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Travel Insurance

Travel Insurance

Your search for high quality overseas travel insurance stops here

Travel related risks while you are in a foreign country, like an accident abroad, loss of travel documents, hospitalization due to sickness/accident can turn out to be quite disturbing and at the same time expensive. Besides the protocol and procedures to be followed in the respective country and the corresponding anxious moments and unnecessary worries it can have on the traveler, it can also give a considerable financial burden.
 

Royal Sundaram brings to you “Travel Secure”, which is a comprehensive Travel Insurance Plan which offers holistic travel insurance solutions to every  traveler, across the globe.

 

Key Features of the policy

Coverage from Country perspective
 
Coverage is available for travel to countries for which a valid visa has been obtained. From a country perspective, we have classified our coverage under the following options.
 
  1. Worldwide including Americas (Americas include North, Central, South America and Canada. Option to include Schengen countries)
  2. Worldwide excluding Americas (Option to include Schengen countries)
  3. Asia* (excluding Korea and Japan)
 

(* Coverage to Korea and Japan shall be available under Worldwide including/excluding Americas category)
 

Plans Offered under Travel Secure

Travel Secure is a very comprehensive and feature rich policy which provides a complete peace of mind and it covers all segments of travel abroad. It offers coverage under five different plans which suites best to your needs:

  1. Leisure Trip – A comprehensive plan for a holiday abroad, with SI starting from 50,000 USD up to 10 lac USD.
  2. Multi trip - A customized annual plan for frequent business travelers who undertake multiple trips in a year.
  3. Senior Citizen – A tailor made plan for members aged 71 and above.
  4. Asia – An affordable plan exclusively for travel within Asia.
  5. Student – A very useful annual plan for all students going abroad for studies, duration of which can be from 1 to 7 years.
 

Age Eligibility

The eligibility is as per the plan opted.
 

Leisure, Multi trip and Asia plans:

Children: The minimum entry age under this policy is 91 days.

Adult: Minimum entry age is 18 years. Maximum entry age is 70 years at the commencement date of the Policy.  If the Insured Person completes 70 years during the Period of insurance, then the insurance will continue until expiry of the policy or his/her return to Republic of India whichever is earlier.
 

Senior Citizen Plan:

Minimum entry age is 71 years. There is no maximum entry age.
 

Student Plan:

Minimum entry age is 12 years. Maximum entry age is 40 years at the commencement date of the policy.
 

Product Benefits - Key Highlights

While each of the plan has been designed keeping the unique requirement of each segment of customer, the below listed 11 benefits will be available across all the plans.
 

S.No

Common Benefits (available in all plans)

1

Medical Expenses (including medical evacuation)

2

Sickness Dental Relief

3

Accidental Death and Dismemberment Benefit (24 hrs)

4

Repatriation of Mortal Remains

5

Delay of Checked-in Baggage

6

Loss of Checked-in Baggage

7

Loss of Passport Benefit

8

Personal Liability Benefit

9

Trip Delay Benefit

10

Hijacking Benefit

11

Assistance Services
 
The below set of 15 benefits will be available depending on the plan chosen by you.

S.No

Benefits

Leisure

Multi Trip
Senior Citizen
Asia
Student

12

Daily Cash Allowance in case of hospitalization beyond 2 days



-

-

-

13

Accidental Death and Dismemberment Benefit (Common Carrier)



-


-

14

Automatic extension of policy upto 7 days



-

-

-

15

Emergency cash advance





-

16

Trip Cancellation





-

17

Trip Curtailment



-

-

-

18

Missed Connections/Missed Departures




-


19

Bounced Hotel/Airline Booking



-

-

-

20

Political risk and Catastrophe evacuation




-

-

21

Compassionate Visit



-



22

Emergency Hotel Extension


-

-

-

-

23

Loss of Baggage and Personal Effects


-

-

-

-

24

Return of Minor


-

-

-

-

25

Difference in Airfare due to delayed or early return


-


-

-

26

Home Content Insurance (in INR)



-

-

-

 
The below set of 13 benefits are available only in the Student Plan.

S.No

Benefits ( Only for Student Plan)

27

Study Interruption

28

Sponsor Protection

29

Bail Bond

30

Felonious Assault (Accidental Death and Dismemberment)

31

Maternity benefit for termination of pregnancy only

32

Treatment for mental and nervous disorders: including alcoholism and drug dependency,

33

Cancer screening and mammography examinations

34

Child Care Benefits

35

Coverage for pre-existing conditions Accidental & Sickness

36

Ambulance Charges

37

Physiotherapy

38

Loss of Laptop

39

Suicide
 

 

Product Benefits-Key Highlights
Details of all benefits have been provided below:
  1. Medical Expenses (including Medical Evacuation)

Following conditions are covered on actual expenses incurred subject to the limits specified in the policy schedule under this section:

  1. OPD, Hospitalisation Expenses, Medical Practitioner’s charges, local emergency medical transportation and medical services for any illness or injury sustained while abroad.
  2. Medical Evacuation to another better nearby location or to India subject to obtaining prior approval from our end. The medical evacuation shall be as a result of Accidental Bodily Injury and/or Sickness and/or Disease occurring or having first manifested itself during an Insured Journey. It will not cover rescue operations in case of natural calamities/riots when there is no emergency due to accident/sickness. This benefit is available as cashless benefit and not on reimbursement basis.
  3. Any expenses due to Pre Existing Diseases will not be covered. Only in case of Life Threatening emergency, the expenses incurred abroad will be covered up to a max of USD2000.
 
  1. Sickness Dental Relief
The company will cover actual expenses incurred resulting from sickness sustained to Sound Natural Teeth during a Trip abroad subject to the limits specified in the schedule under this section.
 
  1. Accidental Death & Dismemberment (24 hours)
In case of death or disability arising out of and consequent (within 12 months) upon an injury sustained during the trip, the policy will pay the limits specified in the schedule under this section as per the benefit table mentioned below.
1. Death
100%
2. Permanent Total Disablement
 
Total and irrevocable loss of
 
(i) Both Hands or both feet
100%
(ii) sight of both eyes
100%
(iii) one entire hand and one entire foot
100%
(iv) Loss of either hand or foot and sight of one eye
100%
(v) Speech and hearing in both ears
100%
(vi) Either hand or foot
50%
(vii) Sight of One eye
50%
(viii) Speech
50%
(ix) Hearing in both ears
50%
(x) Thumb and index finger of the same hand
25%
(xi) Quadriplegia
100%
(xii) Paraplegia
50%
(xiii) Hemiplegia
50%
(xiv) Uniplegia
25%
 
In any case, the maximum liability of the company in the event of a claim shall not exceed 100% of the sum insured provided under this section.
 
  1. Repatriation of Mortal Remains
In the event of the death of the Insured Person during the Trip due to illness/ injuries, which are insured events in terms of this Policy, the Company shall compensate for the transportation expenses reasonably incurred to return the mortal remains of the Insured Person to the place of residence in the Republic of India or the expenses for local burial or cremation in the country where the death occurred, subject to the limits specified in the schedule under this section.
 
  1. Delay of Checked-in Baggage 
The Company will reimburse up to the limits specified under this section in the policy schedule for necessary emergency purchase of essential clothes, toiletries and essential medicines in the event that the Insured Person suffers a delay of more than 6 hours from the Scheduled Arrival time at the destination for delivery of Baggage that has been checked by a Common Carrier for an international outbound flight from the Republic of India. This benefit is only payable on outward journey from India and not on return journey to India. Amount payable will be only in excess of any amount paid or payable by the carrier responsible for the delay/loss. This benefit shall be payable only once during the policy period irrespective of the number of intermittent trips undertaken by the insured.

 

  1. Loss of Checked-in Baggage
The Company will reimburse up to the limits specified in the Schedule of the policy in the event of the Insured Person suffering Total Loss of entire piece of Checked in Baggage which is under the care control and custody of the Common Carrier, while the Insured Person is a ticketed passenger on the Common Carrier during the course of the Insured Period. Any amount payable will be in excess of any amount paid or payable by the Carrier responsible for the loss and/or in excess of all other valid and collectible insurance. The maximum amount reimbursable per bag is 50% of the Sum Insured   and the maximum value per article contained in any bag is 10% the Sum Insured.
 
  1. Loss of Passport
In the event that the Passport, Visa belonging to the Insured Person is lost, the Company will reimburse up to the limit mentioned in the Schedule to cover only the direct expenses necessarily and reasonably incurred in connection with obtaining emergency travel documents in lieu of passport /visa or duplicate or new passport. Any loss should be reported to local Police within 24 hours
 
  1. Personal Liability
In the event of the Insured Person becoming legally liable to a Third Party (under statutory liability provisions or in common law for an incident which results in death, injury of such third party or damage to his/ her properties), the company will compensate the Insured person up to the limit specified, provided the incident occurs during the Period of Insurance and whilst on a Trip abroad and provided that the claim is reported to the Company immediately.
 
  1. Trip Delay
The Company will pay a lump sum subject to the limits specified in the policy schedule under this section, if the Insured Person’s Common Carrier commencement is delayed for more than 6 continuous hours due to any Covered Occurrence. This section provides coverage both for inbound and outbound journey out of India. This benefit shall be payable only once during the period specified in the policy schedule.

Covered occurrence shall mean the following:

  1. Earthquake.
  2. Lighting, Storm,  Tempest, Typhoon, Hurricane, Inundation, Subsidence
  3. Landslide and rockslide
  4. Avalanche
  5. Floods resulting from unseasonal rains, storm or cyclone.
  6. Terrorism.
  7. Tsunami
  8. Volcano Eruption

 
provided that, the named perils hereinabove shall take place at and in the vicinity of any port involved in the Trip; and Cancellation or rescheduling of flights done at the instance of the  Common Carrier that causes delay.

 

  1. Hijacking Benefit
A lump sum amount is payable subject to the limits as specified in schedule for each 24 hours in captivity in the event of any Common Carrier, in which the Insured Person is traveling being hijacked on the trip abroad and held captive for more than 12 continuous hours.
 
  1. Assistance Services
The Company shall provide assistance services such as Overview of country, Weather, Currency Exchange Rates, Vaccinations etc.
 
  1. Daily Cash Allowance in case of hospitalization beyond 2 days
This will be payable on lump sum basis in case of hospitalization beyond 2 days for every completed and consecutive 24 hours of hospitalization. The benefit shall be payable up to the limits specified in the policy schedule. Claims admissible only in the event of hospitalization exceeding 2 days which shall however be paid including the 2 days. Daily Cash Allowance benefit shall be payable only when a claim under Medical Expenses section specified under the policy for the said hospitalization is admissible.
 
  1. Accidental Death & Dismemberment (Common carrier)
The policy will pay the sum insured specified in the schedule in addition to the sum insured specified under the personal accident section if the insured sustains Accidental Bodily Injury during the course of his overseas journey while travelling in a common carrier such as rail, bus, tram or aircraft and such bodily injury is the sole and direct cause of the Insured’s death or Permanent Total Disablement and which was sustained within 12 months from the date of the accident.

 

  1. Automatic Extension of Policy up to 7 days
The period of insurance is automatically extended up to a period of 7 days when there is a delay in Common Carrier, due to a Covered Occurrence (same list as shared under point no 9) and when no alternative travel arrangement is available.
 
  1. Emergency Cash Advance
The company will provide an assistance service when the insured person requires emergency cash following incidents like theft/burglary of luggage/money or hold up whilst on a trip covered under policy. The service provider will coordinate with the insured person’s family members in his country of residence to provide emergency cash advance to the insured person as per his requirement up to the limit specified (including service and delivery charges) in the policy schedule under this section.

 

  1. Trip Cancellation
The Company will reimburse the unused and non-refundable portion of the pre-paid lodging cost and/or the ticket cancellation charges (up to the maximum amount specified in the schedule) if the Trip is cancelled and the Insured Person is unable to undertake the Trip due to:
 
  1. death or serious injury or sudden sickness requiring minimum 3 days of hospitalization within 5 days before the date of departure specified in the policy schedule of (a) of the Insured Person or (b) Traveling Companion or (c) immediate Family member of the Insured Person.
  2. Covered occurrence (same list as shared under point no9) provided they take place at and in the vicinity of any port involved in the Insured's Trip.

 

                   Amount payable under this section will be only in excess of any amount paid or payable if any by the Hotel/Airlines. The booking should have been made in advance prior to the cancellation.

 

  1. Trip Curtailment
The  Company  will  reimburse  the proportionate  expenses  pre-paid  but  are  not  refundable  including  tickets  for  the  return journey to Republic of India (up to the maximum amount specified in the schedule) due to trip curtailment caused by  
  1. Emergency Medical Evacuation of self.
  2. Death, serious injury or sudden sickness of your spouse, parents, parent in laws or child residing with you in India and who is not travelling with you on the insured journey
  3. Serious injury or sudden sickness requiring minimum three days hospitalization of the insured’s wife or child (within 5 days before the date of departure of return journey) and who were booked to travel with the insured and who are also insured with us.
  4. The hijack of an aircraft in which you are travelling as a fare-paying passenger
  5. Inclement weather conditions like Hurricane, Storm, Flood or Natural Disasters, provided they take place at and in the vicinity of any port involved in the Insured's Trip. The amount payable under this section will be only in excess of any amount paid or payable if any by the Hotel/Airlines

 

  1. Missed Connections/Missed Departures
The Company will reimburse cost of reasonable expenses towards actual boarding and lodging incurred if the insured misses the connecting flight at intermediate port due to a delay beyond 12 hours from the original schedule by the outbound air craft from India in which insured is expected to travel, caused by Inclement weather, Equipment failure of the common carrier, strike or other job action by employees of the airlines. This benefit shall be payable either for a Missed connection or departure and not for both.
 
  1. Bounced Hotel/Airline Booking 

The company, subject to the limits specified under this section in the policy schedule, will reimburse the additional expenses towards alternate flight booking, transportation to the alternative hotel, cost of up gradation to a superior class of hotel if required when the confirmed hotel/airline booking services with the suppliers is bounced due to over booking.

 

  1. Political risk and Catastrophe evacuation 
The Company shall, subject to the sum insured limits specified in the schedule, reimburse the insured:
  1. the cost of travel expenses to the country of residence or nearest place of safety up to the cost of an economy class air ticket and
  2. reasonable accommodation expenses, if incurred, up to a maximum of USD 300 per day for a maximum of 7 days if insured is unable to return to his country of residence, when:
  1. Officials in the country where Insured is visiting, recommend that certain categories of persons which include the Insured should leave the country, or
  2. Insured is expelled from or declared persona non grata in the Country he is in, or
  3. A catastrophe (fire, flood, earthquake, Tsunami, Volcano Eruption, storm, lightning, explosion, hurricane or epidemic due to contagious disease) has occurred in the Country the Insured is in, necessitating his immediate evacuation in order to avoid risk of personal Injury or Illness to himself.
 
  1. Compassionate Visit 
The company shall subject to the limits specified under this section, when  insured person is hospitalized on account of an illness/accident for a period exceeding 5 days and as opined and recommended by the attending Medical Practitioner requires special assistance from an immediate family member, shall reimburse the cost of the economy class flight ticket incurred by the  immediate family member  rendering such special assistance from and to the place of residence/origin of such person together with accommodation expenses not exceeding 200 USD/day. This benefit shall be payable only once during the policy period.

 

  1. Emergency Hotel Extension
The Company shall, subject to the limits specified in Policy Schedule, pay the actual additional expenses for lodging and boarding incurred by the Insured if the departure of the Insured shall be delayed either at the port at the place of origin (other than the country of residence of the insured) or at any intermediate ports forming part of the Trip within the Period of Insurance solely arising out of and consequent upon occurrence of any of the covered events. (Same list as shared under point no9)
Subject however that the named perils specified shall take place in and in the vicinity of the port involved in the Insured's commencement and completion of the journey.
 
  1. Loss of Baggage and Personal Effects
The Company shall pay the insured, subject to the limits specified in Policy Schedule,
 
  1. in case of  loss of checked in baggage received from common carrier against surrender of receipt, happening once  Insured leaves the exit gate of the airport (including while he is travelling in the rented vehicle), and any time before the Checked In Baggage is once again checked-in in connection with furtherance of the scheduled journey being part of the Trip within the Period of Insurance, on actuals on declaration of such loss by the Insured,
  2. for the loss of the hand baggage carried by the Insured from the time the Insured passes through the security at the airport at the port of origin and continue until the Insured completes or terminates his / her Trip covered hereunder. The compensation shall be relating to the loss of baggage as a whole, and shall be on actuals on declaration of such loss by the Insured.
In case of loss of more than one baggage, company’s liability shall be restricted to 50% of the maximum liability specified under the section.
 
  1. Return of Minor Child
The Company, in the event of death of the insured whilst in abroad or hospitalized due to an Injury and / or Illness, contracted at any place being part of the Trip covered under the policy, which in the opinion of the attending Medical Practitioner shall extend beyond a period of 5 days, shall pay the insured, subject to the limits specified in Policy Schedule, cost of economy class air ticket incurred for sending the unattended Minor Child back to the Country of Residence,
Minor Child for the purpose of this benefit shall mean child/children accompanying the Insured Person, below the age of 18 years. This benefit shall be available for a maximum of two children.
 
  1. Difference in Airfare due to delayed or early return
If the insured returns back to India before or after the scheduled date of return, due to illness or accident to self or accompanying travelers who are also travelling with the insured person and insured with us, the Company shall pay the insured person, subject to the limits specified in Policy Schedule, the difference fare for 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.

 

  1. Home Content Insurance (in INR) 

The company shall subject to the limits specified under this section, pay for the loss or damage to household contents and personal effects of insured kept in insured’s specified home in India caused by Fire & allied perils, Burglary/Housebreaking during the policy period, whilst the insured person is abroad.
The Company shall not pay more than 20% of the Sum Insured in respect of any one item. This Benefit is applicable for the entire Family unit and not on Insured Person.
 

  1. Study Interruption
In the event of Hospitalization of the insured person of more than one consecutive month from either a covered Injury or Sickness or in the case of Terminal Sickness or in the case of a medical repatriation or in case of the death of an immediate family member, which prohibits the Insured Person from continuing his/her studies for the remaining part of a school semester for which Tuition fee has been paid, the Company shall reimburse the Insured Person the Tuition fees which has already been advanced to the educational institution, up to the amount stated in the Policy Schedule.
 
  1. Sponsor Protection
In the event of injury to the Insured Person’s Sponsor as stated in the Enrolment Form resulting in Death or Permanent Disablement as defined in the Policy, the Company shall reimburse the insured person the Tuition Fee incurred for the remaining period of this education up to the maximum limit stated in the Schedule of benefits.
 
  1. Bail Bond
The Company will pay bail bond costs that the insured person incurs, as a result of any inadvertent law breaking or false arrest or wrongful detention during his/her travel overseas, by any government or foreign power up to the amount stated in the Policy Schedule.

 

  1. Felonious Assault (Accidental Death & Dismemberment)
Felonious Attack means any wilful or unlawful use of force upon You that is a felony or a misdemeanour in the jurisdiction in which occurs and which results in bodily harm to You.
 
We will pay a percentage of the Principal Sum shown in the Schedule if Injury to You results in one of the losses shown in the Table of Losses below due to a loss as a result of a Felonious Assault during Your Trip. The loss must occur within 365 days of the date of the accident which caused Injury. We will pay, provided such disability has continued for a period of 12 consecutive months and is total, continuous and Permanent at the end of this period, the Principal Sum less any other amount paid or payable under: Accidental Death & Dismemberment sections of this Policy, if these coverages are offered under this Policy, as the result of the same Accident.
 
1. Death
100%
2. Permanent Total Disablement
 
Total and irrevocable loss* of
 
(i) Both Hands or both feet
100%
(ii) sight of both eyes
100%
(iii) one entire hand and one entire foot
100%
(iv) Loss of either hand or foot and sight of one eye
100%
(v) Speech and hearing in both ears
100%
(vi) Either hand or foot
50%
(vii) Sight of One eye
50%
(viii) Speech
50%
(ix) Hearing in both ears
50%
(x) Thumb and index finger of the same hand
25%
(xi) Quadriplegia
100%
(xii) Paraplegia
50%
(xiii) Hemiplegia
50%
(xiv) Uniplegia
25%
 
If more than one loss results from any one accident, only one amount, the largest, will be paid.
 
  1. Maternity benefit for termination of pregnancy only
Coverage is towards Inpatient Medical expenses related to termination of pregnancy as a result of physician's advice to terminate pregnancy due to medical reasons and not due to insured person's choice to terminate pregnancy, subject to waiting period of 10 months from the effective date of Policy.

 

  1. Treatment for mental and nervous disorders: including alcoholism and drug dependency
Medical expenses related to treatment for mental and nervous disorders, including alcoholism and drug dependency are covered subject to maximum amount as provided in the schedule of Benefits

 

  1. Cancer screening and mammography examinations
Coverage is towards reasonable and customary charges incurred for the Cancer Screening and   mammographic examination which are done on recommendation of a physician. Any tests done as a part of preventive health check-up are not included under this benefit.

 

  1. Child Care Benefits
Coverage is towards hospitalization of an Insured’s child who is in between the age of 7 days - 90 days and is hospitalized for 2 days or more for any aliment.

 

  1. Coverage for pre-existing conditions Accident & Sickness
Medical expenses due to Pre-existing Condition in case of Life threatening unforeseen emergency subject to maximum amount as provided in the schedule of benefits. In such event, measures solely designed to relieve acute pain, provided to the Insured by the Physician for Disease/accident arising out of a pre-existing condition would be reimbursed. The treatment for these emergency measures would be paid till the insured becomes medically stable or is relieved from acute pain.

 

  1. Ambulance charges
Coverage up to the limits specified under this section of the policy is for Ambulance charges by road from home to hospital and back in the case of illness and from place of accident to hospital and then back to residence when being discharged. In both sickness and accident cases inter hospital shift through ambulance is admissible. Ambulance charges shall be admissible only in the event of an admitted claim under Medical Expenses or Accidental Death and Dismemberment benefit sections.
 
  1. Physiotherapy
Coverage is for the ongoing physiotherapy to treat a disablement due to an accident which treatment continuance is recommended in writing by the treating registered medical practitioner.
 
  1. Loss of Laptop

The Company will indemnify the Insured for the loss due to Theft, subject to sum insured/limit under this section. The claim shall be settled at present market value of the laptop at the time of the loss, which will be arrived at by depreciating the replacement value of the laptop by 25% per annum or any part thereof.

 

  1. Suicide
A onetime payment as mentioned in policy schedule would be offered as benefit in case of death on account of suicide or attempt to suicide. Waiting period for 6 months will be applicable for this benefit since departure from India.
 
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