholder and The
Company.
The Corporate Floater will not be available if any Coverage is restricted by sublimit. The Company’s Liability
under Corporate Floater for an Individual Insured Person shall be restricted to the amount as specified in the
Policy Schedule.
The Company’s liability in aggregate for all Claims payable under Corporate Floater shall not exceed the
amount as mentioned in the Policy Schedule.
1.12 Extension - Automatic Extension of Period

If, Insured Person continues to be confined in a Hospital overseas after the Policy / Cover Period for which
The Company has admitted its liability under Medical Expenses - 1.1.a. Base Cover- Medical Expenses -
Accident and Illness / 1.1.b. Base Cover - Medical Expenses – Accident only and
a) continued treatment overseas as an Inpatient in a Hospital is Medically Necessary, Medical
Expenses will be paid till earlier of Insured Person ‘s Hospital Discharge or 30 Days after the Policy /
Cover Period subject to balance Sum Insured under Medical Expenses - 1.1.a. Base Cover - Medical
Expenses - Accident and Illness / 1.1.b. Base Cover - Medical Expenses – Accident only; or

b) If the Company / Assistance Company and Treating physician recommends that the treatment can
be continued in an Indian Hospital, then Medical Expenses will be paid till earlier of Insured Person ‘s
Hospital Discharge or 30 Days after the Policy / Cover Period subject to 20% of Balance Sum Insured
under Medical Expenses - 1.1.a. Base Cover - Medical Expenses - Accident and Illness / 1.1.b. Base
Cover - Medical Expenses – Accident only
1.13 Extension - Automatic Cover in India

If, Insured Person whist on an Overseas Trip is suffering from an Illness or Injury claim for which is
admissible under Medical Expenses - 1.1.a. Base Cover - Medical Expenses - Accident and Illness / 1.1.b.
Base Cover - Medical Expenses – Accident only / 1.10 Extension - Maternity Expenses, and if the Insured
Person elects to undergo the treatment for such Injury or Illness in India and the Company / Assistance
Company approves the same then the Company will cover the Medical Expenses for such treatment in India.
The Company’s liability under this Extension shall not exceed 10% of Balance Sum Insured under Medical
Expenses - 1.1.a. Base Cover - Medical Expenses - Accident and Illness / 1.1.b. Base Cover - Medical
Expenses – Accident only / 1.10 Extension - Maternity Expenses as applicable.
The above is subject to such treatment being undertaken at a Hospital in India during the Policy/Cover
Period.
2. PERSONAL ACCIDENT
2.1 Accidental Death and Dismemberment
2.1.a. Base Cover - Accidental Death and Dismemberment (24 hours)

The Company will pay a percentage of the Sum Insured as mentioned in Policy Schedule / Certificate of
Insurance if Insured Person sustains an Injury, which is caused directly and independently because of an
Accident whilst on Overseas Trip /Trip. Such Injury should result in at least one of the losses as shown in
the Table of Losses-A below. The loss must occur within 12 (Twelve) months from the date of the Accident.
The Company will pay, the Sum Insured less any other amount paid/payable under Coverage: 2.2. Extension
- Permanent Total Disability, 2.3. Extension- Permanent Partial Disability, of this Policy, if these
Coverages are opted under this Policy, as a result of the same Accident.
If more than one loss from the “Table of Losses-A” results from any one Accident, only one amount, the largest,
will be paid. The Company’s maximum liability is restricted to 100% of the Sum Insured.
Table of Losses -A
Type of Losses % of Sum Insured
Life 100%
Both Hands or Both Feet 100%
Sight of Both Eyes 100%
One Hand and One Foot 100%
Either Hand or Foot and Sight of One Eye 100%
Speech and Hearing in Both Ears 100%
Either Hand or Foot 50%
Sight of One Eye 50%
Speech 50%
Hearing in Both Ears 50%
Thumb and Index Finger of Same Hand 25%
Quadriplegia 100%
Paraplegia 100%
Hemiplegia 100%
Uniplegia 50%
The Percentage (%) of Sum Insured under Coverage 2.1.a Base Cover - Accidental Death and
Dismemberment (24 hours) when mentioned in the Policy Schedule / Certificate of Insurance shall
supersede above mentioned Percentage (%) of Sum Insured.
“Loss” with regard to

(a) Hand or foot means actual severance through or above the wrist or ankle joints respectively.
(b) Eye means entire and irrecoverable loss of sight.
(c) Thumb and Index finger means actual severance through or above the joint that meets the hand at the
palm.
(d) Speech or Hearing means entire and irrecoverable loss of speech or hearing of both ears
Disappearance
The Company will pay for Death of Insured Person whilst on a Trip, if Insured Person’s body cannot be
located within One (1) year after the forced landing, stranding, sinking or wrecking of a Common Carrier in
which the Insured Person was a passenger or as a result of any Acts of God, in which case it shall be deemed,
that he shall have suffered loss of life within the meaning of the Policy.
Once a Claim has been accepted and 100% Sum Insured has been paid then this Coverage shall immediately
and automatically cease in respect of that Insured Person.
2.1.b. Base Cover - Accidental Death and Dismemberment (Common Carrier only)
The Company will pay the Sum Insured as mentioned in Policy Schedule / Certificate of Insurance if
Insured Person sustains an Injury which is caused directly and independently because of an Accident whilst
on Overseas Trip / Trip. Such Injury should result in at least one of the losses as shown in the Table of loss -
B below. Injury must occur while Insured Person is riding as a passenger in or on, boarding or alighting from
the Common Carrier. The loss must occur within 12 (Twelve) months from the date of the Accident.
If more than one “Table of loss - B” results from any one Accident, only one amount will be paid. The
Company’s maximum liability is restricted to 100% of the Sum Insured.
Table of Losses -B
Type of Losses % of Sum Insured
Life 100%
Both Hands or Both Feet 100%
Sight of Both Eyes 100%
One Hand and One Foot 100%
Either Hand or Foot and Sight of One Eye 100%
Speech and Hearing in Both Ears 100%
“Loss” with regard to

(a) Hand or Foot means actual severance through or above the wrist or ankle joints.
(b) Eye means entire and irrecoverable loss of sight.
(c) Thumb and Index Finger means actual severance through or above the joint that meets the hand at the
palm.
(d) Speech or Hearing means entire and irrecoverable loss of speech or hearing of both ears
Disappearance
The Company will pay for Death of Insured Person whilst on a Trip, if the Insured Person’s body cannot be
located within one (1) year after the forced landing, stranding, sinking or wrecking of a Common Carrier in
which the Insured Person was a passenger or as a result of any Acts of God, in which case it shall be deemed,
that he shall have suffered loss of life within the meaning of the Policy.
2.2. Extension - Permanent Total Disability

(This extension is applicable only to 2.1.a. Base Cover - Accidental Death and Dismemberment (24 hours)
or 2.1.b. Base Cover - Accidental Death and Dismemberment (Common Carrier only as opted for)
The Company will pay, the Sum Insured as mentioned in Policy Schedule / Certificate of Insurance for
Injury because of an Accident, directly and independently results in Permanent Total Disability within
twelve (12) months of the date of Accident during the Overseas Trip / Trip provided such disability has
continued for a period of twelve (12) consecutive months and is total, continuous and permanent at the end of
this period.
The Company will pay, the Sum Insured less any other amount paid/payable under Coverage: 2.1.a Base
Cover -Accidental Death and Dismemberment (24 Hours), 2.3. Extension - Permanent Partial Disability
of this Policy, if these Coverage’s are offered under this Policy, as a result of the same Accident.
2.3. Extension - Permanent Partial Disability

(This extension is applicable only to 2.1.a. Base Cover - Accidental Death and Dismemberment (24 hours)
or 2.1.b. Base Cover - Accidental Death and Dismemberment (Common Carrier only) as opted for)
The Company will pay a specified percentage of the Sum Insured as mentioned in Policy Schedule /
Certificate of Insurance for Injury because of an Accident, directly and independently resulting in Permanent
Partial Disability within twelve (12) months of the date of Accident during the Overseas Trip/ Trip provided
such disability and is total, continuous and permanent, as mentioned in Table of Losses –C.
If the Insured Person suffers more than one of the below mentioned loss as a result of the same Accident, the
Company will add the percentages of each disability. However, the Company will not pay more than 100% of
the Sum Insured stated in the Policy.
The Company will pay, the Sum Insured less any other amount paid/payable under Coverage: 2.1.a. Base
Cover - Accidental Death and Dismemberment (24 Hours), 2.2. Extension - Permanent Total Disability
coverage of this Policy, if these coverages are offered under this Policy, as a result of the same Accident.
and automatically cease in respect of that Insured Person
Table of Losses- C
Nature of Losses Percentage (%) Sum Insured
1. Loss of toes – all 20%
2. Great Toe 5%
3. other than great toe, if more than one toe lost, each 1%
4. Loss of hearing – both ears 50%

5. Loss of hearing – one ear 25%
6. Loss of four fingers and thumb of one hand 40%
7. Loss of four fingers 25%
8. Loss of thumb 15%
9. Loss of index finger 10%
10. Loss of middle finger 6%
11. Loss of ring finger 5%
12. Loss of little finger 4%
The Percentage (%) of Sum Insured under Coverage 2.3 Extension - Permanent Partial Disability when
mentioned in the Policy Schedule / Certificate of Insurance shall supersede above mentioned Percentage
(%) of Sum Insured.
“Loss” with regard to:

(a) Toe, Finger, Thumb means actual complete severance from the foot or Hand.
(b) Hearing means entire and irrecoverable loss of hearing.
Exclusions Specific to this Coverage 2 – Personal Accident:

1. Loss caused, wholly or partly by infections (except pyogenic infections which shall occur through an
Accidental cut or wound) or any other kind of Disease or sickness.
2. Claim which arises out of an Accident connected with the operation (including Flying, mounting,
dismounting) of an aircraft or which occurs during parachuting except when the Insured Person is flying
as a Fare Paying passenger in a multiengine, commercial aircraft.
3. Injury under the influence of drugs, alcohol, or other intoxicants

GROUP OVERSEAS TRAVEL GUARD – Optional Add on Covers
The Group Overseas Travel Guard – Optional Add on Cover can only be opted along with the base covers under
the Policy and cannot be opted in isolation or as a separate product. The Add-on covers are provided on
payment of additional premium and subject to the terms and conditions and exclusions as stated in addition to
the Policy Terms and Conditions and Exclusions. These Add-on Covers shall be available only if the same are
specifically mentioned in the Policy Schedule / Certificate of Insurance.
The insurance provided under these Add On covers are only with respect to such and so many of the coverages
as are indicated by a specific amount set opposite in the Policy Schedule/Certificate of Insurance.
3 TRAVEL CONTINGENCIES
3.1 Add on - Flight Delay

The Company will pay a fixed amount in the event the Scheduled Airline, on which the Insured Person is
travelling is delayed from its Scheduled Departure or Scheduled Arrival as specified in Policy schedule /
Certificate of Insurance during Trip / Overseas Trip.
Compensation for such delay shall be payable provided the actual departure / arrival of the Flight happens
after the application of Time Deductible on the Scheduled Departure or Schedule Arrival time.

In addition to the General Exclusions listed in this Policy, this Coverage shall not cover: -
1. Delay due to late arrival of the Insured Person.
Claims documentation specific to this Coverage:

Below is a general check-list of documents. The Company may call for additional documents/ information as
relevant. This should be read in conjunction with Policy Wordings - Section 5, Claim procedure and Documents
1. Claim form duly completed and signed by the Insured Person.
2. Copy of passport/Visa with Entry & exit stamp.
3. Copy of cancelled cheque/NEFT form.
4. Copy of Ticket & Boarding Pass with original scheduled itinerary and date of booking.
5. Copy of Bills of purchases made/ Expenses incurred during the period of delay if any.
6. Copies of Correspondence with the Airline authorities certifying with reason for the delay
3.2 Add on- Trip Cancellation

Definitions specific to this coverage:
2. Covered Expenses means Non-refundable travel ticket cost.
3. Public Authority: means any governmental, quasi-governmental organization or any statutory body or
duly authorized organization with the power to enforce laws, and command, determine, or judge.
2. Strike: means any labor disagreement, which interferes with the normal departure and arrival or
departure of Scheduled Airlines/Scheduled Railways and is defined as legal by relevant authorities in the
respective Usual Place of Residence.
Coverage:
The Company will reimburse Covered Expenses in the event of cancellation of Insured Person’s Overseas
Trip prior to commencement of such Overseas Trip due to: -

1. Illness and / or Injury requiring Hospitalisation or death of Insured Person, Insured Person’s
Traveling Companion, Insured Person’s Spouse and/or Parent and/or Child (ren), Insured
Person’s Traveling Companion's Spouse and/or Parent and/or Child (ren).
2. Occurrence of a Catastrophe.
3. Mass bandhs or widespread Strikes acknowledged / published by Public Authority, which the
Insured Person could not reasonably avoid or plan ahead in time.
4. Cancellation caused by Government regulations or control.
5. Cancellation by Common Carrier which was scheduled for departure for such Overseas Trip.
If both Add on- Trip Cancellation and Add on- Trip Cancellation – Due to Event Cancellation have been
opted under this Policy Schedule /Certificate of Insurance, then in case of a valid Claim being admissible
due to a same event under both Add on -Trip Cancellation and Add on- Trip Cancellation – Due to Event
Cancellation, The Company’s liability shall be restricted to payment of Claim under any one of the Covers but
not both

1. Any of the covered causes for Trip cancellation, which were known to Insured Person prior to the
booking date of Insured Person’s Overseas Trip or Policy issue date whichever is later.

5. Medical records / Death certificate of insured, companion or Immediate Family Member.
6. Details / supporting documents of amount refunded by Common Carrier.
7. Copy of Ticket and copies of Correspondence with the Airline related to trip cancellation.
8. Any other documents evidences, like newspaper cutting etc. related to Mass bandhs or widespread
Strikes/Catastrophe acknowledged/published by Public Authority if any.
3.3 Add on-Missed Connection

1. Covered Expenses: means the cost of alternate flight, for an equivalent or lower-class air ticket net of
refundable amount received from missed flight
Coverage:
The Company will reimburse Covered Expenses arising out of missed connection during Trip. This missed
flight should be solely due to delay / cancellation of the flight in which the Insured Person is travelling
immediately prior to the missed flight and time gap between the Scheduled arrival of the previous flight and
the Scheduled departure of the missed flight is more than
• three (3) hours - in case of Domestic - International Flight while travelling Overseas & vice versa
• two (2) hours – in case of Domestic - Domestic flight within the same country.
In the event, the Insured Person chooses a mode other than a flight to reach the next schedule destination
then The Company will reimburse up to the amount not exceeding the original cost of flight less the refund
received.

2. Copy of passport / Visa with entry/ exit stamp.
3.Copy of cancelled cheque/NEFT form.
4. Copy of Ticket & Boarding Pass with original scheduled itinerary and date of booking
5. Copy of new Ticket & Boarding Pass.
6. Copies of Correspondence with the Airline authorities certifying the reason for missed connection.
7.Details / supporting documents of amount refunded by Common Carrier for the original scheduled ticket.
8.Invoices /tickets of Additional travel expenses, if any to reach the next scheduled destination.
3.4 Add on - Trip Interruption

2. Covered Expenses means
a) Non-refundable travel costs and / or accommodation costs
b) Additional accommodation necessarily incurred at the place of interruption and / or travel expenses
(excluding telephone costs, meals and beverages) necessarily incurred by the Insured Person to
return by the most direct and economical route possible to his Usual Place of Residence, where
Insured Person had started Overseas Trip/Trip.
4. Strike: means any labor disagreement, which interferes with the normal departure and arrival or
departure of Scheduled Airlines/Scheduled Railways and is defined as legal by relevant authorities in
the respective Usual Place of Residence.
Coverage:
The Company will reimburse the Covered Expenses following shortening and / or alteration of the Overseas
Trip/Trip Interruption due to: -
1. Illness and / or Injury requiring Hospitalisation or death of Insured Person or Insured Person’s
Traveling Companion or Insured Person’s Spouse and/or Parent and/or Child (ren), Insured
Person’s Traveling Companion's Spouse and/or Parent and/or Child (ren) during the Trip.
2. Occurrence of Catastrophe.
3. Mass bandhs or widespread Strikes acknowledged / published by Public Authority which the
Insured Person could not reasonably avoid or plan ahead in time.
4. Any facts or matters which led to delay or which was publicly announced in advance, which the
Insured Person was aware or should have been aware.
In case of same event, Insured Person may Claim either under Coverage Add on - Trip Interruption or
Add on - Accommodation Cancellation and not both.

1. Claim Form duly filled and signed by Insured Person.
3 Copy of passport / Visa with entry and exit stamp.
5. Details of Circumstances leading to trip interruption along with supporting documents.
6. Details / supporting documents of amount refunded by Common Carrier and Accommodation.
7. Bills and receipts of additional expenses towards accommodation and Travel during the interruption
period.

8. Any other documents evidences, like newspaper cutting etc. related to Mass bandhs or widespread
Strikes/Catastrophe acknowledged/published by Public Authority if any
3.5 Loss of Document

3.5.b. Add on - Loss of Passport

Coverage:
The Company will reimburse expenses in connection with obtaining a duplicate or fresh Passport If the
Insured Person loses his passport whilst on an Overseas Trip.

1. Loss arising from delay, detention or confiscation by customs officials, police or other Public Authorities.
The Company’s liability under this Coverage shall not exceed INR 1000 in the event the Insured Person is
unable to provide Bills for issuance of new Passport subject to the Insured Person at least providing proof of
having applied for a duplicate Passport.

1. Claim form duly completed and signed by Insured Person.
4.Copy of Ticket & Boarding Pass with original scheduled itinerary and date of booking
5. Copy of duplicate/new Passport.
6. Original bills/invoices of expenses incurred for obtaining a new Passport.
7. Copy of FIR/ Police Report.
4. BAGGAGE CONTINGENCIES
4.1. Add on - Delay of Checked-in Baggage

1. Checked-In Baggage means the baggage entrusted by Insured Person and accepted by Common
Carrier for Transportation for which a baggage receipt is issued to Insured Person. This also includes
the contents of the baggage checked in by Insured Person as long as such contents do not violate any
specific policy or rule restricting the nature of items that may be carrier on board in Common Carrier.
This shall exclude all the items that are carried / transported under a contract of affreightment.
Coverage:
The Company will pay a benefit amount if Insured Person’s Checked-in Baggage is delayed or misdirected
by Common Carrier for more than the number of consecutive hours as mentioned in the Policy
schedule/Certificate of Insurance from the time Insured Person arrives at the destination stated on his
ticket during Insured Journey whilst on Trip / Overseas Trip.
Insured Person must be a ticketed passenger on the Common Carrier. All Claims must be verified by the
Common Carrier who must certify the delay or misdirection.
To cover Delay of Checked-in Baggage incurred in India during return journey, Policyholder has an option of
waiver of below exclusion on payment of additional premium.
Exclusion specific to this Coverage which can be waived on payment of additional premium
1. Delay of Checked-in Baggage incurred in India during return journey.

5. Property Irregularity Report (obtained from Airline).
6. Bills/receipts/invoices pertaining to expenses incurred/purchases made towards during the delay period.
4.2 Add on - Loss of Checked-in Baggage

1. Checked-In Baggage means the baggage entrusted by Insured Person and accepted by Common
Carrier for Transportation for which a baggage receipt is issued to Insured Person. This also includes
the contents of the baggage checked in by Insured Person as long as such contents do not violate any
specific policy or rule restricting the nature of items that may be carrier on board in Common Carrier.
This shall exclude all the items that are carried / transported under a contract of affreightment.
2. Theft: means an act of illegally permanently depriving Insured Person and /or Insured Person’s
Immediate Family Member of the possession of the Contents by any person by violent or forceful
means or otherwise.
Coverage:
The Company will reimburse non-refundable cost of an entire piece of Checked-In Baggage and its contents,
held in the care, custody and control of the Common Carrier, due to Theft or misdirection by the Common
Carrier or due to non- delivery at its destination during Insured Journey whilst on Trip / Overseas Trip.
Insured Person must be a ticketed passenger on the Common Carrier.
The maximum amount to be reimbursed per bag and the maximum value per article contained in any bag of
the amount will be as stated in the Policy Schedule / Certificate of Insurance. A combined maximum limit of
10% is applicable on jewelry, watches, articles consisting in whole or in part of silver, gold or platinum, furs,
articles trimmed with or made mostly of fur.
All Claims must be verified by the Common Carrier who must certify the loss. Benefits for Checked-in
Baggage and Personal Effects will be in excess of any amount paid or payable by the Common Carrier
responsible for the loss or any other valid and collectible insurance. If at the time of the occurrence of any loss
there is other valid and collectible insurance in place, the Company will be liable only for the excess of the
amount of loss, over the amount of such other insurance, and any applicable deductible.
In case of same event, Insured Person may Claim either under Coverage Add on - Delay of Checked-In
Baggage or Add on - Loss of Checked-In Baggage and not both.

1. Loss to or destruction of the baggage arising from detention, confiscation or distribution by customs,
police or other public authorities.
2. Damage to the Baggage or partial loss of its contents.
3. Animals, motor vehicles (including accessories), motorcycles, boats, motors, any conveyance, (except
bicycles while checked as baggage with Common Carrier), snow skis, household effects, antiques,
electronic equipment such as computers (including software and accessories), personal data assistants
or handheld computers, cellular phones, digital video disc player, compact disc player, video
camcorder, eyeglasses or sunglasses, contact or corneal lenses, artificial teeth, bridges or prosthetic
limbs, hearing aids, valuables, money, securities such as credit cards, debit cards, cheques, traveler
cheques, membership cards, tickets or documents, business good or samples, data recorded on tapes,
cards, discs or otherwise, musical instruments, perishables and consumables.
4. Loss to property insured under any other insurance Policy.
5. Loss of Insured Person’s baggage sent in advance or souvenirs and articles mailed or shipped
separately.


4.Copy of Ticket & Boarding Pass with original scheduled itinerary and date of booking.
5. Property Irregularity Report (obtained from Airline).
6. Copies of Correspondence with the Airline authorities/Others confirming the loss and details of
compensation.
7. Individual list of items in each baggage with approximate cost of each item.
5. OTHER CONTINGENCIES
5.1. Add on - Adventure Sports Cover

Definitions specific to this Cover:
1. Adventure Sports means Recreational activities perceived as involving a high degree of risk. These
activities involve either or speed, height, a high level of physical exertion, and highly specialized gear.
Coverage:
If the Insured Person participates in Adventure Sports performed under expert supervision of trained
professionals whilst on an Overseas Trip, the Company will pay / reimburse for a Claim arising out of an
Injury during participation in such Adventure Sports under the following coverages whichever have been
opted under this Policy Schedule /Certificate of Insurance as per the applicable: -
1.1.a Base Cover - Medical Expenses – Accident and Illness

1.1.b Base Cover - Medical Expenses – Accident only
1.2. Extension - Emergency Medical Evacuation
1.3. Extension - Repatriation of Mortal Remains
2.1.a. Base Cover-Accidental Death & Dismemberment (24 Hours)
2.1.b. Base Cover-Accidental Death & Dismemberment (Common Carrier Only)
2.3. Extension - Permanent Total Disability
Admissibility and assessment of Claim arising out of Adventure Sports shall be as per the terms, conditions
and limits as applicable to the above-named coverages

Coverage is exclusively for non- professional activities, wherein the Insured Person engages in Adventure
Sports only for leisure.
The Company will not be liable to make any payment in respect of any Extension -Post – Hospitalization
Medical Expenses even if opted (Coverage 1.6.).
If this Coverage is opted, then Section 4.A.3: Exclusion stands modified to the extent above

1. Documentation as in 1.1. Medical Expenses, 1.2 Extension – Emergency Medical Evacuation, 1.3 Extension –
Repatriation of Mortal Remains, 2.1 Accidental Death and Dismemberment and 2.3 Extension – Permanent
Total Disability
5.2. Add on - Personal Liability

1. Third Party: means any individual other than Insured Person or his immediate Family Members or
his Travelling Companion or members of the Family which the Insured Person may be visiting on an
Overseas Trip.
Coverage:
Property Damage
The Company will reimburse up to The Company’s limit of liability for the Property Damages for which
Insured Person is legally liable whilst on an Overseas Trip. If a Claim is made and a suit is brought by a Third
Party against Insured Person for Property Damage caused by an occurrence to which this coverage applies.
Medical Payment to Others

The Company will reimburse Medical Expenses that are incurred or medically ascertained within one (1)
year from the date of an Accident causing bodily Injury to a Third Party whilst on Overseas Trip for which
Insured Person is legally liable. This coverage applies only if the Bodily Injury is caused by Insured Person’s
activities.

1. Liability which is expected by or intended for Insured Person.
2. Any liability Claim which is intimated or brought post twelve (12) months from the date of occurrence
of an event leading to a liability Claim.
3. Liability arising out of or in connection with a Business engaged in by Insured Person. This exclusion
applies but is not limited to an act or omission, regardless of its nature or circumstance, involving a
service or duty rendered, promised, owed, or implied to be provided because of the nature of the
Business.
4. Liability arising out of the rental or holding for rental of any part of any premises by Insured Person.
5. Liability arising out of the Insured Person’s place of residence.
6. Liability arising out of the rendering of or failure to render professional services.
7. Liability arising out of a premise, watercraft or aircraft that is owned by, rented to or rented by Insured
Person.
8. Liability arising out of the ownership, maintenance, use, loading or unloading of motor vehicles, all other
motorized land conveyances, watercraft or aircraft.
9. Liability arising out of the transmission of a communicable Disease by Insured Person.
10. Liability arising out of sexual molestation, corporal punishment, or physical or mental abuse.

11. Liability arising out of the use, sale, manufacture, delivery, transfer or possession by any person of a
controlled substance or contraband as defined by the appropriate authority or the Federal Food and Drug
Agency or equivalent or similar organization.
12. Liability under any contract or agreement.
13. Property damage to property owned by Insured Person.
14. Property damage to property rented to, occupied, or used by or in the care of Insured Person.
15. bodily Injury to any person eligible to receive any benefits voluntarily provided or required to be
provided by Insured Person under any worker’s compensation law, non-occupational disability law or
occupational Diseases law, or similar law.
16. Suits or legal actions arising from Insured Person’s Immediate Family Member or Traveling
Companion or Immediate Family Member of a Traveling Companion against Insured Person.

5. Full statement of the facts in writing along with Witness statements.
6. Any other documents relevant to the incident, including Summons, Legal Notice etc.
7. Any other information Insured Person would like to share with us.
5.3 Add on - Electronic Equipment Cover

Definition specific to this Coverage:
1. Contents: means the following not used for Business or Business Purposes, so long as they are owned by
Insured Person and/or his Family and are legally responsible for them:
a) Household goods, such as furniture, fixtures, fittings, Home appliances, interior decorations and items
of like nature excluding portable Electronic Equipment.
b) Personal effects such as clothes and other articles of personal nature likely to be worn, used or carried
but excluding deeds, bonds, bill of exchange, promissory notes, cheques, money, jewellery and
valuables, document of any kind, cash and currency notes.
Immediate Family Member of the possession of the Contents by any person by violent or forceful means
or otherwise.
3. Burglary means an act involving the unauthorized and forcible entry to or exit from the Insured Person’s
Usual place of Residence with an intent of committing a Theft.
4. Electronic Equipment: shall mean any Laptop, Tablet, Mobile Phone or SLR / DSLR carried by the Insured
Person for personal and official use. However, accessories like Headphones, Charger, Mouse, Stylus etc.
shall be excluded from this definition
Coverage:
The Company will reimburse for loss incurred by the Insured Person arising out of Theft or accidental
damage of the portable Electronic equipment, whilst on Overseas Trip during the Policy / Cover period,
provided that the liability of The Company shall in no case exceed the sub-limit of each item subject to the
aggregate liability under this cover as specified in the Policy Schedule / Certificate of Insurance.
The Sublimit for each item will be 25% of the aggregate liability of this coverage.
Loss incurred will be payable in the following manner: -

a) In the event of a total loss of an item The Company shall be liable to pay lower of, the Replacement cost of
the item (or, if not readily available, then an item of equivalent but not better quality) or the purchase value,
less depreciation applicable as per the table give below.
Age of the Equipment Depreciation %
0 – 6 months 30%
6 – 12 months 45%
12 – 18 months 60%
18 > months 75%
b) In the event of partial loss of an item on account of any damage, The Company shall be liable to pay the
Cost of repair or refurbishment. However, the liability of The Company under partial loss shall not exceed
the amount it would have paid in case such an item was a total loss.

1. Expenses for any loss or destruction, which will be paid or refunded by the Common Carrier, hotel, agent
or any other provider of travel and/or accommodation.
2. Expenses for any loss of stored data or re-creation of such stored data.
3. Expenses for any loss, damage of Portable Electronic Equipment caused due to the Insured Person’s
fault (willful negligence on behalf of the user).
4. Expenses for any actual or alleged loss or destruction arising from detention, confiscation or distribution
by customs, police or other Public Authorities.
5. General wear and tear
6. Consequential Loss or legal liability of any kind.
7. Manufacturing defects and or Pre-Existing defects
8. Functional Failure which is covered under extended warranty.
9. Climatic Conditions and maintenance Cost
10. Any functioning or malfunctioning of the internet or similar facility, or of any intranet or private network
or similar facility,
11. Any corruption, destruction, distortion, erasure or other loss or damage to data, software, or and kind of
programming or instruction set.
12. Loss of use or functionality whether partial or entire of data, coding, program, software, any computer or
computer system or other device dependent upon any microchip or embedded logic, and any ensuing
liability or failure of the Insured Person to conduct business. This shall not exclude subsequent damage
not otherwise excluded which itself results from an insured peril
13. Loss or damage due to misplacement, misuse, reckless, abusive, willful or intentional conduct associated
with handling and use of the covered item.
14. Any cosmetic loss or damage including but not limited to scratches and dents that do not otherwise affect
the functionality of the covered item.
15. Loss or damage arising out of the misuse of or use other than in accordance with manufacturer’s
recommendation of, or use of any accessory which has not been approved by the manufacturer with the
insured appliances

5. Copy of FIR/Final Police Report for loss of items.
6. Itemized list of lost items along with Invoices or bills/receipts of items lost.
5.4. Add on - Home Content Burglary

Definition specific to this Coverage:
1. Contents: means the following not used for Business or Business Purposes, so long as they are owned by
Insured Person and/or his Family and are legally responsible for them:
o Household goods, such as furniture, fixtures, fittings, Home appliances, interior decorations and items
of like nature excluding portable Electronic Equipment.
o Personal effects such as clothes and other articles of personal nature likely to be worn, used or carried
but excluding deeds, bonds, bill of exchange, promissory notes, cheques, money, jewellery and
valuables, document of any kind, cash and currency notes.
Immediate Family Member of the possession of the Contents by any person by violent or forceful means
or otherwise.
3. Burglary means an act involving the unauthorized and forcible entry to or exit from the Insured Person’s
Usual place of Residence with an intent of committing a Theft.
4. Domestic Staff: means any person employed by Insured Person solely to carry out domestic duties
associated with Insured Person’s Usual Place of Residence but does not include any person employed
in any capacity in connection with any Business, trade or profession.
5. Electronic Equipment: shall mean any Laptop, Tablet, Mobile Phone or SLR / DSLR carried by the Insured
Person for personal and official use. However, accessories like Headphones, Charger, Mouse, Stylus etc.
shall be excluded from this definition.
6. Kutcha Construction: means buildings having walls and/or roofs of wooden planks, thatched leaves,
grass, bamboo, plastic, cloth, asphalt, canvas, tarpaulin or the like.
7. Robbery: means the unlawful taking of the Insured Person’s property, by a person or person(s), using
violence or the threat of violence and who has/have caused or threatened physical harm to the Insured
Person, the Insured Person’s Spouse and/or Children.
Coverage
The Company will reimburse the loss and/or damage caused to the Contents of the Insured Person’s Usual
Place of Residence due to Burglary or attempted Burglary or Robbery while the Insured Person is on an
Overseas Trip. Liability of The Company under this Coverage for any single item shall not exceed 20% of the
Sum Insured.
Loss incurred will be payable in the following manner: -
In the event of a total loss of an item The Company shall be liable to pay lower of, the Replacement cost of the
item (or, if not readily available, then an item of equivalent but not better quality) or the purchase value, less
depreciation applicable as per the table give below.
Age of the Content Depreciation %
0 – 1 Year 20%
1 – 2 Year 35%
2 – 3 Year 50%

3 – 4 Year 70%
> 4 Years 80%
In the event of partial loss of an item on account of any damage, The Company shall be liable to pay the cost
of repair or refurbishment. However, the liability of The Company under partial loss shall not exceed the
amount it would have paid in case such an item was a total loss.

1. If Insured Person and/or his Family and/or Domestic Staff are in any way involved in concerned or with
the actual or attempted Burglary.
2. Kutcha Construction.
3. Loss or damage to livestock, motor vehicles, pedal cycles, money, securities for money, stamp, bullion,
deeds, bonds, bills of exchange, promissory notes, stock or share certificates, business books, manuscripts,
documents of any kind, unset precious stones, jewellery, valuables, ATM or credit cards
4. Consequential Loss or legal liability of any kind.
5. Loss, destruction, Theft, Burglary or damage to portable Electronic Equipment.
6. Loss or damage caused by use of key in Usual Place of Residence or any duplicate thereof belonging to
Insured Person, unless such key has been obtained by assault or violence or any thereat thereof.
7. Loss, destruction or damage to any electrical machine, apparatus, fixture or fitting arising from or
occasioned by over running, excessive pressure, short circuiting, arcing self-heating or leakage of
electricity.

5.Incident details.
6. Copy of FIR, Panchanama etc.
7. Copy of estimate loss acknowledged by Police.
8. Any other documents evidences, like newspaper cutting etc. if any.
5.5. Compassionate Visit

5.5.a. Add on - Compassionate Visit Travel
The Company will reimburse actual cost of a round trip economy airfare ticket on a scheduled airline for an
Immediate Family Member of the Insured Person to travel to the place of Hospitalisation where Insured
Person is under Emergency Care due to Illness/ Injury whilst on an Overseas Trip.
Provided that
a) The treating Medical Practitioner advises that the attendance of an Immediate Family Member is
necessary.
b) Insured Person is alone at the place of Hospitalisation and such Hospitalisation is for at least three
(3) continuous days.
c) Such Immediate Family Member’s departure should be within the Hospitalisation period.
d) Such Immediate Family Member’s return journey to country of residence does not commence later
than the actual return date or Cover Period End Date of the Insured Person.

5.Copy of Medical records / Discharge summary.
6.Copy of diagnostic reports/Pathological/Radiological reports, if any.
7.Copy of new Ticket & Boarding Pass of Immediate Family Member
8.Copy of original scheduled itinerary for the Insured Person.
5.5.b. Add on - Compassionate Visit Stay

1. Covered Expenses: means any charges for meals and lodging which were necessarily incurred for
Immediate Family Member at the place of Hospitalization.
Coverage:
The Company will reimburse Covered Expenses for an Immediate Family Member at the place of Insured
Person’s Hospitalisation who is under Emergency Care due to illness/ Injury, whilst on an Overseas Trip.
Provided that
a) The treating Medical Practitioner advises that the attendance of an Immediate Family Member is
necessary.
b) Insured Person is alone at the place of Hospitalisation and such Hospitalisation is for at least three
(3) continuous days.
c) Immediate Family Member is available till discharge of the Insured Person.

2. Copy of passport/Visa with Entry & exit stamp
4.Copy of Ticket & Boarding Pass with original scheduled itinerary and date of booking.
5.Copy of Medical records /discharge summary in case of Hospitalisation / Treating Doctor’s report and
prescription if applicable.
6.Copy of diagnostic reports/Pathological/Radiological reports of the Insured Person.
7. Bills and receipts for accommodation and meals of Immediate Family Member during the compassionate
visit.
8.Copy of new Ticket & Boarding Pass for Immediate Family Member.
5.6 Add on - Bail Bond

The Company will reimburse bail bond costs incurred as a result of false arrest or wrongful detention by any
government or foreign power whilst on an Overseas Trip.

2. Legal Liability of the Insured Person.
3. Amount paid towards bail, surety or guarantee or of similar nature.
4. Fines, penalties, punitive or exemplary damages of any kind.
5. Liability arising from the use of any motor vehicle, aircrafts, watercrafts and other vehicles.
6. Liability which is the subject matter of specific insurance elsewhere.

7. Liability arising out of any infringement of intellectual property rights such as copyrights, patents,
trademarks registered designs and trade secrets.
8. Liability arising from insanity, use or abuse of any intoxicant, alcohol or drugs.
9. Liability arising out of any breach of law or rules or any criminal liability.

5. Full statement of the facts in writing along with Witness statements.
6. Any other documents relevant to the incident, including Summons, Legal Notice etc.
7. Any other information Insured Person would like to share with us.
5.7 Golfers Expenses

5.7.b. Add on - HOLE-IN-ONE
The Company will reimburse amount incurred in celebration of achieving a hole-in-one whilst on an Overseas
Trip, in a United States Golfer’s Association (USGA) recognized Golf course.

5. Certificate/Letter from the Golfers Association and Bills and receipts for the expenses of celebration for
achieving a hole-in-one whilst on an Overseas Trip.
5.8. Add on - Travel with Pet Cover

1. Pet: means a household animal kept for companionship and a person’s enjoyment, as opposed to wild
animals or livestock, laboratory animals, working animals or sport animals and not for the purposes of
commerce or research.
Coverage:
a) The Company will reimburse the expenses of the medical treatment of the Insured Person’s Pet which
is travelling along with the Insured Person, if the Pet suffers any Injury due to an Accident whilst on an
Overseas Trip. It is a condition precedent for admissibility of liability under this Coverage that the Injury
caused to the Insured Person’s Pet must be so disabling as to reasonably cause the Overseas Trip to be
curtailed.
b) The Company will also reimburse the costs for kennel fees for Pets owned and travelling along with the
Insured Person in the event that Insured Person is Hospitalized as Inpatient and this results in a
delayed return for more than 24 consecutive hours at the end of the original pre-booked Overseas Trip,
maximum up to days as mentioned in the Policy Schedule / Certificate of Insurance

1. Facts or matters of which the Insured Person was aware or should have been aware might result in
the curtailment of the journey.
2. Expenses for Costs for Transportation of mortal remains of the Insured Person’s Pet from the place
of death to the Usual Place of Residence of the Insured Person.
3. Pet that has been not validly transported and accommodated in accordance with the rules of Common
Carrier, hotel or other provider of accommodation.

5. Treating Doctor’s report for Insured Person/Pet.
6. Copy of Medical records/discharge summary and Prescription if applicable for Insured Person/Pet.
7. Original Bills/Receipts /Kennel fees for pet.
8. Copy of diagnostic reports/Pathological/Radiological reports, if any for Insured Person/Pet.
9. Copy of Bills of Travel tickets.
10. Original invoice and receipt for accommodation expenses.
11. Copy of new Ticket & Boarding Pass.
5.9. Add on – Terrorism Cover

1. Act of Terrorism means an Act, including but not limited to the use of force or violence and/ or the threat
thereof, of any person or group(s) of Persons whether acting alone or on behalf of or in connection with
any organization(s) or government(s), committed for political, religious, ideological or similar purpose
including the intension to influence any government and/or to put the public, or any section of the public
in fear.
Coverage:
In lieu of payment of additional premium clause no: Section 4- Exclusion 4.A.4 under Policy Wordings stands
deleted
SECTION 3 – ASSISTANCE SERVICES – (applicable to this Policy and Add ons wherever opted for)
The Company will provide the Insured Person with the following Assistance Services as opted:
a. Medical Assistance - As soon as the Assistance Company is notified of a Medical Emergency
resulting from Insured Person’s Accident, the Assistance Company will contact the medical facility
or location where the Insured Person is located and confer with the Medical Practitioner at that
location to determine the best course of action to be taken. If possible and if appropriate, Insured
Person’s Medical Practitioner will be contacted to help arrive at a decision as to the best course of
action to be taken. The Assistance Company will then organize a response to the medical emergency,
doing whatever is appropriate, including, but not limited to, recommending or securing the availability
of services of a local Medical Practitioner and arranging Hospitalisation of the Insured Person
where, in its discretion, deems such Hospitalisation is appropriate.
b. Medical Evacuation - When, in the opinion of the Assistance Company's medical panel, it is judged
medically appropriate to move the Insured Person to another location for treatment or return the
Insured Person to the Insured Person’s Usual Place of Residence, the Assistance Company will
arrange the evacuation, utilizing the means best suited to do so, based on the Emergency Medical
Evacuation of the seriousness of The Insured Person’s condition, and these means may include air
Ambulance, surface Ambulance regular airplane, rail, road or other appropriate means. All decisions
as to the means of Transportation and final destination will be made by the Assistance Company.

c. Repatriation - the Assistance Company agrees to make the necessary arrangements for the return
of Insured Person’s remains to the Insured Person’s Usual Place of residence in the event of the
Insured Person’s death while this service agreement is in effect as to the Insured Person.
d. Legal Assistance - If Insured Person is arrested or are in danger of being arrested as a result of any
non-criminal action resulting from responsibilities attributed to, Assistance Company will, if
required, provide the Insured Person with the name and address of an attorney who can represent
him in any necessary legal matters. (applicable if the specific Add-on Cover has been opted for)
e. Lost / Stolen Luggage and Personal Effects or Lost passport Assistance- the Assistance Company
will assist the Insured Person who has lost the Insured Person’s luggage or passport while traveling
by contacting the appropriate authorities involved and providing directions for recovery. (applicable
if the specific Add-on Cover has been opted for)
f. Lost Travel Document / Credit Card Assistance- In the event of a lost travel document or credit
card, the Assistance Company will assist Insured Person by providing directions on reporting the
loss and requesting for replacement. (applicable if the specific Add-on Cover has been opted for)
g. Emergency Message Transmission Assistance - the Assistance Company shall use its best efforts
to transmit messages or medical information, upon the Insured Person’s request and consent, to the
Insured Person’s friends, Immediate Family Member and/or Business associates.
h. Product & Claims Information Services - the Assistance Company will provide information, in
accordance with a protocol to be mutually agreed, on general Claims procedures and main product
features to the Insured Person, when requested and if available. Should the Assistance Company
not have the information available, the Assistance Company will direct the Insured Person to contact
The Company directly.
i. Emergency Travel Services - to assist the Insured Person by arranging for emergency travel tickets,
replacements of travel tickets and arrangement of hotel accommodation when traveling outside Usual
Place of Residence.
j. Emergency Cash Transfers and Advances – The Assistance Company will arrange for cash
payments to Insured Person through a variety of sources including credit cards, hotels, banks,
consulates and Western Union. The Assistance Company provides this service to supplement the
facilities of Insured Person ‘s Credit Cards. Credit Card transaction performed by the Assistance
Company are subject to confirmed Credit. (applicable if the specific Add-on Cover has been opted for)
Disclaimer of Liability
In all cases the medical professional or any attorney suggested by the Assistance Company shall act in a
medical or legal capacity on behalf of the Insured Person only. The Assistance Company assumes no
responsibility for any Medical Advice or legal counsel given by the medical professional or attorney.
Insured Person shall not have any recourse to the Assistance Company by reason of its suggestion of a
medical professional or attorney or due to any legal or other determination resulting therefrom.
The Insured Person is responsible for the cost of services arranged by the Assistance Company on behalf
of Insured Person or a covered Immediate Family Member. The Assistance Company will access this
Policy and/or other insurance Policy coverages, to which the Insured Person may be entitled, and/or the
Insured Person’s credit cards or other forms of financial guarantees provided by the Insured Person, in
order to facilitate payment for such services.
In case the Company or the Assistance Service Provider fails to provide any of the services as mentioned
in this Policy or is unable to implement , in whole or in part due to Force Majeure , non-availability of
Services, change in law, rule or regulations which effects the Services, or if any regulatory or governmental
agency having jurisdiction over a party takes a position which effects the services , then the Assistance
Services’ suspended, curtailed or limited performance shall not constitute of Breach of Contract and the
Company or the Assistance Service Provider shall have no liability whatsoever including but not limited to
any loss or damage resulting therefrom
SECTION 4 – EXCLUSIONS (Applicable to this Policy and Add-ons wherever opted for)
A. EXCLUSIONS SPECIFIC TO THE POLICY WHICH CAN BE WAIVED OFF BY OPTING FOR AN ADD-ON /
EXTENSION COVER ON PAYMENT OF ADDITIONAL PREMIUM
The Company will not be liable to make any payment for any Claim under the Policy in respect of an Insured
Person, caused by, arising from or in any way attributable to any of the following, except where provided to
the contrary under any Coverage(s) within the Policy:
2. Life threatening Condition due to Pre-existing Disease.
3. Pre-existing Disease or its complication excluding any Life-threatening Condition.
4. Insured Person’s participation in Adventure Sports. for Leisure performed under expert supervision of
trained professional
5. Loss, Damage cost or expense of whatsoever nature caused by, resulting from or in connection with any
Act of Terrorism regardless of any other cause or event contributing concurrently or in any other
sequence to the loss.
6. Loss resulting in or contributed or aggravated or prolonged by childbirth or from pregnancy
7. Maternity expenses within Nine (9) months waiting period within the Policy / Cover Period
8. Vaccinations except post-bite Treatment.
B. STANDARD EXCLUSIONS APPLICABLE TO ALL POLICY AND ADD-ONS

Person, caused by, arising from or in any way attributable to any of the following:
1. The radioactive, toxic, explosive or other dangerous properties of any explosive nuclear equipment or any
part of that equipment.
2. Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from
burning nuclear fuel
3. Losses due to war or any act of war, invasion, act of foreign enemy, civil war, public defense, rebellion,
revolution, insurrection, military or usurped acts, nuclear weapons/materials, Chemical and biological
weapons, Ionizing radiation.
C. EXCLUSIONS SPECIFIC TO THIS POLICY AND ITS ADD-ONS WHICH CANNOT BE WAIVED
Person, caused by, arising from or in any way attributable to any of the following:
1. Where the Insured Person is travelling against the advice of a Medical Practitioner; or receiving or on a
waiting list for receiving specified medical treatment; or is travelling for the purpose of obtaining
treatment; or has received a terminal prognosis for a medical condition.
2. Any Claim occurring in a geographic zone/country which is not specifically covered under the Policy and
is not mentioned in the Policy Schedule/ Certificate of Insurance
3. Suicide, attempted suicide (whether sane or insane) or intentionally self-inflicted Injury or Illness.
4. Certification / diagnosis / Treatment by a family member, or a person who stays with the Insured Person,
or from persons not registered as Medical Practitioners under the respective Medical Councils, or from a
Medical Practitioner who is practicing outside the discipline that he is licensed for, or any diagnosis.
5. Treatment that is not scientifically recognised or Unproven/Experimental treatment, or any form of clinical
trials or any kind of self-medication and its complications.
6. Rest or recuperation at a spa or health resort, sanatorium, convalescence home or institution.
7. Any form of Alternative Treatment: AYUSH Treatment; Hydrotherapy, Acupuncture, Reflexology
Treatment or any other form of indigenous system of medicine.
8. Any expenses incurred in connection to Treatment for general debility, ageing, convalescence, sanatorium
Treatment, rehabilitation measures, private duty nursing, respite care, health resort, rundown
Condition or rest cure.
9. Circumcision unless necessary for Treatment of an Illness or Injury not excluded hereunder or due to an
Accident.
10. Associated expenses for alopecia, baldness, wigs, or toupees and hair fall treatment and products, issue of
medical certificates and examinations as to suitability for employment or travel.
11. Being under the influence of drugs, alcohol, or other intoxicants or hallucinogens unless properly
prescribed by a Medical Practitioner and taken as prescribed.
12. Participation in an actual or attempted felony, riot, crime, misdemeanor, or civil commotion.
13. Operating or learning to operate any aircraft or performing duties as a member of the crew on any aircraft
or Scheduled Airline.
14. Any loss due to the release, dispersal or application of pathogenic or poisonous biological or chemical
materials.
15. External Congenital anomalies or any complications or conditions arising there from.
16. Any Insured Person’s participation in Adventure sports without expert supervision of trained
professional or participation in Professional Sports
17. Insured Person’s actual or willful participation in, an illegal act or any violation or attempted violation of
the law.
18. Any loss caused by osteoporosis (porosity and brittleness of the bones due to loss of protein form the bones
matrix) or pathological fracture (any fracture in an area where Pre-existing Disease has caused the
weakening of the bone) if osteoporosis or bone Disease diagnosed prior to the Policy / Cover Period.
19. Confinement in a Hospital which is not medically necessary..
20. In respect of travel by the Insured Person to any country against whom the Republic of India has imposed
general or special travel restrictions, or against whom it may be imposed such restrictions, or any country
which has imposed or may impose subsequently, such restrictions against travel by a citizen of the
Republic of India to such country.
21. Being under the influence of drugs, alcohol, or other intoxicants.
22. All sexually transmitted diseases including Genital Warts, Syphilis, Gonorrhoea, Genital Herpes, Chlamydia,
Pubic Lice and Trichomoniasis and any condition caused by or associated with them
23. Any non-medical expenses (list enclosed – Annexure I).
SECTION 5 – CLAIM PROCEDURE AND DOCUMENTS

A. Intimation & Assistance
Insured Person can notify a Claim by sending an SMS CLAIMS to 5616181 or by calling The Company’s
24x7 toll free helpline 1800-266 7780 Or email The Company at general.claims@tataaig.com
24-hour Assistance Contact:

1. For the Americas Policies: 1-866-866-2619 (Toll Free within US and Canada) /,+1-817-826-
7017(Reverse charges/collect from other places):e-mail: tata.aig@aig.com
2. For rest of the world policies excluding the Americas: +603-2118-0782 or +603-2118-0784(Toll free
worldwide)
3. e-mail: tgap.tatamedical@tataaig.com
The Company’s Service Center is equipped to provide Insured Person with the necessary guidance in
Insured Person ‘s situation and will direct Insured Person on Claims procedure.
# This is a General Check-list of documents, please check for availability of coverage under the Policy.
Coverage
COVERAGE Documents required
No.
1 Medical Contingencies
1.1 Medical Expenses
Base Cover-Medical Expenses - 1. Claim form duly completed and signed by the
1.1.a Accident and Illness Insured Person
Base Cover-Medical Expenses - 3.Copy of Ticket & Boarding Pass with original
1.1.b Accident Only scheduled itinerary and date of booking.
Extension-Emergency Medical 4 Copy of cancelled cheque/NEFT form
1.2 Evacuation 5. Copy of Medical records/discharge summary in
Extension-Repatriation of Mortal case of Hospitalisation /treating doctor's report and
1.3 Remains Prescription if applicable
Extension-Treatment of Mental and 6. Original Bills/Receipts
1.4 Nervous Disorders 7. Copy of diagnostic
reports/Pathological/Radiological reports, if any
8. Copy of Death Certificate (Repatriation of Remains)
1.5 Base Cover-Hospital Daily Cash 9. Attested Postmortem report / Coroner's report
Extension-Post-Hospitalisation where necessary (Repatriation of Remains)
1.6 expenses 10. Funeral Certificate along with original
Extension-Emergency Dental bills/receipt towards funeral expenses. (Repatriation
1.7 Expense of Remains)
11.Proof that Claim under Coverage 1.1.a. Base cover -
1.8 Well-Being Expenses Medical Expenses – Accident and Illness / or 1.1.b.
Base Cover - Medical Expenses – Accident Only (Base
1.8.a Extension-Outpatient Expenses Cover-Hospital Daily cash, Extension - Post-
Hospitalisation expenses)
1.8.b Extension-Recuperation Expenses
1.8.c Extension-Routine Check-Up

Extension-Pre-Existing Disease Cover
1.9 for a Life Threatening Condition
1.10 Extension-Maternity Expenses

1. Details of the insured Person and his expenses which
has been admitted in Claims applicable under the
above Sections.
2. Confirmation from the Medical Practitioner over
1.11 Extension-Corporate Floater estimated expenses
Extension-Automatic extension of
1.12 Period 1. In addition to Proof submitted under 1.1.a
and / or 1.1.b and / or 1.10, proof from Medical
Practitioner that Continued Treatment is necessary
with estimated no, of days of treatment required
2. The Company / Assistance Company
recommendation that treatment can be done in India
3. Copy of Medical records/discharge summary
in case of hospitalization / treating doctor's report
and Prescription if applicable
4. Original Bills/Receipts
5. Copy of diagnostic
6. Copy of passport/Visa with Entry & exit
stamp
1.13 Extension-Automatic Cover in India 7. Copy of cancelled cheque/NEFT form
2 Personal Accident
2.1 Accidental Death and Dismemberment

1. Claim form duly completed and signed by the
Insured Person
3. Copy of cancelled cheque/NEFT form
Base Cover-Accidental Death & 5. Copy of Medical records/discharge summary in
2.1.a Dismemberment (24 Hours) case of Hospitalisation/treating doctor's report and
Prescription if applicable
6. Original Bills/Receipts
8. Copy of Death Certificate with cause of death
9. Attested Postmortem report / Coroner's report
10. Attested copy of FIR/ Police Inquest report /
Base Cover-Accidental Death & Police Panchanama, where applicable.
Dismemberment (Common Carrier 11. Copy of Ticket & Boarding Pass with original
2.1.b Only) scheduled itinerary
1. Claim form duly completed and signed by the
Insured Person
3. Copy of cancelled cheque/NEFT form
4.Copy of Ticket & Boarding Pass with original
scheduled itinerary and date of booking.
5. Copy of Medical records/discharge summary in
Extension-Permanent Total case of Hospitalisation/treating doctor's report and
2.2 Disability Prescription if applicable.
6. Original Bills/Receipts.
8. Certificate from competent medical authority /
Doctor like Civil Surgeon, confirming the Disability -
percentage of disability/ period and prognosis
9. Attested copy of FIR/ Police Inquest report / Police
Extension-Permanent Partial Panchanama/Medico-legal certificate, where
2.3 Disability applicable
Note: The Company may call for additional documents/ information as relevant.
If any Hospital does not submit a bill to Insured Person for the treatment/service rendered, please intimate
The Company’s Service Center before Insured Person leave the Hospital.
Kindly submit all the requested documents at the address mentioned below:
Claims Department
Tata AIG General Insurance Co. Ltd.,
A-501, 5th Floor, Building No.4,
Infinity Park, Gen. A.K. Vaidya Marg,
Dindoshi, Malad (East)
Mumbai 400 097
B. Claim Notification
It is a condition precedent to The Company’s liability hereunder that notice of Claim must be given by
the Insured Person to The Company within seven (7) days after an actual or potential loss occurs or as
soon as reasonably possible and in any event no later than (30) Days after an actual or potential loss occurs.

The fulfillment of the terms and conditions of this Policy (including payment of premium by the due dates
mentioned in the Policy Schedule / Certificate of Insurance) insofar as they relate to anything to be
done or complied with by the Insured Person(s), including complying with the procedures and
requirements in relation to Claims, shall be Conditions Precedent to The Company liability under this
Policy.
For details on the Claims procedures and requirements or any assistance during the process, The
Company may be contacted at The Company call centre on the toll free number as specified below.
In case of Claim the Insured Person must:

• take immediate steps to protect, save and/or recover the covered property;
• give immediate notice to the carrier or bailee who is or may be liable for the loss or damage;
• notify the police or other appropriate authority in the case of Robbery or Theft within 24 hours.
C. Scrutiny of Claim Documents

The Company / Assistance Company shall scrutinize the Claim and accompanying documents. Any
deficiency of documents shall be intimated to Insured Person
D. Other Claims Requirements:

a. If any Claim is not made within the time period set out in B.Claim notification, The Company
condones such delay on merits only where the delay has been proved to be for reasons beyond the
claimant’s control.
b. The Company representatives must be given all cooperation in investigating the Claim in order to
assess The Company’s liability and quantum in respect of such Claim.
c. If requested by The Company and at The Company’s cost, the Insured Person must submit to
medical examination by The Company nominated Medical Practitioner as often as The Company
consider reasonable and necessary and The Company representatives must be permitted to inspect
the Medical and Hospitalisation records pertaining to the Insured Person’s Injury and treatment
and to investigate the facts surrounding the Claim.
d. The directions, advice and guidance of the treating Medical Practitioner shall be strictly followed.
The Company shall not be obliged to make any payments that are brought about or contributed to as
a consequence or failure to follow such directions, advice or guidance.
E. Claims Payment:
a. The Company shall be under no obligation to make any payment under this Policy unless The
Company have received all premium payments in full and on time in respect of the Insured Person’s
Cover under the In-built Coverage and all applicable Coverages and all payments have been realized.
The Company shall settle or reject a Claim, as the case may be, within 30 days from the date
of receipt of last necessary document.
b. In the case of delay in the payment of a Claim, the Company shall be liable to pay interest from
the date of receipt of last necessary document to the date of payment of Claim at a rate 2%
above the bank rate.
c. However, where the circumstances of a Claim warrant an investigation in the opinion of the
Company, it shall initiate and complete such investigation at the earliest in any case not later than
30 days from the date of receipt of last necessary document. In such cases, the Company shall
settle the Claim within 45 days from the date of receipt of last necessary document.
d. In case of delay beyond stipulated 45 days the company shall be liable to pay interest at a rate
2% above the bank rate from the date of receipt of last necessary document to the date of
payment of Claim.
e. All Claims will be settled in accordance with the applicable regulatory guidelines, including IRDAI
(Protection of Policy holders Interests Regulation), 2017
f. The payment of any Claim under this Coverage will be in Indian Rupees based on the rate of exchange
as on the date of invoice, published by Reserve Bank of India (RBI) and shall be used for conversion of
foreign currency into Indian Rupees for Claims payment. If these rates are not published on the date
of invoice, the exchange rate next published by RBI shall be considered for conversion.
g. Payment of Claims: All payments to be made by the Company shall be paid to Insured Person in the
Policy and such payments shall be subject to the laws and regulations then in effect in the Policy.
h. Admissibility of Claim: any Claim to be admissible under this Policy, the Date of loss should be within
the Policy Period unless otherwise provided.
SECTION 6 – GENERAL TERMS AND CONDITIONS

A. Medical Sub-limit cover:
The Company’s liability under the Coverage 1.1.a. Base Cover - Medical Expenses - Accident and Illness
and / or 1.1.b. Base Cover -Medical Expenses – Accident only and/or 1.2. Extension - Emergency Medical
Evacuation and / or 1.3. Extension - Repatriation of Mortal Remains and/ or 1.11. Extension - Corporate
Floater during a Trip shall be sub limited basis one or combination of the following as mentioned in the Policy
Schedule / Certificate of Insurance.
• Age of the Insured Person
• Any one Illness / Injury or both
• Geographical cover
• Disease category
• Pre-existing Disease
• Per Claim
• Any one event
• Sum Insured sub-limits –
a. Medically Necessary charges towards Hospital Room and Boarding, Intensive Care Unit,
Surgery
b. Diagnostic tests towards diagnostic methods necessary for the treatment of the Insured
Person
c. Ambulance service
In case of multiple parameters opted for sub-limits in same Claim, then lower value of the sub-limit shall
apply.
B. Medical Tests:
Cost of medical tests (if required) need to be borne by the proposer. Proposals based on their age will be
advised on pre acceptance Medical Tests
C. Condition Precedent:
Condition Precedent means a Policy term or condition upon which the Company’s liability under the Policy
is conditional upon.
The fulfilment of the terms and conditions of this Policy/Certificate of Insurance (including the payment of
premium by the due dates mentioned in the Schedule/ Certificate of Insurance) insofar as they relate to
anything to be done or complied with by Insured Person shall be conditions precedent to the Company’s
liability.
D. Entire contract:
This Policy, its Schedule, Certificate of Insurance, endorsement(s), proposal/enrolment form constitutes the
entire contract of insurance. No change in this Policy / Certificate of Insurance shall be valid unless approved
by the Company and such approval be endorsed hereon.
This Policy and the Schedule/Certificate of insurance shall be read together as one contract and any word or
expression to which a specific meaning has been attached in any part of this Policy or of the Policy Schedule
/ Certificate of Insurance shall bear such meaning wherever it may appear.
E. Group Policyholder

The Group Policyholder shall take all reasonable steps to cover their members for whom coverages have
been offered by the Company and ensure timely receipt of premium by the Company in respect of each of
the members covered. The Group Policyholder will neither charge more premium nor alter the scope of
coverage offered under this Policy.
This Policy will be issued to the Group Policyholder and Certificates will be issued to individual members
wherever applicable.
The Company reserves the right to inspect the record at any time to ensure that terms and condition of Group
policy and provisions of IRDAI group guidelines contained in Circular Ref: 015/IRDA/Life / Circular / GI
Guidelines / 2005 and any amendments thereto are being adhered. The Company may also require
submission of Certificate of compliance from the Auditors of Group Policyholder
The Group Policyholder will ensure compliance of Guidelines as prescribed by IRDAI from time to time
including but not limited to - Circular Ref: 015/IRDA/Life / Circular / GI Guidelines / 2005
F. Fraud:
The Company will not be liable to pay under the Policy if any Claim is in any manner dishonest or fraudulent
or is supported by any dishonest or fraudulent means or devices, whether by Policyholder or any Insured
Person or anyone acting on behalf of Policyholder or an Insured Person.
In the event of fraud done by a primary member/his dependents, in case of employer-employee / non employer
- employee policies, the coverage in respect of that Insured Person and his dependents shall be terminated
and there shall be no refund of Insured Person’s premium. Subsequent to this, such Insured person/s shall
not be covered even during Renewals.
G. Mis-representation or non-disclosure of material facts:

In case of employer-employee policies, if any mis-representation or non-disclosure of material facts or
incorrect coverage or Claim experience information provided at the time of request for proposal, the Policy
shall be void ab-initio without any premium refund.
In case of non-employer-employee policies, the Company will not be liable to pay under the Policy if any Mis-
representation or non-disclosure of material facts is noted at the time of Claim or otherwise, whether by
Policyholder or any Insured Person or anyone acting on behalf of Policyholder or any Insured Person, and
Certificate of Insurance shall be void ab-initio without any premium refund.
H. Other Insurance:
If at the time when any Claim is made under this Policy, the Insured Person has two or more policies from
one or more Insurers to indemnify treatment cost, which also covers any Claim (in part or in whole) being
made under this Policy, then the Insured Person shall have the right to require a settlement of such Claim in
terms of any of Insured Person’s policies.
The insurer so chosen by the Insured Person shall settle the Claim, as long as the Claim is within the limits of
and according to terms of the chosen Policy.
Provided further that, If the amount to be claimed under the Policy chosen by Insured Person, exceeds the
Sum Insured under a single Policy after considering the Deductibles or co-pay (if applicable), the Insured
Person shall have the right to choose the insurers by whom Claim is to be settled.
The Insured Person has also had the right to prefer Claims under the Policy chosen by the Insured Person
for amounts disallowed under the earlier chosen Policy(ies) even if the Sum Insured is not exhausted
I. Renewal conditions:
The Policy may be renewed with The Company’s consent. The Coverages under the policy or/and the terms
and conditions of the Policy, including premium rate may be subject to change.
The Policy will be renewable provided premium has been paid on or before the Renewal due date.
The Company, however, is not bound to give notice that it is due for Renewal. Unless renewed as herein
provided, this Policy shall terminate at the Policy / Cover Period End Date for which premium has been paid.
J. Withdrawal:
In the likelihood of this product being withdrawn in future, the Company will intimate Policyholder/Insured Person
about the same atleast 3 months prior to expiry of the Policy/Certificate of Insurance .
K. Notices:
Any notice, direction or instruction under this Policy shall be in writing and if it is to:
• Any Insured Person, then it shall be sent to Policyholder / Insured Person at Policyholder /
Insured Person’s address specified in the Policy Schedule / Certificate of Insurance to this Policy
Schedule / Certificate of Insurance and Policyholder / Insured Person shall act for all Insured
Persons for these purposes.
• The Company, it shall be delivered to The Company’s address specified in the Policy Schedule
/ Certificate of Insurance. No insurance agents, brokers or other person or entity is authorised to
receive any notice, direction or instruction on The Company’s behalf unless the Company have
expressly stated to the contrary in writing.
L. About Period including Extension:

In no event Coverages will be provided to Insured Person by the Company after Policy / Cover Period End
Date or completion of Trip / Overseas Trip whichever is earlier.
If Insured person’s Overseas trip is extended solely due to delay of Public Transport and beyond the
control of the Insured Person and recommended by the Company/ Assistance Company, then the
Company will continue to provide the Coverages under this Policy/Certificate of Insurance for a period not
exceeding 7 days beyond Policy Period End Date/Cover Period End Date however the Company shall not
be liable for any Claims arising under Coverage 1. Medical Contingencies during such extension.
Policyholder/Insured Person can extend the Cover Period under a specific Certificate of Insurance prior
to its expiry date subject to The Company’s Underwriting Guidelines and no Claim being reported under such
Certificate of Insurance, provided that the additional premium for such extension is received before Cover
Period End Date.
Extension in Cover Period is applicable only in Single Trip Policies subject to the total Cover Period including
extension not exceeding 365 days.
If the Insured Person has travelled for the purpose of migration, then coverage shall be available only for 60
days from Trip Start Date subject to Cover / Policy Period End Date.
If the Insured Person is already outside India and his Policy Schedule/Certificate of Insurance is insured
with the Company without any break then in such circumstances the requirement of Trip Commencement
from India is waived.
M. Alterations in the Policy:

This Policy constitutes the complete contract of insurance. No change or alteration will be effective or valid
unless approved in writing which will be evidenced by a written endorsement, signed and stamped by The
Company.

N. Policy Currency: All payments under this Policy will only be made in Indian Currency.
O. Cancellation/Termination of the Policy:

Single Trip:
Any Policy / Certificate of Insurance issued under a Single Trip Policy or its extension are non-cancellable
and non-refundable after the commencement of Trip or if any Claim has been lodged under such Policy /
Certificate of Insurance
In the event of Cancellation of Policy /Certificate of Insurance prior to commencement of Trip, the Company
will deduct INR 200/-(Rupees Two Hundred only) towards cancellation charges before refunding the premium
amount, subject to there being no Claim made under the Certificate of Insurance. However in Policies where
the following Coverages are opted no Premium will be refunded:
3.10 Add-on -Fare Lock, 3.11 Add-on -Fare Dip, 3.17 Add -on -Visa Rejection.
Annual Multi Trip:

Any Policy / Certificate of Insurance issued under Annual Multi Trip Policy are non-cancellable and non-
refundable if any Claim has been lodged under such Policy / Certificate of Insurance.
a. In the event of Cancellation of Policy /Certificate of Insurance prior to commencement of Policy /
Cover, the Company will deduct INR. 200/-(Rupees Two Hundred only) towards cancellation charges
before refunding the premium amount, subject to there being no Claim made under the
Policy/Certificate of Insurance.
b. If Insured Person cancels the Policy / Certificate of Insurance after Policy/Cover Start date, the
refund premium shall be computed in accordance with short rate table as mentioned below.
Short rate table -

Period on risk % Refund Premium
Up to 1 month 3/4th of the annual rate
Up to 3 months ½ of the annual rate
Up to 6 months 1/4th of annual rate
Exceeding 6 months Nil
In the event the Policy/Certificate of insurance is terminated on grounds of non-cooperation of the Insured
Person the premium shall be computed in accordance with short rate table for the period the Policy has been
in force, upon 15 days notice by sending an endorsement to Insured Person address shown in the Schedule
provided no claim has occurred up to the date of termination. In the event a claim has occurred in which case
there shall be no return of premium.
P. Person Records to be maintained

The Policyholder/ Insured Person shall keep an accurate record containing all relevant medical records and
shall allow The Company or its representative(s) to inspect such records. The Policyholder/ Insured
Person shall furnish such information as The Company may require under this Policy at any time during the
Policy /Cover Period and up to three years after the Policy expiration, or until final adjustment (if any) and
resolution of all Claims under this Policy.
Q. Arbitration:
If any dispute or difference shall arise as to the quantum to be paid by the Policy, (liability being otherwise
admitted) such difference shall independently of all other questions, be referred to the decision of a sole
arbitrator to be appointed in writing by the parties here to or if they cannot agree upon a single arbitrator
within thirty days of any party invoking arbitration, the same shall be referred to a panel of three arbitrators,
comprising two arbitrators, one to be appointed by each of the parties to the dispute/difference and the third
arbitrator to be appointed by such two arbitrators and arbitration shall be conducted under and in

accordance with the provisions of the Arbitration and Conciliation Act 1996, as amended by Arbitration and
Conciliation (Amendment) Act, 2015 (No. 3 of 2016).
It is clearly agreed and understood that no difference or dispute shall be preferable to arbitration as herein
before provided, if the Company has disputed or not accepted liability under or in respect of the policy.
It is hereby expressly stipulated and declared that it shall be a condition precedent to any right of action or
suit upon the policy that award by such arbitrator/arbitrators of the amount of expenses shall be first
obtained.
R. Subrogation:
Unless specifically and separately stated in the schedule, the Policyholder/Insured Person and any claimant
under this Policy shall at the expense of the Company do and concur in doing and permit to be done all such
acts and things that may be necessary or reasonably required by the Company for the purpose of enforcing
any right and remedies or obtaining relief or indemnity from other parties to which the Company shall be or
would become entitled or subrogated upon the Company paying for or making good any loss or damage under
this Policy whether such acts and things shall be or become necessary or required before or after the
Policyholder’s/Insured Person’s indemnification by the Company.
This clause will not be applicable to covers related to Coverage 1- Medical Contingencies and Coverage 2-
Personal Accident and their related Extensions..
S. Complete discharge
Payment made by The Company to the Policyholder/ adult Insured Person or the Nominee or to the
Hospital, as the case may be, of any Medical Expenses or Compensation or benefit under the Policy shall in
all cases be complete and construe as an effectual discharge in favour of The Company.
T. Dispute Resolution Clause

Any and all disputes or differences under or in relation to this Policy shall be determined by the Indian Courts
and subject to Indian law.
SECTION 7 – GRIEVANCE LODGEMENT STAGE

The Company is committed to extend the best possible services to its customers. However, if the Insured
Person is not satisfied with The Company’s services and wish to lodge a complaint, please feel free to contact
The Company through below channels:
Call The Company 24X7 toll free helpline 1800 266 7780 or 1800 22 9966 (Senior Citizen) Email The
Company at customersupport@tataaig.com
Write to The Company at: Customer Support, Tata AIG General Insurance Company Limited
A-501 Building No. 4 IT Infinity Park, Dindoshi, Malad (E), Mumbai - 400097
Visit the Servicing Branch mentioned in the Policy document
Level 1
For lack of a response or if the resolution still does not meet Insured Person ‘s expectations, Insured Person
can write to manager.customersupport@tataaig.com. After investigating the matter internally and subsequent
closure, The Company will send response within a period of 8 days from the date of receipt of Insured
Person‘s complaint.
Escalation Level 2
For lack of a response or if the resolution still does not meet Insured Person ‘s expectations, Insured Person
can write to the Head-Customer Services at head.customerservices@tataaig.com. After examining the matter,
The Company will send Insured Person The Company’s response within a period of 7 days from the date of
receipt of Insured Person ‘s complaint. Within 30 days of lodging a complaint with us, if Insured Person do
not get a satisfactory response from The Company and Insured Person wish to pursue other avenues for
redressal of grievances, Insured Person may approach Insurance Ombudsman appointed by IRDA of India
under the Insurance Ombudsman Scheme. Given below are details of the Insurance Ombudsman located at
various centers.
Nodal Officer
Please visit The Company’s website at www.tataaig.com to know the contact details of the nodal officer for
Insurer’s servicing branch.
Grievance Redressal Procedure:
Office Details Address & Contact details Jurisdiction of Office Date of Taking
Union Territory, District) Charge
AHMEDABAD - Sh Office of the Insurance Ombudsman, Gujarat,
ri Kuldip Singh Jeevan Prakash Building, 6th floor, Dadra & Nagar Haveli,
Tilak Marg, Relief Road, Daman and Diu.
Ahmedabad – 380 001. 03/10/2019
Tel.: 079 - 25501201/02/05/06
Email: bimalokpal.ahmedabad@ecoi.co.in
BENGALURU - Sm Office of the Insurance Ombudsman, Karnataka.
t. Neerja Shah Jeevan Soudha Building No. 57-27-N-19
Ground Floor, 19/19, 24th Main Road,
JP Nagar, Ist Phase, 23/04/2018
Bengaluru – 560 078.
Tel.: 080 - 26652048 / 26652049
Email: bimalokpal.bengaluru@ecoi.co.in
BHOPAL - Shri Office of the Insurance Ombudsman, Madhya Pradesh
Guru Saran Janak Vihar Complex, 2nd Floor, Chattisgarh.
Shrivastava 6, Malviya Nagar, Opp. Airtel Office,
Near New Market, 24/05/2018
Bhopal – 462 003.
Tel.: 0755 - 2769201 / 2769202
Fax: 0755 - 2769203
Email: bimalokpal.bhopal@ecoi.co.in
BHUBANESHWAR Office of the Insurance Ombudsman, Orissa.
- Shri Suresh 62, Forest park,
Chandra Panda Bhubneshwar – 751 009.
Tel.: 0674 - 2596461 /2596455 11/09/2019
Fax: 0674 - 2596429
Email: bimalokpal.bhubaneswar@ecoi.co.in
CHANDIGARH - Office of the Insurance Ombudsman, Punjab,
Dr. Dinesh Kumar S.C.O. No. 101, 102 & 103, 2nd Floor, Haryana,
Verma Batra Building, Sector 17 – D, Himachal Pradesh,
Chandigarh – 160 017. Jammu & Kashmir, 16/04/2018
Tel.: 0172 - 2706196 / 2706468 Chandigarh.
Fax: 0172 - 2708274
Email: bimalokpal.chandigarh@ecoi.co.in
CHENNAI - Shri Office of the Insurance Ombudsman, Tamil Nadu,
M. Vasantha Fatima Akhtar Court, 4th Floor, 453, Pondicherry Town and
Krishna Anna Salai, Teynampet, Karaikal (which are part of
CHENNAI – 600 018. Pondicherry). 03/05/2018
Tel.: 044 - 24333668 / 24335284
Fax: 044 - 24333664
Email: bimalokpal.chennai@ecoi.co.in
DELHI - Shri Office of the Insurance Ombudsman, Delhi
Sudhir Krishna 2/2 A, Universal Insurance Building,
12/09/2019
Asaf Ali Road,
New Delhi – 110 002.
Tel.: 011 - 23232481/23213504
Email: bimalokpal.delhi@ecoi.co.in
GUWAHATI - Shri Office of the Insurance Ombudsman, Assam,
Kiriti .B. Saha Jeevan Nivesh, 5th Floor, Meghalaya,
Nr. Panbazar over bridge, S.S. Road, Manipur,
Guwahati – 781001(ASSAM). Mizoram, 02/05/2018
Tel.: 0361 - 2632204 / 2602205 Arunachal Pradesh,
Email: bimalokpal.guwahati@ecoi.co.in Nagaland and Tripura.
Office of the Insurance Ombudsman, Andhra Pradesh,
HYDERABAD - 6-2-46, 1st floor, "Moin Court", Telangana,
Shri I. Suresh Lane Opp. Saleem Function Palace, Yanam and
Babu A. C. Guards, Lakdi-Ka-Pool, part of Territory of Pondicherry. 11/06/2018
Hyderabad - 500 004.
Tel.: 040 - 67504123 / 23312122
Fax: 040 - 23376599
Email: bimalokpal.hyderabad@ecoi.co.in
JAIPUR - Smt. Office of the Insurance Ombudsman, Rajasthan
Sandhya Baliga Jeevan Nidhi – II Bldg., Gr. Floor,
Bhawani Singh Marg,
Jaipur - 302 005. 13/04/2018
Tel.: 0141 - 2740363
Email: Bimalokpal.jaipur@ecoi.co.in
ERNAKULAM - Office of the Insurance Ombudsman, Kerala,
Ms. Poonam 2nd Floor, Pulinat Bldg., Lakshadweep,
Bodra Opp. Cochin Shipyard, M. G. Road, Mahe-a part of Pondicherry.
Ernakulam - 682 015. 07/11/2018
Tel.: 0484 - 2358759 / 2359338
Fax: 0484 - 2359336
Email: bimalokpal.ernakulam@ecoi.co.in
KOLKATA - Shri P. Office of the Insurance Ombudsman, West Bengal,
K. Rath Hindustan Bldg. Annexe, 4th Floor, Sikkim,
4, C.R. Avenue, Andaman & Nicobar Islands.
KOLKATA - 700 072. 30/09/2019
Tel.: 033 - 22124339 / 22124340
Fax : 033 - 22124341
Email: bimalokpal.kolkata@ecoi.co.in
LUCKNOW -Shri Office of the Insurance Ombudsman, Districts of Uttar Pradesh :
Justice Anil 6th Floor, Jeevan Bhawan, Phase-II, Laitpur, Jhansi, Mahoba, Hamirpur,
Kumar Srivastava Nawal Kishore Road, Hazratganj, Banda, Chitrakoot, Allahabad,
Lucknow - 226 001. Mirzapur, Sonbhabdra, Fatehpur, 11/09/2019
Tel.: 0522 - 2231330 / 2231331 Pratapgarh, Jaunpur,Varanasi,
Fax: 0522 - 2231310 Gazipur, Jalaun, Kanpur, Lucknow,
Email: bimalokpal.lucknow@ecoi.co.in Unnao, Sitapur, Lakhimpur,
Bahraich, Barabanki, Raebareli,
Sravasti, Gonda, Faizabad, Amethi,
Kaushambi, Balrampur, Basti,
Ambedkarnagar, Sultanpur,
Maharajgang, Santkabirnagar,
Azamgarh, Kushinagar, Gorkhpur,
Deoria, Mau, Ghazipur, Chandauli,
Ballia, Sidharathnagar.
MUMBAI - Shri Office of the Insurance Ombudsman, Goa,

Milind A. Kharat 3rd Floor, Jeevan Seva Annexe, Mumbai Metropolitan Region
S. V. Road, Santacruz (W), excluding Navi Mumbai & Thane.
Mumbai - 400 054. 04/05/2018
Tel.: 022 - 26106552 / 26106960
Fax: 022 - 26106052
Email: bimalokpal.mumbai@ecoi.co.in
NOIDA - Shri Office of the Insurance Ombudsman, State of Uttaranchal and the
Chandra Shekhar Bhagwan Sahai Palace following Districts of Uttar
Prasad 4th Floor, Main Road, Pradesh:
Naya Bans, Sector 15, Agra, Aligarh, Bagpat, Bareilly,
Distt: Gautam Buddh Nagar, Bijnor, Budaun, Bulandshehar,
17/09/2019
U.P-201301. Etah, Kanooj, Mainpuri, Mathura,
Tel.: 0120-2514250 / 2514252 / 2514253 Meerut, Moradabad,
Email: bimalokpal.noida@ecoi.co.in Muzaffarnagar, Oraiyya, Pilibhit,
Etawah, Farrukhabad, Firozbad,
Gautambodhanagar, Ghaziabad,
Hardoi, Shahjahanpur, Hapur,
Shamli, Rampur, Kashganj,
Sambhal, Amroha, Hathras,
Kanshiramnagar, Saharanpur.
PATNA - Shri N. K. Office of the Insurance Ombudsman, Bihar,
Singh 1st Floor,Kalpana Arcade Building, Jharkhand.
09/10/2019
Bazar Samiti Road,
Bahadurpur,
Patna 800 006.
Tel.: 0612-2680952
Email: bimalokpal.patna@ecoi.co.in
PUNE - Shri Vinay Office of the Insurance Ombudsman, Maharashtra,
Sah Jeevan Darshan Bldg., 3rd Floor, Area of Navi Mumbai and Thane
03/12/2019
C.T.S. No.s. 195 to 198, excluding Mumbai Metropolitan
N.C. Kelkar Road, Narayan Peth, Region.
Pune – 411 030.
Tel.: 020-41312555
Email: bimalokpal.pune@ecoi.co.in
Prohibition of Rebates - Section 41 of the Insurance Act, 1938 as amended by Insurance Laws (Amendment)
Act, 2015.
1. No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to
take out or renew or continue an insurance in respect of any kind of risk relating to lives or property
in India, any rebate of the whole or part of the commission payable or any rebate of the premium
shown on the Policy, nor shall any person taking out or renewing or continuing a Policy accept any
rebate, except such rebate as may be allowed in accordance with the published prospectuses or tables
of the insurer.
2. Any person making default in complying with the provisions of this section shall be liable for a penalty
which may extend to ten lakh rupees.

Insurance is the subject matter of the solicitation”. Please read the Policy wordings carefully before concluding
the sale.
Annexure I
List I – Excluded Items
SI
Item
No
1 BABY FOOD
2 BABY UTILITES CHARGES
3 BEAUTY SERVICES
4 BELTS/ BRACES
5 BUDS
6 COLD PACK/HOT PACK
7 CARRY BAGS
8 EMAIL / INTERNET CHARGES
9 FOOD CHARGES (OTHER THAN PATIENT's DIET PROVIDED BY HOSPITAL)
10 LEGGINGS
11 LAUNDRY CHARGES
12 MINERAL WATER
13 SANITARY PAD
14 TELEPHONE CHARGES
15 GUEST SERVICES
16 CREPE BANDAGE
17 DIAPER OF ANY TYPE
18 EYELET COLLAR
19 SLINGS
20 BLOOD GROUPING AND CROSS MATCHING OF DONORS SAMPLES
21 SERVICE CHARGES WHERE NURSING CHARGE ALSO CHARGED
22 TELEVISION CHARGES
23 SURCHARGES
24 ATTENDANT CHARGES
25 EXTRA DIET OF PATIENT (OTHER THAN THAT WHICH FORMS PART OF BED CHARGE)
26 BIRTH CERTIFICATE
27 CERTIFICATE CHARGES
28 COURIER CHARGES
29 CONVENYANCE CHARGES

30 MEDICAL CERTIFICATE
31 MEDICAL RECORDS
32 PHOTOCOPIES CHARGES
33 MORTUARY CHARGES
34 WALKING AIDS CHARGES
35 OXYGEN CYLINDER (FOR USAGE OUTSIDE THE HOSPITAL)
36 SPACER
37 SPIROMETRE
38 NEBULIZER KIT
39 STEAM INHALER
40 ARMSLING
41 THERMOMETER
42 CERVICAL COLLAR
43 SPLINT
44 DIABETIC FOOTWEAR
45 KNEE BRACES (LONG/ SHORT/ HINGED)
46 KNEE IMMOBILIZER/SHOULDER IMMOBILIZER
47 LUMBO SACRAL BELT
48 NIMBUS BED OR WATER OR AIR BED CHARGES
49 AMBULANCE COLLAR
50 AMBULANCE EQUIPMENT
51 ABDOMINAL BINDER
52 PRIVATE NURSES CHARGES- SPECIAL NURSING CHARGES
53 SUGAR FREE TABLETS
54 CREAMS POWDERS LOTIONS (TOILETRIES ARE NOT PAYABLE, ONLY PRESCRIBED MEDICAL
PHARMACEUTICALS PAYABLE)
55 ECG ELECTRODES
56 GLOVES
57 NEBULISATION KIT
58 ANY KIT WITH NO DETAILS MENTIONED [DELIVERY KIT, ORTHOKIT, RECOVERY KIT, ETC]
59 KIDNEY TRAY
60 MASK
61 OUNCE GLASS
62 OXYGEN MASK
63 PELVIC TRACTION BELT
64 PAN CAN
65 TROLLY COVER
66 UROMETER, URINE JUG

67 AMBULANCE
68 VASOFIX SAFETY
69 ANY MEDICAL INSTRUMENTS / APPLIANCES FOR EXTERNAL USAGE


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GROUP OVERSEAS TRAVEL GUARD

TATA AIG General Insurance Company Limited

TATA AIG General Insurance Company Limited

TATA AIG General Insurance Company Limited

TATA AIG General Insurance Company Limited

TATA AIG General Insurance Company Limited

1.1 Medical Expenses

1.1.a. Base Cover - Medical Expenses – Accident and Illness

Exclusions Specific to this coverage:

1.1.b. Base Cover - Medical Expenses – Accident Only

Exclusions Specific to this coverage:

1.2 Extension - Emergency Medical Evacuation

1.3 Extension - Repatriation of Mortal Remains

1.4 Extension - Treatment of Mental and Nervous Disorders

TATA AIG General Insurance Company Limited

1.5 Base Cover - Hospital Daily Cash

Exclusions Specific to this coverage:

1.6 Extension - Post-Hospitalization expenses

1.7 Extension - Emergency Dental Expense

Exclusions Specific to this coverage:

1.8 Well-being Expenses

1.8.a. Extension - Outpatient Expenses

Exclusions Specific to this coverage:

1.8.b. Extension - Recuperation Expenses

1.8.c. Extension - Routine Check-Up

Package 1. Pathological / Diagnostic Tests

1.9 Extension - Pre-Existing Disease Cover for a Life-Threatening Condition

1.10 Extension - Maternity Expenses

Maternity expenses shall include-

TATA AIG General Insurance Company Limited

1.11 Extension - Corporate Floater

1.12 Extension - Automatic Extension of Period

TATA AIG General Insurance Company Limited

1.13 Extension - Automatic Cover in India

2.1.a. Base Cover - Accidental Death and Dismemberment (24 hours)

“Loss” with regard to

“Loss” with regard to

2.2. Extension - Permanent Total Disability

2.3. Extension - Permanent Partial Disability

TATA AIG General Insurance Company Limited

“Loss” with regard to:

Exclusions Specific to this Coverage 2 – Personal Accident:

TATA AIG General Insurance Company Limited

3.1 Add on - Flight Delay

Exclusions Specific to this coverage:

Claims documentation specific to this Coverage:

3.2 Add on- Trip Cancellation

TATA AIG General Insurance Company Limited

Exclusions Specific to this coverage:

Claims documentation specific to this Coverage:

3.3 Add on-Missed Connection

Claims documentation specific to this Coverage:

3.4 Add on - Trip Interruption

Claims documentation specific to this Coverage:

TATA AIG General Insurance Company Limited

3.5 Loss of Document

Definitions specific to this coverage:

Exclusions Specific to this coverage:

Claims documentation specific to this Coverage: