| 8- Policy wording overseas travel insurance (ICICI Lombard) |
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| Individual Travel Policy Wordings |
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| PREAMBLE |
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| ICICI Lombard General Insurance Company Limited (“the Company”), having received a Proposal and the premium from the Proposer named in the Part I of the Schedule referred to herein below, and the said Proposal and Declaration together with any statement, report or other document leading to the issue of this Policy and referred to therein having been accepted and agreed to by the Company and the Proposer as the basis of this contract do, by this Policy agree, in consideration of and subject to the due receipt of the subsequent premiums, as set out in the Schedule with all its Parts, and further, subject to the terms and conditions contained in this Policy, as set out in the Schedule with all its Parts that on proof to the satisfaction of the Company of the compensation having become payable as set out in Part I of the Schedule to the title of the said person or persons claiming payment or upon the happening of an event upon which one or more benefits become payable under this Policy, the Capital Sum Insured/ appropriate benefit will be paid by the Company. |
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| PART II OF THE SCHEDULE |
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| DEFINITIONS |
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| For the purposes of this policy, the terms specified below shall have the meaning set forth: |
| “Accident” means a sudden, unforeseen, and unexpected physical event beyond the control of the Insured caused by external, visible and violent means. |
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| “Air Travel”means travel by an airline/aircraft for the purpose of flying therein as a passenger. |
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| “Burglary” means an act involving the unauthorized or forcible entry to or exit from the Insured's home or attempted threat with the intent to commit an act of crime therein. |
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| “Checked-In Baggage”means the baggage handed over by the Insured and accepted by a Common carrier for transportation in the same carrier in which the Insured is or would be traveling and for which the Common carrier has issued a baggage receipt to the Insured. |
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| “Company” means the ICICI Lombard General Insurance Company Limited. |
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| “Common Carrier”means any commercial airline or ship or vessel operating under a license from the relevant authority for the transportation of passengers and cargo for hire. |
| “Deductible excess”means the amount of expenses to be incurred by the Insured before the compensation under the Cover shall become payable and shall not be reimbursed by the Company. |
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| “Disease”means an alteration in the state of the body or of some of its organs, interrupting or disturbing the performance of the functions, and causing or threatening pain and weakness or physical or mental disorder and certified by a Physician or Surgeon. |
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| “Family”means the Insured, his/her lawful spouse below the age of 60 years and maximum of four (4) dependent children (including step children and adopted children) below the age of 18 years. |
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| “Felonious Assault” means an act of violence against the Insured or a Traveling Companion requiring medical treatment in a Hospital. |
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| “Hijack”means any unlawful seizure or exercise of control, by force or violence or threat of force or violence and with wrongful intent, of Common Carrier in which the Insured is traveling. |
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| “Hospital”means any institution established for indoor care and treatment of sickness and injuries and which has been registered as a Hospital or a Nursing Home with the relevant regulatory authorities. For the purpose of this definition, the term “Hospital” shall not include an establishment, which is a place of rest, a place for the aged, a place for drug-addicts or place of alcoholics, a hotel or any other like place. |
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| “Illness”means sickness or disease first diagnosed during the Policy Period for which immediate medical treatment by a Physician is necessary. |
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