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Apollo Munich's senior citizen travel insurance is designed for mature people in the age group of 71-80 years, looking for a good all round travel cover at a competitive price.
Each one of us presents a different risk to the travel insurance world. As you reach your senior years, statistics show that you're likely to take fewer risks. Apollo Munich's senior citizen travel insurance policy reflects this and at the same time takes into consideration the fact that there may be an increased need of medical assistance services.
Apollo Munich Overseas Senior Citizen Insurance
Coverage Benefits
- Medical advice on telephone 24x7, while traveling
- Lost luggage / passport assistance
- Embassy and interpreter referral services
- Referrals of medical service providers and hospitals
- Reimbursement of medical expenses incurred during hospitalization where ever possible
Apollo Munich Overseas Mediclaim Benefits Table
Benefits
(Sum(s)insured in US$) |
Silver |
Bronze |
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 |
1,00,000 |
50,000 |
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. |
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. |
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. |
200 |
200 |
30 |
| Personal Accident |
10,000 |
10,000 |
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. |
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. |
50,000 |
25,000 |
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. |
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 |
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 |
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. |
200 |
|
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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