| 9-Overseas Student Travel Insurance - ICICI Lombard General Insurance Company Limited |
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| Source: Website of ICICI Lombard General Insurance Company Limited |
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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. |
| (b.)The ownership or possession of vehicles, aircrafts, water crafts, or activities of the Insured involving parachuting, hang-gliding, hot air ballooning or use of firearms. |
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| (c.)Any willful, malicious or unlawful act. |
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| (d.)Insanity, the use of any alcohol/ drugs (except as medically prescribed) or drug addiction. |
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| (e.)Any supply of goods or services on the part of the Insured. |
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| (f.)Any ownership or occupation of land or buildings other than the occupation of any temporary residence. |
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| 6.Any exclusion mentioned in the 'General Exclusions' section of this Policy. |
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| Special Condition(s) : |
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| 1.The Company shall be responsible for contesting unjustified claims against the Insured and providing indemnity for damages, which the Insured has to pay. For indemnity to be provided against damages, the damages must be payable under an acceptance of liability given or approved by the Company or under a judicial decision rendered by a court of law. |
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| 2.If there is a legal action in process against the Insured over a personal liability issue, the Company may conduct the legal action, including appointment of legal counsel, at the Company's expense in the name of the Insured at the Company's sole discretion. |
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| 3.The Company will have the right, but in no case the obligation, to take over and conduct in the name of the Insured the defense of any claim and will have full discretion in the conduct of any proceedings and in the settlement of any claim and having taken over the defense of any claim, the Company may relinquish the same. |
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| In the event the Company, in its sole discretion, chooses to exercise its right in pursuance of this condition, no action taken by the Company in the exercise of such right will serve to modify or expand in any manner, what the Company's liability or obligations under this Policy would have otherwise been had it not exercised its rights under this condition. |
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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 5 - PERSONAL ACCIDENT |
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| The Company shall compensate the Insured for personal accident suffered during a Trip abroad but not exceeding the Sum Insured for the coverage as specified in Part I of the Schedule hereto. |
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| 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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| An 'accident' is considered to have occurred : |
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| 1. If the Insured suffers involuntary damage to his/ her as a result of an event that suddenly acts on his/her body from outside. |
| 2. If due to excessive exertion, a joint is dislocated or muscles, ligaments, tendons or capsules are strained or torn. |
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