Travel is an inevitable part of life now days. One has to travel for business purpose, for study, for vacation, corporate meetings etc. There may be many unforeseen event can happen which may interrupt your travel. Travel Insurance is there to save you from the problem arises out of these unanticipated events. They will provide you insurance against the expenses which may occur for the treatment of illness, accidents etc. They also provide insurance against loss of baggage or passport. With travel insurance you can travel with complete peace of mind. Somebody is there to help you out at the unfamiliar places. Travel Insurance plans offered by New India Assurance Company. New India Assurance offers different products for domestic and overseas travellers. These plans provide you security against the expenses incurred due to any illness, accidents, loss of baggage etc. Two type of travel insurance is provided by the company: Suhana Safar Policy Overseas Mediclaim Policy Suhana Safar Policy: Suhana safar policy is exclusively designed for domestic travellers. The domestic traveller can avail insurance for shorter duration as well for longer duration up to 60 days. Any mode of transportation is covered under the policy such as- by bus, by train, by air, by water or by own vehicle. This policy provide you the security against loss or damage of baggage of you, your spouse and dependent children. This cover starts from the declared place of departure and come to an end at the scheduled date of arrival or the actual arrival whichever is earlier. This policy also provides security against personal accidents. Accidental risk cover up to Rs 1 lakh per head is covered under this policy. Rescannable Actual emergency incidental expenses up to Rs 1000/- per head will be reimbursed for every member. Sum assured for loss of baggage is depending upon the insurance of the accompanied persons. Premium charged will be depending upon the number of person covered under the policy. For one person premium is Rs 80/- inclusive of accidental and baggage insurance. Service tax will be charged extra. Eligibility: Any Indian resident who is a frequent domestic traveller is eligible to avail the insurance plan. Benefits: This policy covers any journey within the country. This policy provides insurance for any mode of transportation includes- Road, air, water or train. If you are travelling by your own vehicle it is also covered under the plan. This policy covers the journey for shorter period or for the journey up to 60 days. Cover starts at the date of departure and end at the schedule date of arrival or actual arrival whichever is earlier. This policy covers the expenses of bodily damage occurred due to personal accident. This policy covers the expenses made out of loss of baggage of self or family members including spouse and dependent children. Accidental risk cover up to Rs 1 lakh per head is covered under this policy. Rescannable Actual emergency incidental expenses up to Rs 1000/- per head will be reimbursed for each member. Loss of baggage is also covered up to the maximum of total amount insured. Premium: Premium for the policy is depending upon the total number of people who is insured under the plan. Service tax will be charged separately. For one person premium is Rs 80/- inclusive of accidental and baggage insurance plus service tax. Specification: You have to declare in advance about the item in your baggage whose cost is Rs 500/- or more. You have to intimate about the accident to the nearest branch of company. If you cancelled your trip 2 days prior to departure in that case cancellation of policy is allowed. How to apply: You can download the application form for Suhana Safar Insurance plan from companys website and submit it to their nearest branch along with other required documents. Also you can directly visit their branch to complete the formalities. How to Claim: You need to contact their nearest branch to intimate them about the incident. Fill the claim form provide the necessary proof and documents and all your expenses will be reimbursed. Exclusion: No insurance claim will be provided for the loss of articles like precious gems, jewellery, precious metals, money, share, certificates, bonds, promissory notes, and stamp or travel tickets, business books. If the insured person is drug addict or self injured or suicide clause, no claim will be entertained. If the insured person participated in any war, nuclear explosion etc no claim will be entertained. Overseas Mediclaim Policy: This plan is specially designed for the frequent corporate travellers. It provides you cover against expenses incurred outside your country on account of sickness, accidents with physical injuries or any disease contracted during travel. You need to pay the premium in Indian currency and the claim will be settled in the foreign currency. Cover Period: The cover will start from the given date of departure or from the first day of insurance whichever is later and valid to the scheduled date of arrival or actual arrival whoever is earlier. Initially the coverage for 180 days will be provided under Business and Holidays Plan. To which the extension is allowed on submission of proof of good health. If the journey period is extended due to the public transport delay which is not in control of the insured person, cover will be extended automatically for not more than 7 days without any extra charges. Types of Plans: Below mentioned plans are available under overseas mediclaim policy: OMP- Business and Holidays Plan Employment and Studies Plan Premium: Premium to be charged is depend upon the age band of the insured person, duration of the journey and the country where he needs to visit. Eligibility and Documentation: Person has to take the policy previous to the departure date from India. Person who wants to get insured has to submit medical reports of good health. Medical reports are mandatory in the below mentioned cases: Duration of the trip is over 60 days and age of the insured person is over 60 years visiting USA or Canada. Duration of the trip is over 60 days and age of the insured person is over 70 years visiting countries excluding USA or Canada. In case the proposal has mentioned that he has suffered from or is suffering from any illness or disease. Following medical reports needs to be submitted: ECG Reports with printout Fasting Blood Sugar and Urine Sugar Urine Strip Test Report Any other test report as required by the company along with attached questionnaire II (B) to be filled and signed by the Doctor who is conducting the test. Minimum qualification for the Doctor who is conducting the test should MD. Benefits: Following benefits are to be provided under Overseas Mediclaim policy- Medical or Repatriation Expenses:- If the insured person is suffered from any sort of illness, pain, dental problem, or any other medical problem then the company will help them out and also borne the expenses which is incur out of this medical emergency during the tenure of insurance. Personal Accidents:- It covers the expenses, If the insured person is met with an accident or sustain with any physical damage or if death occur in the accident during the journey period the sum assured will be paid to the nominee. This policy covers the following cases: Death of the policy holder Permanent total disability of the policy holder Total and irrecoverable loss of one eye & one limb or both eyes or both limbs. Loss of Checked in Baggage:- If the insured person suffers from total loss of baggage during the period of journey the company will reimburse the amount up to the limit of the cover as mentioned in policy documents. Delay of Checked in Baggage:- If the insured person suffers from delay in baggage for more than 12 hours from the scheduled arrival time at the international airport the company will reimburse you to purchase of replacement items up to the limit of the cover. Loss of Passport:- In case the insured person loss his passport in the journey the company will help you out and pay you the insurance amount up to the limit as mentioned in the policy documents. Personal Liability:- If the insured person becomes legally liable to pay for any accidental physical damage or accidental damage to third party due to any incident happens during the period of journey, company will pay you for that up to the limit of cover as mentioned on policy documents. Overseas Mediclaim Insurance policy for Business and Holiday: Mediclaim Insurance Policy offered by New India Assurance is exclusively designed for the persons who frequently visit abroad due to their business trips or whosoever travelling to foreign to spend their holidays. This policy covers Medical expenses due to sickness, accidents or any other miss happenings during your business or holiday trip. This policy also covers the loss incurred by reason of loss of baggage or loss of passport during the trip. CFT cover is available only for corporate clients or clients of their registered firms for the period of one year depending on the duration of trip not exceeding 60 days. Initially the coverage for 180 days will be provided under Business and Holidays Plan. To which the extension is allowed on submission of proof of good health. Overseas Mediclaim Insurance policy for Employment and Studies: New India Assurance overseas mediclaim policy is designed to suffice the need of persons who are temporally residing in foreign countries for the purpose of their employment or for pursuing higher studies or those who are involved in some research projects. This policy is solely designed for Indian citizens who are temporally residing in another country. IMP: During the period of insurance, Contingency insurance up to 750 US Dollars, provided to the students for each month of completion of study. How to Claim: You need to contact M/S to intimate APRIL USA ASSISTANCE INC. at their emergency centres presenting worldwide. Fill the claim form provide the necessary proof and documents and all your expenses will be reimbursed. Exclusions: If insured is suffering from any disease or had suffered in the past whether known or unknown are not covered under the policy. If travelling against the advice of his doctor. If travelling for any medical treatment or routine check-up. First USD 100 is to be borne by the insured person for all claims. Expenses related to maternity or pregnancy is not covered. If the insured person is drug addict or self injured or suicide clause, no claim will be entertained. If the insured person participated in any war, nuclear explosion etc no claim will be entertained.
