| Coverages |
TRAVEL ASSIST CLASSIC |
| Sum Insured in USD |
Deductible |
| Pre-existing Illnesses?The company will pay the insured upto the sum insured specified in the schedule in respect of the medical expenses incurred in the treatment of the pre existing ailments declared in the proposal form and mentioned specifically in the policy schedule. The expenses will be limited to the amount mentioned in the coverage and will not be payable under the Medicla Expenses of the policy schedule. This benefit will however be not available for the undeclared pre existing ailments or their complications. |
300 |
100 |
| Medical Expenses,Evacuation and Repatriation?The Medical and related expenses incurred by the Insured for medical treatment outside India. The expenses covered would include physician services, hospital and medical services and local emergency medical transportation. Medical Evacuation to a hospital in the Republic Of India required as a result of Accidental Bodily Injury and/or Sickness and/or Disease occurring or having first manifested itself during an Insured Journey. The Medical Evacuation will have to be pre-approved by the Insurance Company / Claims Administrator of the Insurance Company. |
50,000 |
100 |
| Emergency dental pain relief?Dental Services for immediate relief of dental pain are covered up to the amount specified in the schedule. However dental care rendered necessary as a result of a covered accident shall be subject to the limit of cover as stated in the policy. |
500 |
100 |
| Loss of Checked Baggage ***?The company will pay the Insured up to the Sum Assured specified in the Schedule in respect of the complete and permanent loss or destruction of the Insured's Checked Baggage, save that The company may, in its sole and absolute discretion, opt to reinstate or replace the Checked Baggage as an alternative to making payment to the Insured hereunder. |
250 |
Nil |
| Delay of Checked Baggage?The company will pay the Insured up to the Sum Assured specified in the Schedule in respect of the Insured's emergency purchase of toiletries, medication and clothing to replace those contained in Checked Baggage, the arrival of which is delayed by more than 12 hours beyond the time of the Insured's arrival at the intended destination outside of India. |
100 |
12 hrs. |
| Personal Accident***?The company will pay the Sum Assured specified in the Schedule if the Insured sustains Accidental Bodily Injury during the course of the Insured Journey and such Bodily Injury is within 12 months of the date upon which it was sustained the sole and direct cause of the Insured's death or the Loss of Eye and/or Loss of Limb. |
10,000 |
Nil |
| Loss of Passport ?In the event of the Insured's loss of his passport, The company will pay the Insured the Sum Assured (less the deductible) specified in the Schedule towards expenses necessarily incurred by the Insured in obtaining a duplicate or fresh passport. |
250 |
25 |
| Personal Liability?The company will indemnify the Insured up to the Sum Assured (less the deductible) specified in the Schedule against any legal liability incurred by the Insured in his private capacity to pay Damages for third party civil Claims arising out of Accidental Bodily Injury or Accidental Property Damage occurring during an Insured Journey. |
100,000 |
200 |
| Hijack?For each 24 hour period the insured is detained by hijackers following hi-jacking of any aircraft in which the insured is traveling, The company will pay the sum specified in the schedule subject to the maximum limit specified in the schedule. All other policy terms and conditions shall remain unaltered. |
USD 50 per Day
Max. USD 300 |
Nil |
| TripDelay?If the air craft on which the insured is booked to travel from India is delayed beyond 12 hours than the original scheduled departure time, The company will pay the sum mentioned in the schedule for every 12 hours delay in excess of 12 hours, subject to the maximum amount mentioned in the schedule. |
No |
Nil |
| Emergency Cash Advance ***?This is an assistance service when the insured person requires emergency cash following incidents like theft/burglary of luggage/money or hold up. The assistance company shall co-ordinate with the insured person's relatives in India to provide emergency cash assistance to the insured person as per his requirement, upto the limit specified in the policy schedule. |
500 |
Nil |
| Difference in Airfare due to delayed or early return?If the insured return back to Indias due to illness or accident is cancelled or delayed then The company will pay for the fare difference for a tourist or economy class return ticket when the insured's original return ticket was issued at a reduced rate and with a fixed or limited return date, and such return date cannot be met due to the insured's illness or accident.covered under the policy |
YES |
Nil |
| Transfer of a relative |
YES |
Nil |
| Stay of a card holder's relative?If the Family visit benefit is approved by the company, and if the family member is abroad alone, and without any other family members or personal friends,during said period , then the lodging expenses incurred by the accompanying relative for a maximum period of 10 (ten) days will be assumed by the company.subject to the sum insured and limits mentioned in the schedule. |
Daily Limit up to USD
50 to Max. USD 250 |
Nil |
| Minors´ Escort?If the insured is hospitalized due to an illness or accident covered under the policy and
he is the only companion of a child(or children) under the age of 15 years who is (are ) also insured under BAGIC , then if the insured is not able to take care of the child(or children) , The company will reimburse the actual cost of economy class transportation by the most direct route via a common carrier subject to maximum the sum insured, for the relative to accompany the child( or children) back to their permanent place of residence in India. |
YES |
Nil |
| Hotel Expenses due to convalescence?If the attending physician prescribes mandatory bed rest after
hospitalization for a minimum period of 5 (five) consecutive days for an illness or accident covered under the policy, then The company willl reimburse the insured for hotel lodging expenses (excluding extras), subject to the sum insured and the daily limit mentioned in the policy schedule |
Daily Limit up to USD
50 to Max. USD 250 |
Nil |
| Transfer of executives due to an emergency?In the event of the insured travelling on a business trip and is hospitalized due to an illness or accident covered under the and is unable to resume his duties then the company will reimburse the cost incurred to send a replacement colleague (travelling expenses only in same class as the insured being replaced originally travelled) for completion of the project up to the maximum specified in the Schedule provided the replacement staff is also insured with BAGIC. |
YES |
Nil |
| Legal assistance to file claims in case of an accident (Fees And Expenses)?In case the insured is charged with responsibility in an accident in a country where company renders its assistance services, an attorney will be placed at the disposal of the insured who makes such a request, in order to take charge of his/her civil or criminal defence. The company will advance, as a loan and to be refunded by the insured the amounts corresponding to lawyer fees and trial expenses |
2,000 |
Nil |
| Cash Advance for bail bonds?If the insured is arrested for any inadvertent law breaking during his/her travel overseas The company would lend the amount as mentioned in the schedule towards the bail amount for release. However, The company will not pay, 1. for any bail amount where the insured has been charged for breaking the law with Criminal Intent. 2. for any bail amount where the insured has been charged for over speeding in a vehicle. |
3,000 |
Nil |
| Concierge 24 hrs.?The company can provide on best effort basis miscellaneous information to the insured related to the and during the Policy Holder's trip. Assistance services which will be tried to be arranged and are not guaranteed. The information services will comprise the assistance services and charges if any incurred will be debited to insured's account directly. |
YES |
Nil |
| Lost Baggage Tracking?The company will assist the insured abroad by all means at its reach to try to locate lost pieces of luggage that have been shipped in the luggage compartment of the same international flight on which the insured was traveling. The companyin association with ASSIST-CARD provides insured, within the document-holder with codified luggage tags for identification purposes. In order to facilitate luggage identification in case of loss, it is essential to have those luggage tags affixed to it for the whole duration of the trip. |
YES |
Nil |
