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Who Can Be Covered (Senior Citizen)

About Senior Citizen Travel Insurance Plan

A tailor made travel insurance plan for members aged 71 and above.

This Plan is specific to the travelers above the age of 71 years. This plans offers an attractive set of coverage to the senior citizens travelling abroad so that they can be rest assured of their protection against unforeseen emergencies.

Eligibility for Senior Citizen Travel Insurance Plan

Minimum age of proposer must be 18 years.

No limit for maximum age of entry of insured person.

You need to be in good health condition.

Minimum age at entry of insured person must be 71 years.

Medical reports required for a SI of 1,00,000 USD only.

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Senior Citizen (Table)

Travel Secure - Senior Citizen Plan

Product Benefits - Key Highlights

Medical Expenses (including Medical Evacuation)

Sickness Dental Relief

Accidental Death & Dismemberment (24 hours)

Repatriation of Mortal Remains

Delay of Checked-in Baggage

Loss of Checked-in Baggage

Emergency Cash Advance

Trip Cancellation

Missed Connections/Departures

Political risk

Difference in Airfare

Assistance Services

Senior Citizen Claim Process

Senior Citizen Travel Insurance Claim Procedure

In the case of claim, the specified documents shall have to be forwarded to the Assistance Service Provider within a period of 30 days from the date of return to the Country of Residence of the Insured person. In case the Trip is terminated any time before the completion of the Trip covered hereunder, the Insured shall submit all the documents as soon as such termination shall take place, but before 30 days from the date of such termination.

FAQ Senior Citizen

FAQs

Questions about Travel Insurance? Get your answers here.

What is the premium that I need to pay?

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.

What is the type of cover available under Travel Secure?

Cover under Travel Secure is available on an Individual basis and not on Family Floater basis.

Do I need to undergo any medical examination for coverage?

No

When does the coverage start?

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.

How can my coverage end?

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	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.

What document will I get as a proof of Insurance?

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.

What are the specific circumstances under which the premium could be loaded or a discount provided could be withdrawn and the extent to which it will be done?

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.

What is the procedure to be followed for extension of a policy?

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.

Can this policy be cancelled and if so what will be the premium that will be returned?

Cancellation of policy by the Insured Person may be done only in the following cases,

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%

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.

What document will I get as a proof of Insurance?

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.

Is there a free look period available under the policy?

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.

However, please note free look is not applicable in the case of renewals. Free look cancellation as per provisions of Health Regulations.

What are the Current Declined list of countries to which travel insurance coverage is not extended?

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.

Will the policy be withdrawn by the insurer at any point of time? If so, what are the options available?

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.

What is the premium that I need to pay?

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.

What is the type of cover available under Travel Secure?

Cover under Travel Secure is available on an Individual basis and not on Family Floater basis.

Do I need to undergo any medical examination for coverage?

No

When does the coverage start?

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.

How can my coverage end?

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	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.

What document will I get as a proof of Insurance?

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.

What are the specific circumstances under which the premium could be loaded or a discount provided could be withdrawn and the extent to which it will be done?

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.

What is the procedure to be followed for extension of a policy?

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.

Can this policy be cancelled and if so what will be the premium that will be returned?

Cancellation of policy by the Insured Person may be done only in the following cases,

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%

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.

What document will I get as a proof of Insurance?

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.

Is there a free look period available under the policy?

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.

However, please note free look is not applicable in the case of renewals. Free look cancellation as per provisions of Health Regulations.

What are the Current Declined list of countries to which travel insurance coverage is not extended?

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.

Will the policy be withdrawn by the insurer at any point of time? If so, what are the options available?

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.

What is the premium that I need to pay?

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.

What is the type of cover available under Travel Secure?

Cover under Travel Secure is available on an Individual basis and not on Family Floater basis.

Do I need to undergo any medical examination for coverage?

No

When does the coverage start?

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.

How can my coverage end?

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	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.

What document will I get as a proof of Insurance?

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.

What are the specific circumstances under which the premium could be loaded or a discount provided could be withdrawn and the extent to which it will be done?

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.

What is the procedure to be followed for extension of a policy?

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.

Can this policy be cancelled and if so what will be the premium that will be returned?

Cancellation of policy by the Insured Person may be done only in the following cases,

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%

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.

What document will I get as a proof of Insurance?

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.

Is there a free look period available under the policy?

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.

However, please note free look is not applicable in the case of renewals. Free look cancellation as per provisions of Health Regulations.

What are the Current Declined list of countries to which travel insurance coverage is not extended?

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.

Will the policy be withdrawn by the insurer at any point of time? If so, what are the options available?

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.

What is the premium that I need to pay?

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.

What is the type of cover available under Travel Secure?

Cover under Travel Secure is available on an Individual basis and not on Family Floater basis.

Do I need to undergo any medical examination for coverage?

No

When does the coverage start?

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.

How can my coverage end?

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	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.

What document will I get as a proof of Insurance?

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.

What are the specific circumstances under which the premium could be loaded or a discount provided could be withdrawn and the extent to which it will be done?

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.

What is the procedure to be followed for extension of a policy?

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.

Can this policy be cancelled and if so what will be the premium that will be returned?

Cancellation of policy by the Insured Person may be done only in the following cases,

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%

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.

What document will I get as a proof of Insurance?

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.

Is there a free look period available under the policy?

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.

However, please note free look is not applicable in the case of renewals. Free look cancellation as per provisions of Health Regulations.

What are the Current Declined list of countries to which travel insurance coverage is not extended?

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.

Will the policy be withdrawn by the insurer at any point of time? If so, what are the options available?

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.