Planning to travel? Well, there are a whole lot of insurance products available. Check these out:
- Checked Baggage Loss -- $500: Compensation for the permanent loss of checked-in baggage.
- Checked Baggage Delay -- $ 100: Compensation for reasonable expenses incurred for the purchase of toiletries, clothing and medication due to a delay of checked-in baggage for more than 12 hours.
- Financial Emergency Assistance -- $ 300: Emergency cash that is available to you in case your travel funds are robbed.
- Hijack/Distress Allowance: $ 125 per day for 7 days: A compensation payable in case of hijack of air or sea common carrier for more than 12 hours whilst on your trip abroad.
- Trip Cancellation & Interruption -- $ 500: Reimbursement of the non-refundable prepaid payments or the additional expenses, for the trip being cancelled or interrupted due to medical problems, personal employment problems or natural disasters.
- Missed Connection* -- $500: Reimbursement of the extra expenses incurred due to a missing a connecting flight, due to delay in the arrival of the aircraft for more then 3 hours.
- Trip Delay -- $500: Reimbursement of additional expenses incurred, up to $ 100 per day, if trip is delayed for more than 6 hours due to airline problems, medical problems, personal employment problems or natural disasters.
- Home Insurance -- Rs 20 lakh (Rs 2 million) for Building and Rs 5 lakh (Rs 500,000) for contents: If you incur such losses due to damage to you home from natural and man-made calamities or burglary, whilst on your trip abroad.
- Deductible of $100. This deductible is applicable on per illness (complete treatment) basis and not on per visit to the doctor/hospital.
Advantages
- Provides financial support outside the country
- Takes care of sudden and unforeseen expenditure
- Takes care of expenditures in foreign land away from home
- Convenient and hassle free trip for the family
Expenses arising out of loss valuables, money, securities and tickets
- Loss of passport in public places
- Personal liability of the insured
Documents required for claim procedure:
- Duly completed and signed claim form.
- Policy copy.
- Air ticket jacket / boarding pass.
Additional documents required in case of delay of baggage
- Original bills/receipts of emergency items purchased during the period when the baggage was delayed
- Property irregularity report stating the date and time of baggage arrival
- Letter from the airline as to when the baggage was returned to the insured and whether any compensation is paid towards the settlement of claim for the delay of baggage
In case of checked-in baggage
- Property irregularity report issued by the airlines
- Letter from airline confirming that the baggage has been permanently lost
- Letter from airline stating compensation received for lost baggage
- Proof of ownership of items valued in excess of $100
In case of loss of passport
- Police report obtained within 24 hours of the loss
- Bill/receipts of expenses incurred in obtaining fresh or duplicate passport.
