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Overseas Travel - Universal Sompo General Insurance - MoneyBloom
This is a Policy for the persons undertaking Overseas Travel. The Policy provides cover for emergency medical expenses incurred in relation to bodily injury, sickness, disease or death outside Republic of India and for repatriation of the Insured person during the period of Insurance.
This is a Policy for the persons undertaking Overseas Travel. The Policy provides cover for emergency medical expenses incurred in relation to bodily injury, sickness, disease or death outside Republic of India and for repatriation of the Insured person during the period of Insurance.
Enrollment under the Policy: Day 1 to 70 years of age only.
Pre –Acceptance Medical Checkup*: If the proposer is above 60 years
Overseas Travel Benefits
Emergency medical expenses including medical evacuation and transportation of mortal remains.
Dental emergency expenses following an accident.
Cover for Loss of checked in baggage, Delay of checked in baggage, Loss of Passport, Trip Cancellation, Flight Delay, Missed Departure/Connection and Hijack Distress.
Personal Accident Cover.
Cover for Legal Liability for bodily injury or property damage to third party.
We have plans for worldwide including US Canada in which we provide 3 sub-products : Silver, Gold, Platinum
We have plans for worldwide excluding US Canada in which we provide 3 sub-products : Silver, Gold, Platinum
We have plans for multitrip for 30 days and 45 day in which we provide 2 sub-products : Gold, Platinum
Overseas Travel Features
Repatriation of mortal remains
Medical repatriation
Hospital daily allowance
Total loss of checked baggage
Delay of checked baggage
Hijack distress allowance
Financial emergency assistance
Personal liability
Trip delay
Trip cancellation
Burglary home contents
Automatic extension of policy for 7 days
Overseas Travel Claim Process
You shall immediately contact the Alarm Center of the Overseas Assistance Provider providing the necessary details. The phone numbers of the Alarm Centre are as mentioned on the Schedule.
You need to contact the Alarm Centre number while abroad as soon as possible and inform in case You will be filing - any claim, even if assistance is not required. We will not be liable to pay any claim on return back to India, that has not been informed by You, while abroad to the Alarm Center.
The Alarm Centre, will verify the identity of the caller by asking his name passport number.
In the event of an accident or sudden illness where it is not possible to do sobefore consulting a Medical Practitioneror going to the Hospital, You shall contact the Alarm Centre as soon as possible. In either case, when being admitted as a patient,You shall show the concerned Medical Practitioneror personnel this Policy, if requested.
In case of Financial Emergency, You shall immediately contact the Alarm Centre stating the details given on Your Insurance Policy along with the police report containing the passport number and a written statement narrating the incident of loss i.e. causes, circumstances and the place. Failure to do so may prejudice Your claim, as Our liability will only attach in case of claim supported by above documents.
In case of Hijacking, the fact of the incident having occurred should be confirmed by the proper police authorities. The police report should contain details such as the passport number of the Insured, the period of hijack, etc. In rare casesWe may consider the other supporting documents such as a report issued by the airlines, newspaper reports, TV and other media coverage with regard to the particular hijacking incident.
If the procedure stated above is complied with, the Overseas Assistance Provider, as the case may be, will guarantee to the service provider the costs of hospitalization, transportation for emergency services, transportation home for You and any covered accompanying person and Financial Emergency Assistance. All costs will be directly settled by the Overseas Assistance Provider on Our behalf and the same shall constitute due discharge of Our obligations hereunder.
If the service provider does not accept the guarantee of payment from the Overseas Assistance provider, We cannot be held responsible for the same. The relevant costs will then have to be borne by You. These costs will then be considered for reimbursement by - Us or the Overseas Assistance Provider on submission of required documents.
Reimbursement of all claims (except claims under Financial Emergency Assistance) will be made by the Overseas Assistance Provider in Indian Rupees on the insured's return back to the Republic of India, at the exchange rate specified by the Reserve Bank of India, as applicable on the date the amount is billed.
Claims under Financial Emergency Assistance shall be settled/arranged directly to You, whilst abroad, by the Overseas Assistance Provider.
In case of burglary loss at the home of the insured whilst on the trip abroad, the loss is to be intimated to the Overseas Assistance Provider in India.
The company shall appoint an independent surveyor to assess the loss.
In the unfortunate event of any eventuality resulting into a claim on this Policy, please intimate the mishap IMMEDIATELY to Our Call Centre at Toll Free Numbers on 1-800-22-4030 (for MTNL/BSNL users) or 1-800-102-4030 or 1-800-200-4030 (other users) or on chargeable numbers at +91-22-27639800/+91-22-41582900/+91-22-41582999/+91-22-39133700.
Please note that no delay should be allowed to occur in notifying a claim on the Policy as the same may prejudice liability.
In case of any discrepancy, complaint or grievance, please feel free to contact us within 15 days of receipt of the Policy.
Overseas Travel Exclusions
Any claim relating to events occurring before the commencement of the cover.
Any claim if You –a) are travelling against the advice of a physician.b) are suffering from a Pre-existing condition or any complication arising from itc) are receiving or on a waiting list for specified medical treatment declared in a physician’s report or certificate ord) have received terminal prognosis for a medical condition.e) are taking part in a naval, military or air force operation.
Any claim arising out of illnesses or accidents that caused by the insured person intentionally or bycommitting a crime or as a result of drunkenness or addiction (drugs, alcohol).
Any claim arising out of mental disorder, anxiety, stress, depression, venereal disease or any loss directly or indirectly attributable to HIV (Human Immune Deficiency Virus) and / or any HIV related illness including AIDS (Acquired Immuno Deficiency Syndrome) and / or any mutant derivative or variations thereof howsoever caused.
Illness and accidents that are results of war and warlike occurrence or invasion, acts of foreign enemies, hostilities, civil war, rebellion, insurrection, military or usurped power, active participation in riots, confiscation or nationalization or requisition of or destruction of or damage to property by or under the order of any government or local authority.
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:a) ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel orb) the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof.
Any claim arising out of sporting risk in so far as they involve the training or participation in competitions of professional or semi professional sportsmen or women (unless declared beforehand and necessary additional premium paid)
Any loss, damage cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any act of terrorism regardless of any other cause or event contributing concurrently or in any other sequence to the loss
