Accidental Death (24 hours)
| Coverages | Sum Insured (USD) | Deductibles |
| Accidental Death-24 hours | 20000 | Nil |
We will pay the Principal Sum shown in the Policy Schedule if Injury to You results in loss of life. The loss must occur
under the circumstances described in a Hazard within 365 Days from the date of the Accident which caused Injury.
We will pay, the Principal Sum less any other amount paid or payable under: Accidental Dismemberment including
Paralysis, Permanent Total Disability section of this Policy, if these coverages are offered under this Policy, as the
result of the same Accident
Limitation
With regard to the Accidental Death of an Insured Person Age Seventeen (17) or below, the maximum Principal Sum payable
is 10% of the principal sum insured
Exposure
For the purposes of the Accidental Death benefit above, a loss resulting from You being unavoidably exposed to the
elements due to an Accident occurring under the circumstances described in a Hazard will be payable as if resulting from
an Injury. Loss must occur within 365 Days of the date of the Accident.
Disappearance
We will pay the benefit for Loss of Life under the circumstances described in a Hazard if Your body cannot be located
within 365 Days after the forced landing, stranding, sinking or wrecking of a conveyance in which You were a passenger
or as a result of any Acts of God, in which case it shall be deemed, subject to all other terms and provisions of the
Policy, that You shall have suffered loss of life within the meaning of the Policy.
Exclusions:
In addition to the Exclusions listed in this Policy this coverage section shall not cover:
1. loss caused directly or indirectly, wholly or partly by:
a. infections (except pyogenic infections which shall occur through an Accidental cut or wound) or any other kind of
Disease;
b. medical or surgical treatment except as may be necessary solely as a result of Injury;
2. any Injury which shall result in hernia.
BAGGAGE DELAY
| Coverages | Sum Insured (USD) | Deductibles |
| Delay of Checked-in baggage | 100 | 12 hours |
We will reimburse You for the expense of necessary personal effects, up to the maximum stated in the Policy Schedule,
if Your Checked Baggage is delayed or misdirected by a Common Carrier under the circumstances described in a Hazard during the course of an
Insured Journey for more than the Deductible shown on the Policy Schedule from the time You arrive at the destination stated on Your ticket.
Benefits will be reduced by the amount paid or payable by the responsible Common Carrier. You must be a ticketed passenger on a Common Carrier.
Additionally, all claims must be verified by the Common Carrier who must certify the delay or misdirection.
Definition
Checked Baggage - means a piece of baggage which was checked in and in the custody of a Common Carrier and for which a
claim check has been issued to You by a Common Carrier.
Limitation
If upon further investigation it is later determined that Your baggage checked with the Common Carrier has been lost, any amount claimed
and paid to You under the Baggage Delay Policy Section will be deducted from any payment to due You under the Common Carrier
Baggage Loss or Baggage/Personal Effects Policy Sections, if covered under this Policy.
Exclusions:
In addition to the Exclusions listed in this Policy this coverage section shall not cover any Baggage Delay incurred in the Republic of India.
BAGGAGE LOSS (Common Carrier)
| Coverages | Sum Insured (USD) | Deductibles |
| Loss of Checked-in Baggage (Per article / per baggage limit - 10%/ 50%) | 500 | 0 |
We will pay benefits, in the case of permanent loss of an entire piece of Checked Baggage, held in the care, custody and control of a Common Carrier,
due to theft or due to misdirection by a Common Carrier or due to non- delivery at its destination while You are a ticketed passenger on the Common Carrier
under the circumstances described in a Hazard during the course of an Insured Journey.
Benefits will only be payable in case of the loss of an entire piece of checked baggage, and not for damage to the luggage or partial loss of its contents.
We will reimburse You, subject to the Deductible and up to the maximum shown in the Policy Schedule, for the cost of replacement of the entire baggage and
its contents. All claims must be verified by the Common Carrier.
The maximum amount to be reimbursed per bag is 50%, and the maximum value per article contained in any bag is 10%, of the amount stated in the Policy Schedule.
There is also a combined maximum limit of 10% of the amount stated in the Policy Schedule for the following: jewelry, watches, articles consisting in whole
or in part of silver, gold or platinum, furs, articles trimmed with or made mostly of fur.
Definition
Checked Baggage - means a piece of baggage which was checked in and in the custody of a Common Carrier and for which a claim check has been issued to You
by a Common Carrier.
Documented Loss - means police or other local authority reports or documentation from the appropriate party responsible for the loss.
Limitation
Benefits for Baggage Loss will be in excess of any amount paid or payable by the Common Carrier responsible for the loss.
Benefits for Baggage Loss will be in excess of all other valid and collectible insurance. If at the time of the occurrence of any loss there is other
valid and collectible insurance in place, We will be liable only for the excess of the amount of loss, over the amount of such other insurance,
and any applicable Deductible.
Exclusions:
In addition to the Exclusions listed in this Policy this coverage section shall not cover any Non- Documented Loss and We will not be liable under
this section for any: -
1. excluded classes of property: animals, motor vehicles (including accessories), motorcycles, boats, motors, any conveyance,
(except bicycles while checked as baggage with a Common Carrier), snow skis, household effects, antiques, electronic equipment such as computers
(including software and accessories), personal data assistants or handheld computers, cellular phones, digital video disc player, compact disc player,
video camcorder, cameras, eyeglasses or sunglasses, contact or corneal lenses, artificial teeth, bridges or prosthetic limbs, hearing aids, money,
securities such as credit cards, debit cards, checks, traveler checks, membership cards, tickets or documents, business goods or samples, data recorded
on tapes, cards, discs or otherwise, musical instruments, perishables and consumables;
2. loss to property insured under any other insurance policy, or otherwise reimbursed by a Common Carrier;
3. loss of Your baggage sent in advance or souvenirs and articles mailed or shipped separately.
Emergency Dental Expense
| Coverages | Sum Insured (USD) | Deductibles |
| Emergency Medical Dental | 250 | 100 |
We will pay benefits for the Reasonable and Customary Charges, subject to the Deductible, shown in the Policy Schedule, actually incurred if as a result
of sudden acute pain, which occurs without warning to one or more of Your Sound Natural Teeth requiring Immediate Dental Treatment under circumstances
described in a Hazard during the course of an overseas Insured Journey. Dental benefits will be provided for Medically Necessary filling of the tooth or
surgical treatment, services, or supplies, subject to the per tooth and per occurrence maximum amounts shown in the Policy Schedule. Dental benefits shall be
limited to treatment sustained to Sound Natural Teeth. Covered emergency dental expenses are those incurred overseas, under the circumstances described in a
Hazard during the Insured Journey within 30 Days of date of the first treatment.
Definition
Immediate Dental Treatment – means treatment commencing within 24 hours of the time and date the sudden acute pain first occurs.
Exclusions:
In addition to the Exclusions listed in this Policy, this coverage section shall not cover Immediate Dental Treatment in the Republic of India.
Emergency Medical Evacuation
| Coverages | Sum Insured (USD) | Deductibles |
| Emergency Medical Evacation | 5000 | 0 |
We will pay the Reasonable and Customary Charges up to the maximum shown in the Policy Schedule for covered expenses incurred under the circumstances described
in a Hazard during the course of an overseas Insured Journey if, Injury or Sickness results in Your necessary Emergency evacuation. An Emergency Evacuation
must be ordered by the Assistance Company or a Physician who certifies that the severity or the nature of Your Injury or Sickness warrants
Your Emergency Evacuation.
Covered expenses are those for Transportation and medical treatment, including medical services and medical supplies necessarily incurred in connection with
Your Emergency Evacuation. All Transportation arrangements made for evacuating You must be by the most direct and economical route possible.
Expenses for Transportation must be:
(a) recommended by the attending Physician;
(b) required by the standard regulations of the conveyance transporting You; and
(c) arranged and authorized in advance by the Assistance Company.
Definition
Emergency Evacuation - means: (a) Your medical condition warrants immediate Transportation from the place where You are injured or sick to the nearest
Hospital where appropriate medical treatment can be obtained; (b) after being treated at a local Hospital, Your medical condition warrants Transportation
to the country where the Insured Journey commenced to obtain further medical treatment or to recover; or (c) both (a) and (b) above.
Transportation - means any land, water or air conveyance required to transport You during an Emergency Evacuation. Transportation includes,
but is not limited to, air ambulances, land ambulances and private motor vehicles.
HIJACKING
| Coverages | Sum Insured (USD) | Deductibles |
| Hijack Daily Allowance (USD 50 per day, Max 10 days) | 500 | 24 hours |
We will pay You a distress allowance as shown in the Policy Schedule for every 24 hour period during which any Common Carrier
in which You are travelling has been Hijacked under the circumstances described in a Hazard during the course of an Insured Journey,
where as a direct consequence, Your Insured Journey has been disrupted up to the maximum amount stated in the Policy Schedule.
Definition
Hijacked - means the unlawful seizure or wrongful exercise of control of an aircraft or other Common Carrier, or the crew thereof,
in which You are travelling as a passenger.
LOSS OF PASSPORT
| Coverages | Sum Insured (USD) | Deductibles |
| Loss of Passport | 200 |
We will reimburse You, subject to any Deductible, if You lose Your passport under the circumstances described in a Hazard during the course of an
Insured Journey and incur necessary and reasonable expenses in connection with obtaining a duplicate or new passport up to the maximum stated in the
Policy Schedule. The Deductible, if any, shall apply to each insured event and shall be borne by You.
Exclusions
In addition to the Exclusions listed in this Policy this coverage section shall not cover and We will not be liable under this section for any:
1. loss or damage to passport due to delay or from confiscation or detention by customs, police or other authority;
2. theft which is not reported to any appropriate police authority within 24 hours of discovery and an official report obtained;
3. loss or theft of passport left unattended by You unless located in a locked hotel room or apartment and an appropriate sized safety deposit box was not available
Medical Expenses – Accident and Illness (50000)
| Coverages | Sum Insured (USD) | Deductibles |
| Medical Expenses - Accident and Illness | 50000 | 100 |
We will pay the Reasonable and Customary Charges, subject to the Deductible shown in the Policy Schedule, for Covered Medical Expenses
incurred overseas by You for medical services which are not due to a Pre-existing disease up to the maximum amount and benefit period
stated in the Policy Schedule for the treatment of an Injury or Sickness sustained by You under the circumstances described in a Hazard during
an Insured Journey while this Policy is in effect.
Any medical services or series of services incurred overseas with a cost greater than $1 shall not be covered by this Policy unless You consult with the
Assistance Company and the cost for such services are authorized in advance by the Assistance Company.
Definition
Covered Medical Expenses - means expenses incurred overseas by You for medical services and supplies which are recommended by the attending Physician.
They include:
(a) the services of a Physician;
(b) Hospital confinement and use of operating room;
(c) anesthetics (including administration), x-ray examinations or treatments, and laboratory tests;
(d) ambulance service;
(e) drugs, medicines, and therapeutic services and supplies;
(f) dental treatment resulting from Injury sustained to Sound Natural Teeth subject to the per tooth and per occurrence maximums shown in the Policy Schedule.
Exclusions
In addition to the Exclusions listed in this Policy this coverage section shall not cover:
1. services, supplies, or treatment, including any period of Hospital confinement, which were not recommended, approved, and certified as Medically
Necessary by a Physician; or
2. routine physicals or other examinations where there are no objective indications of impairment in normal health, and laboratory diagnostic or X-ray
examinations except in the course of a disability established by the prior call or attendance of a Physician; or elective, cosmetic, or plastic surgery,
except as a result of an Injury caused by a covered Accident while Our Policy is in force; or
3. dental care, except as a result of Injury caused by Accident to Sound Natural Teeth while this Policy is in effect; or
4. expenses incurred in connection with weak, strained, or flat feet, corns, calluses, or toenails; or
5. the diagnosis and treatment of acne; or
6. deviated septum, including sub mucous resection and/or other surgical correction thereof; or
7. organ transplants that are considered experimental in nature; or
8. well child care including exams and immunizations; or
9. expenses which are not exclusively medical in nature; or
10. any expenses incurred in India unless authorized and approved by Us in advance; or
11. eyeglasses, contact lenses, hearing aids, and examination for the prescription or fitting thereof, unless Injury or Sickness has caused impairment of
vision or hearing; or
12. treatment provided in a government Hospital or services for which no charge is normally made; or
13. rest cures; or
14. pregnancy and all related conditions, including services and supplies related to the diagnosis or treatment of infertility or other problems related to
inability to conceive a child; birth control, including surgical procedures and devices; or
15. medical expenses covered under any workers’ compensation or similar policy; or
16. medical expenses incurred as the result of alcohol and/or drug abuse, addiction or overdose; or
17. therapeutic services unless conclusive scientific evidence proves, as determined by Us, that it improves health outcome; or
18. expenses incurred for Emergency Medical Evacuation.
Medical Expenses – Accident and Illness (100000)
| Coverages | Sum Insured (USD) | Deductibles |
| Medical Expenses - Accident and Illness | 100000 | 100 |
We will pay the Reasonable and Customary Charges, subject to the Deductible shown in the Policy Schedule, for Covered Medical Expenses
incurred overseas by You for medical services which are not due to a Pre-existing disease up to the maximum amount and benefit period
stated in the Policy Schedule for the treatment of an Injury or Sickness sustained by You under the circumstances described in a Hazard during
an Insured Journey while this Policy is in effect.
Any medical services or series of services incurred overseas with a cost greater than $1 shall not be covered by this Policy unless You consult with the
Assistance Company and the cost for such services are authorized in advance by the Assistance Company.
Definition
Covered Medical Expenses - means expenses incurred overseas by You for medical services and supplies which are recommended by the attending Physician.
They include:
(a) the services of a Physician;
(b) Hospital confinement and use of operating room;
(c) anesthetics (including administration), x-ray examinations or treatments, and laboratory tests;
(d) ambulance service;
(e) drugs, medicines, and therapeutic services and supplies;
(f) dental treatment resulting from Injury sustained to Sound Natural Teeth subject to the per tooth and per occurrence maximums shown in the Policy Schedule.
Exclusions
In addition to the Exclusions listed in this Policy this coverage section shall not cover:
1. services, supplies, or treatment, including any period of Hospital confinement, which were not recommended, approved, and certified as Medically
Necessary by a Physician; or
2. routine physicals or other examinations where there are no objective indications of impairment in normal health, and laboratory diagnostic or X-ray
examinations except in the course of a disability established by the prior call or attendance of a Physician; or elective, cosmetic, or plastic surgery,
except as a result of an Injury caused by a covered Accident while Our Policy is in force; or
3. dental care, except as a result of Injury caused by Accident to Sound Natural Teeth while this Policy is in effect; or
4. expenses incurred in connection with weak, strained, or flat feet, corns, calluses, or toenails; or
5. the diagnosis and treatment of acne; or
6. deviated septum, including sub mucous resection and/or other surgical correction thereof; or
7. organ transplants that are considered experimental in nature; or
8. well child care including exams and immunizations; or
9. expenses which are not exclusively medical in nature; or
10. any expenses incurred in India unless authorized and approved by Us in advance; or
11. eyeglasses, contact lenses, hearing aids, and examination for the prescription or fitting thereof, unless Injury or Sickness has caused impairment of
vision or hearing; or
12. treatment provided in a government Hospital or services for which no charge is normally made; or
13. rest cures; or
14. pregnancy and all related conditions, including services and supplies related to the diagnosis or treatment of infertility or other problems related to
inability to conceive a child; birth control, including surgical procedures and devices; or
15. medical expenses covered under any workers’ compensation or similar policy; or
16. medical expenses incurred as the result of alcohol and/or drug abuse, addiction or overdose; or
17. therapeutic services unless conclusive scientific evidence proves, as determined by Us, that it improves health outcome; or
18. expenses incurred for Emergency Medical Evacuation.
Medical Expenses – Accident and Illness (250000)
| Coverages | Sum Insured (USD) | Deductibles |
| Medical Expenses - Accident and Illness | 250000 | 100 |
We will pay the Reasonable and Customary Charges, subject to the Deductible shown in the Policy Schedule, for Covered Medical Expenses
incurred overseas by You for medical services which are not due to a Pre-existing disease up to the maximum amount and benefit period
stated in the Policy Schedule for the treatment of an Injury or Sickness sustained by You under the circumstances described in a Hazard during
an Insured Journey while this Policy is in effect.
Any medical services or series of services incurred overseas with a cost greater than $1 shall not be covered by this Policy unless You consult with the
Assistance Company and the cost for such services are authorized in advance by the Assistance Company.
Definition
Covered Medical Expenses - means expenses incurred overseas by You for medical services and supplies which are recommended by the attending Physician.
They include:
(a) the services of a Physician;
(b) Hospital confinement and use of operating room;
(c) anesthetics (including administration), x-ray examinations or treatments, and laboratory tests;
(d) ambulance service;
(e) drugs, medicines, and therapeutic services and supplies;
(f) dental treatment resulting from Injury sustained to Sound Natural Teeth subject to the per tooth and per occurrence maximums shown in the Policy Schedule.
Exclusions
In addition to the Exclusions listed in this Policy this coverage section shall not cover:
1. services, supplies, or treatment, including any period of Hospital confinement, which were not recommended, approved, and certified as Medically
Necessary by a Physician; or
2. routine physicals or other examinations where there are no objective indications of impairment in normal health, and laboratory diagnostic or X-ray
examinations except in the course of a disability established by the prior call or attendance of a Physician; or elective, cosmetic, or plastic surgery,
except as a result of an Injury caused by a covered Accident while Our Policy is in force; or
3. dental care, except as a result of Injury caused by Accident to Sound Natural Teeth while this Policy is in effect; or
4. expenses incurred in connection with weak, strained, or flat feet, corns, calluses, or toenails; or
5. the diagnosis and treatment of acne; or
6. deviated septum, including sub mucous resection and/or other surgical correction thereof; or
7. organ transplants that are considered experimental in nature; or
8. well child care including exams and immunizations; or
9. expenses which are not exclusively medical in nature; or
10. any expenses incurred in India unless authorized and approved by Us in advance; or
11. eyeglasses, contact lenses, hearing aids, and examination for the prescription or fitting thereof, unless Injury or Sickness has caused impairment of
vision or hearing; or
12. treatment provided in a government Hospital or services for which no charge is normally made; or
13. rest cures; or
14. pregnancy and all related conditions, including services and supplies related to the diagnosis or treatment of infertility or other problems related to
inability to conceive a child; birth control, including surgical procedures and devices; or
15. medical expenses covered under any workers’ compensation or similar policy; or
16. medical expenses incurred as the result of alcohol and/or drug abuse, addiction or overdose; or
17. therapeutic services unless conclusive scientific evidence proves, as determined by Us, that it improves health outcome; or
18. expenses incurred for Emergency Medical Evacuation.
Medical Expenses – Accident and Illness (500000)
| Coverages | Sum Insured (USD) | Deductibles |
| Medical Expenses - Accident and Illness | 500000 | 100 |
We will pay the Reasonable and Customary Charges, subject to the Deductible shown in the Policy Schedule, for Covered Medical Expenses
incurred overseas by You for medical services which are not due to a Pre-existing disease up to the maximum amount and benefit period
stated in the Policy Schedule for the treatment of an Injury or Sickness sustained by You under the circumstances described in a Hazard during
an Insured Journey while this Policy is in effect.
Any medical services or series of services incurred overseas with a cost greater than $1 shall not be covered by this Policy unless You consult with the
Assistance Company and the cost for such services are authorized in advance by the Assistance Company.
Definition
Covered Medical Expenses - means expenses incurred overseas by You for medical services and supplies which are recommended by the attending Physician.
They include:
(a) the services of a Physician;
(b) Hospital confinement and use of operating room;
(c) anesthetics (including administration), x-ray examinations or treatments, and laboratory tests;
(d) ambulance service;
(e) drugs, medicines, and therapeutic services and supplies;
(f) dental treatment resulting from Injury sustained to Sound Natural Teeth subject to the per tooth and per occurrence maximums shown in the Policy Schedule.
Exclusions
In addition to the Exclusions listed in this Policy this coverage section shall not cover:
1. services, supplies, or treatment, including any period of Hospital confinement, which were not recommended, approved, and certified as Medically
Necessary by a Physician; or
2. routine physicals or other examinations where there are no objective indications of impairment in normal health, and laboratory diagnostic or X-ray
examinations except in the course of a disability established by the prior call or attendance of a Physician; or elective, cosmetic, or plastic surgery,
except as a result of an Injury caused by a covered Accident while Our Policy is in force; or
3. dental care, except as a result of Injury caused by Accident to Sound Natural Teeth while this Policy is in effect; or
4. expenses incurred in connection with weak, strained, or flat feet, corns, calluses, or toenails; or
5. the diagnosis and treatment of acne; or
6. deviated septum, including sub mucous resection and/or other surgical correction thereof; or
7. organ transplants that are considered experimental in nature; or
8. well child care including exams and immunizations; or
9. expenses which are not exclusively medical in nature; or
10. any expenses incurred in India unless authorized and approved by Us in advance; or
11. eyeglasses, contact lenses, hearing aids, and examination for the prescription or fitting thereof, unless Injury or Sickness has caused impairment of
vision or hearing; or
12. treatment provided in a government Hospital or services for which no charge is normally made; or
13. rest cures; or
14. pregnancy and all related conditions, including services and supplies related to the diagnosis or treatment of infertility or other problems related to
inability to conceive a child; birth control, including surgical procedures and devices; or
15. medical expenses covered under any workers’ compensation or similar policy; or
16. medical expenses incurred as the result of alcohol and/or drug abuse, addiction or overdose; or
17. therapeutic services unless conclusive scientific evidence proves, as determined by Us, that it improves health outcome; or
18. expenses incurred for Emergency Medical Evacuation.
OVERSEAS ASSISTANCE SERVICES
| Coverages | Sum Insured (USD) | Deductibles |
| Overseas Assistance Services | Included |
Assistance Company will provide the following services as described below.
Medical Assistance - As soon as the Assistance Company is notified of a medical emergency resulting from Your Accident or Sickness, the Assistance Company
will contact the medical facility or location where You are located and confer with the Physician at that location to determine the best course of action to
be taken. If possible and if appropriate, Your family Physician will be contacted to help arrive at a decision as to the best course of action to be taken.
The Assistance Company will then organize a response to the medical emergency, doing whatever is appropriate, including, but not limited to, recommending or
securing the availability of services of a local Physician and arranging Hospital confinement of You where, in its discretion, deems such confinement
appropriate.
Medical Evacuation - When, in the opinion of the Assistance Company’s medical panel, it is judged medically appropriate to move You to another location for
treatment or return You to India, the Assistance Company will arrange the evacuation, utilizing the means best suited to do so, based on the medical evaluation
of the seriousness of Your condition, and these means may include air ambulance, surface ambulance, regular airplane, railroad or other appropriate means.
All decisions as to the means of transportation and final destination will be made by the Assistance Company.
Repatriation - the Assistance Company agrees to make the necessary arrangements for the return of Your remains to India in the event You die while this
service agreement is in effect as to You.
Legal Assistance - If You are arrested or are in danger of being arrested as the result of any non-criminal action resulting from responsibilities attributed
to You, Assistance Company will, if required, provide You with the name of an attorney who can represent You in any necessary legal matters.
Lost Luggage or Lost Passport - If You, outside India, notify the Assistance Company that Your luggage or passport has been lost, the Assistance Company will
endeavor to assist You by contacting the appropriate authorities involved and providing direction for replacement.
General Assistance - the Assistance Company will serve as a central point for translation and communication for You during emergencies.
The Assistance Company agrees to provide to You advice on contacting and using services available from consulates, government agencies, translators and other
service providers that can help with travel problems. In addition, the Assistance Company will provide insurance coordination, verifying coverage of You,
guaranteeing payment to the medical provider, based on confirmation of benefits, a charge to credit card(s) and coordinating the payments, documentation
and translation to ease claim filing when You return to India.
Pre-Departure Services - prior to Your departure, upon request the Assistance Company will provide hazard information about foreign locations, information
about immunization requirements and passport or visa requirements, general information about weather and State Department and private service warnings about
travel to certain locations. The Assistance Company will also arrange for special medical care en-route (i.e. dialysis, wheelchairs, etc.).
Subject to receiving reasonable notice of this request.
Emergency Travel Agency - the Assistance Company agrees to provide You with 24 hour travel agency service for airline and hotel reservations.
The Assistance Company will also arrange payment for Your airline tickets and other travel services, using Your credit cards. Prepaid ticket pickup at
airline counters or ticket delivery by mail or courier will also be arranged by the Assistance Company for You
Emergency Cash Transfers and Advances - the Assistance Company will arrange for cash payments to You through a variety of sources, including credit cards,
hotels, banks, consulates and Western Union. The Assistance Company provides this service to supplement the facilities of Your credit cards. Credit card
transactions performed by the Assistance Company are subject to confirmed credit
Disclaimer of Liability
In all cases of Assistance rendered under this policy, The Company/ The Assistance Company assumes no liability/ responsibility whatsoever, in the event,
the insured chooses to avail such facility/recommendations.. The Assistance Company assumes no responsibility for any medical advice or legal counsel given by
the medical professional or attorney. You shall not have any recourse to the Assistance Company by reason of its suggestion of a medical professional or attorney
or due to any legal or other determination resulting therefrom.
You are responsible for the cost of services arranged by the Assistance Company on behalf of You or a covered Immediate Family Member.
The Assistance Company will access this Policy and/or other insurance policy benefits to which You may be entitled, and/or Your credit cards or other
forms of financial guarantees provided by You, in order to facilitate payment for such services.
Permanent Partial Disability
| Coverages | Sum Insured (USD) | Deductibles |
| Permanent Partial Disability | 20000 |
When as the result of Injury occurring under the circumstances described in a Hazard and commencing within 365 Days from the date of the Accident You suffer a Permanent Partial Disability, We will pay, provided such disability has continued for a period of 12 consecutive months and is continuous and Permanent at the end of this period, a percentage of the Principal Sum shown in the Policy Schedule if Injury to You results in one of the losses shown in the Scale below less any other amount paid or payable under the Accidental Dismemberment, or Permanent Total Disability, or Permanent Total Loss of Use sections of this Policy as the result of the same Accident.
| Type of Permanent Partial Disability | Percentage (%) of Sum Insured (as specified in Policy Schedule/ Certificate of Insurance) | |
| 1. | Loss of Toes – all | 20% |
| 2. | Loss of Great Toe | 5% |
| 3. | Other than great toe, if more than one toe lost, each | 1% |
| 4. | Loss of Hearing - both ears | 50% |
| 5. | Loss of hearing – one ear | 25% |
| 6. | Loss of four fingers and thumb of one hand | 40% |
| 7. | Loss of four fingers | 25% |
| 8. | Loss of thumb | 15% |
| 9. | Loss of index finger | 10% |
| 10. | Loss of middle finger | 6% |
| 11. | Loss of Ring Finger | 5% |
| 12. | Loss of little finger | 4% |
“Loss” with regard to:
(a) toe, finger, thumb means actual complete severance from the foot or hand;
(b) hearing means entire and irrecoverable loss of hearing.
When more than one form of disability results from one Accident, We add the percentages from each together. However, We will not pay more than 100% of
the Sum Insured shown in the Policy Schedule.
If claim is payable for loss or loss of use of a whole member of the body, a claim for parts of that member cannot also be made.
We will assess at our discretion any disability not specifically mentioned by considering the nature of the disability alongside the percentages given to
the specific types of disability above. The Insured Person’s occupation will not be a relevant factor.
If the Insured Person has an existing medical condition and they suffer Injury , We will assess:
(a) whether the Insured Person’s medical condition has contributed to their disability; and
(b) whether the disability makes the Insured Person’s medical condition worse.
In either case We will assess the difference between the Insured Person’s medical condition before, and their disability after the Accident.
Any payment We make will be based on the difference, expressed as a percentage, and applied to the appropriate benefit above or in the Scale.
Definition
Permanent - means lasting twelve calendar months and at the expiry of that period being beyond reasonable hope of improvement.
Permanent Partial Disability - means the Insured Person has suffered a Permanent loss of physical function or anatomical loss of use of a body part,
substantiated by a diagnosis from a Physician.
Exclusions
In addition to the Exclusions listed in this Policy this coverage section shall not cover loss caused directly or indirectly, wholly or partly by:
1. infections (except pyogenic infections which shall occur through an Accidental cut or wound) or any other kind of Disease;
2. medical or surgical treatment except as may be necessary solely as a result of Injury.
Permanent Total Disability
| Coverages | Sum Insured (USD) | Deductibles |
| Permanent Total Disability | 20000 |
When as the result of Injury occurring under the circumstances described in a Hazard and commencing within 365 Days from the date of the Accident
You suffer a Permanent Total Disability, 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, or Accidental
Dismemberment, or Permanent Partial Disability, or Permanent Total Loss of Use sections of this Policy, if these coverages are offered under this Policy,
as the result of the same Accident.
Definition
Permanent - means lasting twelve calendar months and at the expiry of that period being beyond reasonable hope of improvement.
Permanent Total Disability - means You are unable to engage in each and every occupation or employment for compensation or profit for which You are
reasonably qualified by education, training or experience for the rest of your life. If at the time of loss You are unemployed, Permanent Total Disability
shall mean the total and Permanent inability to perform all of the usual and customary duties and activities of a person of like age and sex.
Repatriation of Mortal Remains
| Coverages | Sum Insured (USD) | Deductibles |
| Repatriation of Mortal Remains | 7000 |
We will pay benefits up to the amount stated in the Policy Schedule for covered expenses reasonably incurred to return Your body to Your place of residence
in India if You die under the circumstances described in a Hazard during the course of an overseas Insured Journey. Benefits will not exceed the maximum shown
in the Policy Schedule. All Repatriation of Remains arrangements must be approved in advance by the Assistance Company. Covered expenses include, but are not
limited to, expenses for:
(a) embalming;
(b) cremation;
(c) coffins; and
(d) transportation.