Universal Sompo Gen - Travel Insurance

This is a Policy for the persons undertaking Overseas Travel. The Policy provides cover for emergency medical expenses incurred in relation to bodily injury, sickness, disease or death outside Republic of India and for repatriation of the Insured person during the period of Insurance. It also provides for personal accident and other travel related losses such as loss of checked baggage, loss of passport etc.

Health Cover
1. MedicalExpenses: Costs incurred for Medically during a temporary abroad less the deductible stated in the Schedule.Within the meaning of these coverage
s, treatment is deemed to include only the following :
a) Out-patient treatment.
b) In patient treatment in a local hospital at the place You are staying or at the nearest suitable hospital.
c) Medical aid that is necessary as part of the treatment for broken limbs or injuries (e.g.plaster casts,bandages and walking aids)prescribed by a physician.
d) Radiotherapy, heat therapy or phototherapy and other such treatment prescribed by a physician.
e) X-Ray, Diagnostic tests.
f) Cost of transportation including necessary medical care enroute by recognized emergency services for medical attention at the nearest hospital or from the nearest available physician.
g) Cost of being transferred to a special clinic if this is Medically Necessary and prescribed by a Physician.
h) Life saving unforeseen emergency measures or measures solely designed to relieve acute pain provided to You by medical assistance for disease / accident including their consequences arising out of a pre-existing condition. This coverage is specifically subject to General Exclusions (2) of this Policy and will not include
Transportation
described in Item 3 of
What Is Covered
of Section 1 of the Health Cover of this Policy.
2. Dentaltreatment: In principle for only acute anesthetic treatment of a natural tooth or teeth upto the maximum limit shown in the Schedule. However dental treatment rendered necessary as a result of a covered accident shall be up to the maximum limit of medical expenses and deductible shown in the Schedule.
3. Medical Repatriation:
(a) Extra costs of Medically Necessary and prescribed transportation from the foreign country to Your permanent country of residence provided that -
1. Extra costs in the event of transportation home are the additional costs arising for the return journey home as a consequence of the insured event.
2. If You are transportable from a medical point of view, it is Our decision whether the Insured Person is repatriated to India or not. (b) Additional extra costs for an accompanying person, if it is medically necessary that the insured person be accompanied in this way.
4. Repatriation of Mortal Remains
In the event of death of the Insured Person due to illness/ injuries covered on the trip abroad, extra costs of transporting the mortal remains of the deceased back home or up to an equivalent amount for a local burial or cremation in the country where the death occurred up to the limit stipulated in the Schedule.
5. Balance Period of Policy + 30 days:
If it has been established that the continued treatment in the Republic of India is appropriate, then We will pay the medical expenses incurred in India for the same illness/ bodily injury contracted abroad following the transportation home at the usual customary level, for treatment received within the Insurance Period
and for a maximum of 30 days beyond the Insurance Period provided the disease/ injury/ illness is contracted within the Insurance Period.
6.HospitalDailyAllowance: In the event of You being hospitalised for a period of more than 48 hours and also if We have acceptedliability under the Medical Expenses cover aforementioned, then We will pay You up to the maximum limit mentioned in the Schedule
2- Total Loss of Baggage Including Delay of Baggage
We will reimburse for total loss of Checked baggage caused by a carrier (i.e. airline, coach operator, ferry company etc.) up to the limits stipulated in the Schedule provided that:
1. Loss of a Pair/Set: (pair or set of articles is treated as one article e.g. a pair of earrings) In case of loss to a pair or set, We may elect to:
a) repair or replace any part, to restore the pair or set to its value before the loss; or
b) pay the difference between the cash value of the property before and after the loss.
You make a report to the Police within 24 hours after You become aware of the loss.
2. You provide all the Reports concerning the loss to Us or Our Assistant Service Provider.
3. We will pay the benefit on Market Value. Market Value is the sum required to purchase new items of the same kind and quality less a figure representing the condition of the articles insured (age, wear, usage etc.)
4. The maximum amount to be reimbursed per bag is 50%, and the maximum value per articlecontained in any bag is 10%, of the amount stated in the Policy Schedule
Benefits:(Delay of Baggage)
We will pay up to the limit of cover shown in the Schedule for costs of necessary emergency purchases of essential items in the event of You suffering a temporary loss of Your baggage while being transported during the journey provided that:
a) The delay of baggage is more than 12 hours from the scheduled arrival time at the destination and relates to delivery of baggage that has been checked in by the carrier.
b) You give Us written proof of delay from the carrier.
c) Any claim under this additional benefit will be offset against any claim payable under Total Loss of Baggage.
3- Hijack Distress Allowance
In the event of air or sea common carrier in which You aretravelling,being hijacked on the trip abroad during the Period of Insurance for more than 12 hours, and the journey is interrupted, then We will pay US $ 125 to You for each day up to the maximum limit mentioned in the Schedule.
4- Loss of Passport
In the event that the passport belonging to You is lost, We will pay up to the limit stipulated in the PolicySchedule for the reimbursement of actual expenses necessarily and reasonably incurred in connection with obtaining a duplicate or fresh passport.
5- Financial Emergency Assistance Cover
In the event of Your getting into a financial emergency due to theft,pilferage,robbery,dacoity of Your travel funds,We will pay up to the amount stipulated in the Schedule
6- Personal Liability
a. Property Damage:
If a claim is made or a suit is brought against You for Property Damage caused by an Occurrence to which this coverage applies, We will pay up to the amount stated in the Policy Schedule or the Schedule of Benefits subject to any applicable Deductible, for Our limit of liability for the damages for which You are legally liable.
b.Medical Payments to Others:
We will pay the necessary medical expenses that are incurred or medically ascertained within one year from the date of an Accident causing Bodily Injury. Medical expenses means reasonable charges for medical, surgical, X-ray, dental, ambulance, Hospital, professional nursing, prosthetic devices and funeral services. This coverage does not apply to You or regular residents of Your household. As to others, this coverage applies only if the Bodily Injury is caused by Your activities.
7- Personal Accident
If You meet with an Injury on a trip abroad which leads to Your death or subsequent disablement,We will indemnify You in the following way:
1.Your Death: If following an Injury that directly causes Yourdeath within one year directly as a result of an accident,We will pay to Your legal heirs the Sum Insured mentioned in the Schedule.
2.YourPermanenttotal/partial disablement: If following an injury which causespermanent impairment of Your mental or physical capabilities, We will pay the following benefits depending upon the degree of disablement as provided in the Table of Benefits subject to:
a. the disablement must occur within a year of the accident
b. the disablement must be confirmed and claimed for prior to the expiry of a further period of 3 months
8- Trip Delay
We will reimburse Reasonable Additional Expenses for Trip Delay, subject to all other terms and conditions , if the aircraft in which You are booked to travel from India is delayed beyond 12 hours from the original scheduleddeparture time, up tothe maximum limit shown in the Policy Schedule or the Schedule of Benefits
9- Trip Cancellation
We will indemnify You subject to the limits shown in the Schedule , for loss of personal accommodation or travel charges paid or contracted to be paid by You which are not recoverable from any other source , following the necessary & unavoidable cancellation of the trip prior to its commencement because of
1. Your death or sudden sickness requiring minimum three days hospitalisation
2. Death of Your spouse or parent or child
3. Serious injury or sudden sickness requiring minimum three days hospitalisation of Your wife or child who were booked to travel with You and who are also insured with Us
4. Compulsory quarantine or prevention of travel by Government
10-Miss Connection
We will pay subject to all the terms & conditions, if the air craft on which You are booked to travel from India is delayed beyond 12 hours from the original scheduled arrival time at the destination of the connecting flight, We will pay the sum mentioned in the Schedule towards missed connection.
For a claim to be admissible under this Section it is condition precedent to liability that the claim is admissible under Section 9
11- Burglary (Home Contents)
We will pay You for any claim in respect of loss of or damage to contents of Your home in India(Located at the address mentioned in the PolicySchedule) caused by actual or attempted Burglary and/or Robbery during the Policy period. The cover incepts from the date of Your departure from the country and ends on the expiry date or date of return to the country whichever is earlier.Our liability will be limited to the Sum Insured specified in the Schedule.
12- Studay Interruption
We shall pay You,compensation in the event of Study Interruption up to the amount stated in the Schedule subject to the following terms.
1. In the event of Your Hospitalisation for more than one consecutive month from either a covered Injury or sickness or in the case of terminal sickness, or in the case of a medical repatriation, or
2. In case of death of any one immediate family member or the sponsor during the entire Policyperiod, which leads You to discontinue Your studies for the remaining part of the current school semester for whichTuition has been paid, We shall reimburse You, the Tuition fees which has already been advanced to the educational institution less possible/actual refunds, up to the amount stated in the Policy Schedule.
13- Accident To Sponsor
In the event of accidental injury to Your Sponsor, as stated in the Enrollment Form, resulting in his Death within the PolicyPeriodthe Company shall reimburse You the Tuition Fee incurred for the remaining period of this study up to the maximum limit stated in the Schedule of benefits. In the event of a claim, only the figures shown on official invoice(s) from the educational institution and voucher(s) of payment of the said Tuition fees, shall be used forcalculating any reimbursement to be paid by Us.
14- Compassionate Visit
We shall pay compensation,to You in the event of Compassionate Visit by one Immediate Family Member, up to the amount stated in the Schedule, as per the following terms.
In the event You areHospitalised for more than seven (7) consecutive days, and Your medical condition forbids Your repatriation and no adult member of Your immediate family is present, We or the Assistant Service Provider,after obtaining confirmation of need for acompanion from Our panel doctor / the Assistant Service Provider, will provide a round trip economy class air ticket, or first class railway ticket, to allow one immediate Family Member, during the -relevant period of insurance, to be at Your bedside for the duration of Your stay in the hospital. Additionally, We will refund the cost of stay of oneimmediate family member, up to the amount stated in the PolicySchedule. In any event, the Company's total liability for round trip transport and for daily allowances (accommodation andtransportation only) shall not exceed the maximum amount stated in the Schedule under this Policy.
In the event parent(s), spouse / child of the Insured is Hospitalized for more than (7) consecutive days, We or the Assistant Service Provider, after obtaining confirmation of need for a companion from Our panel doctor / the Assistant Service Provider,will provide a round trip economy class air ticket, or first class railway ticket, to allow You to be at the bedside of Your parent(s), spouse / child for the duration of his/her stay in thehospital. In any event, Our total liability for round-trip transportshall not exceed the maximum amount stated in the Schedule of this Policy. This Benefit does not cover any other loss, directly or indirectly, in whole or in part, including loss caused by or resulting from any exclusion mentioned in the 'General Exclusions' Section of this Policy.

1- Minimum Entry age for you (the proposer) is 18 years
2- Maximum entry age under the Policy for all is 70 years
3- A person may be enrolled under the Policy from day 1 to 70 years of age only except for Student Travel in which enrolment age is from 16 years to 35 years.
4-

1. any claim relating to events occurring before the commencement of the cover.
2. any claim if You
a) are travelling against the advice of a physician.
b) are suffering from a Pre-existing condition or any complication arising from it
c) are receiving or on a waiting list for specified medical treatment declared in a physician s report or certificate or
d) have received terminal prognosis for a medical condition.
e) are taking part in a naval, military or air force operation.
3. any claim arising out of illnesses or accidents that caused by the insured person intentionally or bycommitting a crime or as a result of drunkenness or addiction (drugs, alcohol).
4. any claim arising out of mental disorder, anxiety, stress, depression, venereal disease or any loss directly or indirectly attributable to HIV (Human Immune Deficiency Virus) and / or any HIV related illness including AIDS (Acquired Immuno Deficiency Syndrome) and / or any mutant derivative or variations thereof howsoever caused.
5. illness and accidents that are results of war and warlike occurrence or invasion, acts of foreign enemies, hostilities, civil war, rebellion, insurrection, military or usurped power, active participation in riots, confiscation or nationalisation or requisition of or destruction of or damage to property by or under the order of any government or local authority.
6. any claim arising from damage to any property or any loss or expense whatsoever resulting or arising from or any consequential loss directly or indirectly caused by or contributed to or arising from:
a) ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel or
b) the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof.
7. any claim arising out of sporting risk in so far as they involve the training or participation in competitions of professional or semi professional sportsmen or women (unless declared beforehandand necessary additional premium paid)
8. any loss, damage cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any act of terrorism regardless of any other cause or event contributing concurrently or in any other sequence to the loss