FAQS. Travel Insurance

  Q.  What is trip insurance?
Trip insurance is used to help alleviate some of the financial loss that may be incurred because your trip is interrupted, delayed, or canceled by unforeseen events.
  Q.  What is travel insurance?
Travel insurance usually provides broader coverage than just trip insurance alone. In addition to providing trip insurance for trip delays, trip interruptions, trip cancellations and related problems, it may also cover additional travel-related expenses such as those incurred for medical and health emergencies that may arise during your trip.

Some plans also provide services such as travel-related advice, evacuation to your home or hospital in case of a medical emergency, emergency cash or help in the event of the loss or theft of your money, valuables or travel documents.
  Q.   Why do I need Travel Insurance?
      One usually travels abroad for three reasons- a pleasure trip ,a business trip or a study trip. You do not want anything to ruin your hard earned holiday or your crucial business meeting. But there is a possibility of some unexpected occurrence no matter how perfect the planning is. Unfortunate events such as baggage loss, passport loss, a medical emergency or an accident can affect you. Having overseas travel insurance protects you from all such perils. It ensures that in the unknown foreign land you are not left stranded in any kind of an emergency.
   Q.  When does the cover begin?
The insurance cover commences on the day specified in the policy schedule or the time you board the conveyance to leave for onward overseas journey or the contracted departure date as per the policy, whichever is later.
  Q.  What kind of coverage are included in travel insurance?
There are many variations of travel insurance plans. Some typical coverage's include the following:
1. Coverage for vacation and trip cancellation
2. Coverage for travel interruptions, delays and cancellations
3. Coverage for missed connections
4. Coverage for medical emergency, dental emergency, other health-related expenses (often including medical evacuation coverage)
5. Coverage for expenses due to lost or delayed baggage
6. Coverage for accidental death or dismemberment.
If you purchase travel insurance, you should examine what is covered under your own plan.
  Q.  Till when is the policy valid?
Insurance cover shall terminate (i) with the end of insurance period i.e. the period for which the premium has been paid or (ii) when the insured person first disembarks on return to India although insurance companies provide the benefit of automatic extension of the policy if the completion of the insured journey is delayed solely because of a failure of public transportation or other services upon which the insured was reliant.
  Q.  What is not covered?  Back to top
What is not covered can be as important as what is covered. It is recommended that you examine your coverage carefully and learn what is not covered. For example:
1. Cancellation for war is probably not covered
2. Cancellation for terrorism may be covered if your destination has experienced recent (often within 30 days) terror attacks
3. Cancellation because of bad weather is likely to be covered only if the weather is extremely threatening. If airlines have stopped flying to the area, for example.
4. Cancellation because of an outbreak of disease will likely not be covered.
  Q.  In case medical treatment is required, is there any need for any pre-approval before hospitalization?
You would need to contact insurer’s third party administrator and they would arrange for the cashless claims for the medical treatment. In case cashless facility is denied for whatsoever reason may be, you can still apply for the reimbursement of your medical bills.
Q. What is an Immigrant Visa?
An immigrant visa is required for anyone who wishes to enter a country to reside there permanently. To receive an immigrant visa, one has to meet certain requirements usually in education, family or work field, depending on the immigration laws of that particular country.
   Q. What is a TPA?  Back to top
TPA stands for Third Party Administrator. The most essential service they provide is cashless medical services. They also provide the necessary information to deal with any problem regarding claims.
Q. What is the minimum duration for which insurance can be purchased?
 The minimum duration varies for different insurance plans.
What if I loose my baggage how do I claim?
TPA has to be contacted to register the claim. You will have to submit the loss baggage claim form along with the supporting documents from the airline.
  Q.  What is coverage for medical evacuation or repatriation?
Medical evacuation benefits provide for transportation to a medical facility that can provide appropriate care in the event of serious injury or sickness that cannot be adequately dealt with at the location where the illness or accident took place.

Medical repatriation benefits come into play when physicians deem it medically necessary for you to be returned to your home or to a hospital or other medical facility near your home. Transportation and possibly some related costs are likely to be covered.
  Q.  Do I need to take travel insurance each time I make a trip or is one policy valid for multiple trips made over a period of time?
You can either choose a Single Trip or Multiple Trip policy. If you choose a single trip policy, the cover will be valid for the duration of the specific trip, (as selected by you). If you choose a multiple trip policy, the cover will be valid for one year from the start date of the policy. The maximum duration per trip under this option can be 30, 45, 60, days or 90 days (as selected by you, which may vary from company to company).
  Q.  Are pre-existing conditions a problem?  Back to top
Yes, this is a frequent problem area. You should be sure you understand what your policy says about pre-existing conditions beforehand if you have any medical conditions.
Unstable pre-existing conditions that may flare up during your trip are generally not covered. But, some premium plans include a feature that will cover a sudden recurrence of a pre-existing condition. What constitutes a pre-existing condition varies from policy to policy.
Some travel insurance policies will waive exclusions (i.e. they will cover pre-existing conditions) if you buy your insurance close to the time (often within a couple of weeks) that you paid for your trip.
Again, it is recommended that you know how your particular policy handles pre-existing conditions so you know what to expect. For example, many cruise line policies do not cover pre-existing conditions.
  Q.  When will benefits not be payable?
Typically, benefits will not be paid if the losses result from occurrences such as:
1. Self inflicted injuries or suicide
2. War or military training
3. Participating in racing or dangerous sports
4. Learning to pilot an aircraft
5. Participating in illegal activities
6. Receiving medical or dental treatments
7. Childbirth
8. Intoxication or use of drugs.
  Q.  If I am planning to make several trips in the next year should I buy coverage each time?
If you travel frequently for business or other reasons, you may be able to save money by buying a yearly policy instead of per trip policies.
  Q.  What does airline travel delay insurance cover?  Back to top
If you are delayed for more than a stipulated number of hours because of events described in your policy, such as common carrier delays, traffic accidents, weather conditions, lost or stolen money or travel documents, natural disasters, terrorism, etc., you will be paid the benefits provided by your policy.

These benefits will usually include money to help you to return home or rejoin your trip. They may also include compensation for any unused and non-refundable portion of your trip.
  Q.  What should I do if I get my travel insurance policy and then decide it is not right for me?
Most travel policies have a “free look” period during which you have the right to change your mind and cancel the coverage.
Q. Is the sum insured mentioned under each category applicable to all members travelling on the policy and is there any restriction on number of claims?
The sum insured as mentioned in the policy schedule is for each travelling member. For e.g.. If there are 3 family members travelling under a single Gold Plan policy, each of them will be covered for a SI of $200,000 under the Accident & Sickness benefit. Also this limit of $200,000 is per accident which means that the limit gets topped up once a claim is settled. For e.g. If Individual A has had an accident and had filed a claim for $10,000, in the event of another sickness claims he/she will be eligible for $200,000 in full and the same will not be deducted from the $10,000 already claimed under the first claim. However the deductible of $100 will be applicable for a single claim/incident There is no restriction on the number of claims per person in the policy period
Q. What are the average costs of medical treatment abroad? Please refer to the table for average costs of medical treatment abroad in the U.S. vis-a-vis India.
TREATMENT INDIA US
Heart Surgery (Valve Replacement) Rs.250,000  -  Rs.300,000 Rs.15,40,000
Bone Marrow Transplant Rs.33,10,000 Rs.1,20,00,000
Liver Transplant Rs.33,10,000 Rs.1,44,00,000
Orthopedic Surgery Rs.280,000 Rs.960,000
Cataract Surgery Rs.60.000 Rs.69,000
Open Heart Surgery (CABG) Rs.240,000   -  Rs.480,000 Rs.72,00,000
Neuro Surgery with Hypothermia Rs.312,000 Rs.10,00,000
Spine Surgery Rs.100,000    -  Rs.300,000 Rs.300,000    - Rs.600,000
Brain Tumor (Biopsy) Rs.50,000    -   Rs.200,000 Rs.200,000
Brain Tumor (Surgery) Rs.200,000 Rs.480,000
(Note: The above reflects only approximate costs)
Q. How many times we can extend the policy in one year duration?  Back to top
You can extend the policy any number of times provided the total duration of the policy is less than or equal to 360 days
Q. Can I buy Overseas Travel insurance If I am travelling on an immigrant visa?
Yes, you can buy overseas travel insurance even if you are travelling on an immigrant visa. However, the maximum duration of your policy can only be 60 days.
 Q. What is ‘pre-existing illness’? Does this policy cover Pre-existing diseases?
A ‘Pre-Existing Illness’ is one with which the person is already suffering from before he buys the policy. For the purpose of this policy, pre-existing disease is defined as An illness which has not been treated. An illness which is already treated. An illness for which medical advice has been sought in the last six months before commencement of the trip abroad. Please check your product features..
Q. What is a deductible?
If your plan has a Rs.100 deductible, you pay the first Rs.100 of expenses and then the insurance company picks up the rest.
Q. What if I lose my passport? Is that covered?
Yes, passport loss is covered in our policy. Expenses incurred towards the procurement of a duplicate / temporary passport are also covered.
Q. In the event of an accident or illness, what if it is not possible to consult a physician or a doctor?
In an event of an accident or illness if it is not possible to contact a physician or doctor, an alarm centre should be contacted immediately. They will help organise medical services for you.
Q. If I take a 2 month Travel insurance Policy, would I be able to extend it later, as per my requirement?
Yes, you can extend your overseas travel insurance Policy very easily, online. We would however, recommend you to buy the policy for the full duration, as the extension depends on the terms and conditions of the company. Please refer to the Policy wording for details.
Q. What is the minimum age of one under the Group Travel Policy?  Back to top
 After 6 months of birth or the minimum age is 6 months .
Q. What are the two types of claim settlements?
 Reimbursement & cashless settlement.
Q. What if I fail to produce the required documents?
There are some documents that are definitely needed, without which a claim will not be paid. We will try and assist you to find surrogate means to get the required proof. Click here to view the documents required in making a claim.
Q. Within how many days should the claim for insurance benefit be submitted?
Claims should be submitted in 30 days that is within a month after the completion of treatment. In the event of death, they can be submitted after the repatriation of the person’s remains / burial.
Q. Are there any restrictions on the hospital where the treatment should be taken?
There is no restriction on the hospital where treatment should be taken. The treatment can be taken in any hospital in the world outside India. However, the only restriction is that the hospital should be a registered hospital under the local jurisdiction. However it is advisable in pre planned hospitalisation, the insured informs the Assistance company who will direct them to a network hospital in the same locality.
Q. How do I purchase the insurance? When does the insurance take effect?  Back to top
Purchasing insurance with us is very simple. Click on the 'Buy now' button will lead you to the appropriate online application form. You have to complete the online application form and make the payment using a debit/credit card/cheque. You will immediately receive an email / sms acknowledgement, and the policy will be mailed or emailed to you within 3-4 business days. The coverage will start from the start date as indicated on the policy document.
Q. What information do I need to complete the online application?
 All the information required to complete the application is available in the applicants passport. The main data elements are the applicant’s complete name, passport number, date of birth, mailing address and telephone number in India, the assignee (the beneficiary for the policy) and the correct travel dates.