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Buy Travel Insurance For Your Trip Online | Royal Sundaram
Travel Plans Available
Travel Insurance Plans Available
These coverage’s of our travel insurance plans are especially designed to enhance the level of protection offered in the basic cover.
Leisure Trip
A comprehensive plan for a holiday abroad, with SI starting from 50,000 USD up to 10 lac USD.
Multi Trip
A customized annual plan for frequent business travelers who undertake multiple trips in a year.
Student
A very useful annual plan for all students going abroad for studies, duration of which can be from 1 to 7 years.
Asia
An affordable plan exclusively for travel within Asia.
Senior Citizen
A tailor made plan for members aged 71 and above.
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Key Features
Key Features
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.
- Worldwide including Americas (Americas include North, Central, South America and Canada. Option to include Schengen countries)
- Worldwide excluding Americas (Option to include Schengen countries)
- Asia* (excluding Korea and Japan)
(* Coverage to Korea and Japan shall be available under Worldwide including/excluding Americas category)
Age Eligibility
Age Eligibility
| Plans | Adult | Children |
| Leisure, Multi trip and Asia plans | 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. | The minimum entry age under this policy is 91 days. |
| Senior Citizen Plan | Minimum entry age is 71 years. There is no maximum entry age. | N.A. |
| Student Plan | Maximum entry age is 40 years at the commencement date of the policy | Minimum entry age is 12 years |
Key Benefits (New)
Our Travel Insurance - Key Benefits
| Product Benefits - Leisure Trip | ||
| Medical Expenses (including medical evacuation) | Sickness Dental Relief | Accidental Death and Dismemberment Benefit (24 hrs) |
| Repatriation of Mortal Remains | Delay of Checked-in Baggage | Loss of Checked-in Baggage |
| Loss of Passport Benefit | Personal Liability Benefit | Trip Delay Benefit |
| Hijacking Benefit | Assistance Services | Daily Cash Allowance in case of hospitalization beyond 2 days |
| Accidental Death and Dismemberment Benefit (Common Carrier) | Automatic extension of policy upto 7 days | Emergency cash advance |
| Trip Cancellation | Trip Curtailment | Missed Connections/Missed Departures |
| Bounced Hotel/Airline Booking | Political risk and Catastrophe evacuation | Compassionate Visit |
| Emergency Hotel Extension | Loss of Baggage and Personal Effects | Return of Minor |
| Difference in Airfare due to delayed or early return | Personal Liability Benefit | Home Content Insurance (in INR) |
| Product Benefits - Multi Trip | ||
| Medical Expenses (including medical evacuation) | Sickness Dental Relief | Accidental Death and Dismemberment Benefit (24 hrs) |
| Repatriation of Mortal Remains | Delay of Checked-in Baggage | Loss of Checked-in Baggage |
| Loss of Passport Benefit | Personal Liability Benefit | Trip Delay Benefit |
| Hijacking Benefit | Assistance Services | Daily Cash Allowance in case of hospitalization beyond 2 days |
| Accidental Death and Dismemberment Benefit (Common Carrier) | Automatic extension of policy upto 7 days | Emergency cash advance |
| Trip Cancellation | Trip Curtailment | Missed Connections/Missed Departures |
| Bounced Hotel/Airline Booking | Political risk and Catastrophe evacuation | Compassionate Visit |
| Personal Liability Benefit | Difference in Airfare due to delayed or early return | |
| Product Benefits - Senior Citizen | ||
| Medical Expenses (including medical evacuation) | Sickness Dental Relief | Accidental Death and Dismemberment Benefit (24 hrs) |
| Repatriation of Mortal Remains | Delay of Checked-in Baggage | Loss of Checked-in Baggage |
| Loss of Passport Benefit | Personal Liability Benefit | Trip Delay Benefit |
| Hijacking Benefit | Assistance Services | Emergency cash advance |
| Trip Cancellation | Missed Connections/Missed Departures | Political risk and Catastrophe evacuation |
| Difference in Airfare due to delayed or early return | ||
| Product Benefits - Asia | ||
| Medical Expenses (including medical evacuation) | Sickness Dental Relief | Accidental Death and Dismemberment Benefit (24 hrs) |
| Repatriation of Mortal Remains | Delay of Checked-in Baggage | Loss of Checked-in Baggage |
| Loss of Passport Benefit | Personal Liability Benefit | Trip Delay Benefit |
| Hijacking Benefit | Assistance Services | Accidental Death and Dismemberment Benefit (Common Carrier) |
| Emergency cash advance | Trip Cancellation | Compassionate Visit |
| Product Benefits - Student | ||
| Medical Expenses (including medical evacuation) | Sickness Dental Relief | Accidental Death and Dismemberment Benefit (24 hrs) |
| Repatriation of Mortal Remains | Delay of Checked-in Baggage | Loss of Checked-in Baggage |
| Loss of Passport Benefit | Personal Liability Benefit | Trip Delay Benefit |
| Hijacking Benefit | Assistance Services | Missed Connections/Missed Departures |
| Compassionate Visit | Study Interruption | Sponsor Protection |
| Bail Bond | Felonious Assault (Accidental Death and Dismemberment) | Maternity benefit for termination of pregnancy only |
| Treatment for mental and nervous disorders: including alcoholism and drug dependency | Cancer screening and mammography examinations | Child Care Benefits |
| Coverage for pre-existing conditions Accidental & Sickness | Ambulance Charges | Physiotherapy |
| Loss of Laptop | Suicide | |
Claim Process
Travel Secure - Claims Process
Please click on the links below to know about the claim process for each plan
Travel New FAQ
Travel Insurance Plan Common Queries (FAQ’S)
Questions about Travel Insurance? Get your answers here.
Cover under Travel Secure is available on an Individual basis and not on Family Floater basis.
The premium payable shall be based on your age, country of visit and number of days of travel. The applicable premium shall be remitted as a single payment. Please refer to the ‘Plans & Premium’ section for the complete premium grid.
Cover commences from the time the insured person boards the conveyance to leave for onward overseas journey or the Contracted Departure Date as per the policy whichever is later, subject to receipt of premium by us.At the time of taking the policy, customer should be in India.
The coverage shall end on occurrence of any one of the instances as mentioned in the table below.
| Event | Parameter |
| End of coverage term | Cover under this policy ends when the Insured Person first disembarks on return to India or the Contracted Return Date or the date of expiry of Insurance whichever is earlier. |
| Cancellation of policy |
Insured person will be requested to produce passport copy as a proof that the journey has not been undertaken. Further, any request for cancellation will be entertained up to 14 days after the first day of insurance as indicated in the schedule of the policy subject to a deduction of Rs.250/- b)When insured returns earlier than the original scheduled date of arrival as specified in the policy, premium will be refunded subject to the condition that no claim is lodged during that period. We will refund premium based on the refund table structure specified in the policy. The Insured Person has to produce the Passport as proof of the Trip Days undertaken during the Policy Period. |
| Fraudulent event/non-cooperation | The policy when cancelled/not renewed on grounds of fraud, moral hazard or misrepresentation or non-cooperation by the Insured. |
You would get the policy terms and conditions together with a certificate detailing the insurance coverage details. This will be emailed to you, as soon as you purchase the policy. Soft copy of the policy document is sufficient for you to make a claim.
- The rates are subject to change based on IRDAI's approval.
- The rates can be increased or decreased depending on extent of currency fluctuation. The current pricing is within the range of 61-70 (Rupee to Dollar value)
- For every 5% variation in this range at the end of every quarterly period to the base rate filed, the prices will be increased or decreased by 3%. If the fluctuation remains within this range i.e. Rs,61 – Rs.70 then, no change in premium pricing is proposed. If the threshold is breached on the lower or on the higher side by 5%, then the premium rates will be increased/decreased by 3%. In case of any rate correction with the above formulae, it will be published on our website.
- To give an example, if on 1.4.2016, if the USD to INR rate is Rs.61 and on 30.6.2016, the conversion rate goes up to Rs.73, which is a 4% increase from the Rs.70 higher range threshold, then there will be no increase in the rates. If on 30.9.16, if the rate goes up to Rs.75, then the increase is 7% which will call for a 3% increase in the rates wef 1.10.16. If on 31.12.16, if the rate goes down to Rs.64, then rates will revert to their original position which is a 3% decrease from the current rate. If on 31.3.17, the rate goes down further to Rs. 56, which is 8% decrease from the lower range threshold of Rs. 61, there will be a 3% decrease in prices.
Free look provision is applicable only in respect of an annual multi trip policy and annual student policy. At the inception of the policy, provided the trip has not commenced, insured will be allowed a period of 15 days (30 days for Telesales, Online and Web aggregators) from the date of receipt of the policy to review the terms and conditions of the policy and to return the same if not acceptable. Insured will be entitled to the following, provided no claim has been reported, settled or lodged for the period the policy has been in force: a. A refund of the premium paid less stamp duty charges or; b. where the risk has already commenced and the option of return of the policy is exercised, a deduction towards the proportionate risk premium for period on cover or; c. Where only a part of the risk has commenced, such proportionate risk premium commensurate with the risk covered during such period. However, please note free look is not applicable in the case of renewals. Free look cancellation as per provisions of Health Regulations.
A policy issued under Asia plan can be extended based on request much prior to the expiry of the policy. Subject to no claim having been reported and confirmation of good health by the insured person, the company will inform the additional premium applicable which will be difference between the premium applicable for the total extended period less the premium already paid. Upon receipt of premium prior to expiry of the period specified in the policy, company will issue an endorsement extending the policy upto the permissible extended period. The maximum number of days that can be covered including extension shall not exceed 360 days in respect Asia Plan.
Cancellation of policy by the Insured Person may be done only in the following cases, a. Where a journey is not undertaken and only on production of the Insured Person’s passport as a proof that the journey has not been undertaken. Any request for cancellation will be entertained up to 14 days after the first day of insurance as indicated in the schedule of the policy subject to a deduction of Rs.250/- b. In case of an early return of the insured person under this policy prior to expiry of the policy period the company will refund premium as per the following structure. No refund of premium or part thereof will be allowed if any claim has been made under the policy before invoking cancellation request.
The Insured Person has to produce the Passport as proof of the Trip Days undertaken during the Policy Period. The Company may also cancel the Policy on grounds of misrepresentation, fraud, non-disclosure of material fact relating to this insurance of the insured or non-cooperation by the insured by sending seven days’ notice in writing by Registered A/D to the insured at his last known address in which case the Company shall not refund to the insured any portion of the premium.
| S.No. | Actual travel period on risk | Rate of premium to be retained |
| 1 | More than 50% | 100% |
| 2 | Between 41 – 50% | 80% |
| 3 | Between 31 – 40% | 75% |
| 4 | Between 21 – 30% | 60% |
| 5 | From inception to 20% | 50% |
Afghanistan, Myanmar (Burma), Democratic Republic of Congo, East Timor, Eritrea, Iran, Iraq, Liberia, Libya, North Korea, Rwanda, Sierra Leone, Somalia, Sudan, Syria, Yeman, Congo, Republic of (Brazzaville), Timor-Leste (East Timor), Zaire , Pakistan The list of declined countries may undergo change from time to time depending on the geo-political situation in the respective country. Any revision to the country list shall be updated on our website every quarter.
In order to make a travel insurance claim, the policy holder needs to furnish the following documents:
- The original claim form needs to be signed and duly filled up by the policy holder. Wherever required, it needs to include Medical Practitioner’s format.
- The policy holder needs to furnish all the bills and vouchers in reference to the claim.
- A copy of air tickets and boarding pass needs to be attached along with a passport copy specifying travel dates, visa stampings and stamping of entry and exit.
- Also, a cancelled cheque leaf of the SB account that’s under the name of policy holder for effecting a NEFT settlement
- You need to provide any other document required by the company while in the process as per the nature of the claim
In case of medical expenses, if the insured person seeks cashless claims under their overseas travel insurance policy, the company needs to be prior informed. In any case, the information needs to be provided before the discharge of the hospital.
In case of reimbursement claims, the insured person needs to inform about the situation and the claim to the insurer. The identity of the policy holder would be verified through his/her passport number. The policy can also be presented to the hospital or concerned physician at the time of admission.
For more details on the subject, you can call 1860 425 0000 or check our travel insurance online page on our company website.
When you sign up for good enough travel insurance, they’ll be covered for a personal liability. When you’re travelling abroad for leisure or work purpose, you never know what incident awaits you while you’re on the trip. An overseas travel insurance covers you if you get involved in an unforeseen accident or become legally liable for an injury to the third party. In case you accidentally damage third party’s property or become the reason for its loss, your travel policy will cover you for that provided it has personal liability facility included in it. When you’re exploring options for travel insurance online, make sure it mentions the coverage of Personal Liability.
Royal Sundaram offers leisure trip insurance, multi trip insurance, student, Asia and senior citizen. Each of these insurance policy types includes ‘Personal Liability Benefit’. The policy holder gets covered for personal liability if the incident occurs while on the trip, during the period of insurance. The compensation is done by the company up to the limit specified in the policy.
In order to inquire more on the subject, you can call 1860 425 0000.
Yes. The product / plan may be withdrawn at any time subject to IRDAI’s approval, in which case a notice to the Proposer shall be sent 3 months prior to expiry of policy, at the address recorded / updated in the policy. When the policy is withdrawn, the product / plan shall not be available for renewal at the due date. However, the cover under such policy shall continue till the expiry date shown in the schedule of the policy. In the event of withdrawal of a product, Company shall offer similar alternative product from its currently marketed product suites.
The premium payable shall be based on your age, country of visit and number of days of travel. The applicable premium shall be remitted as a single payment. Please refer to the ‘Plans & Premium’ section for the complete premium grid.
Cover under Travel Secure is available on an Individual basis and not on Family Floater basis.
Cover commences from the time the insured person boards the conveyance to leave for onward overseas journey or the Contracted Departure Date as per the policy whichever is later, subject to receipt of premium by us.At the time of taking the policy, customer should be in India.
The coverage shall end on occurrence of any one of the instances as mentioned in the table below.
| Event | Parameter |
| End of coverage term | Cover under this policy ends when the Insured Person first disembarks on return to India or the Contracted Return Date or the date of expiry of Insurance whichever is earlier. |
| Cancellation of policy |
|
| Fraudulent event/non-cooperation | The policy when cancelled/not renewed on grounds of fraud, moral hazard or misrepresentation or non-cooperation by the Insured. |
You would get the policy terms and conditions together with a certificate detailing the insurance coverage details. This will be emailed to you, as soon as you purchase the policy. Soft copy of the policy document is sufficient for you to make a claim.
- The rates are subject to change based on IRDAI's approval.
- The rates can be increased or decreased depending on extent of currency fluctuation. The current pricing is within the range of 61-70 (Rupee to Dollar value)
- For every 5% variation in this range at the end of every quarterly period to the base rate filed, the prices will be increased or decreased by 3%. If the fluctuation remains within this range i.e. Rs,61 – Rs.70 then, no change in premium pricing is proposed. If the threshold is breached on the lower or on the higher side by 5%, then the premium rates will be increased/decreased by 3%. In case of any rate correction with the above formulae, it will be published on our website.
- To give an example, if on 1.4.2016, if the USD to INR rate is Rs.61 and on 30.6.2016, the conversion rate goes up to Rs.73, which is a 4% increase from the Rs.70 higher range threshold, then there will be no increase in the rates. If on 30.9.16, if the rate goes up to Rs.75, then the increase is 7% which will call for a 3% increase in the rates wef 1.10.16. If on 31.12.16, if the rate goes down to Rs.64, then rates will revert to their original position which is a 3% decrease from the current rate. If on 31.3.17, the rate goes down further to Rs. 56, which is 8% decrease from the lower range threshold of Rs. 61, there will be a 3% decrease in prices.
A policy issued under Leisure plan can be extended based on request much prior to the expiry of the policy. Subject to no claim having been reported and confirmation of good health by the insured person, the company will inform the additional premium applicable which will be difference between the premiums applicable for the total extended period less the premium already paid. Upon receipt of premium prior to expiry of the period specified in the policy, company will issue an endorsement extending the policy up to the permissible extended period. The maximum number of days that can be covered including extension shall not exceed 360 days in respect of Leisure Plan.
Cancellation of policy by the Insured Person may be done only in the following cases,
The Insured Person has to produce the Passport as proof of the Trip Days undertaken during the Policy Period. The Company may also cancel the Policy on grounds of misrepresentation, fraud, non-disclosure of material fact relating to this insurance of the insured or non-cooperation by the insured by sending seven days’ notice in writing by Registered A/D to the insured at his last known address in which case the Company shall not refund to the insured any portion of the premium.
- where a journey is not undertaken and only on production of the Insured Person’s passport as a proof that the journey has not been undertaken. Any request for cancellation will be entertained up to 14 days after the first day of insurance as indicated in the schedule of the policy subject to a deduction of Rs.250/-
- In case of an early return of the insured person under this policy prior to expiry of the policy period the company will refund premium as per the following structure. No refund of premium or part thereof will be allowed if any claim has been made under the policy before invoking cancellation request.
| S.No. | Actual travel period on risk | Rate of premium to be retained |
| 1 | More than 50% | 100% |
| 2 | Between 41 – 50% | 80% |
| 3 | Between 31 – 40% | 75% |
| 4 | Between 21 – 30% | 60% |
| 5 | From inception to 20% | 50% |
You would get the policy terms and conditions together with a certificate detailing the insurance coverage details. This will be emailed to you, as soon as you purchase the policy. Soft copy of the policy document is sufficient for you to make a claim.
Free look provision is applicable only in respect of an annual multi trip policy and annual student policy. At the inception of the policy, provided the trip has not commenced, insured will be allowed a period of 15 days (30 days for Telesales, Online and Web aggregators) from the date of receipt of the policy to review the terms and conditions of the policy and to return the same if not acceptable. Insured will be entitled to the following, provided no claim has been reported, settled or lodged for the period the policy has been in force:
- A refund of the premium paid less stamp duty charges or;
- where the risk has already commenced and the option of return of the policy is exercised, a deduction towards the proportionate risk premium for period on cover or;
- Where only a part of the risk has commenced, such proportionate risk premium commensurate with the risk covered during such period.
Afghanistan, Myanmar (Burma), Democratic Republic of Congo, East Timor, Eritrea, Iran, Iraq, Liberia, Libya, North Korea, Rwanda, Sierra Leone, Somalia, Sudan, Syria, Yeman, Congo, Republic of (Brazzaville), Timor-Leste (East Timor), Zaire , Pakistan The list of declined countries may undergo change from time to time depending on the geo-political situation in the respective country. Any revision to the country list shall be updated on our website every quarter.
Yes. The product / plan may be withdrawn at any time subject to IRDAI’s approval, in which case a notice to the Proposer shall be sent 3 months prior to expiry of policy, at the address recorded / updated in the policy. When the policy is withdrawn, the product / plan shall not be available for renewal at the due date. However, the cover under such policy shall continue till the expiry date shown in the schedule of the policy. In the event of withdrawal of a product, Company shall offer similar alternative product from its currently marketed product suites.
Cover under Travel Secure is available on an Individual basis and not on Family Floater basis.
Cover commences from the time the insured person boards the conveyance to leave for onward overseas journey or the Contracted Departure Date as per the policy whichever is later, subject to receipt of premium by us.At the time of taking the policy, customer should be in India.
Free look provision is applicable only in respect of an annual multi trip policy and annual student policy. At the inception of the policy, provided the trip has not commenced, insured will be allowed a period of 15 days (30 days for Telesales, Online and Web aggregators) from the date of receipt of the policy to review the terms and conditions of the policy and to return the same if not acceptable. Insured will be entitled to the following, provided no claim has been reported, settled or lodged for the period the policy has been in force:
- A refund of the premium paid less stamp duty charges or;
- where the risk has already commenced and the option of return of the policy is exercised, a deduction towards the proportionate risk premium for period on cover or;
- Where only a part of the risk has commenced, such proportionate risk premium commensurate with the risk covered during such period.
- The rates are subject to change based on IRDAI's approval.
- The rates can be increased or decreased depending on extent of currency fluctuation. The current pricing is within the range of 61-70 (Rupee to Dollar value)
- For every 5% variation in this range at the end of every quarterly period to the base rate filed, the prices will be increased or decreased by 3%. If the fluctuation remains within this range i.e. Rs,61 – Rs.70 then, no change in premium pricing is proposed. If the threshold is breached on the lower or on the higher side by 5%, then the premium rates will be increased/decreased by 3%. In case of any rate correction with the above formulae, it will be published on our website.
- To give an example, if on 1.4.2016, if the USD to INR rate is Rs.61 and on 30.6.2016, the conversion rate goes up to Rs.73, which is a 4% increase from the Rs.70 higher range threshold, then there will be no increase in the rates. If on 30.9.16, if the rate goes up to Rs.75, then the increase is 7% which will call for a 3% increase in the rates wef 1.10.16. If on 31.12.16, if the rate goes down to Rs.64, then rates will revert to their original position which is a 3% decrease from the current rate. If on 31.3.17, the rate goes down further to Rs. 56, which is 8% decrease from the lower range threshold of Rs. 61, there will be a 3% decrease in prices.
Cancellation of policy by the Insured Person may be done only in the following cases,
The Insured Person has to produce the Passport as proof of the Trip Days undertaken during the Policy Period. The Company may also cancel the Policy on grounds of misrepresentation, fraud, non-disclosure of material fact relating to this insurance of the insured or non-cooperation by the insured by sending seven days’ notice in writing by Registered A/D to the insured at his last known address in which case the Company shall not refund to the insured any portion of the premium.
- where a journey is not undertaken and only on production of the Insured Person’s passport as a proof that the journey has not been undertaken. Any request for cancellation will be entertained up to 14 days after the first day of insurance as indicated in the schedule of the policy subject to a deduction of Rs.250/-
- In case of an early return of the insured person under this policy prior to expiry of the policy period the company will refund premium as per the following structure. No refund of premium or part thereof will be allowed if any claim has been made under the policy before invoking cancellation request.
| S.No. | Actual travel period on risk | Rate of premium to be retained |
| 1 | More than 50% | 100% |
| 2 | Between 41 – 50% | 80% |
| 3 | Between 31 – 40% | 75% |
| 4 | Between 21 – 30% | 60% |
| 5 | From inception to 20% | 50% |
Afghanistan, Myanmar (Burma), Democratic Republic of Congo, East Timor, Eritrea, Iran, Iraq, Liberia, Libya, North Korea, Rwanda, Sierra Leone, Somalia, Sudan, Syria, Yeman, Congo, Republic of (Brazzaville), Timor-Leste (East Timor), Zaire , Pakistan The list of declined countries may undergo change from time to time depending on the geo-political situation in the respective country. Any revision to the country list shall be updated on our website every quarter.
Yes. The product / plan may be withdrawn at any time subject to IRDAI’s approval, in which case a notice to the Proposer shall be sent 3 months prior to expiry of policy, at the address recorded / updated in the policy. When the policy is withdrawn, the product / plan shall not be available for renewal at the due date. However, the cover under such policy shall continue till the expiry date shown in the schedule of the policy. In the event of withdrawal of a product, Company shall offer similar alternative product from its currently marketed product suites.
Single trip travel insurance is designed for and caters to people who look for complete coverage of their one-off abroad trip mostly for leisure purpose. It covers almost every unforeseen event that might occur during the specific insured trip. Be it loss of passport, delay or cancelling of the trip or even medical expenses on the trip, the traveller is covered in it. While you’re out into a new place, looking for some quality time, the single trip insurance makes sure you’re focused on just that and not worried about anything that might go wrong.
Multi-trip insurance, unlike single trip insurance, is available for a period of 365 days, of which you should not be spending more than 180 days abroad. This overseas travel insurance is designed for and caters to the frequent travellers. Each trip’s duration could be 30, 45, 60 or 90 days. By opting for this option, frequent travellers get to avoid hassles of getting each of their trips insured. Also, this plan serves beneficial for the business travellers who often have spontaneous business travels. With their insurance in place, they don’t have to worry about the cover before flying out to another country.
While none of these insurance requires medical reports, you’re required to be in a good health condition while travelling. You can sign-up or inquire further about any of these travel insurance online. You can share your needs and requirements and accordingly get a quote.
This policy shall ordinarily be renewable except on grounds of fraud, moral hazard or misrepresentation or non-cooperation by the insured. This Policy may be renewed by mutual consent every year and in such event, the renewal premium shall be paid to the Company on or before the date of expiry of the Policy or of the subsequent renewal thereof. The policy shall be renewed subject to the presence of the insured in the Republic of India. Every renewal premium (which shall be paid and accepted in respect of this Policy) shall be so paid and accepted upon the distinct understanding that no alteration has taken place in the facts contained in the proposal or declaration herein before mentioned and that nothing is known to You that may result to enhance Our risk under the guarantee hereby given. Any change in the risk will be intimated by You to Us. Nothing herein or otherwise shall affect Our right to impose any additional terms and conditions as approved by IRDAI on renewal or restrict any renewal terms as to premium or otherwise. Policy must be renewed within the Grace Period of thirty days of expiry to maintain continuity of Coverage. However no coverage shall be available during the period of such break. A policy that is sought to be renewed after the Grace Period of 30 days will be underwritten as a fresh policy as per the underwriting guidelines of the company. The coverages, terms & conditions and the premium are guaranteed till the expiry date shown in the policy. At renewal, the coverages, terms & conditions & premium may change subject to IRDAI’s approval. Any change in premium on account of change of age will not require any prior notice. Note: There is no guarantee for lifelong renewal under any of the travel plans offered.
Cover under Travel Secure is available on an Individual basis and not on Family Floater basis.
Yes. If you are opting for a 1 lakh USD cover only. Plan with Sum Insured of 100000 USD can be offered post submission of test reports of medical done by the applicant. The following Medical tests will have to be undertaken by the applicant and reports submitted. CBC, ESR, URA, MER, FBS/HbA1C, S Cholesterol, ECG, SGPT, S Creatinine. Abbreviation of test is provided here: CBC – Complete Blood Count, ESR – Erythrocyte Sedimentation Rate, MER – Medical Examination Report, FBS – Fasting Blood Sugar, HbA1C – Glycosylated Haemoglobin Test, S Cholestrol – Serum Cholestrol, ECG – Electrocardiogram, SGPT – Serum Glutamic Pyruvate Transaminase, S Creatinine – Serum Creatinine, URA – Urine Routine Analysis
The premium payable shall be based on your age, country of visit and number of days of travel. The applicable premium shall be remitted as a single payment. Please refer to the ‘Plans & Premium’ section for the complete premium grid.
Cover commences from the time the insured person boards the conveyance to leave for onward overseas journey or the Contracted Departure Date as per the policy whichever is later, subject to receipt of premium by us.At the time of taking the policy, customer should be in India.
The coverage shall end on occurrence of any one of the instances as mentioned in the table below.
| Event | Parameter |
| End of coverage term | Cover under this policy ends when the Insured Person first disembarks on return to India or the Contracted Return Date or the date of expiry of Insurance whichever is earlier. |
| Cancellation of policy | a)Where a journey is not undertaken: Insured person will be requested to produce passport copy as a proof that the journey has not been undertaken. Further, any request for cancellation will be entertained up to 14 days after the first day of insurance as indicated in the schedule of the policy subject to a deduction of Rs.250/- b)When insured returns earlier than the original scheduled date of arrival as specified in the policy, premium will be refunded subject to the condition that no claim is lodged during that period. We will refund premium based on the refund table structure specified in the policy. The Insured Person has to produce the Passport as proof of the Trip Days undertaken during the Policy Period. |
| Fraudulent event/non-cooperation | The policy when cancelled/not renewed on grounds of fraud, moral hazard or misrepresentation or non-cooperation by the Insured. |
You would get the policy terms and conditions together with a certificate detailing the insurance coverage details. This will be emailed to you, as soon as you purchase the policy. Soft copy of the policy document is sufficient for you to make a claim.
- The rates are subject to change based on IRDAI's approval.
- The rates can be increased or decreased depending on extent of currency fluctuation. The current pricing is within the range of 61-70 (Rupee to Dollar value)
- For every 5% variation in this range at the end of every quarterly period to the base rate filed, the prices will be increased or decreased by 3%. If the fluctuation remains within this range i.e. Rs,61 – Rs.70 then, no change in premium pricing is proposed. If the threshold is breached on the lower or on the higher side by 5%, then the premium rates will be increased/decreased by 3%. In case of any rate correction with the above formulae, it will be published on our website.
- To give an example, if on 1.4.2016, if the USD to INR rate is Rs.61 and on 30.6.2016, the conversion rate goes up to Rs.73, which is a 4% increase from the Rs.70 higher range threshold, then there will be no increase in the rates. If on 30.9.16, if the rate goes up to Rs.75, then the increase is 7% which will call for a 3% increase in the rates wef 1.10.16. If on 31.12.16, if the rate goes down to Rs.64, then rates will revert to their original position which is a 3% decrease from the current rate. If on 31.3.17, the rate goes down further to Rs. 56, which is 8% decrease from the lower range threshold of Rs. 61, there will be a 3% decrease in prices.
A policy issued under Senior Citizen plan can be extended based on request much prior to the expiry of the policy. Subject to no claim having been reported and confirmation of good health by the insured person, the company will inform the additional premium applicable which will be difference between the premium applicable for the total extended period less the premium already paid. Upon receipt of premium prior to expiry of the period specified in the policy, company will issue an endorsement extending the policy upto the permissible extended period. The maximum number of days that can be covered including extension shall not exceed 180 days in respect of Senior Citizen Plan.
Cancellation of policy by the Insured Person may be done only in the following cases, a. Where a journey is not undertaken and only on production of the Insured Person’s passport as a proof that the journey has not been undertaken. Any request for cancellation will be entertained up to 14 days after the first day of insurance as indicated in the schedule of the policy subject to a deduction of Rs.250/- b. In case of an early return of the insured person under this policy prior to expiry of the policy period the company will refund premium as per the following structure. No refund of premium or part thereof will be allowed if any claim has been made under the policy before invoking cancellation request.
The Insured Person has to produce the Passport as proof of the Trip Days undertaken during the Policy Period. The Company may also cancel the Policy on grounds of misrepresentation, fraud, non-disclosure of material fact relating to this insurance of the insured or non-cooperation by the insured by sending seven days’ notice in writing by Registered A/D to the insured at his last known address in which case the Company shall not refund to the insured any portion of the premium.
| S.No. | Actual travel period on risk | Rate of premium to be retained |
| 1 | More than 50% | 100% |
| 2 | Between 41 – 50% | 80% |
| 3 | Between 31 – 40% | 75% |
| 4 | Between 21 – 30% | 60% |
| 5 | From inception to 20% | 50% |
Afghanistan, Myanmar (Burma), Democratic Republic of Congo, East Timor, Eritrea, Iran, Iraq, Liberia, Libya, North Korea, Rwanda, Sierra Leone, Somalia, Sudan, Syria, Yeman, Congo, Republic of (Brazzaville), Timor-Leste (East Timor), Zaire , Pakistan The list of declined countries may undergo change from time to time depending on the geo-political situation in the respective country. Any revision to the country list shall be updated on our website every quarter.
Yes. The product / plan may be withdrawn at any time subject to IRDAI’s approval, in which case a notice to the Proposer shall be sent 3 months prior to expiry of policy, at the address recorded / updated in the policy. When the policy is withdrawn, the product / plan shall not be available for renewal at the due date. However, the cover under such policy shall continue till the expiry date shown in the schedule of the policy. In the event of withdrawal of a product, Company shall offer similar alternative product from its currently marketed product suites.
Cover under Travel Secure is available on an Individual basis and not on Family Floater basis.
The premium payable shall be based on your age, country of visit and number of days of travel. The applicable premium shall be remitted as a single payment. Please refer to the ‘Plans & Premium’ section for the complete premium grid.
Cover commences from the time the insured person boards the conveyance to leave for onward overseas journey or the Contracted Departure Date as per the policy whichever is later, subject to receipt of premium by us.At the time of taking the policy, customer should be in India.
The coverage shall end on occurrence of any one of the instances as mentioned in the table below.
| Event | Parameter |
| End of coverage term | Cover under this policy ends when the Insured Person first disembarks on return to India or the Contracted Return Date or the date of expiry of Insurance whichever is earlier. |
| Cancellation of policy | a)Where a journey is not undertaken: Insured person will be requested to produce passport copy as a proof that the journey has not been undertaken. Further, any request for cancellation will be entertained up to 14 days after the first day of insurance as indicated in the schedule of the policy subject to a deduction of Rs.250/- b)When insured returns earlier than the original scheduled date of arrival as specified in the policy, premium will be refunded subject to the condition that no claim is lodged during that period. We will refund premium based on the refund table structure specified in the policy. The Insured Person has to produce the Passport as proof of the Trip Days undertaken during the Policy Period. |
| Fraudulent event/non-cooperation | The policy when cancelled/not renewed on grounds of fraud, moral hazard or misrepresentation or non-cooperation by the Insured. |
You would get the policy terms and conditions together with a certificate detailing the insurance coverage details. This will be emailed to you, as soon as you purchase the policy. Soft copy of the policy document is sufficient for you to make a claim.
- The rates are subject to change based on IRDAI's approval.
- The rates can be increased or decreased depending on extent of currency fluctuation. The current pricing is within the range of 61-70 (Rupee to Dollar value)
- For every 5% variation in this range at the end of every quarterly period to the base rate filed, the prices will be increased or decreased by 3%. If the fluctuation remains within this range i.e. Rs,61 – Rs.70 then, no change in premium pricing is proposed. If the threshold is breached on the lower or on the higher side by 5%, then the premium rates will be increased/decreased by 3%. In case of any rate correction with the above formulae, it will be published on our website.
- To give an example, if on 1.4.2016, if the USD to INR rate is Rs.61 and on 30.6.2016, the conversion rate goes up to Rs.73, which is a 4% increase from the Rs.70 higher range threshold, then there will be no increase in the rates. If on 30.9.16, if the rate goes up to Rs.75, then the increase is 7% which will call for a 3% increase in the rates wef 1.10.16. If on 31.12.16, if the rate goes down to Rs.64, then rates will revert to their original position which is a 3% decrease from the current rate. If on 31.3.17, the rate goes down further to Rs. 56, which is 8% decrease from the lower range threshold of Rs. 61, there will be a 3% decrease in prices.
Free look provision is applicable only in respect of an annual multi trip policy and annual student policy. At the inception of the policy, provided the trip has not commenced, insured will be allowed a period of 15 days (30 days for Telesales, Online and Web aggregators) from the date of receipt of the policy to review the terms and conditions of the policy and to return the same if not acceptable. Insured will be entitled to the following, provided no claim has been reported, settled or lodged for the period the policy has been in force:
- A refund of the premium paid less stamp duty charges or;
- where the risk has already commenced and the option of return of the policy is exercised, a deduction towards the proportionate risk premium for period on cover or;
- Where only a part of the risk has commenced, such proportionate risk premium commensurate with the risk covered during such period.
Cancellation of policy by the Insured Person may be done only in the following cases, a. Where a journey is not undertaken and only on production of the Insured Person’s passport as a proof that the journey has not been undertaken. Any request for cancellation will be entertained up to 14 days after the first day of insurance as indicated in the schedule of the policy subject to a deduction of Rs.250/- b. In case of an early return of the insured person under this policy prior to expiry of the policy period the company will refund premium as per the following structure. No refund of premium or part thereof will be allowed if any claim has been made under the policy before invoking cancellation request.
The Insured Person has to produce the Passport as proof of the Trip Days undertaken during the Policy Period. The Company may also cancel the Policy on grounds of misrepresentation, fraud, non-disclosure of material fact relating to this insurance of the insured or non-cooperation by the insured by sending seven days’ notice in writing by Registered A/D to the insured at his last known address in which case the Company shall not refund to the insured any portion of the premium.
| S.No. | Actual travel period on risk | Rate of premium to be retained |
| 1 | More than 50% | 100% |
| 2 | Between 41 – 50% | 80% |
| 3 | Between 31 – 40% | 75% |
| 4 | Between 21 – 30% | 60% |
| 5 | From inception to 20% | 50% |
Afghanistan, Myanmar (Burma), Democratic Republic of Congo, East Timor, Eritrea, Iran, Iraq, Liberia, Libya, North Korea, Rwanda, Sierra Leone, Somalia, Sudan, Syria, Yeman, Congo, Republic of (Brazzaville), Timor-Leste (East Timor), Zaire , Pakistan The list of declined countries may undergo change from time to time depending on the geo-political situation in the respective country. Any revision to the country list shall be updated on our website every quarter.
Yes. The product / plan may be withdrawn at any time subject to IRDAI’s approval, in which case a notice to the Proposer shall be sent 3 months prior to expiry of policy, at the address recorded / updated in the policy. When the policy is withdrawn, the product / plan shall not be available for renewal at the due date. However, the cover under such policy shall continue till the expiry date shown in the schedule of the policy. In the event of withdrawal of a product, Company shall offer similar alternative product from its currently marketed product suites.
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Travel Terms and Condition
Policy Terms and Conditions
We request you to carefully read and understand the Terms and Conditions, before you buy the Policy. All claims are processed strictly according to it. Please speak or chat with our Customer Support Team, if you need any clarification.
Insurance is the subject matter of solicitation. The declaration about your health and other information provided during process of policy purchase becomes basis of the contract.
Insurance is the subject matter of solicitation. The declaration about your health and other information provided during process of policy purchase becomes basis of the contract.
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