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Apollo Munich's Individual Travel Insurance protects you against illnesses, thefts and other unexpected occurrences that can impact your plans when you travel alone.
Apollo Munich's Individual Travel Insurance Plan covers an individual, from 6 months of birth to 70 years, against any medical or non-medical emergency while traveling overseas and is valid for a period of 180 days.
Apollo Munich Overseas Mediclaim Insurance
The benefits include services such as:
- 24/7 access to medical advice on telephone from anywhere in the world
- Referrals of medical practitioners and hospitals
- Reimbursement of medical expenses incurred during hospitalization (where ever possible)
- Arrangement of compassionate visit of a loved one in case of hospitalization
Apollo Munich Overseas Travel Insurance Benefits Table
Benefits
(Sum(s)insured in US$) |
Platinum |
Gold |
Silver |
Bronze |
Asian Region |
Deductible |
| Medical Treatment?If any Insured Person suffers an Illness or Accident during the Risk Period that alters the Insured Person's state of health and requires immediate medical treatment in order to maintain life or relieve immediate pain or distress |
5,00,000 |
2,50,000 |
1,00,000 |
50,000 |
25,000 |
100 |
| Dental Treatment*?Medical Expenses for pain relieving dental treatment received by the Insured Person, At the nearest dental facility because of an Accident or sudden acute pain to one or more of the Insured Person's natural teeth but only if received under anaesthesia. |
500 |
250 |
250 |
250 |
250 |
100 |
| Repatriation of Mortal Remains*?If the Insured Person dies during the Risk Period, then the company reimburse the reasonable cost of either transporting his mortal remains from the foreign country to his permanent place of residence or a cremation or burial ceremony in the foreign country. |
10,000 |
7,500 |
7,500 |
7,500 |
7,500 |
Nil |
| Loss of Passport?If an Insured Person loses his passport during the Risk Period, then the company reimburse the actual expenses incurred in obtaining a duplicate or fresh passport either overseas or within 30 days of his return to India. |
300 |
300 |
200 |
200 |
200 |
30 |
| Personal Accident |
25,000 |
20,000 |
20,000 |
20,000 |
20,000 |
Nil |
| Personal Accident Common Carrier?If during the Risk Period an Insured Person suffers an Accident and this solely and directly results in his/her death within 90 days of the Accident, then the company pay the Sum Insured to the Insured Persons' nominee and the permanent impairment of the Insured Person's physical capabilities within 90 days of the Accident, then the company make payment in accordance with the table below if that permanent impairment is claimed for and confirmed by the attending Doctor and Our medical advisor within 180 days of the Accident. |
20,000 |
10,000 |
5,000 |
5,000 |
5,000 |
NIL |
| Personal Liability ?The company indemnify an Insured Person subject to the Limit of Indemnity specified in the Schedule against his actual legal liability (including defence costs) to pay damages for his negligence which results from a third party civil claim first made against the Insured Person during the Policy Period for third party death, bodily injury or property damage. |
1,00,000 |
1,00,000 |
50,000 |
25,000 |
10,000 |
NIL |
| Hijack Daily Allowance ?If the aircraft in which an Insured Person is travelling as a fare paying passenger to or from a
foreign country during the Risk Period is Hijacked and the journey is interrupted for a continuous and completed period of more than 12 hours, then the company pay the daily allowance specified in the Schedule. |
100/500 |
50/250 |
50/250 |
50/250 |
50/250 |
12 hrs. |
| Total Loss of Checked-in Baggage?If an Insured Person's accompanying checked-in baggage for an overseas journey is permanently lost by a Carrier on which the Insured Person is travelling as a fare paying passenger to that overseas destination and to whom it was entrusted against a receipt during the Risk Period, then the company pay the amount required to purchase new items of the same kind and quality less the amount representing the condition and reasonable depreciation of the articles lost, provided |
1,000 |
500 |
500 |
500 |
500 |
NIL |
| Delay of Checked-in Baggage?If the delivery of an Insured Person's accompanying checked-in baggage for an overseas journey is
delayed by a Carrier on which the Insured Person is travelling as a fare paying passenger to that overseas destination and to whom it was entrusted against a receipt during the Risk Period, then the company reimburse the actual expenses incurred by the Insured Person in purchasing essential personal items of medication, toiletries or clothing |
300 |
300 |
200 |
200 |
|
12 hrs. |
| Financial Emergency Cash?If an Insured Person has suffered a financial emergency due to the theft, pilferage, robbery or
dacoity of his Money comprising his travel funds during the Risk Period and is consequently left without any travel funds, then the company pay up to the amount stated in the Schedule to replace the travel funds lost, provided that the loss is reported to the police of the foreign country within 24 hours of loss and a written police report confirming the loss has been submitted to Us. |
300 |
200 |
200 |
|
|
NIL |
| Trip Delay?If an Insured Person's outward journey from India directly to an international destination or his return journey from an international destination to the first Indian destination on a Carrier as a fare paying passenger is delayed beyond its scheduled departure or arrival time during the Risk Period |
50/200 |
25/100 |
|
|
|
NIL |
| Hospital Daily Allowance*?If the company have accepted a claim under medical treatment, then We the company in addition pay the daily cash amount mentioned in the Schedule for each continuous and completed period of 24 hours that the Insured Person is Hospitalised, provided that Our liability to make payment will only commence after the Insured Person has been Hospitalised for a continuous period of more than 48 hours. |
25/150 |
20/120 |
|
|
|
48 hrs. |
| Trip Cancellation?If an Insured Person's outward journey as a fare paying passenger from India to an international destination on a Carrier is unavoidably cancelled before completion after it has commenced, because of one of the reasons below, then the company reimburse up to the Trip Cancellation Sum Insured as the case may be for those travel and accommodation expenses that he paid and cannot recover or for which no value can be derived or he is liable to pay as long as he paid or committed to such expenses without knowledge of the likelihood of cancellation |
2,000 |
1,000 |
|
|
|
NIL |
| Trip Curtailment?If an Insured Person's outward journey as a fare paying passenger from India to an international destination on a Carrier is unavoidably curtailment before completion after it has commenced, because of one of the reasons below, then the company reimburse up to the Trip Curtailment Sum Insured as the case may be for those travel and accommodation expenses that he paid and cannot recover or for which no value can be derived or he is liable to pay as long as he paid or committed to such expenses without knowledge of the likelihood of curtailment |
2,000 |
|
|
|
|
NIL |
| Missed Connection?If an Insured Person misses a travel connection overseas during the Risk Period because of the delayed arrival of his inward flight, which causes him to miss a connecting flight, then We will reimburse the reasonable costs actually incurred for necessary accommodation and alternative travel (must be of the same class of original ticket purchased) to reach the Insured Person's intended destination |
500 |
|
|
|
|
NIL |
*Benefits will be sub-limit under Medical Treatment Sum Insured
Medical Evacuation will be covered under Medical Treatment Sum Insured.
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