Customize your own plan

• Covers expenses of hospitalization, loss of baggage, accident to sponsor, family visit and other incidental expenses 
• Covers you against bail bonds and tuition fee* 
• Covers you against loss of passport** 
• Covers you for emergency dental pain relief*** 
• Quick disbursement of claims 
• Global expertise matched with local knowledge 
• Innovative packages to match individual needs
• Only insurance company with in-house international toll-free numbers and fax numbers
• The Golfer's Hole-in-one is a sporting gesture from the company. It offers reimbursement of expenses incurred in celebrating a hole-in-one by the insured during the trip, anywhere in the world (excluding India), in a United States Golfers' Association recognized golf course. This cover is provided in Travel Companion.
  
  Click Here to read the policy wording.

• Any medical condition or complication arising from it which existed before the commencement of the policy period, or for which care, treatment or advice was sought, recommended by or received from a physician.
• Routine physical or other examination where there is no objective indication of impairment of normal health. 
• Medical expenses beyond the expiry of the policy period.
• Suicide, attempted suicide or willfully self-inflicted injury or illness, mental disorder, anxiety/stress/depression/nervousness having no underlying physical illness as a cause; venereal disease, alcoholism, drunkenness or the abuse of drugs.
• Manual work or hazardous occupation, self-exposure to needless peril (except in an attempt to save human life), engaging in any criminal or illegal act.
• Pregnancy, resulting in childbirth, miscarriage, abortion, or complication arising out of any of the foregoing. 
• Experimental, unproven or non-standard treatment.
• Treatment by any other system other than modern medicine (also known as Allopathy).
• The cost of spectacles, contact lenses, hearing aids, crutches and all other external appliances and/or devices whether for diagnosis or treatment.
• Delay of baggage when the intended destination is in India.
• Loss or damage to the insured's passport as a result of the confiscation or detention by customs, police or any other authority.
• Loss which is not reported to the appropriate police authority within 24 hours of the discovery of the loss, and in respect of which an official report has not been obtained. 
• Loss caused by the insured's failure to take reasonable steps to guard against the loss of passport.

Please note: For details, please refer to the product brochure for policy terms and conditions

• Entry age for proposer is 16 years to 35 years. The policy can be renewed for lifetime. 
• Entry age for child is 3 months up to 30 years 
• No medical tests up to 45 years, subject to clean proposal form

• To register your claim, please dial our Toll Free Number: 1800-209-5858
• To go through the detailed Claim Process – please click here
  
  Commission on General Insurance