| Benefits/Maximum Coverage |
Senior Silver |
Deductible |
| Sum(s)insured in US$ |
Accident& Sickness Medical Expenses Benefits*?Accident & Sickness Medical Expenses Benefits
The policy will pay The insured the Reasonable and Customary Charges, subject to the Deductible shown in the Policy Schedule, for Covered Medical Expenses incurred overseas by The insured for medical services which are not due to a Pre-existing Condition up to the maximum amount and benefit period stated in the Policy Schedule for the treatment of an Injury or Sickness sustained by The insured under the circumstances described in a Hazard during an Insured Journey while this Policy is in effect.
|
50,000 |
100 |
Accidental Death and Dismemberment Benefit(24 Hrs)?AD& D (24 Hrs)
The policy will pay the insured Principal Sum shown in the Policy Schedule if Injury to The insured results in loss of life and a percentage of the Principal Sum shown in the Policy Schedule if Injury to The insured results in losses of hands, legs, ears & eyes. The loss must occur under the circumstances described in a Hazard within 365 Days from the date of the Accident which caused Injury.
If more than one loss results from any one Accident, only one amount, the largest, will be paid. |
10,000 |
|
| Hospital Room and Board and Hospital miscellaneous** |
Maximum 1,500 per day upto 30 days whichever is less. |
|
| Intensive Care Unit** |
Maximum 3,000 per day upto 7 days whichever is less. |
|
| Surgical Treatment** |
Maximum 10,000 |
|
| Anesthetist Services** |
Upto 25% of Surgical Treatment |
|
| Physician?s Visit ** |
Maximum 75 per Day upto 10 visits |
|
| Diagnostic and Pre-Admission Testing** |
Maximum 500 |
|
| Ambulance Services** |
Maximum 400 |
|
Emergency MedicalEvacuation?Emergency Medical Evacuation
The insurance company pays the Reasonable and Customary Charges up to the maximum shown in the Policy Schedule for covered expenses incurred under the circumstances described in a Hazard during the course of an overseas Insured Journey if, Injury or Sickness results in Your necessary Emergency evacuation. An Emergency Evacuation must be ordered by the Assistance Company or a Physician who certifies that the severity or the nature of insured?s Injury or Sickness warrants insured?s Emergency Evacuation. |
Included in medical expenses |
|
Repatriation of Remains?Repatriation of Remains
Means the Assistance Company agrees to make the necessary arrangements for the return of the insured?s remains to India in the event that the insured died while this service agreement is in effect as to the insured. |
Included in medical expenses |
|
Baggage Loss (Checked Baggage)?Checked Baggage Loss Benefit
The insurance company will pay benefits, in the case of permanent loss of an entire piece of Checked Baggage, held in the care, custody and control of a Common Carrier, due to theft or due to misdirection by a Common Carrier or due to non- delivery at its destination while The insured is a ticketed passenger on the Common Carrier under the circumstances described in a Hazard during the course of an Insured Journey. Benefits will only be payable in case of the loss of an entire piece of checked baggage, and not for damage to the luggage or partial loss of its contents.
The insurance company will reimburse The insured, subject to the Deductible and up to the maximum shown in the Policy Schedule, for the cost of replacement of the entire baggage and its contents. All claims must be verified by the Common Carrier. |
500
50% per bag / 10% per item |
100 |
Baggage Delay?Baggage Delay Benefit
The insurance company will reimburse The insured for the expense of necessary personal effects, up to the maximum stated in the Policy Schedule, if The insured?s Checked Baggage is delayed or misdirected by a Common Carrier under the circumstances described in a Hazard during the course of an Insured Journey for more than the Deductible shown on the Policy Schedule from the time The insured arrive at the destination stated on insured?s ticket. Benefits will be reduced by the amount paid or payable by the responsible Common Carrier. |
50 |
12 hours |
Loss of Passport?Loss of Passport
The insurance company will reimburse The insured, subject to any Deductible, if The insured lose passport under the circumstances described in a Hazard during the course of an Insured Journey and incur necessary and reasonable expenses in connection with obtaining a duplicate or new passport up to the maximum stated in the Policy Schedule. The Deductible, if any, shall apply to each insured event and shall be borne by the insured. |
250 |
30 |
Personal Liability?Personal Liability
If a claim is made or a suit is brought against The insured for Property Damage caused by an overseas Occurrence to which this coverage applies, The insurance company pays up to the maximum amount stated in the Policy Schedule, subject to any applicable Deductible, for the company?s limit of liability for the damages for which The insured?s are legally liable. |
100,000 |
200 |
Emergency Cash Advance?Emergency Cash Advance
The Assistance Company will arrange for cash payments to The insured 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?s credit cards. Credit card transactions performed by the Assistance Company are subject to confirmed credit. |
500 |
100 |
