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For Comparative Insurance Quote: Om Plaza, 430/7, 1st Floor, Sant Nagar, East of Kailash, New Delhi-65
Phone: 011-41324957, 41623784, Mob:+91-8447757651 & 53 Email: ria1@surekhae.com
Overseas Travel Health Insurance Policies from India
 
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(1) Overseas Travel Health Insurance   (2) Salient Points of Overseas Travel Insurance
(3) Best & Economical Policy for Overseas Travel   (4) Selection of Overseas Travel Insurance
(5) Specimen proposal form of ICICI Lombard   (6) Policy wording individual overseas travel insurance (Tata AIG)*
(7) Policy Wording/ Proposal Form/ Brochure   (8) Policy wording overseas travel insurance (ICICI Lombard)
(9) Product details of Various Companies for Overseas Travel Insurance/Policy
 
General/ Health Insurance Companies Products
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   8- Policy wording overseas travel insurance (ICICI Lombard)
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 :
  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
    1. 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.
    2. The Company's liability under this section shall not exceed the sum insured as specified in Part I of the Schedule to the Policy.
    3. Jewellery will be covered as part of contents up to a maximum limit of Rs. 100,000.
  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).
  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.
  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.
  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.
  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 :
    1. Ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel or
    2. The radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof.
  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.
  9. Pre-existing conditions
What you need to remember?
GENERAL CONDITIONS (APPLICABLE TO ALL BENEFITS UNDER THIS POLICY)
  1. The entire scope of cover applies to sea / cruise travel as well.
  2. Minimum age of the insured shall be 6 months and maximum age shall be 70 years.
  3. In case of the Insured and Insured's Family being insured (“Family Plan”), the minimum age of the Insured persons shall be 6 months and maximum age shall be 60 years for the parents. Under Family Plan, the maximum persons that may be covered under a Policy shall be 6 inclusive of the Insured and his/her lawful spouse and maximum of four (4) dependant children below the age of 18 years. In case of family plans, the scope of cover applies to each insured member of the family separately.
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