| 8- Policy wording overseas travel insurance (ICICI Lombard) |
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| Special Conditions |
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| SPECIAL CONDITIONS APPLICABLE TO BENEFIT 7 - PERSONAL ACCIDENT |
- In the event of partial loss or impairment of the function of one of the above parts of the body or senses, the appropriate proportion of the percentage stated in the Table of Benefits will be considered for payment.
- If the accident impairs a number of physical or mental functions, the degree of disablement given in the Table of Benefits will be added together, but the amount payable shall not exceed 100% of the Sum Insured specified in Part I of the Schedule to this Policy.
- If the accident affects parts of the body or senses whose loss or inability to function is not dealt with above, the governing factor in determining the benefit amount in such a case will be the degree to which the normal physical or mental capabilities are impaired, solely from a medical point of view, as ascertained by the Third Party Administrator.
- If the accident affects any physical or mental function, which was already impaired beforehand, a deduction will be made equal in amount for this prior disablement.
- If the Insured dies for a reason unconnected with the accident within a year of the accident for whatever reason, and if a claim for disablement payment had arisen, then the payment will be made in accordance with the degree of disablement which would have been expected to exist from the findings of the last medical examination made.
- In the event of permanent disablement, the Insured will be under obligation :
- To have himself/herself examined by doctors appointed by the Company/ the Third Party Administrator and the Company will pay the costs involved thereof.
- To authorize doctors providing treatments or giving expert opinion and any other authority to supply the Company any information that may be required.
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| If the above obligations are not met with due to whatsoever reason, the Company shall be relieved of its liability to pay. |
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| BENEFIT 8 - HIJACK DISTRESS ALLOWANCE |
| What it covers? |
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The Company shall pay to the Insured, compensation in the event of hijack of a common carrier in which the Insured is traveling on a Trip abroad, but not exceeding the Sum Insured for the coverage as specified 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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| Conditions |
| TERMS & CONDITIONS APPLICABLE TO BENEFIT 8 - HIJACK DISTRESS ALLOWANCE |
| In the event that the common carrier in which the Insured is traveling is hijacked on the Trip abroad during the Period of Insurance and the Insured's journey is interrupted or disrupted for more than twelve (12) hours, then the Company will pay the Indian Rupee equivalent of US $ 125 for each day of delay caused to the Insured, subject to a maximum amount of Sum Insured specified in Part I of the Schedule hereto. |
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| What it does not cover? |
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| EXCLUSIONS APPLICABLE TO BENEFIT 8 - HIJACK DISTRESS ALLOWANCE |
| 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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