The invividual is covered Travel policy from Insurance Company. The scheme covers medical expenses incurred for any in-patient& outpatient treatment outside INDIA by the individual. This policy has been taken by you travel outside India and for duration required by the traveler on an extendable basis upto 180 days.
What is the policy period?
The policy is effective from the Start Date as mentioned on the policy certificate to the End Date as mentioned on the policy certificate or the date of entry to India whichever is earlier.
What is the percentage of the claim payable and whether it will be taxed?
The standard deductible under the Accident & Sickness Reimbursement is $100 irrespective of the value of the claim. The same is not taxable.
What are the sub-limits prescribed by the policy?
The sublimits are applicable to the Age Category of 56-70
Please refer the benefits under all Plans as in the Travel brochure of Insurance Company
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. It is however advisable in pre planned hospitalization, the Insured informs the Assistance Company whom may choose the direct them to a Network Hospital in the same locality.
Is the sum insured mentioned under each category applicable to all members traveling on the policy and is there any restriction on number of claims?
The sum insured as mentioned in the policy schedule is for each traveling member. For eg. If there are 3 family members traveling under a single Gold Plan policy, each of the 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 eg. 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 reduced by 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.
Is a newborn child covered from day one under the Group Travel Policy?
A newborn child will be covered after 6 month of birth.
Age Limits and Coverage
Persons between 6 months upto 70 years
We have a Senior Citizen Plan for travelers between 71-79
