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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)
17. Obligations of the Insured :
  1. For claims under trip cancellation and interruption the following documents need to be furnished. Medical reports and doctors statement if trip is cancelled or interrupted due to medical reasons. If due to employment reason, then please termination letter from the company shall be submitted. If due to other insured events, police report confirming the incident shall be submitted. In case the cancellation or interruption is owing to the sickness, injury or death of a traveling companion, the original tickets of the insured and the traveling companion indicating travel to the same destination for the same dates. It should contain the Passport number of the Insured and Period. All the bills/ receipts of reasonable additional expenses incurred and/or proof of cancellation charges levied by the carriers shall be submitted.
  2. For claims under travel delay the following documents need to be furnished. Medical reports and doctors' statement, or police report confirming the incident causing the trip delay. In case the delay is owing to the sickness, injury or death of a travelling companion, the original tickets of the insured and the traveling companion indicating travel to the same destination for the same dates. It should contain the Passport number of the Insured and Period. Please also attach all the bills/ receipts of reasonable additional expenses incurred.
  3. For claims under missed connection the following documents need to be submitted i.e. confirmation from the airline, clearly mentioning the scheduled arrival time and the actual arrival time. The reason for delay in the flight also needs to be mentioned. All the bills/ receipts of reasonable additional expenses incurred shall be submitted to the Company.
  4. For claims under bounced bookings the following documents i.e. letter from the airline or hotel stating that confirmation was done of the booking and was bounced due to over booking shall be submitted. The tariff card/ original booking confirmation indicating the cost of stay or travel, the cancellation charge applied and the original bills/ receipts for the alternative accommodation/ travel that were done shall be submitted.
  5. Any other document(s) that the Company requires from the Insured to process the claim may be asked for. If the Third Party Administrator or the Company request that bills/vouchers in a foreign language be accompanied by an appropriate translation then the costs of such translation must be borne by the Insured.
  6. Claim documents to submitted in event of a claim benefit 10 Fire & Allied Perils (Home building and contents) and benefit 11 Burglary (Home contents)
    1. First Information Report
    2. Panchnama
    3. Investigation Report by the Police
    4. Fire Brigade Report
    5. Estimate and final bills of repairers
    6. Invoices of owned articles, if required by the Company
    7. Legal opinion wherever required.
    8. And any other document as may be appropriately applicable for the claims preferred under this section of the Policy.
    1. Claims for insurance benefits must be submitted to the Third Party Administrator not later than one (1) month after the completion of the treatment or transportation home, or in the event of death, after transportation of the mortal remains/ burial.
    2. The Insured shall provide the Third Party Administrator on demand any information that is required to determine the occurrence of the Insurable Event or the Company's liability to pay the benefits. In particular, upon request, proof shall be furnished of the actual commencement date of the Trip abroad.
    3. If requested to do so by the Third Party Administrator, the Insured is obliged to undergo a medical examination by a Physician designated by the Third Party Administrator.
    4. The Third Party Administrator is authorized by the Insured to take all measures that are suitable for loss prevention and claim minimization, which includes the Insured's transportation back to the Republic of India.
    5. The Company shall be released from any obligation to pay insurance benefits if any of the aforementioned obligations are breached by the Insured.
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