Nobody knows the when a scenario may occur where bliss of travelling diminishes. In such cases the trepidation of being alone in any unknown place is a crumpling feeling as well. It is for situations like this the Travel Insurance Plans cocoons individual from any ill fate spoiling their traveling pleasure. Not only this , It also covers insurance for trip delays, trip interruptions, trip cancellations and related problems through various plans offered by many a insurer in Indian Today. Additionally cover for travel-related expenses such expenses incurred for medical and health emergencies that may arise during trip is provided under Travel Insurance plans. Some plans also provide services such as travel-related advice, evacuation to your home or hospital in case of medical emergency, emergency cash or help in the event of the loss ortheftof your money, valuables or travel documents. Oriental Travelinsurance plans are designed to offer complete protection against any expenses incurred toward death, injury or other urgent health expenses while travelling overseas. Salient Features of Oriental Travel Insurance plans Affordable premium without adding much burden on pocket and keeps the tranquility of holidaying. Online options to choose the most suited plan, wherein customer has the freedom to choose the premium he wants to pay. A host of online facilities to avoid any wastage of time before travelling. Instant Digitally signed Plan document Hassle free processing and simple documentation. 24 Hour Worldwide Assistance in partnership with Coris International to provide emergency assistance and claims administration services. Well trained in-house Surveyors to ensure that every claim is being attended within the least expected time frame Pan India help desk for 24×7 assistance relating to claims in India in partnership with Heritage Health Services Private Limited The different variants of travel insurance plans are Business and Holiday Travel cover plans for individuals. Study and Employment Cover Travel Insurance Plan Corporate Frequent Flyer Travel Insurance Plans 1.Business and Holiday Travel Insurance Plan for individuals Plan Features A complete protection for any accidental, emergency medical or third party liable expenses while the beneficiary is outside the Republic of India. It covers medical expenses both as inpatient as well as outpatient while in a foreign country. The sum insured available ranges from Rs.50000/- to Rs.500000/- Cashless settlement is provided through our Overseas Services Provider (at present M/s Coris International.) Plan Benefits The plan covers the expenses for physician services, hospital and medical services and local emergency Comprehensive insurance cover in the event of death of the insured person ,Permanent Total Disablement or Total and Irrecoverable loss of both eyes or two limbs or of one eye and one limb caused due to any bodily injury resulting solely and directly from accident caused by external, violent and visible means The plan includes the benefit of compensation towards total loss of Checked Baggage, , where the insured shall be paid up to the limit of cover shown in the Schedule Compensation towards the emergency purchase of replacement items in the event that the Insured Person suffers a delay of more than 12 hours from the scheduled arrival time at the destination for delivery of Baggage that has been checked by an International Airline for an International outbound flight from the Republic of India. In the event of loss of passport , the plan offers the reimbursement of actual expenses necessarily and reasonably incurred by the Insured Person in connection with obtaining emergency travel documents in lieu of lost passport, outside India Any third party legal liability to pay for accidental bodily injury to Third Parties or accidental damage to Third Party Properties, arising from an incident during the covered trip is duly covered under the plan Medical transportation facility in partnership with APRIL USA INC. For cases of dental pain expenses Up to US $ 225 per occurrence for the immediate relief For cases where patient is critically ill, Expenses for emergency medical evacuation, including medically appropriate transportation and necessary medical care en route, to the nearest suitable hospital as per the recommendation of physician Expenses for medical evacuation, including transportation and medical care en route to a hospital in the Republic of India or the Insured Persons normal place of residence in the Republic of India when deemed medically advisable by the Medical Advisors and the attending physician. If the Insured Person dies outside the Republic of India, the expenses for preparing the air transportation of the remains for repatriation to the Republic of India or up to an equivalent amount for a local burial or cremation in the country where the death occurred. All expenses must be approved by APRIL USA before the remains are prepared for transportation to the Republic of India or for local burial or cremation. For Foreign Expats working in India can avail this policy from the day of arrival in India expires on the last day of the number of days specified in the policy, or on return to India, whichever is earlier. In case of a frequent traveler abroad, there is a special policy which covers all the trips undertaken during the period of 12 months. Plan Exclusions For any claim prior to commencement of plan cover or due any consequential event in past prior to the commencement of plan. For any health claim which has occurred due to denunciation of physician advice. For cases wherein the customer is already under treatment to a physician at the time of plan issuance. Cases where insured has received a terminal prognosis for a medical condition. Cases where the insured is taking part in any kind of Naval, Military or Air Force operation. For any claim arising out of illnesses or accidents that theInsuredPersonhas caused intentionally or by committing a crime or as a result of drunkenness or addiction (drugs, alcohols). For any claims arising out of mental disorder, anxiety, stress of depression, venereal disease or any loss arising directly or indirectly from any injury, illness, death, loss or expense or any otherliability 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 2.Study and Employment Cover Travel Insurance Plan Plan Features An all inclusive plan specially designed for those who are going abroad for higher studies. The minimum period of cover is 2 months, and maximum is 12 months. Further renewals can be opted for minimum 1 month and maximum 12 months. The sum insured is US$ 75,000 The premium has to be paid in US dollars, irrespective of the country of visit. Door-to-Door Cover for a complete travel protection insurance plan starting all the way from home to destination and back including both way travelling from airport. Available for individuals between 5 years to 60 years. Plan Benefits In the event of loss of checked in luggage, the insured is offered Compensation 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 Personal LiabilityCompensation towards any legal liability that a student may have to bear due to third party injury to a person or damage to a property. Repatriation of remains and reunion expenses are available as per limit of the plan. Outpatient and hospitalization medical expenses covered for 1 year. This medical extension is available for 2nd year also. Asia Pacific as new geographical scope under the plan coverage so as to save the burden of extra premium. No medical checkup. Cashless settlement of hospitalization claims abroad Plan Exclusion 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. 3. Corporate Frequent Flyer Travel Insurance Plans Plan Features A Multi-Trip Travel insurance plan designed in particular for corporate customers who travel very frequently worldwide. With comprehensive cover it offers complete equanimity for corporate customers as there is no need to enroll for multiple policies each time while travelling. No requirement for medical check-ups Higher degree of flexibility and Option to customize plansbased on specific needs of the policy Instant online certificates on the go to bring ease of enrollment and peace of mind. Plan Coverage – The Plan offers compensation and benefits in the events of Emergency medical expense cover: Dental treatment cover Total loss of checked-in baggage Cover for delay in checked-in baggage Loss of passport and/or international driving license Accidental death cover Permanent total disability cover Personal liability cover Financial emergency and hospital daily cash cover Hijack relief, trip cancellation, trip curtailment and trip delay Cover for travel expenses if the travelling employee needs to be replaced by another employee Door-to-door personal accident cover for employees from their residence to the airport or from the airport to their residence, within India Exclusions under the Oriental Travel Insurance plan 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. Cases where the insured is taking part in any kind of Naval, Military or Air Force operation. How to enroll into Oriental Travel Insurance Plans Online Customer has to logon to www.orientalinsurance.org.in Select Buy Online from the top tab bar menu Select the sub option as Buy new A New pop up window shall give multiple insurance plans Select Personal accident plan and fill up the requisite details Request Callback- Click the option – “HAVE US CALL YOU” Fill up the required details and the concerned team shall get in touch Visit nearest Branch Other Oriental Online services Online Premium Payment- Oriental Insurance offers the option to pay the premium of their Personal Accident insurance plans premium online in a hassle free way. For payment of the premium, customers have to register first Apart from this, customer may use online platform for other services such as Renewal of Plans Renewal of non Oriental insurance plans Buy new Plans. Online Premium Calculator
