| 9-Overseas Student Travel Insurance - ICICI Lombard General Insurance Company Limited |
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| 7. Treatments relating to the removal of physical flaws or anomalies (cosmetic treatment or 'plastic' surgery in any form or manner). |
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| 8. Any costs incurred in connection with rest cures or recuperation at a spa or health resort, sanatorium, convalescence home or similar institution. |
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| 9.Any exclusion mentioned in the 'General Exclusions' section of this Policy. |
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* Deductible of US$ 100. This deductible is applicable on per illness (complete treatment) basis and not on per visit to the doctor / hospital.
** Deductible of US$ 50 - Applicable for each separate claim.
# If not a pre-existing disease. |
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| BENEFIT 3 - TOTAL LOSS OF CHECKED BAGGAGE |
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The Company shall compensate the Insured for the total loss of checked-in baggage specified on the trip abroad. The payment for this benefit will be limited to the travel destinations specified in the main travel ticket from India and return trip back to India during the trip abroad. All halts and via destinations included in this main travel ticket will also be considered for payment under this benefit. The compensation will not exceed the Sum Insured for the coverage as mentioned in Part I of the Schedule hereto. The deductible excess in respect of this benefit will be applicable for each separate claim, and shall be of an amount as specified in Part I of the Schedule to this Policy. |
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| Terms and Conditions : |
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| 1. The Company will compensate the Insured for the market value of checked-in baggage in the event of total and complete loss of such checked-in baggage caused by a carrier (i.e. airline, ferry company etc.) up to the limits stipulated in the Schedule provided that : |
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| (a.) Maximum amount payable per checked-in bag, in case more than one bag has been checked-in, is 50 % of the applicable Sum Insured. In case of only one bag being checked-in, the amount payable is 100% of the applicable Sum Insured. |
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(b.) Insured has provided all reports, documents and other details concerning the loss to the Third Party Administrator.
For the purposes of this Benefit, "market value" is the sum required to purchase new items of the same kind and quality less an amount representing wear and tear, usage, etc. at the time of loss. |
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| 2. In the event that the Company makes any payment or reimbursement under this benefit, it is a condition of such payment that any recovery from any carrier by the Insured, or on behalf of the Insured, under the terms of the Convention for the Unification of Certain Rules Relating to International Carriage by Air, 1929 ("Warsaw Convention") shall become the property of the Company. |
Exclusions :
The Company shall not be liable to make any payment under this benefit in connection with or in respect of any expenses whatsoever incurred by the Insured in connection with or in respect of: |
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| (a.) Valuables and money, all kinds of securities and tickets/passes or any other item not declared to, and agreed to by, the Company. |
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| 3. Any partial loss of the items contained within the checked-in baggage. |
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| 4. Items contained within the checked-in baggage, which are valued in excess of US $ 100 without appropriate proof of ownership. |
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| 5. Losses arising from any delay, detention, confiscation by customs officials or other public authorities. |
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| 6. Loss due to complete/partial damage of the checked-in baggage. |
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| 7. Any checked-in baggage loss in the Republic of India. |
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| 8. Any exclusion mentioned in the 'General Exclusions' section of this Policy. |
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| BENEFIT 4 - PERSONAL LIABILITY |
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The Company will compensate the Insured in the event the Insured becomes legally liable to a third party under statutory liability provisions in private law for an incident which results in death, injury or damage to the health of such third party or damage to his/her properties, but not exceeding the Sum Insured specified in Part I of the Schedule to this Policy and provided the incident occurs during the Period of Insurance and whilst on a Trip abroad. The deductible excess in respect of this benefit will be applicable for each separate claim, and shall be of an amount as specified in Part I of the Schedule to this Policy. |
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Exclusions:
The Company shall not be liable to make any payment under this benefit in connection with or in respect of any expenses whatsoever incurred by the Insured in connection with or in respect of : |
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| 1. Any claim arising from Insured's contractual liability or through promises made by the Insured. |
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| 2. Any claim of personal liability of the Insured towards his/her family, relations and traveling companions, whether personal or official. |
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| 3. Any claim resulting from transmission of an illness or disease by the Insured. |
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| 4. Any claim or damage resulting from professional activities involving the Insured. |
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| 5. Any claim for liability arising directly or indirectly from or due to: |
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| (a.) The possession of animals. |
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