|
If I suffer any loss while travelling by railway/ ship in a foreign country does my International travel policy help me in any way?
|
|
AOur Travel Insurance Policy covers you up to the maximum amount mentioned in your policy as long as you are travelling in/ by an IATA certified carrier.
|
| |
|
|
If I hire a car when travelling and meet with an accident will the policy cover me?
|
|
|
The policy has a personal liability cover that protects your liability under incidents that result in death, injury, damage to health or damage to the property of a third party. Also, you have the personal accident cover to take care of your hospitalisation expenses in case of any accidental injury
|
| |
|
|
In case I fall sick and need hospitalisation, will the policy cover me for all my expenses?
|
|
|
In case you fall sick or you sustain any injury and are hospitalised, we will take care of all your expenses in a cashless manner. What's more, if you have been hospitalised for more than 2 consecutive days, you can avail of a daily allowance.
|
| |
|
|
In case I am short of cash, can I avail of Financial Emergency assistance?
|
|
|
This is a special service that provides the insured financial assistance in times of financial emergency that may arise only due to theft or robbery.
In a situation where you are short of funds/ cash, this cover will not be able to help you.
|
| |
|
|
What will happen in case the flight is hijacked?
|
|
|
In case your flight is hijacked, your policy will compensate to you up to the maximum amount as mentioned in your policy, post the first 12 hours of hijacking.
|
| |
|
|
What happens if the flight is delayed?
|
|
|
In case your flight is delayed for more than 12 hours from the scheduled time, due to unforeseen circumstances like illness, death, delay due to bad weather, natural disaster; then we will reimburse to you up to the maximum amount as mentioned in your policy.
|
| |
|
|
My entire family is travelling with me for 2 months. My house is going to be locked. In case there is a robbery/ theft or fire will the policy reimburse us?
|
|
|
The policy has a Home Burglary cover that protects your house and valuables from burglary &/or attempted burglary, up to the limit of Sum Insured.
This cover does not cover losses sustained due to fire or other perils.
|
| |
|
|
I am a student? If I fall sick and have to repeat a semester will my policy help me in any way?
|
|
|
The travel policy has a cover named Study Interruption that provides compensation in case:
- The insured is hospitalised for more than one consecutive month on account of any disease, illness, injury, terminal sickness or medical repatriation,
- An immediate family member or the Sponsor of the insured expires, leading the insured to discontinue his/her studies for the remaining part of the current semester for which tuition fee has been paid.
|
| |
|
|
Is a student covered for delay in exams
|
|
|
A student travel insurance policy covers you for a specific period ( e.g. 30 days, 60 days, 90 days, so on till 730 days). If your examination is delayed, but it is still within this specific period, your insurance policy will cover you.
If case your examination is delayed resulting in an unanticipated extension beyond the specified period mentioned in your policy, you always have the option to extend your policy.
|
| |
|
|
When is it beneficial to buy a corporate plan rather than buying individual travel plans?
|
|
|
A business or corporate travel insurance policy is beneficial in case you:
- Have high number of employees travelling at different times
- Have high number of travelling days
- Want to cover certain risks for certain employees
- Need worldwide coverage
- Have high turnover of employees
- Want to cover employees from various group companies
- Minimize documentation
- Simple and easy administration.
|
| |
|
|
Under corporate travel policies, can one choose to cover only certain employees or is it compulsory insuring all our employees?
|
|
|
You can definitely choose the number of employees you would like to insure.
When you take an international travel policy through us we will issue you a comprehensive master travel policy that is based on the certain number of travel days as required by you. Employee names will not be mentioned on this master policy. Whenever any of your employees is travelling based on your intimation we will issue him/ her, a travel certificate that will indicate the number of days and the destination.
Apart from this, we also offer annual travel policies for specific employees who would be frequent travellers.
|
| |
|
|
What documents will the company have to submit to purchase a corporate travel plan?
|
|
|
To take a travel insurance policy you just have to submit a complete and duly signed proposal form along with the premium payment.
In case you are availing of a short term travel policy, then you will have to fill and submit, an "employee intimation form" each time one of your employees' is travelling.
|
| |
|
|
If we add/ delete/substitute a member to an already existing corporate/ group what is the implication on premium?
|
|
|
The corporate policy is designed to provide you convenience of usage. If you have opted for a short-term plan for a specific period of insurance and number of man-days, a float amount for your company would be created with us. As and when an individual employee travels, his details need to be intimated to us. The premium amount based on the employee's number of days of travel, age etc would be adjusted in this float amount. Similarly, you would need to intimate us as and when you add or delete a person. We will adjust the float amount
|
| |
|
|
Can stand-alone policies of the company executives become part of corporate plan?
|
|
|
These policies cannot become a part of the corporate plan.
You can choose to continue with these standalone policies and therefore opt for those many less number of travel days in the group policy.
Alternatively if you want all the executives to be a part of one plan then you can cancel those stand-alone policies prematurely and make them a part of your corporate group policy
|
| |
|
|
Are there any group discounts available?
|
|
|
The cYes group discounts are available for the travel policies.
| No of people |
Discount in % |
| 10-20 |
10 |
| 21 -50 |
15 |
| 51 and more |
20 |
|
| |
