| 8- Policy wording overseas travel insurance (ICICI Lombard) |
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| BENEFIT 11 - BURGLARY (HOME CONTENTS) |
| What it covers ? |
The Company hereby agrees, subject to the terms, conditions and exclusions herein contained or otherwise expressed herein, to pay to the insured a sum as compensation for any loss or damage sustained by the insured caused by burglary and/or attempted burglary, to the contents of insured's dwelling subject to the total liability of the Company for loss or damage due to attempted burglary shall not exceed Rs.15,000/- in any one year irrespective of the number of such incidents or occurrences arising out of such incidents.
The Company shall compensate the Insured for any loss or damage, caused on account of burglary or attempted burglary, to the contents of Insured's premises.
The Company's liability under this section shall be subject to the following : |
- The Company's liability shall be subject to a deductible of an amount as specified in Part I of the Schedule to the Policy, for any and all claims arising in a particular year.
- The Company's liability under this section shall not exceed the sum insured as specified in Part I of the Schedule to the Policy.
- Jewellery will be covered as part of contents up to a maximum limit of Rs. 100,000.
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| What it does not cover? |
| EXCLUSIONS APPLICABLE TO BENEFIT 11- BURGLARY (HOME CONTENTS) |
| The Company shall not be liable to make any payment under this Policy in connection with or in respect of any expenses whatsoever incurred by any Insured in connection with or in respect of : |
- Loss or damage caused by the Insured's and/or Insured's employee(s) or agents and / or Insured's Family member's direct or indirect involvement in the actual or attempted burglary;
- Any loss or damage to, or on account of loss of, livestock, motor vehicles, pedal cycles, money, securities for money, stamp, bullion, deeds, bonds, bills of exchange, promissory notes, stock or share certificates, business books, manuscripts, documents of any kind, ATM debit or credit cards, precious stones that are not part of jewellery or ornaments, gold bullion (unless previously specifically declared to, and accepted by, the Company in writing);
- Loss or damage to any property/item illegally acquired, kept, stored or property subject to forfeiture in any manner whatsoever;
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| BENEFIT 12 - TRIP CANCELLATION AND INTERRUPTION |
| What it covers ? |
| The Company hereby agrees, subject to the terms, conditions and exclusions herein contained or otherwise expressed herein, to pay to the Insured compensation if a Trip is delayed, canceled, or interrupted due to any of the following unforeseen reasons: |
- Unforeseen Illness, Injury, or death of the Insured or Insured's Family Member. Injury or Illness must be so disabling as to reasonably cause a Trip to be delayed, canceled, or interrupted;
- Termination of employment or layoff affecting the Insured or the Traveling Companion of the Insured, provided that the Insured or the Traveling Companion, as the case may be, have been employed with the employer for at least five continuous years.
- Inclement Weather conditions causing delay or cancellation of the Trip;
- The place intended to be occupied by the Insured for purposes of Insured's stay during the Trip or the Destination being made uninhabitable by fire, flood, vandalism, burglary, or Natural Disaster;
- The Insured being abducted or quarantined;
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