Expenses incurred towards emergency Medical Expenses Expenses towards Dental Treatment- A separate benefit in addition to the medical expenses limit. Expenses towards issuance of duplicate passport in case of Loss of passport Legal expenses towards bail amount applicable if arrested or detained by the police or judicial authorities for any bailable offence while abroad. The cost of the round trip economy class air ticket for policy holder or his family member and accommodation charges for the family member when either the policy holder is visiting India to see any ailing family member who is hospitalized for more than 7 consecutive days, or else a family member visits the ailing policy holder abroad In the event of loss of checked in luggage, the insured is offered aCompensation as per the value of contents of the baggage. Overseas Personal Accident cover for events such as death and / or permanent total disability during the trip overseas. Domestic Personal Accident cover against death and/or permanent total disability while traveling from residence to airport or from airport to residence in India For any interruption in studies of the student due to medical reasons or due to death of an immediate family member or the sponsor,the plan offers a reimbursement of the non-refundable portion of the tuition fee for the remaining part of the current school semester. Personal LiabilityCompensation towards any legal liability that you may have to bear due to third party injury to a person or damage to a property. Exclusions Travelling for treatment as the key reason or cases where the treatment that can be delayed till the time policy holder returns back to India. Any medical expense towards the attributable to HIV (Human Imnuno Deficiency Virus) and/ or any HIV related illness including AIDS (Acquired Imuno Deficiency Syndrome) and/ or any mutant derivative or variations thereof howsoever caused. For illness and accidents that are results of wars and warlike occurrences or invasions, acts of foreign enemies, hostilities, active participation in riots, civil war, rebellion, insurrection, military or usurped power or confiscation or nationalization or requisition of or destruction of or damage to the property by or under the order of any government or local authority. For any claim arising from damage to any property whatsoever or any loss or expenses whatsoever resulting or arising from or anyconsequential lossdirectly or indirectly caused by or contributed to by or arising from Ionising radiation or contamination by radioactivity from any nuclear waste from the combustion fuel or the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof. For any claim arising out of sportingriskin so far as they involve the training or participation in competitions of professional or semi professional sportsmen or women.