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| BENEFIT 15 - BOUNCED BOOKINGS OF HOTEL AND AIRLINES |
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What it covers?
The Company hereby agrees, subject to the terms, conditions and exclusions herein contained or otherwise expressed herein, to reimburse the Insured the hotel booking / airline ticket is bounced due to over booking. |
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To claim this benefit under non-availability of accommodation on account of over booking by the hotels or airlines, the insured should have reconfirmed the booking in advance and should have written proof of the same. Wait listed booking will not be compensated for. The compensation will be reimbursed for reasonable additional cost incurred in staying at a similar hotel or buying a new ticket, less the refund / compensation given by the airline or hotel. |
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The compensation under this cover 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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What you need to watch out for?
GENERAL EXCLUSIONS (APPLICABLE TO ALL BENEFITS UNDER THE POLICY)
Without prejudice to anything contained in this Policy, the Company shall not be liable to make any payments in respect of : |
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1.Any claim relating to events occurring before the commencement of the cover or otherwise outside of the Period of Insurance.
2.Any claim if the Insured |
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(a)Is traveling against the advice of a physician.
(b)Is receiving, or is on a waiting list to receive, specified medical treatment declared n a physician's report or certificate.
(c)Has received terminal prognosis for a medical condition
(d)Is taking part in a naval, military or air force operation. |
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3.Any claim arising out of illnesses or accidents that the Insured has caused intentionally or by committing a crime or as a result of drunkenness or addiction (drugs, alcohol). |
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4.Any claim arising out of mental disorder, anxiety, stress, depression, venereal disease or any loss directly or indirectly attributable to HIV (Human Immuno Deficiency Virus) and/or any HIV related illness including AIDS (Acquired Immuno Deficiency Syndrome) and/or any mutant derivative or variations thereof howsoever caused. |
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5.Illness and accidents that are results of war and warlike occurrence or invasion, acts of foreign enemies, hostilities, civil war, rebellion, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power, active participation in riots, confiscation or nationalisation or requisition of or destruction of or damage to property by or under the order of any government or local authority. |
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6.Any act of terrorism which means an act, including but not limited to the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s) or government(s), committed for political, religious, ideological, or ethnic purposes or reasons including the intention to influence any government and/or to put the public, or any section of the public, in fear. |
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7.Any claim arising from damage to any property or any loss or expense whatsoever resulting or arising from or any consequential loss directly or indirectly caused by or contributed to or arising from : |
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(a)Ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel or
(b)The radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof. |
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8.Any claim arising out of sporting activities in so far as they involve the training or participation in competitions of professional or semi-professional sports persons, unless declared beforehand and necessary additional premium paid. |
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| 9.Pre-existing conditions. |
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