Policy Conditions and Benefits:

Common Carrier Delay :

Definitions specific to this coverage:

1.  Equipment Failure: means any sudden, unforeseen breakdown in the Common Carrier's equipment that caused a delay or interruption of normal trips.
2.  Covered Expenses: means any expenses for meals and lodging which were necessarily incurred and not provided by the Common Carrier or any other party free of charge. Such expenses should be incurred in the place from where the Common Carrier is scheduled to depart from.
3.  Inclement Weather: means any severe weather condition, which delays the scheduled arrival or departure of the Common Carrier but not including normal, seasonal/climatic weather changes. 4. Public Authority: means any governmental, quasi-governmental organization or any statutory body or duly authorized organization with the power to enforce laws, and command, determine, or judge. 5. Strike: means any labor disagreement, which interferes with the normal departure and arrival or departure of Scheduled Airlines/Scheduled Railways and is defined as legal by relevant authorities in the respective Place of Origin.

Coverage:

The Company will reimburse Covered Expenses, if Insured Person’s Trip is delayed due to late departure of a Common Carrier arising out of:-: -

1. Inclement weather,
2. Strike or other job action by employees of Common Carrier,
3. Equipment failure of Common Carrier,
4. any order or direction by Government or Public Authority,
5. Operational reasons at the departure airport due to air traffic restrictions,
6. Operational reasons of Common Carrier by which Insured Person is travelling.

The Company is liable to pay the Claim only if the delay in departure of Common Carrier is more than the Time Deductible hours mentioned on Policy Schedule/Certificate of Insurance

Exclusions specific to this coverage:

In addition to the General Exclusions listed in this Policy this Coverage shall not cover: -

1.  Delay which was made public or known to Insured Person, prior to the date, Insured Person’s trip was booked or was announced 12 hours before the scheduled departure time of the Common Carrierby  which Insured Person is travelling.
2. Strikes or labor disputes which existed, or of which advance warning had been given prior to the date on which trip was booked.
3. Cancellation of the Common Carrier and /or cancellation of Insured Person’s Trip

Claims documentation specific to this Coverage:

Below is a general check-list of documents. This should be read in conjunction with Policy Wordings - Section 5, Claim procedure and Document

1. Claim form duly completed and signed by the Insured Person.
2. Copy of cancelled cheque/NEFT form.
3. Copy of Ticket & Boarding Pass with original scheduled itinerary and date of booking
4. Copy of bills and receipts for the meals and accommodation during the delay period if any.
5. Copies of Correspondence with the Airline authorities certifying with reason for the delay.

Delay of Checked-In Baggage

Delay of Checked-In Baggage means the baggage entrusted by Insured Person and accepted by Common Carrier for Transportation for which a baggage receipt is issued to Insured Person. This also includes the  contents of the baggage checked in by Insured Person as long as such contents do not violate any specific  policy or rule restricting the nature of items that may be carried on board in Common Carrier.

Coverage:

The Company will pay a fixed amount if Insured Person’s Checked-in Baggage is delayed or misdirected by Common Carrier for more than the number of consecutive hours as mentioned in the Policy schedule/Certificate of Insurance from the time Insured Person arrives at the destination stated on his ticket during Insured Journey whilst on Trip.

Insured Person must be a ticketed passenger on the Common Carrier. Any such delay or misdirection of Checked-in-Baggage must be certified by the Common Carrier for admissibility of Claim.

Exclusions Specific to this coverage

1. This shall exclude all the items that are carried / transported under a contract of affreightment.

Loss of Checked-in Baggage

Definitions specific to this coverage:

1. Checked-In Baggage means the baggage entrusted by Insured Person and accepted by Common Carrier for Transportation for which a baggage receipt is issued to Insured Person. This also includes the contents of the baggage checked in by Insured Person as long as such contents do not violate any  specific policy or rule restricting the nature of items that may be carrier on board in Common Carrier.
2. Theft: means an act of illegally permanently depriving Insured Person and /or Insured Person’s Immediate Family Member of the possession of the Contents by any person by violent or forceful means or otherwise.
3. Public Authority: means any governmental, quasi-governmental organization or any statutory body or duly authorized organization with the power to enforce laws, and command, determine, or judge.

Coverage:

The Company will reimburse the non refundable cost of an entire piece of Checked-In Baggage and its contents, held in the care, custody and control of the Common Carrier, due to Theft or misdirection by the  Common Carrier or due to non- delivery at its destination during Insured Journey whilst on Trip. Insured Person must be a ticketed passenger on the Common Carrier.

The maximum amount to be reimbursed per bag and the maximum value per article contained in any bag of  the amount will be as stated in the Policy Schedule / Certificate of Insurance. A combined maximum limit  of 10% is applicable on jewellery, watches, articles consisting in whole or in part of silver, gold or platinum, furs, articles trimmed with or made mostly of fur.

Any such Loss of Checked-in-Baggage must be certified by the Common Carrier for admissibility of Claim.Benefits for Checked-in Baggage and Personal Effects will be in excess of any amount paid or  payable by the Common Carrier responsible for the loss or any other valid and collectible insurance.

In the event of same claim being admissible under both Coverages Delay of Checked-In Baggage and Loss of Checked-In Baggage, the amount that has already been admitted / payable under this Coverage Delay Of  Checked-In Baggage shall be deducted from the amount admissible / payable under Loss of Checked- In  Baggage.

Exclusions Specific to this coverage:

In addition to the General Exclusions listed in this Policy this Coverage shall not cover: -

1. Loss to or destruction of the baggage arising from detention, confiscation or distribution by customs, police or other Public Authorities.
2. Damage to the Baggage or partial loss of its contents.
3. Animals, motor vehicles (including accessories), motorcycles, boats, motors, any conveyance, (except bicycles while checked as baggage with Common Carrier), snow skis, household effects, antiques, electronic equipment such as computers (including software and accessories), personal data assistants or handheld computers, cellular phones, digital video disc player, compact disc player, video camcorder, eyeglasses or sunglasses, contact or corneal lenses, artificial teeth, bridges or prosthetic limbs, hearing aids, valuables, money, securities such as credit cards, debit cards, cheques, traveler cheques, membership cards, tickets or documents, business good or samples, data recorded on tapes, cards, discs or otherwise, musical instruments, perishables and consumables.
4. Loss to property insured under any other insurance Policy.
5. Loss of Insured Person’s baggage sent in advance or souvenirs and articles mailed or shipped separately.
6. This shall exclude all the items that are carried / transported under a contract of affreightment.

Trip Cancellation 

Definitions specific to this coverage: 

1. Catastrophe: means an unexpected natural event, such as an earthquake, tsunami or flood which causes widespread loss, damage, or disruption at locations which are forming part of the trip. 2. Covered Expenses means Non-refundable travel ticket cost.
2. Public Authority: means any governmental, quasi-governmental organization or any statutory body or duly authorized organization with the power to enforce laws, and command, determine, or judge. 4. Strike: means any labor disagreement, which interferes with the normal departure and arrival or departure of Scheduled Airlines/Scheduled Railways and is defined as legal by relevant authorities in the respective Place of Origin.

Coverage:

The Company will reimburse Covered Expenses in the event of cancellation of Insured Person’s Trip prior to commencement of such Trip due to: -

1. Illness and / or Injury requiring Hospitalisation or death of Insured Person, Insured Person’s Traveling Companion, Insured Person’s Spouse and/or Parent and/or Child (ren), Insured Person’s Traveling Companion's Spouse and/or Parent and/or Child (ren).
2. Occurrence of a Catastrophe.
3. Mass bandhs or widespread Strikes acknowledged / published by Public Authority, which the Insured Person could not reasonably avoid or plan ahead in time.
4. Cancellation caused by Government regulations or control.
5. Cancellation by Common Carrier which was scheduled for departure for such Trip.

Exclusions Specific to this coverage:

In addition to the General Exclusions listed in this Policy, this Coverage shall not cover: - 1. Any of the covered causes for Trip cancellation, which were known to Insured Person prior to the booking date of Insured Person’s Trip or Policy issue date whichever is later.

Trip Interruption

Definitions specific to this coverage:

1. Catastrophe: means an unexpected natural event, such as an earthquake, tsunami or flood which causes widespread loss, damage, or disruption at locations which are forming part of the trip.

2. Covered Expenses means

a) Non refundable travel costs and / or Non-refundable accommodation costs

b) Additional accommodation necessarily incurred at the place of interruption and / or travel expenses (excluding telephone costs, meals and beverages) necessarily incurred by the Insured Person to return by the most direct and economical route possible to his Place of Destination , where Insured Person had started the Trip.

3. Public Authority: means any governmental, quasi-governmental organization or any statutory body or duly authorized organization with the power to enforce laws, and command, determine, or judge. 4. Strike: means any labor disagreement, which interferes with the normal departure and arrival or departure of Scheduled Airlines/Scheduled Railways and is defined as legal by relevant authorities in the respective Place of Origin.

Coverage:

The Company will reimburse the Covered Expenses following shortening and / or alteration of the Trip, due to: -

1. Illness and / or Injury requiring Hospitalisation or death of Insured Person or Insured Person’s Traveling Companion or Insured Person’s Family, Insured Person’s Traveling Companion's Spouse and/or Parent and/or Child (ren) during the Trip.
2. Occurrence of Catastrophe.
3. Mass bandhs or widespread Strikes acknowledged / published by Public Authority which the Insured Person could not reasonably avoid or plan ahead in time.

In the event of same claim being admissible under both 3.12. Add on - Trip Interruption and 5.1. Add on - Accommodation Cancellation, the amount that is payable under this Coverage 3.12. Add on - Trip Interruption shall not be admissible under 5.1. Add on - Accommodation Cancellation

Exclusions Specific to this coverage:

In addition to the General Exclusions listed in this Policy this Coverage shall not cover: Any facts or matters which led to delay or which were publicly announced in advance, which the Insured Person

Missed Connecting Flight  

Definitions specific to this coverage:

1. Catastrophe: means an unexpected natural event, such as an earthquake, tsunami or flood which causes  widespread loss, damage, or disruption at locations which are forming part of the trip
2. Covered Expenses: means Non-refundable travel ticket costs.
3. Public Authority: means any governmental, quasi-governmental organization or any statutory body or  duly authorized organization with the power to enforce laws, and command, determine, or judge.  4. Strike: means any labor disagreement, which interferes with the normal departure and arrival or  departure of Scheduled Airlines/Scheduled Railways and is defined as legal by relevant authorities in  the respective Place Of Origin.  

Coverage:

The Company will reimburse Covered Expenses, if the Insured Person misses the flight through which the  Insured Person’s Trip would have commenced, due to:  

1. Accident or Mechanical Breakdown of the <<mode of transport as mentioned in Policy Schedule /  Certificate of Insurance>> which was being used by Insured Person immediately prior to reaching  Airport/Sea Port.  
2. Mass bandhs or widespread Strikes enroute the Trip which is acknowledged / published by Public  Authority, which the Insured Person could not reasonably avoid or plan in time.  
3. Any cancellation of <<mode of transport as mentioned in Policy Schedule / Certificate of  Insurance>>caused by Government regulations or control  
4. Occurrence of Catastrophe.  

For admissibility of Claim under this Coverage it is a condition precedent that the Missed Flight/Cruise should  be solely due to the reasons as mentioned above and provided the time gap between the expected arrival of the  << mode of transport as mentioned in the Policy Schedule / Certificate of Insurance>> at the Airport and  departure of the Missed Flight is more than three (3) hours  

Exclusions Specific to this coverage:

In addition to the General Exclusions listed in this Policy this Coverage shall not cover: -

1. Any facts or matters which led to delay or which were publicly announced in advance, which the  Insured Person was aware.  
2. Any deviation from originally scheduled route at the insistence of Insured Person

PERSONAL ACCIDENT

The Company’s total liability for all Claims admissible in aggregate under Accidental Death and Permanent Total Disability and Permanent Partial Disability shall not exceed the Sum Insured as mentioned in the Policy Schedule .

Accidental Death

The Company will pay the Sum Insured as mentioned in Policy Schedule / Certificate of Insurance in the  event of death of the Insured Person caused by an Accident whilst on Trip. The loss must occur within 12  (Twelve) months from the date of the Accident.

The Company will pay, the Sum Insured less any other amount paid/payable under Coverage: Permanent  Total Disability, Permanent Partial Disability, of this Policy, if these Coverages are opted under this Policy,  as a result of the same Accident.

Once a Claim has been accepted then this Coverage shall immediately and automatically cease in respect of that Insured Person.

Disappearance

The Company will pay for Death of Insured Person whilst on a Trip, if the Insured Person’s body cannot be  located within one (1) year after the forced landing, stranding, sinking or wrecking of a Common Carrier in which the InsuredPerson was a passenger or as a result of any Acts of God, in which case it shall be deemed, that  he shall have suffered loss of life within the meaning of the Policy

Once a Claim has been accepted then this Coverage shall immediately and automatically cease in respect of that Insured Person.

Claims Documentation

Claim form duly completed and signed by the Insured Person/Nominee

1. Copy of cancelled cheque/NEFT form
2. Copy of Medical records/discharge summary in case of Hospitalisation/treating doctor's report and Prescription if applicable
3. Original Bills/Receipts
4. Copy of diagnostic reports/Pathological/Radiological reports, if any
5. Copy of Death Certificate with cause of death
6. Attested Postmortem report / Coroner's report
7. Attested copy of FIR/ Police Inquest report /Police Panchanama, where applicable. 8. Copy of Ticket & Boarding Pass with original scheduled itinerary

Permanent Total Disability

The Company will pay such percentage of Sum Insured if an Injury caused by an Accident, directly and independently results in permanent total disability within twelve (12) months of the date of Accident during the Trip.

Liability under this extension shall only be admissible provided

a. such Injury should result in at least one of the losses as shown in the Table of Losses-A below b. for any Functional Loss such Functional Loss has continued for a period of twelve (12) consecutive months andis total, continuous and permanent at the end of this period.

The Company will pay such percentage of Sum Insured less any other amount paid/payable under  Coverage: Permanent Partial Disability of this Policy, if these Coverages are offered under this Policy, as  a result of the same Accident.

Once a Claim has been accepted and 100% Sum Insured has been paid then this Coverage shall  immediately and automatically cease in respect of that Insured Person.

Table of Losses -A

a. The criteria for deciding Functional Loss of body part for the permanent total disability shall be based on a certificate from treating medical practitioner’s certificate / disability certificate from civil surgeon.

b. Functional Loss for the purposes of this Extension means Injury due to Accident leading to loss and the total and permanent inability to perform all the usual and customary duties and activities of a person of like age and sex.

c. “Loss” with regard to

(a) Hand or Foot means actual severance through or above the wrist or ankle joints. (b) Eye means entire and irrecoverable loss of sight.

(c) Thumb and Index Finger means actual severance through or above the joint that meets the hand at the palm.

(d) Speech or Hearing means entire and irrecoverable loss of speech or hearing of both ears

Claims Documentation

Claim form duly completed and signed by the Insured Person

1. Copy of cancelled cheque/NEFT form
2. Copy of Ticket & Boarding Pass with originalscheduled itinerary and date of booking.
3. Copy of Medical records/discharge summary in case of Hospitalisation/treating doctor's report and Prescription if applicable.
4. Original Bills/Receipts.
5. Copy of diagnostic reports/Pathological/Radiological reports, if any
6. Certificate from competent medical authority / Doctor like Civil Surgeon, confirming the Disability - percentage of disability/ period and prognosis
7. Attested copy of FIR/ Police Inquest report / Police Panchanama/Medico-legal certificate,

 Permanent Partial Disability

The Company will pay a specified percentage of the Sum Insured as mentioned in Policy Schedule /  Certificate of Insurance for Injury because of an Accident, directly and independently resulting in  Permanent Partial Disability within twelve (12) months of the date of Accident during the Trip provided  such disability and is total, continuous and permanent, as mentioned in Table of Losses –B.

If the Insured Person suffers more than one of the below mentioned loss as a result of the same Accident,  the Company will add the percentages of each disability. However, the Company will not pay more than  100% of the Sum Insured stated in the Policy.

If a Claim is admitted under Permanent Total Disability, then no Claim can be admitted under this  Coverage which arises out of the same Accident.

Once a Claim has been accepted and 100% Sum Insured has been paid then this Coverage shall  immediately and automatically cease in respect of that Insured Person

Table of Losses- B

“Loss” with regard to:

(a) Toe, Finger, Thumb means actual complete severance from the foot or Hand.

(b) Hearing means entire and irrecoverable loss of hearing.

Claims Documentation:

Claim form duly completed and signed by the Insured Person

1. Copy of cancelled cheque/NEFT form 3.Copy of Ticket & Boarding Pass with original scheduled itinerary and date of booking.
2. Copy of Medical records/discharge summary in case of Hospitalisation/treating doctor's report and Prescription if applicable.
3. Original Bills/Receipts.
4. Copy of diagnostic reports/Pathological/Radiological reports, if any
5. Certificate from competent medical authority / Doctor like Civil Surgeon, confirming the Disability - percentage of disability/ period and prognosis
6. Attested copy of FIR/ Police Inquest report / Police Panchanama/Medico-legal certificate,