Overseas
Travel Care Insurance Policy
Overseas Travel Care caters to the long felt
need of the Indian Insurance market for an innovative
and comprehensive travel policy.
This is a Policy for people undertaking overseas
travel. The Policy provides cover for emergency
medical expenses incurred in relation to bodily
injury, sickness, disease or death outside the
Republic of India and for repatriation of the
Insured Person during the period of insurance.
It also provides for personal accident and other
travel related losses such as loss of checked
baggage, passport.
 Scope
of Cover
-
Emergency medical expenses
outside the Republic of India by the Insured
Person for bodily injury, sickness, disease
or death
-
Dental expenses to cover
acute anaesthetic treatment of a natural tooth
or teeth.
-
Extra costs of medically
necessary and prescribed transportation of
the Insured Person from the foreign country
to the Insured Person’s permanent place
of residence or the nearest hospital.
-
Extra costs for an accompanying
person if it is medically necessary that the
Insured Person be accompanied in this way;
this might be a physician, nurse, relative,
friend or colleague.
-
In case of death, extra
cost of transporting the mortal remains of
the deceased back home or the extra costs
required for burial at the place of death
abroad.
-
Total loss of checked baggage
caused by a carrier
-
In the event of loss of
passport, the actual expenses incurred, for
obtaining a duplicate passport.
-
Compensation for death
or permanent / partial disability due to any
accident during the foreign trip caused, solely
and directly, by external, violent and visible
means.
-
Legal liability to pay
for accidental bodily injury to third party.
Types
of policy
The following types of policies are available
- Short Term Cover :-Short term policy is designed
for all your short duration travels upto a maximum
of 180 days per
- Annual Cover: This cover is designed where
the person is a frequent traveler for business
purposes. The proposer may also include his/her
spouse for coverage under this policy. Any number
of foreign trips undertaken during the period
of insurance is covered. However, maximum number
of days in any trip should not be more than
30/45 days.
Assistance Company :-Emergency
assistance service is provided by Euro Alarm,Copenhagen,
Denmark in association with Paramount Health Services
Pvt. Ltd,Mumbai. This service provider is obliged
to provide emergency assistance as well as claims
administration services outside the Republic of
India.
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