Transcript TRAVEL INSURANCE

Travel Insurance Policy
• Travel Insurance provides cover against risks related to
travel ( Domestic as well as Abroad)
• Combination of variety of possible risks including hijack
• Types of Travel Insurance
• Overseas Travel Insurance
• Domestic Travel Insurance
• Student’s Travel Insurance
Features of Overseas Travel Insurance
(Travel Guard - TATA AIG)
• Coverage:
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Coverage of medical expenses (accident/ illness)
Baggage loss (checked-in)
Loss of passport (exp to obtain duplicate or new)
Personal Liability (caused involuntarily)
Hijacking (distress allowance)
In-hospital indemnity (daily benefit)
Trip delay (additional exp – above 12 hrs delay)
Automatic Extension of Policy ( 7 days)
Personal Accident (death or dismemberment)
Dental relief (immediate treatment)
• Medical Assistance:
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Medical services provider referral
Arrangement of hospital admission
Monitoring of condition
In-touch with service provider
Contact with family physician
Medical evacuation
Repatriation
• Additional assistance: (Round the clock assistance)
• General assistance
» Translation and communication
» Government agencies inormation
» Claim filing information
• Pre-departure services
» Hazards at foreign locations
» Passport or visa related information
• Emergency travel agency
» Airline and hotel reservations
• Emergency cash transfer
» As per credit limits
• Legal assistance
» Against non-criminal action
» Name the attorney
• Exclusions:
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Travelling against the advice the advice of physician
For obtaining treatment
Pre-existing diseases
Suicide or attempted suicide
Illegal Act
Dangerous sports
Features of Domestic Travel Insurance
(Domestic Travel Guard - TATA AIG)
• Coverage:
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For travel with in India
Accidental death & dismemberment
Missed departure ( certified)
Trip delay ( reasonable expenses)
Lost ticket
Medical evacuation
Personal liability
Features of Student’s Travel Insurance
(Student Guard Plus - TATA AIG)
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Study Interruption ( medical reasons)
Sponsor protection (death or disablement)
Medical expense (actual expenses)
Compassionate Visit of family member (hospitalization case)
Visit by student for above seven days (death or
hospitalization)
• Personal Accident
• Mental and Nervous disorders ( treatment expenses)